Showing: Purchase, Good (720-739), 15-year fixed, Single family home, Primary residence.
Better: NMLS#330511
Lowest APR
Lowest monthly payment
Great for digital convenienceConventional 15-year fixed
APR
5.162%
Interest rate
4.875%
Mo. payment
$3,138
Insurance $0Total fees
$7,496
About this lender
Pros
- Borrowers can apply, lock in a rate and receive a commitment letter within one day.
- Offers both HELOCs and home equity loans with a high borrowing limit of 90% CLTV.
- Offers mortgages for manufactured homes, as well as financing for self-employed borrowers.
Cons
- No mobile app; customer service is by email or phone only.
- Borrower must provide contact information to see customized rates.
- Does not offer renovation or construction loans.
Lowest APR
Lowest monthly payment
Great for digital convenienceConventional 15-year fixed
APR
5.162%
Interest rate
4.875%
Mo. payment
$3,138
Insurance $0Total fees
$7,496
About this lender
Pros
- Borrowers can apply, lock in a rate and receive a commitment letter within one day.
- Offers both HELOCs and home equity loans with a high borrowing limit of 90% CLTV.
- Offers mortgages for manufactured homes, as well as financing for self-employed borrowers.
Cons
- No mobile app; customer service is by email or phone only.
- Borrower must provide contact information to see customized rates.
- Does not offer renovation or construction loans.
Farmers Bank of Kansas City: NMLS#613839
4.5
Great for Rate transparencyConventional 15-year fixed
APR
5.545%
Interest rate
5.25%
Mo. payment
$3,216
Insurance $0Total fees
$7,607
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.
Farmers Bank of Kansas City: NMLS#6138394.5
Great for Rate transparencyConventional 15-year fixed
APR
5.545%
Interest rate
5.25%
Mo. payment
$3,216
Insurance $0Total fees
$7,607
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.
Next Door Lending LLC: NMLS#1880338
Conventional 15-year fixed
APR
5.608%
Interest rate
5.375%
Mo. payment
$3,242
Insurance $0Total fees
$6,000
EXPLORE QUOTENext Door Lending is a wholly-owned subsidiary of NerdWallet
Next Door Lending is a wholly-owned subsidiary of NerdWallet
About this lender
Pros
- Offers unique loan types, including construction loans, first-time home buyer programs with down payment assistance and loans for self-employed borrowers.
- Real-time rate quotes available while working with a broker.
- Responsive customer service; loan disclosures available within an hour after completing your application.
- Competitive pricing often available, especially for non-traditional borrowers.
Cons
- Does not publish interest rates online.
- No mortgage mobile app.
- Loans are not available in every state.
Next Door Lending LLC: NMLS#1880338Conventional 15-year fixed
APR
5.608%
Interest rate
5.375%
Mo. payment
$3,242
Insurance $0Total fees
$6,000
EXPLORE QUOTENext Door Lending is a wholly-owned subsidiary of NerdWallet
Next Door Lending is a wholly-owned subsidiary of NerdWallet
About this lender
Pros
- Offers unique loan types, including construction loans, first-time home buyer programs with down payment assistance and loans for self-employed borrowers.
- Real-time rate quotes available while working with a broker.
- Responsive customer service; loan disclosures available within an hour after completing your application.
- Competitive pricing often available, especially for non-traditional borrowers.
Cons
- Does not publish interest rates online.
- No mortgage mobile app.
- Loans are not available in every state.
NBKC: NMLS#409631
Great for first-time home buyers | digital convenience | customer serviceConventional 15-year fixed
APR
5.676%
Interest rate
5.625%
Mo. payment
$3,295
Insurance $0Total fees
$1,307
EXPLORE QUOTEon NBKC
on NBKC
About this lender
Pros
- Mortgage rates are on the low side compared to other lenders, according to the latest federal data.
- VA loans represent more than a quarter of purchase volume, a larger share than many lenders NerdWallet reviews.
- Offers a variety of loan types for purchase and refinance, including fixed- and adjustable-rate loans and government options
Cons
- HELOCs and no-down-payment loans are available only in the Kansas City metro area.
- Mobile app focuses on online banking, not mortgages.
- You’ll need to share contact information to see customized mortgage rates.
Great for first-time home buyers | digital convenience | customer serviceConventional 15-year fixed
APR
5.676%
Interest rate
5.625%
Mo. payment
$3,295
Insurance $0Total fees
$1,307
EXPLORE QUOTEon NBKC
on NBKC
About this lender
Pros
- Mortgage rates are on the low side compared to other lenders, according to the latest federal data.
- VA loans represent more than a quarter of purchase volume, a larger share than many lenders NerdWallet reviews.
