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[H2] Why millions trust NerdWallet
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[H2] Why millions trust NerdWallet
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View All NewsShowing article 1 of 5: Discover Credit Cards Will Become Capital One Cards Starting This Year
[IMG: Discover Credit Cards Will Become Capital One Cards Starting This Year]
Read article: Discover Credit Cards Will Become Capital One Cards Starting This Year
[H3] Discover Credit Cards Will Become Capital One Cards Starting This Year
[IMG: Millions Can’t Cover an Emergency Expense. Here’s How to Handle One]
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[H3] Millions Can’t Cover an Emergency Expense. Here’s How to Handle One
[IMG: Data: Massive Survey Shows How Generations Spend Money]
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[IMG: War Negotiations Break Down, Gas Prices Surge]
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[IMG: Discover Credit Cards Will Become Capital One Cards Starting This Year]
Read article: Discover Credit Cards Will Become Capital One Cards Starting This Year
[H3] Discover Credit Cards Will Become Capital One Cards Starting This Year
[IMG: Millions Can’t Cover an Emergency Expense. Here’s How to Handle One]
Read article: Millions Can’t Cover an Emergency Expense. Here’s How to Handle One
[H3] Millions Can’t Cover an Emergency Expense. Here’s How to Handle One
[IMG: Data: Massive Survey Shows How Generations Spend Money]
Read article: Data: Massive Survey Shows How Generations Spend Money
[H3] Data: Massive Survey Shows How Generations Spend Money
[IMG: War Negotiations Break Down, Gas Prices Surge]
Read article: War Negotiations Break Down, Gas Prices Surge
[H3] War Negotiations Break Down, Gas Prices Surge
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[H3] Beef Prices Still Sizzle
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Read article: Discover Credit Cards Will Become Capital One Cards Starting This Year
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Melissa LambarenaMay 18, 2026
[H3] Discover Credit Cards Will Become Capital One Cards Starting This Year
[IMG: Millions Can’t Cover an Emergency Expense. Here’s How to Handle One]
Read article: Millions Can’t Cover an Emergency Expense. Here’s How to Handle One
[H3] Millions Can’t Cover an Emergency Expense. Here’s How to Handle One
[IMG: Data: Massive Survey Shows How Generations Spend Money]
Read article: Data: Massive Survey Shows How Generations Spend Money
[H3] Data: Massive Survey Shows How Generations Spend Money
[IMG: War Negotiations Break Down, Gas Prices Surge]
Read article: War Negotiations Break Down, Gas Prices Surge
[H3] War Negotiations Break Down, Gas Prices Surge
[IMG: Beef Prices Still Sizzle]
Read article: Beef Prices Still Sizzle
[H3] Beef Prices Still Sizzle
[IMG: Discover Credit Cards Will Become Capital One Cards Starting This Year]
Read article: Discover Credit Cards Will Become Capital One Cards Starting This Year
[H3] Discover Credit Cards Will Become Capital One Cards Starting This Year
[IMG: Millions Can’t Cover an Emergency Expense. Here’s How to Handle One]
Read article: Millions Can’t Cover an Emergency Expense. Here’s How to Handle One
[H3] Millions Can’t Cover an Emergency Expense. Here’s How to Handle One
[IMG: Data: Massive Survey Shows How Generations Spend Money]
Read article: Data: Massive Survey Shows How Generations Spend Money
[H3] Data: Massive Survey Shows How Generations Spend Money
[IMG: War Negotiations Break Down, Gas Prices Surge]
Read article: War Negotiations Break Down, Gas Prices Surge
[H3] War Negotiations Break Down, Gas Prices Surge
[IMG: Beef Prices Still Sizzle]
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[H3] Beef Prices Still Sizzle
[IMG: Discover Credit Cards Will Become Capital One Cards Starting This Year]
Read article: Discover Credit Cards Will Become Capital One Cards Starting This Year
[H3] Discover Credit Cards Will Become Capital One Cards Starting This Year
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Find smarter rates today

