Mortgage Rates Mixed in Mortgage Survey: 30 Year Mortgage Rates at 4.74% and 15 Year Mortgage Rates at 4.05%

Mortgage rates are mixed in the most recently mortgage survey released this morning. Fixed conforming 30 year mortgage rates are averaging 4.74 percent with 0.8 mortgage discount points for the week ending January 20, 2011, up from the previous week’s average rate of 4.71 percent. 15 year conforming mortgage interest rates are averaging 4.05 percent with 0.8 points for the week ending January 20, 2011, down from the previous week’s  survey when rates on 15 year mortgages averaged 4.08 percent with 0.7 mortgage points.

Also in the Primary Mortgage Market Survey released today by Freddie Mac 5 year Treasury indexed adjustable mortgage loan rates averaged 3.69 percent for the week ending January 20, 2011, down from the previous week’s average 5 year adjustable home mortgage rate of 3.72 percent. Average mortgage discount points on 5 year adjustable home mortgages was 0.7 points, unchanged from the previous week’s average.

1 year U.S. Treasury indexed adjustable home loan rates averaged 3.25 percent for the week ending January 20, 2011, up from the prior week’s average 1 year adjustable home mortgage rate of 3.23 percent. Average mortgage points on 1 year adjustable home loans was 0.6 points, unchanged from the prior week’s average.

Loan Term
Lender
APR / Rate
Fees / Points
Payment
District Lending
NMLS #1835285
5.456%
15-Year Fixed
5.250%
$5,412
Includes 0.853 points for $3,412
Lender Fees: $2,000
$3,216 /mo
Truss Financial Group
NMLS #2006915
License: 60DBO-149268
5.675%
15-Year Fixed
5.500%
$4,565
Includes 0.655 points for $2,620
Lender Fees: $1,945
$3,269 /mo
GenNext.Mortgage
NMLS #2326098
License: 60DBO-181478
5.700%
15-Year Fixed
5.500%
$5,389
Includes 0.859 points for $3,436
Lender Fees: $1,953
$3,269 /mo
Mutual of Omaha Mortgage, Inc.
NMLS #1025894
5.806%
15-Year Fixed
5.625%
$4,692
Includes 0.998 points for $3,992
Lender Fees: $700
$3,295 /mo
Bison State Bank
NMLS #757416
5.870%
15-Year Fixed
5.750%
$3,112
Includes 0.778 points for $3,112
Lender Fees: $0
$3,322 /mo
FBC Mortgage
NMLS #152859
5.896%
15-Year Fixed
5.750%
$3,780
Includes 0.945 points for $3,780
Lender Fees: $0
$3,322 /mo
PenFed Credit Union
NMLS #401822
5.932%
15-Year Fixed
5.625%
$8,000
Includes 1.000 points for $4,000
Lender Fees: $4,000
$3,295 /mo
District Lending
NMLS #1835285
6.356%
30-Year Fixed
6.250%
$4,504
Includes 0.626 points for $2,504
Lender Fees: $2,000
$2,463 /mo
Truss Financial Group
NMLS #2006915
License: 60DBO-149268
6.618%
30-Year Fixed
6.500%
$4,945
Includes 0.750 points for $3,000
Lender Fees: $1,945
$2,529 /mo
FBC Mortgage
NMLS #152859
6.683%
30-Year Fixed
6.625%
$2,384
Includes 0.596 points for $2,384
Lender Fees: $0
$2,562 /mo
Bison State Bank
NMLS #757416
6.710%
30-Year Fixed
6.624%
$3,548
Includes 0.887 points for $3,548
Lender Fees: $0
$2,561 /mo
Mutual of Omaha Mortgage, Inc.
NMLS #1025894
6.721%
30-Year Fixed
6.625%
$3,984
Includes 0.821 points for $3,284
Lender Fees: $700
$2,562 /mo
GenNext.Mortgage
NMLS #2326098
License: 60DBO-181478
6.738%
30-Year Fixed
6.625%
$4,853
Includes 0.725 points for $2,900
Lender Fees: $1,953
$2,562 /mo
District Lending
NMLS #1835285
6.893%
5-Year ARM
6.750%
$5,876
Includes 0.969 points for $3,876
Lender Fees: $2,000
$2,595 /mo
PenFed Credit Union
NMLS #401822
7.010%
30-Year Fixed
6.875%
$5,495
Includes 0.875 points for $3,500
Lender Fees: $1,995
$2,628 /mo
Rocket Mortgage
NMLS #3030
7.130%
15-Year Fixed
6.990%
$3,500
Includes 0.875 points for $3,500
Lender Fees: $0
$3,594 /mo
Rocket Mortgage
NMLS #3030
7.200%
30-Year Fixed
7.125%
$3,000
Includes 0.750 points for $3,000
Lender Fees: $0
$2,695 /mo
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
 
Author: Brian McKay
January 20th, 2011

Explore Other Mortgage and Refinance Offers