Today's 30 year fixed purchase rate

7.03% APR

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Compare great mortgage lenders

Reach out to multiple lenders to see how much you can save. It pays to compare your options.

Accurate as of September 16, 2026

Applied filters: Purchase, Credit score: 720, ZIP: 97818, Veteran: No

Rocket Mortgage, LLC

NMLS#3030

Rocket Mortgage, LLC

NerdWallet rating

Min. credit score

620

Min. down payment

3%

Pros

  • Offers down payment and closing cost assistance.
  • Largest lender, by volume, of FHA loans in 2025.
  • Borrowers can apply via mobile app.
View Ratesat Rocket Mortgage, LLC
NBKC

NMLS#409631

NBKC

NerdWallet rating

Min. credit score

620

Min. down payment

3%

Pros

  • Competitive interest rates and fees.
  • Offers most common loan types, as well as a handful of specialty loans.
  • Payouts are available to borrowers whose loans don’t close on time.
View Ratesat NBKC
Rate

NMLS#2611

Rate

NerdWallet rating

Min. credit score

580

Min. down payment

3%

Pros

  • Fully underwritten mortgage approval in as little as one day for qualified borrowers.
  • Generous selection of loans, including government-backed, interest-only, jumbo and renovation.
  • Advertises a fixed-rate HELOC that can be funded in as few as five business days.
View Ratesat Rate
First Federal Bank

NMLS#408902

First Federal Bank

NerdWallet rating

Min. credit score

620

Min. down payment

3%

Pros

  • Strong experience in FHA and VA lending.
  • APRs tend to be competitive, according to the latest federal data.
  • Minimum credit score requirement of 580 for some loans, which is lower than some competitors.
View Ratesat First Federal Bank
Veterans United

NMLS#1907

Veterans United

NerdWallet rating

Min. credit score

620

Min. down payment

3%

Pros

  • Offers a range of VA mortgages, including refinance, energy-efficient and jumbo.
  • 24/7 customer service line.
  • Average time to close is 35 days, faster than the national average.
View Ratesat Veterans United
Northpointe

NMLS#447490

Northpointe

NerdWallet rating

Min. credit score

620

Min. down payment

3%

Pros

  • Offers mortgages for investment properties.
  • Reported average closing time is faster than many competitors.
View Ratesat Northpointe

6.92%: This week's 30-year-fixed-rate

6.09%: This week's 15-year-fixed-rate

Historical averages are based on Freddie Mac Primary Mortgage Market Survey®

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Methodology

NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.

Frequently asked questions

  • How do I compare top mortgage lenders?

    In order to pick the best lender for you, first decide what kind of loan you’re looking for, what type of service and lending experience you expect, and then see how several lenders compare side by side. What’s most important to you? Face-to-face service, an online experience, credit score flexibility? The mortgage-lending landscape is a crowded field that includes traditional lenders like Bank of America, online mortgage lenders such as Better Mortgage, credit unions like Navy Federal Credit Union, regional banks like SunTrust, mortgage brokers acting as middlemen, and more. Once you’re ready, be sure to contact multiple lenders to compare mortgage rates and lender fees. If you follow these steps, you’ll be able to find the best lender for you.

  • Why should I shop multiple lenders?

    In a 2015 report, the Consumer Financial Protection Bureau found that 77% of consumers apply to only one lender when seeking a mortgage. By shopping just three different lenders, borrowers could save more than $3,500 in just the first five years, according to the CFPB’s research. By applying to several lenders rather than just one, you can compare all-in costs and get the best deal.