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Compare 30-year Mortgage Rates

Rates are current as of November 12, 2026 6:01 PM EST

National average
mortgage rates:
30-Year Fixed

APR 7.15%

+0.19% 1w
15-Year Fixed

APR 6.51%

+0.17% 1w
5-Year ARM

APR 7.11%

+0.39% 1w

Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

Showing 9 results for: Purchase, Good (720-739), $500,000, 30-year fixed, Single-family, Primary residence
Simplist

NMLS#1764611

APR

6.95%

Interest rate

6.88%

0 points

Est. mo. paymentEst. payment

$2,628/mo

Upfront costs: $3,172

8-yr cost: $212,582

NW Rating

4.5/5

Home loans overall

Get a quoteGet my rate

on lender's website

Hide details

The Nerdy headline

Simplist is an online marketplace of mortgage lenders; human guidance is optional. You’ll make payments to a loan servicer, not to Simplist. Loans are not available in every state.

4.5

NerdWallet rating

|

Home loans overall

Upfront costs for this offer: $3,172

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$3,000

Underwriting fee

$1,100

Processing fee

$0

Other fees

$0

Lender credit

-$928

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

Upfront costs for this offer: $3,172

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$3,000

Underwriting fee

$1,100

Processing fee

$0

Other fees

$0

Lender credit

-$928

8-yr cost: $212,582

Upfront lender fees + interest over the first 8 years.

What we like
  • Loan origination process can be completed online.
  • Offers government-backed FHA and VA loans.
  • Offers module that compares mortgage rates among other lenders.
What we don't like
  • Offers loans in many states and Washington, D.C., but not nationwide.
  • Does not offer home equity loans or lines of credit.

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

Tomo

NMLS#2059741

APR

6.94%

Interest rate

6.75%

0 points

Est. mo. paymentEst. payment

$2,595/mo

Upfront costs: $7,564

8-yr cost: $212,947

NW Rating

4.5/5

Home loans overall

Get a quoteGet my rate

on lender's website

Hide details

The Nerdy headline

Tomo, established in 2020, is an online-only lender with a focus on digital efficiency and purchase loans. We’re impressed with its customizable mortgage rate tool. However, you won’t find home equity products. Mortgages are available in 41 states and counting.

4.5

NerdWallet rating

|

Home loans overall

Upfront costs for this offer: $7,564

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$8,000

Underwriting fee

$0

Processing fee

$0

Other fees

$0

Lender credit

-$436

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

Upfront costs for this offer: $7,564

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$8,000

Underwriting fee

$0

Processing fee

$0

Other fees

$0

Lender credit

-$436

8-yr cost: $212,947

Upfront lender fees + interest over the first 8 years.

What we like
  • Online rate tool is user-friendly and customizable.
  • Accepts borrowers with credit scores below 600.
What we don't like
  • Mortgages not available in all states.
  • No renovation or home equity loans.
  • No mobile app.

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

Real Genius

NMLS#1281698

APR

7.26%

Interest rate

7.25%

0 points

Est. mo. paymentEst. payment

$2,729/mo

Upfront costs: $383

8-yr cost: $221,902

NW Rating

4.5/5

Home loans overall

Get a quoteGet my rate

on lender's website

Hide details

The Nerdy headline

Real Genius, A Division of Luminate Bank is a smart pick for a do-it-yourself online quote. We’re impressed with its "no fine print” approach and options to sort and customize APR and fees. However, Real Genius, A Division of Luminate Bank does not have a mobile app and doesn’t currently prioritize home equity lending.

4.5

NerdWallet rating

|

Home loans overall

Upfront costs for this offer: $383

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$1,395

Underwriting fee

$0

Processing fee

$0

Other fees

$0

Lender credit

-$1,012

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

Upfront costs for this offer: $383

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$1,395

Underwriting fee

$0

Processing fee

$0

Other fees

$0

Lender credit

-$1,012

8-yr cost: $221,902

Upfront lender fees + interest over the first 8 years.

