Rates are current as of November 10, 2026 12:13 PM EST
APR 6.86%
-0.21% 1wAPR 6.30%
-0.11% 1wAPR 6.65%
-0.09% 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
6.83%
Interest rate
6.75%
0 points
Est. mo. paymentEst. payment
$2,595/mo
Upfront costs: $3,192
8-yr cost: $208,575
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: $3,192
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
-$908
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
-$908
8-yr cost: $208,575
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
6.81%
Interest rate
6.63%
0 points
Est. mo. paymentEst. payment
$2,562/mo
Upfront costs: $7,524
8-yr cost: $208,884
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: $7,524
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
-$476
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
-$476
8-yr cost: $208,884
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
7.01%
Interest rate
7.00%
0 points
Est. mo. paymentEst. payment
$2,662/mo
Upfront costs: $599
8-yr cost: $214,042
4.5/5
Home loans overall
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. 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.
Upfront costs for this offer: $599
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
-$796
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
$0
Lender credit
-$796
8-yr cost: $214,042
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#408902
APR
7.13%
Interest rate
7.12%
0 points
Est. mo. paymentEst. payment
$2,695/mo
Upfront costs: $199
8-yr cost: $217,678
5.0/5
Home loans overall
on lender's website
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.
Upfront costs for this offer: $199
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
-$996
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
$1,195
Underwriting fee
$0
Processing fee
$0
Other fees
$0
Lender credit
-$996
8-yr cost: $217,678
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
7.26%
Interest rate
7.25%
0 points
Est. mo. paymentEst. payment
$2,729/mo
Upfront costs: $251
8-yr cost: $221,770
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: $251
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
-$544
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
$0
Lender credit
-$544
8-yr cost: $221,770
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#3304
APR
7.26%
Interest rate
7.25%
0 points
Est. mo. paymentEst. payment
$2,729/mo
Upfront costs: $494
8-yr cost: $222,013
4.5/5
Home loans overall
on lender's website
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.
4.5
|
Home loans overall
Upfront costs for this offer: $494
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$0
Underwriting fee
$0
Processing fee
$494
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.
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$0
Underwriting fee
$0
Processing fee
$494
Other fees
$0
Lender credit
$0
8-yr cost: $222,013
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#1025894
APR
7.27%
Interest rate
7.25%
0 points
Est. mo. paymentEst. payment
$2,729/mo
Upfront costs: $831
8-yr cost: $222,350
5.0/5
Home loans overall
on lender's website
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.
Upfront costs for this offer: $831
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
-$164
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
$0
Other fees
$0
Lender credit
-$164
8-yr cost: $222,350
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
7.28%
Interest rate
7.24%
0 points
Est. mo. paymentEst. payment
$2,726/mo
Upfront costs: $1,629
8-yr cost: $222,825
4.0/5
Home loans overall
on lender's website
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.
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.
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: $222,825
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 6.86%
| Product | Interest rate | APR |
|---|---|---|
| 30-year Fixed | 6.86% | 6.86% |
| 30-year Fixed FHA | 5.38% | 6.11% |
| 30-year Fixed VA | 6.22% | 6.44% |
| 20-year Fixed | 6.62% | 6.63% |
| 15-year Fixed | 6.28% | 6.30% |
| 10-year Fixed | 6.00% | 6.02% |
| 3-year ARM | 8.19% | 7.46% |
| 5-year ARM | 6.42% | 6.65% |
| 7-year ARM | 6.53% | 6.68% |
| 10-year ARM | 6.86% | 6.86% |
Accurate as of 11/10/2026.
Data source: ©Zillow, Inc. 2025. Use is subject to the Terms of Use
What the nerds think
Our Nerdy take on the news
Mortgage lenders use credit score as a stand-in for risk. Higher credit scores are seen as safer, and are generally rewarded with lower interest rate offers.
Paying a larger percentage of the home's price upfront reduces the amount you're borrowing. A bigger down payment may help you score a lower interest rate.
What kind of mortgage you're applying for influences the rate you're offered. For example, jumbo loans tend to have higher interest rates.
A mortgage for a primary residence will usually have a lower interest rate than a home loan for a second home or an investment property.
Stock market trends, the rate of inflation and the job market can all put pressure on mortgage interest rates. Events like elections can influence rates, too.
What's happening around the world affects U.S. markets, which can then push mortgage rates higher or lower.
Decisions by the nation's central bank to raise or cut interest rates for short-term borrowing can ripple out to rates on longer-term loans, including mortgages.
A hot housing market can make it harder to find lower mortgage rates. When lenders have plenty of business, there's less incentive to compete for buyers.
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