Mortgage Rates From Top Area Lenders

90 and 80 Percent Loans80 Percent Loans Above $417,000
LenderNote typeNote rateTotal pointsAPRLoan limitNote rateTotal pointsAPRLoan limit
Total points is the fee paid to lender at time of loan closing, as a percentage of the loan balance.

Loan limit is the maximum amount the lender will loan for the minimum down payment and other terms shown.

APR is the annual percentage rate, which is an estimated annual cost of the loan to the borrower. APRs are included for comparison only. APRs for adjustable loans are calculated using the fully-indexed rate (i.e. margin plus index). When applying for a loan, federal Truth-in-Lending law requires lenders to calculate an APR specific to each loan offer.

Mortgage rates often change daily. The above rate information, collected by National Financial News Service, is based on a list of the area's most active home-purchase lenders. The rates are subject to change without notice and may be lower or higher than those of other lenders in the area.

Wells Fargo Mtg.30-year fixed5 7/8 %1 1/4 NA$417,0006%1 1/4 NA$1,000,000
15-year fixed5 1/2 %1 1/4 NA$417,0005 5/8 %1 1/4 NA$1,000,000
301-984-18801-year adjustable5 1/2 %1 1/4 NA$417,0005 1/2 %1 1/8 NA$1,000,000
Bank of America30-year fixed5 3/4 %15.897$417,0006%16.126$1,000,000
Mortgage15-year fixed5 1/2 %15.741$417,0005 3/4 %15.961$1,000,000
800-279-70841-year adjustable5 1/8 %17.477$417,0005 5/8 %17.555$1,000,000
SunTrust Mtg.30-year fixed6 1/8 %1 1/8 6.144$417,0006 1/4 %1 1/8 6.262$1,000,000
15-year fixed5 7/8 %1 1/4 5.907$417,0006%16.02$1,000,000
301-517-54071-year adjustable5 7/8 %16.809$650,0005 7/8 %16.804$1,000,000
First Savings Mtg.30-year fixed5 1/4 %3 1/2 NA$417,0005 5/8 %3 1/2 NA$1,000,000
15-year fixed5%3 1/2 NA$417,0005 3/8 %3 1/2 NA$1,000,000
703-883-90101-year adjustableNANANA$417,000NANANA$1,000,000
Countrywide30-year fixed5 7/8 % 7/8 NA$417,0006% 5/8 NA$1,000,000
Home Loans15-year fixed5 3/4 % 5/8 NA$417,0006%0NA$1,000,000
1-year adjustableNANANA$417,000NANANA$1,000,000
Chase30-year fixed5 7/8 %15.96$417,0006 1/8 %16.22$1,100,000
15-year fixed5 3/4 %15.94$417,0005 3/4 %15.94$1,100,000
800-448-60801-year adjustable5 1/4 %17.51$417,0005 1/4 %17.51$1,100,000
First Horizon30-year fixed6%1NA$417,0006 1/8 %1NA$1,000,000
Home Loans15-year fixed5 3/4 %1NA$417,0005 7/8 %1NA$1,000,000
703-631-00981-year adjustable6 1/8 %1NA$417,0006 1/2 %1NA$1,000,000
National City Mtg./30-year fixed6%1NA$417,0006%1NA$1,500,000
FNMC/FOA15-year fixed5 3/4 %1NA$417,0005 7/8 %1NA$1,500,000
AccuBanc Mtg.1-year adjustable5 3/8 %1 1/2 NA$417,0005 3/4 %1NA$1,500,000
IndyMac Bank30-year fixed5 7/8 %1 2/5 6.077$417,0006 1/8 %1 1/4 6.3$1,000,000
15-year fixed5 5/8 %1 2/9 5.928$417,0006%16.25$1,000,000
877-808-38631-year adjustableNANANA$417,000NANANA$1,000,000
CTX Mtg.30-year fixed5 3/4 %1NA$417,0006%1NA$1,000,000
15-year fixed5 1/2 %1NA$417,0005 3/4 %1NA$1,000,000
703-385-61001-year adjustableNANANA$417,000NANANA$1,000,000
George Mason Mtg.30-year fixed5 7/8 %1NA$417,0006 1/8 %1NA$1,000,000
15-year fixed5 5/8 %1NA$417,0005 3/4 %1NA$1,000,000
703-273-26001-year adjustableNANANA$417,000NANANA$1,000,000
Prosperity Mortgage30-year fixed5 7/8 %1 1/4 NA$417,0006 1/8 % 3/4 NA$650,000
15-year fixed5 3/4 %1 1/4 NA$417,0005 7/8 %1NA$650,000
240-632-67001-year adjustable5 3/4 %1 1/4 NA$417,0005 3/4 %1 1/4 NA$650,000
Fidelity & Trust30-year fixed5 1/2 %2 1/2 NA$417,0005 3/4 %2 1/4 NA$650,000
Mortgage15-year fixed5 1/4 %2 1/4 NA$417,0005 1/2 %2 3/8 NA$650,000
301-907-80301-year adjustable5 3/4 %1NA$417,0005 7/8 %1NA$650,000
Chevy Chase Bank/30-year fixed5 7/8 %1 1/8 5.988$417,0006 1/8 %1 1/8 6.24$1,000,000
B.F. Saul Mtg.15-year fixed5 5/8 % 7/8 5.798$417,0005 7/8 %16.069$1,000,000
800-807-58801-year adjustableNANANA$417,000NANANA$1,000,000
Intercoastal30-year fixed5 7/8 %1NA$417,0006 1/8 %1NA$1,000,000
Mortgage Co.15-year fixed5 5/8 %1NA$417,0005 3/4 %1NA$1,000,000
703-449-68001-year adjustableNANANA$417,000NANANA$1,000,000
Navy Federal30-year fixed5 7/8 %05.945$417,0006 1/2 %06.573$2,000,000
Credit Union15-year fixed5 5/8 %05.742$417,0006 1/4 %06.369$2,000,000
703-255-73001-year adjustable4 7/8 %07.416$417,0005 1/2 %08.064$2,000,000
Wachovia Mortgage30-year fixed6 1/8 %06.168$417,0006 3/8 %06.408$650,000
15-year fixed5 7/8 %05.946$417,0006 1/8 %06.179$650,000
703-548-57231-year adjustableNANANA$417,000NANANA$600,000
American Home30-year fixed6 1/4 %0NA$417,0006 3/8 %0NA$1,000,000
Mortgage15-year fixed5 7/8 %0NA$417,0006%0NA$1,000,000
703-798-48051-year adjustable5 3/8 %0NA$417,0006 1/8 %1NA$1,000,000
Sandy Spring30-year fixed5 7/8 %15.982$417,0006%16.107$1,000,000
Bank15-year fixed5 5/8 %15.804$417,0005 5/8 %15.804$1,000,000
800-869-85231-year adjustable4 1/2 %15.231$417,0005%15.605$1,000,000
Bethesda Home30-year fixed5 7/8 %0NA$417,0006 1/8 %0NA$650,000
Mortgage15-year fixed5 5/8 %0NA$417,000NANANA$650,000
301-907-02061-year adjustableNANANA$417,000NANANA$650,000