Tomo Mortgage 30 Year Fixed
NMLS #2059741 | State Lic: RM.804811.000
- RateRate as of 10/1/26
- 6.500%
- APRAPR
- 6.742%
- Monthly paymentMonthly payment
- $2,231
- Points
- 1.828
- Upfront costs
- $8,134
- 8-year cost
- $181,424
- Customer score
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Showing results for: Single-family home, 30 year fixed and 5 year ARM mortgages with all points options.
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Lender
Rate as of 10/1/26
APR
Monthly payment
Customer score
Sage Home Loans 30 Year Fixed
NMLS #3304 | State Lic: RM.850026.000
- RateRate as of 10/1/26
- 6.498%
- APRAPR
- 6.731%
- Monthly paymentMonthly payment
- $2,224
- Points
- 1.955
- Upfront costs
- $8,376
- 8-year cost
- $181,979
- Customer score
Optimum First Mortgage 30 Year Fixed
NMLS #240415 | State Lic: RM.804405.000
- RateRate as of 10/1/26
- 6.623%
- APRAPR
- 6.805%
- Monthly paymentMonthly payment
- $2,253
- Points
- 1.288
- Upfront costs
- $6,529
- 8-year cost
- $183,668
- Customer score
Third Federal Savings and Loan 30 Year Fixed
NMLS #449401
- RateRate as of 10/1/26
- 6.690%
- APRAPR
- 6.927%
- Monthly paymentMonthly payment
- $2,269
- Points
- 2
- Upfront costs
- $8,435
- 8-year cost
- $187,472
- Customer score
Mcglone Mortgage Group 30 Year Fixed
NMLS #3232
- RateRate as of 10/1/26
- 6.750%
- APRAPR
- 6.965%
- Monthly paymentMonthly payment
- $2,283
- Points
- 1.625
- Upfront costs
- $7,615
- 8-year cost
- $188,352
- Customer score
Aimloan 30 Year Fixed
NMLS #2890 | State Lic: RM.850089.000
- RateRate as of 10/1/26
- 6.875%
- APRAPR
- 7.046%
- Monthly paymentMonthly payment
- $2,312
- Points
- 1.436
- Upfront costs
- $6,050
- 8-year cost
- $190,331
- Customer score
First Federal Bank 30 Year Fixed
NMLS #408902
- RateRate as of 10/1/26
- 6.875%
- APRAPR
- 7.047%
- Monthly paymentMonthly payment
- $2,313
- Points
- 1.386
- Upfront costs
- $6,073
- 8-year cost
- $190,354
- Customer score
Alliant Credit Union 30 Year Fixed
NMLS #197185
- RateRate as of 10/1/26
- 6.875%
- APRAPR
- 7.052%
- Monthly paymentMonthly payment
- $2,312
- Points
- 1.507
- Upfront costs
- $6,255
- 8-year cost
- $190,536
- Customer score
Mutual of Omaha Mortgage 30 Year Fixed
NMLS #1025894
- RateRate as of 10/1/26
- 6.875%
- APRAPR
- 7.080%
- Monthly paymentMonthly payment
- $2,312
- Points
- 1.42
- Upfront costs
- $7,236
- 8-year cost
- $191,518
- Customer score
New American Funding 30 Year Fixed
NMLS #6606
- RateRate as of 10/1/26
- 7.240%
- APRAPR
- 7.512%
- Monthly paymentMonthly payment
- $2,399
- Points
- 1.952
- Upfront costs
- $9,371
- 8-year cost
- $203,497
- Customer score
Optimum First Mortgage 5/6 Arm
NMLS #240415 | State Lic: RM.804405.000
- RateRate as of 10/1/26
- 6.373%
- APRAPR
- 6.649%
- Monthly paymentMonthly payment
- $2,196
- Points
- 1.977
- Upfront costs
- $8,954
- 8-year cost
- $181,285
- Customer score
First Federal Bank 5/6 Arm
NMLS #408902
- RateRate as of 10/1/26
- 6.000%
- APRAPR
- 6.650%
- Monthly paymentMonthly payment
- $2,111
- Points
- 1.725
- Upfront costs
- $7,267
- 8-year cost
- $184,362
- Customer score
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About our Mortgage Rate Tables: The above mortgage loan information is provided to, or obtained by, Bankrate. Some lenders provide their mortgage loan terms to Bankrate for advertising purposes and Bankrate receives compensation from those advertisers (our “Advertisers”). Other lenders' terms are gathered by Bankrate through its own research of available mortgage loan terms and that information is displayed in our rate table for applicable criteria. In the above table, an Advertiser listing can be identified and distinguished from other listings because it includes a “Next” button that can be used to click-through to the Advertiser's own website or a phone number for the Advertiser.
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Loans Above $832,750 May Have Different Loan Terms: If you are seeking a loan for more than $832,750, lenders in certain locations may be able to provide terms that are different from those shown in the table above. You should confirm your terms with the lender for your requested loan amount.
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During 2025, Bankrate's top offer outperformed 99.7% of rates from 600+ surveyed banks and credit unions.
Comparison based on Bankrate's most competitive daily purchase and refinance mortgage offers versus a third-party survey of bank and credit union offers during 2025, comparing similar 30-year fixed-rate loans. Bankrate figures reflect quoted rates users selected on Bankrate's rate tables, not necessarily final or funded loans, using loan-amount and credit-score ranges centered on the survey's parameters to capture sufficient volume for a reliable daily comparison. More than 600 unique banks and credit unions were surveyed over the year (with about 300 surveyed each week), and Bankrate's best offer was compared each day against the institutions surveyed that day. On an average day, Bankrate's 8-year cost (including interest, points, and fees, net of lender credits) was lower than about 99.7% of those institutions. Surveyed institutions represent roughly half of U.S. bank and credit union mortgage originations, not all banks and credit unions. Individual results vary.---
Source: Bankrate Research, "The Hidden Homeownership Tax" (2026). The study's finding is that approximately 87% of 2025 mortgage borrowers overpaid. Based on 2025 purchase and refinance originations for which a comparable Bankrate benchmark was available, not all borrowers. "Overpaid" means the borrower's loan had a higher estimated 8-year cost (including points, fees, and interest) than a loan benchmarked by Bankrate for borrowers with a similar credit profile, and does not reflect an independent or market-wide determination that any individual overpaid. Estimates are subject to methodological uncertainty arising from the imputation of borrower credit attributes. Individual results vary.
During 2025, Bankrate's most-competitive offers were projected to save the average U.S. mortgage borrower $78,186 over the full life of their loan.
Bankrate Research, "The Hidden Homeownership Tax" (2026). Based on 3M+ 2025 HMDA reported originations with a comparable Bankrate benchmark, not all loans. Est. lifetime cost of each borrower's actual loan vs. Bankrate's most-competitive matched offer. $78,186 = proj. avg. across evaluated loans, assuming each held to term; savings lower for those who sell or refi. Individual results vary.