Rates are current as of October 30, 2026 12:26 AM EDT
APR 7.23%
0.01% 1wAPR 6.53%
-0.16% 1wAPR 6.48%
0.00% 1wThe 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
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
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.
Home loans overall
4.0
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.
Home loans overall
NerdWallet rating
5.0
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
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
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.
Home loans overall
4.5
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
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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Historical timeline
Loan purpose
Loan type
Iowa’s average 7.23%
| Product | Interest rate | APR |
|---|---|---|
| 30-year Fixed | 7.22% | 7.23% |
| 30-year Fixed FHA | 6.00% | 6.77% |
| 30-year Fixed VA | 6.38% | 6.59% |
| 20-year Fixed | 7.00% | 7.00% |
| 15-year Fixed | 6.53% | 6.53% |
| 10-year Fixed | 5.50% | 5.50% |
| 3-year ARM | 3.94% | 4.18% |
| 5-year ARM | 6.50% | 6.48% |
| 7-year ARM | 6.63% | 6.57% |
| 10-year ARM | 7.22% | 7.23% |
Accurate as of 10/29/2026.
Data source: ©Zillow, Inc. 2025. Use is subject to the Terms of Use
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