Bank Compass
Compare Now

Mortgages & refinancing · 2026

Find your dream home with the right mortgage.

Compare today's top mortgage rates, calculate your monthly payment, and find the perfect lender for your home buying or refinancing journey.

Education & Resources: guides for first-time home buyers
See what a price actually costs a monthHome price in, monthly payment out — at 6.66% on a 30-year

This week's national average

6.66%30-year fixed

6.04%15-year fixed

30-year up 8 basis points from the week before, and down 6 basis points from a year ago.

Freddie Mac's Primary Mortgage Market Survey, week of 2026-07-30. It covers conforming conventional loans for buyers with strong credit and 20% down — not FHA, VA or jumbo, and it has not published points since 2022. freddiemac.com

Bank Compass is not a bank, is not FDIC-insured, does not provide financial advice, and is not affiliated with the entities compared unless otherwise noted. Rates and terms change — always verify on the bank's official website.

7 lenders, rate and APR side by side

4 of them are banks we already profile; the rest are mortgage-only lenders big enough that leaving them out would misrepresent the market. 4 publish a rate we could tie to a named product — the others say so on their card instead of showing a number we borrowed from somewhere else.

What would the monthly payment be?

Three numbers. The full calculator opens with them in, and adds property tax, insurance and PMI — the part that turns principal and interest into the real bill.

Estimate my payment

Opens Mortgage Calculator (PITI + PMI) on financeinyourpocket.com with your numbers already filled in. Free, no sign-up.

Default rate: the 6.66% national average on a 30-year fixed published by Freddie Mac for the week of 2026-07-30. Your own rate depends on your credit score, down payment, property type and location — shop more than one lender before you assume it.

Your figures

Set your figures once — every button below opens the calculator with them and that lender's published rate already in.

Kept in this browser only — never sent to us, and not in any analytics event. They travel in the link you click, to financeinyourpocket.com.

7 of 7 lenders · big numbers show each one's 30-year fixed

Rocket Mortgage logo
Fully onlineFHA & VA loans

Rocket Mortgage

Rocket Mortgage, LLC

4.4

30-year fixed

Rate
6.875%
APR
7.141%
Use this rate
Rates, fees & the fine print

Origination fee

Not verified yet

Credit score

580 for FHA (with 3.5% down) and 580…

Time to close

Not verified yet

Apply and close 100% online — no branch visit

What this quote assumes

740 FICO. Rates stamped 4:34 AM UTC on the day we checked.

  • Application and closing run entirely online
  • Publishes rates for 5 loan products
  • Origination fee not published anywhere we could check
Get Custom RatesSee published rates

Figures verified 2026-08-04 · source

NMLS #3030 · check it on NMLS Consumer Access

Chase logo
Branch + onlineFHA loans

Chase

JPMorgan Chase Bank, N.A.

3.4

30-year fixed

Rate
6.375%
APR
6.575%
Use this rate
Rates, fees & the fine print

Origination fee

Not verified yet

Credit score

Not verified yet

Time to close

Not verified yet

Branch network plus a full online application

What this quote assumes

$350,000 at 80% LTV (conventional), $250,000 at 95% (FHA), $1,300,000 at 70% (jumbo and ARM). 30-day lock, single-family purchase, Chicago IL 60629. Rates stamped Aug 3, 2026 10:41 AM ET.

  • Publishes rates for 5 loan products
  • Does not publish a minimum credit score
Get Custom RatesRead Full Review

Figures verified 2026-08-04 · source

Bank of America logo
Branch + onlineFHA & VA loans

Bank of America

Bank of America, N.A.

3.7

30-year fixed

Rate
6.875%
APR
7.10%
Use this rate
Rates, fees & the fine print

Origination fee

Not verified yet

Credit score

Not verified yet

Time to close

Not verified yet

Branch network plus a full online application

What this quote assumes

$200,000 loan, ZIP 95464, "excellent credit (including a credit score of 740 or higher)". Every rate shown includes 0.610–0.878 discount points already paid. Rates stamped Aug 3, 2026 2:12 PM UTC.

