Rates are current as of November 7, 2026 6:55 PM EST
APR 7.36%
0.00% 1wAPR 6.01%
0.00% 1wAPR 6.29%
0.00% 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
6.45%
Interest rate
6.38%
0 points
Est. mo. paymentEst. payment
$1,872/mo
Upfront costs: $2,219
8-yr cost: $147,214
4.5/5
Refinancing
on lender's website
4.5
|
Refinancing
Upfront costs for this offer: $2,219
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$2,250
Underwriting fee
$1,100
Processing fee
$0
Other fees
$0
Lender credit
-$1,131
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
$2,250
Underwriting fee
$1,100
Processing fee
$0
Other fees
$0
Lender credit
-$1,131
8-yr cost: $147,214
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
6.77%
Interest rate
6.75%
0 points
Est. mo. paymentEst. payment
$1,946/mo
Upfront costs: $489
8-yr cost: $154,526
4.5/5
Refinancing
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 refinance loans 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: $489
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
-$906
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
-$906
8-yr cost: $154,526
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
6.78%
Interest rate
6.75%
0 points
Est. mo. paymentEst. payment
$1,946/mo
Upfront costs: $759
8-yr cost: $154,796
5.0/5
Refinancing
on lender's website
The Nerdy headline
Farmers Bank of Kansas City offers a strong variety of refinance loan types, including for government-backed loans, as well as competitive refinance 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
|
Refinancing
Upfront costs for this offer: $759
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
-$36
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
-$36
8-yr cost: $154,796
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
6.79%
Interest rate
6.75%
0 points
Est. mo. paymentEst. payment
$1,946/mo
Upfront costs: $1,234
8-yr cost: $155,271
4.0/5
Refinancing
on lender's website
4.0
|
Refinancing
Upfront costs for this offer: $1,234
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
$0
Lender credit
-$756
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
$0
Lender credit
-$756
8-yr cost: $155,271
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#409631
APR
6.84%
Interest rate
6.75%
0 points
Est. mo. paymentEst. payment
$1,952/mo
Upfront costs: $1,953
8-yr cost: $155,990
4.5/5
Refinancing
on lender's website
The Nerdy headline
NBKC offers a strong variety of refinance loan types and is primarily an online lender — though its app does not have mortgage features and chat support is not geared toward mortgage borrowers.
Upfront costs for this offer: $1,953
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
-$42
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
$1,995
Underwriting fee
$0
Processing fee
$0
Other fees
$0
Lender credit
-$42
8-yr cost: $155,990
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
6.82%
Interest rate
6.63%
0 points
Est. mo. paymentEst. payment
$1,921/mo
Upfront costs: $5,982
8-yr cost: $157,002
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: $5,982
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$6,600
Underwriting fee
$0
Processing fee
$0
Other fees
$0
Lender credit
-$618
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
$6,600
Underwriting fee
$0
Processing fee
$0
Other fees
$0
Lender credit
-$618
8-yr cost: $157,002
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#1907
APR
6.88%
Interest rate
6.88%
0 points
Est. mo. paymentEst. payment
$1,971/mo
Upfront costs: $0
8-yr cost: $157,058
4.0/5
Refinancing
on lender's website
Upfront costs for this offer: $0
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$0
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
$0
Underwriting fee
$0
Processing fee
$0
Other fees
$0
Lender credit
$0
8-yr cost: $157,058
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
6.89%
Interest rate
6.88%
0 points
Est. mo. paymentEst. payment
$1,971/mo
Upfront costs: $494
8-yr cost: $157,552
4.5/5
Refinancing
on lender's website
The Nerdy headline
Sage streamlines refinancing with an online app and sample rates, though you’ll need to share your phone number for a custom rate quote.
4.5
|
Refinancing
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: $157,552
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 7.36%
| Product | Interest rate | APR |
|---|---|---|
| 30-year Fixed | 7.25% | 7.36% |
| 30-year Fixed FHA | 5.99% | 6.88% |
| 30-year Fixed VA | 6.99% | 7.35% |
| 20-year Fixed | 6.00% | 6.26% |
| 15-year Fixed | 5.63% | 6.01% |
| 10-year Fixed | 6.69% | 7.07% |
| 3-year ARM | 4.13% | 4.87% |
| 5-year ARM | 5.13% | 6.29% |
| 7-year ARM | 6.13% | 6.65% |
| 10-year ARM | 7.25% | 7.36% |
Accurate as of 11/07/2026.
Data source: ©Zillow, Inc. 2025. Use is subject to the Terms of Use
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