- Offers a variety of loan types for purchase and refinance, including fixed- and adjustable-rate loans and government options
Cons
- HELOCs and no-down-payment loans are available only in the Kansas City metro area.
- Mobile app focuses on online banking, not mortgages.
- You’ll need to share contact information to see customized mortgage rates.
Central Bank: NMLS#407985
4.0
Conventional 15-year fixed
APR
5.757%
Interest rate
5.75%
Mo. payment
$3,322
Insurance $0Total fees
$192
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.
Central Bank: NMLS#4079854.0
Conventional 15-year fixed
APR
5.757%
Interest rate
5.75%
Mo. payment
$3,322
Insurance $0Total fees
$192
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.
New American Funding: NMLS#6606
Great for first-time home buyers | customer serviceConventional 15-year fixed
APR
5.803%
Interest rate
5.74%
Mo. payment
$3,320
Insurance $0Total fees
$1,629
EXPLORE QUOTEon New American Funding
on New American Funding
About this lender
Pros
- Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
- Its home equity line of credit can be used for a primary residence or second home.
Cons
- Average origination fees are on the high side, according to the latest federal data.
- Personalized mortgage rates are not available on the website without providing contact information.
Great for first-time home buyers | customer serviceConventional 15-year fixed
APR
5.803%
Interest rate
5.74%
Mo. payment
$3,320
Insurance $0Total fees
$1,629
EXPLORE QUOTEon New American Funding
on New American Funding
About this lender
Pros
- Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
- Its home equity line of credit can be used for a primary residence or second home.
Cons
- Average origination fees are on the high side, according to the latest federal data.
- Personalized mortgage rates are not available on the website without providing contact information.
Simplist: NMLS#1764611
4.5
Conventional 15-year fixed
APR
5.821%
Interest rate
5.625%
Mo. payment
$3,295
Insurance $0Total fees
$5,020
EXPLORE QUOTEon Simplist
on Simplist
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.
Simplist: NMLS#17646114.5
Conventional 15-year fixed
APR
5.821%
Interest rate
5.625%
Mo. payment
$3,295
Insurance $0Total fees
$5,020
EXPLORE QUOTEon Simplist
on Simplist
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.
FourLeaf Federal Credit Union: NMLS#449104
Conventional 15-year fixed
APR
6.06%
Interest rate
6%
Mo. payment
$3,376
Insurance $0Total fees
$1,520
EXPLORE QUOTEon FourLeaf Federal Credit Union
on FourLeaf Federal Credit Union
About this lender
Pros
- Specialty loans include financing for co-ops and nonwarrantable condos.
- Offers conventional loans for manufactured homes.
- Highly rated mobile app.
Cons
- Interest rates are on the high side, according to the latest federal data.
- Doesn’t offer renovation, construction or USDA loans.
- Can’t get a preapproval online.
Conventional 15-year fixed
APR
6.06%
Interest rate
6%
Mo. payment
$3,376
Insurance $0Total fees
$1,520
EXPLORE QUOTEon FourLeaf Federal Credit Union
on FourLeaf Federal Credit Union
About this lender
Pros
- Specialty loans include financing for co-ops and nonwarrantable condos.
- Offers conventional loans for manufactured homes.
- Highly rated mobile app.
Cons
- Interest rates are on the high side, according to the latest federal data.
- Doesn’t offer renovation, construction or USDA loans.
- Can’t get a preapproval online.
Rocket Mortgage, LLC: NMLS#3030
Great for digital convenience | customer serviceConventional 15-year fixed
APR
7.176%
Interest rate
7.125%
Mo. payment
$3,624
Insurance $0Total fees
$1,250
EXPLORE QUOTEon Rocket Mortgage, LLC
on Rocket Mortgage, LLC
About this lender
Pros
- Reported average time to close is 15 days faster than industry average.
- FHA and VA loans make up 40% of Rocket Mortgage’s total loan volume.
- Borrowers can apply via mobile app.
Cons
- Origination fees are on the higher end, according to the latest federal data.
- No construction or renovation loans.
- Physical branches are only available in Detroit, Cleveland, and Phoenix.
Great for digital convenience | customer serviceConventional 15-year fixed
APR
7.176%
Interest rate
7.125%
Mo. payment
$3,624
Insurance $0Total fees
$1,250
EXPLORE QUOTEon Rocket Mortgage, LLC
on Rocket Mortgage, LLC
About this lender
Pros
- Reported average time to close is 15 days faster than industry average.
- FHA and VA loans make up 40% of Rocket Mortgage’s total loan volume.
- Borrowers can apply via mobile app.
Cons
- Origination fees are on the higher end, according to the latest federal data.
- No construction or renovation loans.
- Physical branches are only available in Detroit, Cleveland, and Phoenix.
