Showing: Purchase, Good (720-739), 30-year fixed, Single family home, Primary residence.
Northpointe: NMLS#447490Conventional 30-year fixed
Lowest APR
Lowest monthly payment
APR
6.403%
Interest rate
6.375%
Mo. payment
$2,496
Insurance $0
Total fees
$1,179
About this lender
Pros
- Offers government-backed FHA and VA loans, including refinancing options, and USDA loans.
- Jumbo loans available for vacation homes and investment properties.
- Offers programs for borrowers with credit challenges, self-employed borrowers and professionals early in their careers who may still carry significant debt.
Cons
- Mortgage rates are not published online.
- Origination fees are on the high side, according to the latest federal data.
- Doesn’t offer home equity loans or lines of credit.
Farmers Bank of Kansas City: NMLS#613839
Great for Rate transparency
Conventional 30-year fixed
4.5
NerdWallet rating
APR
6.525%
Interest rate
6.5%
Mo. payment
$2,529
Insurance $0
Total fees
$1,027
About this lender
Pros
- Displays customized rates, with fee estimates, without requiring contact information.
- Offers home equity loans and lines of credit.
- Mortgage origination fees are on the low side compared to other lenders, according to the latest federal data.
Cons
- Doesn’t offer government-backed FHA or USDA loans, or adjustable-rate mortgages.
- Home renovation loans are not available.
- Mortgage rates are on the high side compared to other lenders, according to the latest federal data.
EXPLORE QUOTEon Tomo
on Tomo
Tomo: NMLS#2059741
Great for Mortgage rate transparency
Conventional 30-year fixed4.0
NerdWallet rating
APR
6.58%
Interest rate
6.5%
Mo. payment
$2,529
Insurance $0
Total fees
$3,316
About this lender
Pros
- Special program offers a pricing break for first first-time home buyers.
- Offers financing options for self-employed borrowers and those without Social Security numbers.
- Interactive mortgage rates tool takes credit score and location into account.
Cons
- Purchase loans are not available in all states.
- Doesn’t offer home equity loans or lines of credit.
- No refinancing options are available.
Better: NMLS#330511
Great for digital convenience
Conventional 30-year fixed
APR
6.662%
Interest rate
6.625%
Mo. payment
$2,562
Insurance $0
Total fees
$1,524
About this lender
Pros
- Offers a one-day mortgage that lets eligible borrowers apply, lock in a rate and get a loan commitment within 24 hours.
- Average interest rates are on the low end compared to other lenders, according to the latest federal data.
- Offers a HELOC that can be used for a primary, second or investment home.
Cons
- Doesn't offer harder-to-find loans, such as construction loans, renovation loans, or USDA mortgages.
- Finding descriptions of all of the loan offerings on the website requires some digging, and the lender does not have a mobile app.
- Average lender fees are on the high end compared with other lenders, according to the latest federal data.
EXPLORE QUOTEon Simplist
on Simplist
Simplist: NMLS#1764611Conventional 30-year fixed
4.5
NerdWallet rating
APR
6.875%
Interest rate
6.875%
Mo. payment
$2,628
Insurance $0
Total fees
-$900
About this lender
Pros
- Loan origination process can be completed online.
- Offers government-backed FHA and VA loans.
- Offers module that compares mortgage rates among other lenders.
Cons
- Offers loans in many states and Washington, D.C., but not nationwide.
- Does not offer home equity loans or lines of credit.
NBKC: NMLS#409631
Great for first-time home buyers | digital convenience | customer service
Conventional 30-year fixed
APR
6.91%
Interest rate
6.875%
Mo. payment
$2,628
Insurance $0
Total fees
$1,411
About this lender
Pros
- Offers government-backed loans and some harder-to-find products, such as construction loans and specialty mortgages for pilots.
- Offers low rates and fees compared with other lenders, according to the latest federal data.
- Displays customized rates, with fee estimates, without requiring contact information.
Cons
- HELOCs and construction-to-permanent loans are available only in the Kansas City metro area.
Central Bank: NMLS#407985Conventional 30-year fixed
4.0
NerdWallet rating
APR
6.991%
Interest rate
6.99%
Mo. payment
$2,659
Insurance $0
Total fees
$32
About this lender
Pros
- Among the best when it comes to online convenience.
- Offers a full selection of mortgage types and products, including jumbo, home equity, and government loans.
- Claims to offer preapproval within 24 hours of loan application.
Cons
- You'll have to complete a loan application to see mortgage interest rates.
- Bank branch locations limited to the Midwest.
- Does not offer home equity lines of credit.
First Federal Bank: NMLS#408902Conventional 30-year fixed
APR
7%
Interest rate
7%
Mo. payment
$2,662
Insurance $0
Total fees
$0
About this lender
Pros
- Offers government-backed loans and some harder-to-find products, such as jumbo loans for investment and multifamily properties.
- Home renovation loans are available.
- Offers home equity loans and lines of credit.
Cons
- Mortgage rates are not published online.
- Bank branches are limited to eight states.
- Consumers might have trouble finding contact information.
EXPLORE QUOTEon HSBC Bank
on HSBC Bank
HSBC Bank: NMLS#399799Conventional 30-year fixed
5.0
NerdWallet rating
APR
7.145%
Interest rate
7.125%
Mo. payment
$2,695
Insurance $0
Total fees
$819
About this lender
Pros
- Offers an online application and loan process updates.
- Offers mortgages for investment properties.
- Makes it easy to browse current rates and get a customized mortgage rate quote.
Cons
- Does not offer FHA or VA government-backed loans.
- No renovation mortgage options.