What we like
  • Easy and transparent online rate quote tool.
  • May accept borrowers with low credit scores.
  • Closes loans in an average of 30 days.
What we don't like
  • No mobile app.
  • Home equity loans and HELOCs aren’t a priority.
  • Not currently lending in U.S. territories.

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

First Federal Bank

NMLS#408902

APR

7.38%

Interest rate

7.38%

0 points

Est. mo. paymentEst. payment

$2,763/mo

Upfront costs: $0

8-yr cost: $225,564

NW Rating

5.0/5

Home loans overall

Get a quoteGet my rate

on lender's website

Hide details

The Nerdy headline

First Federal Bank stands out for its competitive APRs and its emphasis on government loans. Most likely to appeal to borrowers shopping for low rates and fees.

5.0

NerdWallet rating

|

Home loans overall

Upfront costs for this offer: $0

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$1,195

Underwriting fee

$0

Processing fee

$0

Other fees

$0

Lender credit

-$1,195

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

Upfront costs for this offer: $0

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$1,195

Underwriting fee

$0

Processing fee

$0

Other fees

$0

Lender credit

-$1,195

8-yr cost: $225,564

Upfront lender fees + interest over the first 8 years.

What we like
  • 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.
What we don't like
  • Home equity lending is not a priority.
  • Customizable rates are not available online without providing contact information.

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

Farmers Bank of Kansas City

NMLS#613839

APR

7.38%

Interest rate

7.38%

0 points

Est. mo. paymentEst. payment

$2,763/mo

Upfront costs: $0

8-yr cost: $225,564

NW Rating

5.0/5

Home loans overall

Get a quoteGet my rate

on lender's website

Hide details

The Nerdy headline

Farmers Bank of Kansas City offers a strong variety of loan types, competitive APRs, and a convenient online application experience. Their web tool for customizing sample rates makes comparison shopping easy, and access to representatives is quick via live chat.

5.0

NerdWallet rating

|

Home loans overall

Upfront costs for this offer: $0

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$795

Underwriting fee

$0

Processing fee

$0

Other fees

$0

Lender credit

-$795

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

Upfront costs for this offer: $0

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$795

Underwriting fee

$0

Processing fee

$0

Other fees

$0

Lender credit

-$795

8-yr cost: $225,564

Upfront lender fees + interest over the first 8 years.

What we like
  • Scores highly for customer experience, with a full suite of application and loan tracking features available via mobile app and online.
  • Offers some less common loan types to support self-employed borrowers and physicians.
  • APRs are more competitive than average, according to the latest federal data.
What we don't like
  • Reported average time to close of 30 days is on the long side, compared to other lenders surveyed by NerdWallet.
  • Does not offer renovation or construction loans.

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

Mutual of Omaha

NMLS#1025894

APR

7.38%

Interest rate

7.38%

0 points

Est. mo. paymentEst. payment

$2,763/mo

Upfront costs: $403

8-yr cost: $225,967

NW Rating

5.0/5

Home loans overall

Get a quoteGet my rate

on lender's website

Hide details

The Nerdy headline

Mutual of Omaha stands out for fast closings, a generous credit score threshold on conventional loans and strong customer support, though its average APRs tend to skew higher than competitors.

5.0

NerdWallet rating

|

Home loans overall

Upfront costs for this offer: $403

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$0

Underwriting fee

$995

Processing fee

$0

Other fees

$0

Lender credit

-$592

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

Upfront costs for this offer: $403

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$0

Underwriting fee

$995

Processing fee

$0

Other fees

$0

Lender credit

-$592

8-yr cost: $225,967

Upfront lender fees + interest over the first 8 years.

What we like
  • Accepts credit scores as low as 500 for conventional loans.
  • Reported average time to close (18 days) is faster than most lenders surveyed by NerdWallet.
  • Offers relocation support with discounts for eligible borrowers.
What we don't like
  • Combined rates and fees are a bit higher than average.
  • Sample mortgage rates can’t be personalized online without starting an application.