  • Publishes rates for 6 loan products
  • Offers both FHA and VA loans
  • Does not publish a minimum credit score
Get Custom RatesRead Full Review

Figures verified 2026-08-04 · source

Better logo
Fully onlineHELOC available

Better

Better Mortgage Corporation

3.7

30-year fixed

Rate
6.25%
APR
6.516%
Use this rate

Includes 2.32 discount points already paid up front

Rates, fees & the fine print

Origination fee

Not verified yet

Credit score

Not verified yet

Time to close

One Day Mortgage™: an underwriting…

Apply and close 100% online — no branch visit

What this quote assumes

ZIP 29415, and this one is not comparable at face value: the rate shown already includes 2.32 discount points ($8,121) paid up front — roughly three times what the next lender on this page buys down.

  • Application and closing run entirely online
  • One Day Mortgage™: an underwriting decision within 24…
  • Every rate shown already includes 2.32 points paid up front
Get Custom RatesSee published rates

Figures verified 2026-08-04 · source

NMLS #330511 · check it on NMLS Consumer Access

Wells Fargo logo
Branch + onlineFHA & VA loans

Wells Fargo

Wells Fargo Bank, N.A.

1.7

No rate published for this product. We only show a rate we could read on the lender's own page and tie to a named product — Wells Fargo does not publish one we could.

Rates, fees & the fine print

Origination fee

Not verified yet

Credit score

Not verified yet

Time to close

Not verified yet

Branch network plus a full online application

What this quote assumes

Austin, TX; $400,000 purchase price; $80,000 down. The published table does not label which product each rate belongs to, so we show no rate for Wells Fargo rather than guess.

  • Offers both FHA and VA loans
  • Publishes no rate we could tie to a specific product
Get Custom RatesRead Full Review

Figures verified 2026-08-04 · source

U.S. Bank logo
Branch + onlineFHA & VA loans

U.S. Bank

U.S. Bank National Association

1.9

No rate published for this product. We only show a rate we could read on the lender's own page and tie to a named product — U.S. Bank does not publish one we could.

Rates, fees & the fine print

Origination fee

Not verified yet

Credit score

Not verified yet

Time to close

Not verified yet

Branch network plus a full online application

What this quote assumes

740+ FICO (680+ for FHA), single-family primary residence, up to one discount point purchased. The rate table itself renders client-side, so there is no figure to read at the source.

  • Offers both FHA and VA loans
  • Publishes no rate we could tie to a specific product
Get Custom RatesRead Full Review

Figures verified 2026-08-04 · source

loanDepot logo
FHA & VA loans

loanDepot

loanDepot.com, LLC

2.1

No rate published for this product. We only show a rate we could read on the lender's own page and tie to a named product — loanDepot does not publish one we could.

Rates, fees & the fine print

Origination fee

Not verified yet

Credit score

Not verified yet

Time to close

Not verified yet

Online application, with loan officers you can call

  • Offers both FHA and VA loans
  • Home equity loan and HELOC, not just purchase loans
  • Publishes no rate we could tie to a specific product
Get Custom Rates

Figures verified 2026-08-04 · source

NMLS #174457 · check it on NMLS Consumer Access

National averages from Freddie Mac's weekly survey, week of 2026-07-30 (6.66% on 30-year fixed). Check the current week at freddiemac.com.

Related reading

Where mortgage rates come from, and what your credit file does to the one you are quoted.

Run the numbers

The payment is one number. Whether to buy at all, whether to refinance and what the down payment has to be are three more.

Free and no sign-up, on financeinyourpocket.com — our sister site.

Before you apply for a mortgage

We are an independent platform. Rates shown are estimates and vary based on credit score, down payment, and location. Every figure on this page was read on the lender's own site on the date printed next to it, under that lender's own assumptions — different loan amounts, different states, and in some cases discount points already paid, which is why two rates that look alike may not be. A rate is not a price until a lender locks it for you.

Bank Compass is not a mortgage lender, a mortgage broker, or a licensed loan originator, and nothing here is an offer of credit or personalized financial advice. You can verify any lender's licence, its NMLS number and its regulatory history yourself at NMLS Consumer Access, the free public registry run by the state financial regulators.

"Get Custom Rates" takes you to the lender's official page. We earn no commission on those links — the site is funded by advertising, not by the lenders listed here. How we rank and verify everything. The banks among these lenders also have a full profile in our bank directory.