Rates are current as of November 9, 2026 12:11 PM EST
APR 6.11%
0.00% 1wAPR 6.95%
-0.10% 1wAPR 6.31%
-0.08% 1wMany 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.
NMLS#1764611
APR
6.47%
Interest rate
5.88%
0 points
Est. mo. paymentEst. payment
$2,574/mo
Upfront costs: $10,168
8-yr cost: $190,596
4.5/5
Home loans overall
on lender's website
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
|
Home loans overall
Upfront costs for this offer: $10,168
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$3,052
Underwriting fee
$1,100
Processing fee
$0
Other fees
$7,000
Lender credit
-$984
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.
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$3,052
Underwriting fee
$1,100
Processing fee
$0
Other fees
$7,000
Lender credit
-$984
8-yr cost: $190,596
Upfront lender fees + interest over the first 8 years.
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.
NMLS#1281698
APR
6.79%
Interest rate
6.25%
0 points
Est. mo. paymentEst. payment
$2,672/mo
Upfront costs: $7,671
8-yr cost: $200,302
4.5/5
FHA loans
on lender's website
The Nerdy headline
Real Genius, A Division of Luminate Bank is a smart pick for a do-it-yourself online quote, with a wide variety of FHA loan products on offer. We’re impressed with its detailed, “no fine print” approach and options to sort and customize APR and fees.
Upfront costs for this offer: $7,671
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
$7,000
Lender credit
-$724
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.
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
$7,000
Lender credit
-$724
8-yr cost: $200,302
Upfront lender fees + interest over the first 8 years.
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.
NMLS#6606
APR
6.81%
Interest rate
6.25%
0 points
Est. mo. paymentEst. payment
$2,672/mo
Upfront costs: $8,629
8-yr cost: $201,260
4.0/5
FHA loans
on lender's website
The Nerdy headline
New American Funding is a major FHA lender, with a focus on this loan type, but its average FHA rates and fees are less competitive than some lenders.
Upfront costs for this offer: $8,629
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
$7,000
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.
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
$7,000
Lender credit
$0
8-yr cost: $201,260
Upfront lender fees + interest over the first 8 years.
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.
NMLS#407985
APR
6.90%
Interest rate
6.38%
0 points
Est. mo. paymentEst. payment
$2,706/mo
Upfront costs: $7,110
8-yr cost: $203,820
4.0/5
Home loans overall
on lender's website
The Nerdy headline
Midwest-rooted Central Bank offers an online application, which you can track via mobile app. But you’ll have to contact the bank for mortgage rates.
4.0
|
Home loans overall
Upfront costs for this offer: $7,110
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$0
Underwriting fee
$995
Processing fee
$995
Other fees
$7,000
Lender credit
-$1,880
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.
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$0
Underwriting fee
$995
Processing fee
$995
Other fees
$7,000
Lender credit
-$1,880
8-yr cost: $203,820
Upfront lender fees + interest over the first 8 years.
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.
NMLS#2059741
APR
6.67%
Interest rate
6.49%
0 points
Est. mo. paymentEst. payment
$2,526/mo
Upfront costs: $7,372
8-yr cost: $204,392
4.5/5
Home loans overall
on lender's website
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.
Upfront costs for this offer: $7,372
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
-$628
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.
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
-$628
8-yr cost: $204,392
Upfront lender fees + interest over the first 8 years.
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.
NMLS#1764611
APR
6.70%
Interest rate
6.63%
0 points
Est. mo. paymentEst. payment
$2,562/mo
Upfront costs: $3,060
8-yr cost: $204,420
4.5/5
Home loans overall
on lender's website
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
|
Home loans overall
Upfront costs for this offer: $3,060
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
-$1,040
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.
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
-$1,040
8-yr cost: $204,420
Upfront lender fees + interest over the first 8 years.
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.
NMLS#613839
APR
6.92%
Interest rate
6.38%
0 points
Est. mo. paymentEst. payment
$2,706/mo
Upfront costs: $7,710
8-yr cost: $204,420
5.0/5
Home loans overall
on lender's website
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
|
Home loans overall
Upfront costs for this offer: $7,710
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
$7,000
Lender credit
-$85
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.
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
$7,000
Lender credit
-$85
8-yr cost: $204,420
Upfront lender fees + interest over the first 8 years.
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.
NMLS#2059741
APR
6.91%
Interest rate
6.25%
0 points
Est. mo. paymentEst. payment
$2,672/mo
Upfront costs: $12,552
8-yr cost: $205,183
4.5/5
Home loans overall
on lender's website
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.
Upfront costs for this offer: $12,552
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$8,140
Underwriting fee
$0
Processing fee
$0
Other fees
$7,000
Lender credit
-$2,588
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.
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$8,140
Underwriting fee
$0
Processing fee
$0
Other fees
$7,000
Lender credit
-$2,588
8-yr cost: $205,183
Upfront lender fees + interest over the first 8 years.
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.
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.
See how rates have changed over time to understand past patterns and economic fluctuations
Historical timeline
Loan purpose
Loan type
National average 6.11%
| Product | Interest rate | APR |
|---|---|---|
| 30-year Fixed | 6.94% | 6.95% |
| 30-year Fixed FHA | 5.38% | 6.11% |
| 30-year Fixed VA | 6.59% | 6.71% |
| 20-year Fixed | 6.48% | 6.49% |
| 15-year Fixed | 6.29% | 6.31% |
| 10-year Fixed | 6.31% | 6.33% |
| 3-year ARM | 8.19% | 7.46% |
| 5-year ARM | 6.88% | 6.81% |
| 7-year ARM | 6.59% | 6.73% |
| 10-year ARM | 6.94% | 6.95% |
Accurate as of 11/09/2026.
Data source: ©Zillow, Inc. 2025. Use is subject to the Terms of Use
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