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

New American Funding

NMLS#6606

APR

7.42%

Interest rate

7.38%

0 points

Est. mo. paymentEst. payment

$2,763/mo

Upfront costs: $1,629

8-yr cost: $227,193

NW Rating

4.0/5

Home loans overall

Get a quoteGet my rate

on lender's website

Hide details

The Nerdy headline

New American Funding offers a large menu of loan products, as well as programs like first-time home buyer assistance, but personalized mortgage rates aren't available on its website.

4.0

NerdWallet rating

|

Home loans overall

Upfront costs for this offer: $1,629

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$1,629

Underwriting fee

$0

Processing fee

$0

Other fees

$0

Lender credit

$0

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

Upfront costs for this offer: $1,629

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$1,629

Underwriting fee

$0

Processing fee

$0

Other fees

$0

Lender credit

$0

8-yr cost: $227,193

Upfront lender fees + interest over the first 8 years.

What we like
  • Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
  • Its home equity line of credit can be used for a primary residence or second home.
What we don't like
  • Average rates and fees are on the high side, according to the latest federal data.
  • Personalized mortgage rates are not available on the website without providing contact information.

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

NBKC

NMLS#409631

APR

7.45%

Interest rate

7.38%

0 points

Est. mo. paymentEst. payment

$2,772/mo

Upfront costs: $1,867

8-yr cost: $227,431

NW Rating

4.5/5

Home loans overall

Get a quoteGet my rate

on lender's website

Hide details

The Nerdy headline

NBKC stands out for its attractive interest rates and fees, and is primarily an online lender — though its app does not have mortgage features.

4.5

NerdWallet rating

|

Home loans overall

Upfront costs for this offer: $1,867

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$1,995

Underwriting fee

$0

Processing fee

$0

Other fees

$0

Lender credit

-$128

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

Upfront costs for this offer: $1,867

Itemized fees from this lender's estimate for your loan terms.

Points: 0

$0

Origination fee

$1,995

Underwriting fee

$0

Processing fee

$0

Other fees

$0

Lender credit

-$128

8-yr cost: $227,431

Upfront lender fees + interest over the first 8 years.

What we like
  • 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.
What we don't like
  • Customer service is only accessible over the phone for many mortgage customers.
  • Does not offer renovation loans.
  • Home equity products are not currently a lending priority.

All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.

License information

About these rates: The lenders whose rates appear on this table are NerdWallet's advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender's site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner's assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.

Today's mortgage rates | Thursday, November 12, 2026

Last updated 6:01 PM EST
On Thursday evening, November 12, 2026, the average interest rate on a 30-year fixed-rate mortgage rose six basis points to 7.15% APR, compared to yesterday.
The average rate on a 15-year fixed-rate mortgage fell three basis points to 6.51% APR. The average rate on a 5-year adjustable-rate mortgage rose ten basis points to 7.11% APR.
The 30-year fixed-rate mortgage rate is 19 basis points higher than one week ago and 102 basis points higher than one year ago.
A basis point is one hundredth of a percent, or 0.01%. We describe mortgage rates’ ups and downs in basis points because they simplify comparisons.
NerdWallet’s rates are expressed as an annual percentage rate, or APR, and our mortgage rates data comes from Zillow.

DATA: What's the Homebuying Climate this month?

NerdWallet's Homebuying Climate Index puts a familiar weather label on how favorable conditions are for home buyers.
For October, our analysis puts the Climate Index at 52.5 out of 100, keeping the index in Partly Cloudy territory for the 51st straight month.
Read more about the factors affecting this month's index to gauge how they might affect your homebuying plans.
Explore NerdWallet's Homebuying Climate IndexProprietary research based on the latest federal data

30-Year Mortgage: Who It’s For and How to Secure the Best Rate

Written by 
,  Reviewed by 
,  Edited by 
 and 
Last updated November 12, 2026

What is a 30-year mortgage?

