Applied Filters: Good (720-739), 30-year fixed, Single family home, Primary residence.
License information9 results:
APR
30-year fixed
Farmers Bank of Kansas City: NMLS#613839
Lowest APR
Lowest monthly payment
Great for Rate transparency
Conventional 30-year fixed
4.5
NerdWallet rating
APR
7.011%
Interest rate
7%
Mo. payment
$2,662
Insurance $0
Total fees
$451
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.
Northpointe: NMLS#447490Conventional 30-year fixed
APR
7.149%
Interest rate
7.125%
Mo. payment
$2,695
Insurance $0
Total fees
$975
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.
First Federal Bank: NMLS#408902Conventional 30-year fixed
APR
7.402%
Interest rate
7.375%
Mo. payment
$2,763
Insurance $0
Total fees
$1,063
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.
NBKC: NMLS#409631
Great for first-time home buyers | digital convenience | customer service
Conventional 30-year fixed
APR
7.423%
Interest rate
7.375%
Mo. payment
$2,763
Insurance $0
Total fees
$1,899
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.
Mutual of Omaha: NMLS#1025894
Great for Loan variety
Conventional 30-year fixed
3.5
NerdWallet rating
APR
7.49%
Interest rate
7.49%
Mo. payment
$2,795
Insurance $0
Total fees
$0
About this lender
Pros
- Offers a variety of mortgage options, including jumbo loans and FHA, VA and USDA loans.
- Offers $3,000 grant to buyers in some areas.
- Loans are available for construction, renovations and manufactured homes.
Cons
- You’ll have to contact the lender for mortgage rates.
- Doesn’t offer mortgages in all 50 states.
- Home equity loans and lines of credit are not available.
Central Bank: NMLS#407985Conventional 30-year fixed
4.0
NerdWallet rating
APR
7.493%
Interest rate
7.49%
Mo. payment
$2,795
Insurance $0
Total fees
$128
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 service
Conventional 30-year fixed
APR
7.532%
Interest rate
7.49%
Mo. payment
$2,795
Insurance $0
Total fees
$1,629
About this lender
Pros
- Offers a wide variety of purchase and refinance mortgages with an emphasis on helping underserved communities.
- Its home equity line of credit can be used for an owner-occupied or second home.
- Has a program to enable buyers to make cash offers.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
Cons
- Mortgage origination fees tend to be on the high end.
- Personalized mortgage rates are not available on the website without providing contact information.
EXPLORE QUOTEon HSBC Bank
on HSBC Bank
HSBC Bank: NMLS#399799Conventional 30-year fixed
5.0
NerdWallet rating
APR
8.005%
Interest rate
8%
Mo. payment
$2,936
Insurance $0
Total fees
$191
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.
EXPLORE QUOTEon Bethpage Federal Credit Union
on Bethpage Federal Credit Union
Bethpage Federal Credit Union: NMLS#449104Conventional 30-year fixed
APR
8.04%
Interest rate
8%
Mo. payment
$2,936
Insurance $0
Total fees
$1,520
About this lender
Pros
- Has a fully online mortgage application and a highly rated mobile app.
- Offers financing for co-ops, a type of home that’s common on the East Coast.
- Interest rates are on the low side, according to the latest federal data.
Cons
- In-person service available only on Long Island, New York.
- Doesn’t offer renovation, construction-to-permanent or USDA loans.
- Customized rates not available online.
