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Mortgage rates today

Showing results for: Single-family home, 30 year fixed and 15 year fixed mortgages with all points options.

For live offers, represented by the solid button on each, we earn a fixed fee if you connect with the lender.

Mutual of Omaha Mortgage 15 Year Fixed
NMLS #1025894
RateRate as of 7/22/26
5.125%
APRAPR
5.477%
Monthly paymentMonthly payment
$2,807
Points
1.636
Upfront costs
$7,997
8-year cost
$123,174
Customer score
Third Federal Savings and Loan 15 Year Fixed
NMLS #449401
RateRate as of 7/22/26
5.190%
APRAPR
5.562%
Monthly paymentMonthly payment
$2,819
Points
2
Upfront costs
$8,435
8-year cost
$125,180
Customer score
Tomo Mortgage 15 Year Fixed
NMLS #2059741 | State Lic: RM.804811.000
RateRate as of 7/22/26
5.250%
APRAPR
5.630%
Monthly paymentMonthly payment
$2,836
Points
1.852
Upfront costs
$8,219
8-year cost
$126,044
Customer score
Alliant Credit Union 15 Year Fixed
NMLS #197185
RateRate as of 7/22/26
5.375%
APRAPR
5.669%
Monthly paymentMonthly payment
$2,853
Points
1.617
Upfront costs
$6,642
8-year cost
$127,863
Customer score
Sage Home Loans 15 Year Fixed
NMLS #3304 | State Lic: RM.850026.000
RateRate as of 7/22/26
5.375%
APRAPR
5.716%
Monthly paymentMonthly payment
$2,853
Points
1.763
Upfront costs
$7,700
8-year cost
$128,921
Customer score
New American Funding 15 Year Fixed
NMLS #6606
RateRate as of 7/22/26
5.740%
APRAPR
6.166%
Monthly paymentMonthly payment
$2,922
Points
1.992
Upfront costs
$9,511
8-year cost
$139,094
Customer score
Tomo Mortgage 30 Year Fixed
NMLS #2059741 | State Lic: RM.804811.000
RateRate as of 7/22/26
5.625%
APRAPR
5.862%
Monthly paymentMonthly payment
$2,031
Points
1.939
Upfront costs
$8,525
8-year cost
$157,189
Customer score
Third Federal Savings and Loan 30 Year Fixed
NMLS #449401
RateRate as of 7/22/26
5.790%
APRAPR
6.015%
Monthly paymentMonthly payment
$2,063
Points
2
Upfront costs
$8,435
8-year cost
$162,094
Customer score
Mutual of Omaha Mortgage 30 Year Fixed
NMLS #1025894
RateRate as of 7/22/26
5.990%
APRAPR
6.206%
Monthly paymentMonthly payment
$2,108
Points
1.641
Upfront costs
$8,014
8-year cost
$167,292
Customer score
Alliant Credit Union 30 Year Fixed
NMLS #197185
RateRate as of 7/22/26
6.125%
APRAPR
6.310%
Monthly paymentMonthly payment
$2,139
Points
1.671
Upfront costs
$6,832
8-year cost
$169,909
Customer score
Sage Home Loans 30 Year Fixed
NMLS #3304 | State Lic: RM.850026.000
RateRate as of 7/22/26
6.125%
APRAPR
6.315%
Monthly paymentMonthly payment
$2,139
Points
1.568
Upfront costs
$7,013
8-year cost
$170,090
Customer score
New American Funding 30 Year Fixed
NMLS #6606
RateRate as of 7/22/26
6.490%
APRAPR
6.739%
Monthly paymentMonthly payment
$2,223
Points
1.836
Upfront costs
$8,962
8-year cost
$181,812
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.

Availability of Advertised Terms: Each Advertiser is responsible for the accuracy and availability of its own advertised terms. Bankrate cannot guaranty the accuracy or availability of any loan term shown above. However, Bankrate attempts to verify the accuracy and availability of the advertised terms through its quality assurance process and requires Advertisers to agree to our Terms and Conditions and to adhere to our Quality Control Program. Click here for rate criteria by loan product.

Loan Terms for Bankrate.com Customers: Advertisers may have different loan terms on their own website from those advertised through Bankrate.com. To receive the Bankrate.com rate, you must identify yourself to the Advertiser as a Bankrate.com customer. This will typically be done by phone so you should look for the Advertisers phone number when you click-through to their website. In addition, credit unions may require membership.

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.

Taxes and Insurance Excluded from Loan Terms: The loan terms (APR and Payment examples) shown above do not include amounts for taxes or insurance premiums. Your monthly payment amount will be greater if taxes and insurance premiums are included.

Consumer Satisfaction: If you have used Bankrate.com and have not received the advertised loan terms or otherwise been dissatisfied with your experience with any Advertiser, we want to hear from you. Please click here to provide your comments to Bankrate Quality Control.