A 30-year fixed-rate mortgage is a home loan designed to be paid off in 30 years. It provides the security of a consistent principal and interest payment, and the flexibility to afford a larger mortgage loan because the payments are lower than for a shorter-term mortgage for the same amount.

Pros and cons of a 30-year fixed mortgage

The 30-year fixed mortgage is the most popular home loan term. It meets the needs of many borrowers, but some people prefer shorter loan terms. Here are benefits and drawbacks of the 30-year mortgage:

Pros

  • Lower payments: Because they’re spread out over 30 years, the monthly payments are lower than for loans with shorter terms.
  • Flexibility: If your monthly budget allows, you can make extra payments to pay off the loan faster. 
  • Bigger loan: Because monthly payments on a 30-year loan are smaller than on a shorter-term loan (such as 20 or 15 years), you can borrow more.

Cons

  • Higher interest rate: Because the lender is tying up its money longer, 30-year fixed mortgage rates are higher than on shorter-term loans, such as 15-year mortgages.
  • More interest overall: You pay more total interest over the life of a 30-year mortgage than shorter-term loans because you make more payments.
  • You risk borrowing too much: A 30-year loan lets you borrow more, which could tempt you into taking out a loan that’s too big. Even if you can afford the monthly payments, the larger loan could crowd out room in your budget for vacations, dining out and other discretionary spending.
» MORE: Compare a 30-year mortgage to a 15-year loan

How to find 30-year mortgage rates today

Today's mortgage rates can be found via NerdWallet’s mortgage rate tool at the top of this page. It can help you find 30-year fixed mortgage rates today that are tailored to your needs. In the filters above, enter details about the loan you’re looking for and see an interest rate quote without having to provide personal information.

Why the lowest 30-year mortgage rate doesn’t always equal the best deal

30-year mortgage rates vary day to day and even hour by hour. You can save money by comparison shopping because each lender offers its own combination of interest rate and fees.
Still, the loan offer with the lowest interest rate isn't necessarily the best. Lenders charge fees to offset expenses and add to their bottom lines. These closing costs can vary a lot from one lender to another, and they aren't necessarily spelled out until you formally apply for a loan.

🤓 Kate on Rates

Video thumbnail

How to compare 30-year mortgage offers

If you’re approved, each lender will provide you with a Loan Estimate form. This will let you compare interest rates, mortgage origination fees and closing costs, giving you confidence that you’re getting the right loan for your situation
The Loan Estimate is a three-page document that provides the loan's details, projected payments and closing costs. Page 3 of the Loan Estimate has a section labeled "Comparisons." It's designed to simplify comparing loan offers. It provides three subheadings:
  1. "In 5 Years" totals how much you would spend on the mortgage in its first five years, including closing costs, principal, interest and mortgage insurance. A lower number is better.
  2. "Annual Percentage Rate (APR)" is a way to express the interest rate that takes closing costs into account. A lower APR is better.
  3. "Total Interest Percentage (TIP)" measures the total interest you would pay as a percentage of the loan amount. A lower TIP is better.
Freddie Mac research concluded that a typical borrower can expect to save an average of $1,500 over the life of the loan by getting one additional rate quote and an average of $3,000 by comparison-shopping five additional lenders.

How your 30-year mortgage rate is set

Mortgage rates are shaped by a mix of complex market forces: Bad economic or global political worries can move mortgage rates lower. Good news can push rates higher. Supply and demand are also key factors, with strong demand for mortgages generally driving rates higher and vice versa.
Additionally, lenders fine-tune your mortgage rate based on your personal risk. For example, the higher your credit score and the bigger your down payment, the lower your mortgage rate tends to be.
» MORE: Get your credit score for free

The difference between interest rate and APR

The interest rate is the percentage that the lender charges for borrowing the money. The APR, or annual percentage rate, takes fees and discount points into account.
APR is a tool used to compare loan offers, even if they have different interest rates, fees and discount points.

Learn more about fixed-rate loans:

Latest mortgage news and analysis