Rates are current as of October 2, 2026 6:15 PM EDT
APR 7.30%
-0.08% 1wAPR 6.57%
-0.21% 1wAPR 7.08%
0.10% 1wThe 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.
Home loans overall
4.5
The Nerdy headline
Reliant offers a wide range of mortgage products, including government-backed loans and products for self-employed borrowers, but origination fees may be on the high side. You'll get access to a comprehensive rates dashboard after completing a quote request form.
Home loans overall
NerdWallet rating
3.5
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.
Home loans overall
NerdWallet rating
4.5
The Nerdy headline
Sage Home Loans stands out for speed and convenience, though it lacks a mobile app and doesn’t serve New York borrowers.
Home loans overall
NerdWallet rating
4.5
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.
Home loans overall
5.0
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.
Home loans overall
5.0
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.
Home loans overall
NerdWallet rating
4.0
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.
Home loans overall
4.5
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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.
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Loan purpose
Loan type
Florida’s average 7.30%
| Product | Interest rate | APR |
|---|---|---|
| 30-year Fixed | 7.29% | 7.30% |
| 30-year Fixed FHA | 6.12% | 6.86% |
| 30-year Fixed VA | 6.49% | 6.59% |
| 20-year Fixed | 7.33% | 7.34% |
| 15-year Fixed | 6.57% | 6.57% |
| 10-year Fixed | 6.66% | 6.67% |
| 3-year ARM | 6.75% | 7.25% |
| 5-year ARM | 7.50% | 7.08% |
| 7-year ARM | 6.62% | 6.64% |
| 10-year ARM | 7.29% | 7.30% |
Accurate as of 10/02/2026.
Data source: ©Zillow, Inc. 2025. Use is subject to the Terms of Use
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