Quickly compare mortgages or banking rates and see how they stack up to
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Mortgages Banking Compare Now
[H3] Refinance
Best rate on NerdWallet (30-Year Fixed) 6.33%
Average rate (30-Year Fixed) 7.11%
[H3] 30-Year Fixed
Best rate on NerdWallet 6.30%
Average rate 6.42%
[H3] 15-Year Fixed
Best rate on NerdWallet 5.23%
Average rate 5.85% Compare Now
[H3] Savings
Best HYSA rate on NerdWallet 5.00%
Average Savings rate 0.38%
[H3] CD Rates
Best rate on NerdWallet (1-Year) 4.10%
Average rate (1-Year) 1.55%
[H3] Money Market
Best rate on NerdWallet 3.90%
Average rate 0.57% Average rates are sourced from Zillow. Terms apply and vary depending on
qualifications. Rates are subject to change at any time without notice.
See footnote for more details.1
Average rates are sourced from the FDIC. Terms apply and requirements may vary. Rates are subject to change at
any time without notice. See footnote for more details.2
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[H2] Earn 3.9% APY on your cash
Boost your APY for 6 months with a Cash Account offered by Atomic Brokerage. You can build up your emergency fund or stay flexible, withdrawing whenever you need without penalties or account minimums. Just deposit funds within 14 days so you can earn a boosted 3.9% APY on balances up to $250,000 for the first 6 months. Unlock 3.9% Today
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[IMG: Cash Account illustration showing 3.9% APY earnings growth]
[IMG: Cash Account illustration showing 3.9% APY earnings growth]
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More resources

Find additional information on NerdWallet credit cards, banking,
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Credit Cards
[H3] Discover the best cash back credit cards
We've reviewed and rated hundreds of credit cards to help you find the one that's best for you.Best cash back cardsInsurance
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Explore options for first-time homebuyers and seasoned investors.Compare mortgage lendersPersonal loans
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[H3] Find the right student loan for you
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[H2] Track, save, and invest — all in one easy app
Monitor your net worth and earn 3.9% APY on your cash with a Cash Account offered by Atomic Brokerage. See full terms 4.8 average star rating 100k 5-star ratings 7m total downloads
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1Showing the best refinance rate for:
Good (720-739), 30-year fixed, Single-family, Primary residence, cash-out.
Showing the best 30-year fixed rate for: Purchase, Good (720-739),
$500,000, Single-family, Primary residence. Showing the best 15-year fixed
rate for: Purchase, Good (720-739), $500,000, Single-family, Primary
residence.
2Savings APYs shown are current as of May 18, 2026. All other information is current as of May 1, 2026. CD APYs shown are current as of May 18, 2026. All other information is current as of May 1, 2026. Money Market APYs shown are current as of April 27, 2026. All other information is current as of November 18, 2025. Minimum requirements vary for APY.

Sort by:NerdWallet ratingMin. credit scoreMin. down paymentBest for home loans overall
[IMG: Chase]
NMLS#399798NerdWallet rating5.0Home loans overallMin. credit score620Min. down payment3%GET MY RATEOur take on ChaseThe Nerdy headlineChase mortgage has an above-average reputation for consumer satisfaction, and offers a number of programs that can make home buying more affordable and accessible.What we likeOffers a wide range of loan types, including options with low down payment requirements.Home buyer grants up to $5,000 may apply for qualified borrowers.Receives above-average ratings for customer satisfaction, according to J.D. Power and Zillow.What we don't likeBorrowers must create an account or speak with a home loan expert before completing an online application.Parts of the prequal and preapproval process cannot be done solely online.Read our full review of Chase Best for jumbo loans, cash-out refinancing and second homes
[IMG: Bank of America]
NMLS#399802NerdWallet rating5.0Jumbo loansMin. credit score720Min. down payment5%GET MY RATEOur take on Bank of AmericaThe Nerdy headlineBank of America offers low average jumbo rates and fees. Some borrowers can qualify for down payment assistance or rate discounts.What we likeOffers low average jumbo rates and fees compared with other lenders.Major jumbo lender, by loan volume.What we don't likeJumbo loans represent a somewhat small share of total home lending for Bank of America.Online rate quote tool doesn’t personalize by credit score.Read our full review of Bank of America Best for VA loans
[IMG: Veterans United]
NMLS#1907NerdWallet rating5.0VA loansMin. credit score620Min. down payment0%GET MY RATEOur take on Veterans UnitedThe Nerdy headlineVeterans United originates more VA mortgages than any other lender. Though average VA rates and fees are middle of the road, it’s a solid pick for veterans and military borrowers looking for a VA loan with ample support along the way.What we likeMajor VA lender, by loan volume.VA loans make up a large share of Veterans United's total home loans.Offers a strong variety of VA loan types for purchase and refinance.What we don't likeAverage VA loan interest rates are less competitive than some other top VA lenders, according to the latest data.Website doesn’t have online chat.Read our full review of Veterans United Best for cash-out refinancing, jumbo loans, and home loans overall
[IMG: Wells Fargo]
NMLS#399801NerdWallet rating5.0Home loans overallMin. credit score620Min. down payment3%GET MY RATEOur take on Wells FargoThe Nerdy headlineWells Fargo has significantly shrunk its mortgage business in recent years, but still offers a range of government-backed and speciality loans, as well as assistance for first-time home buyers. What we likeBorrowers can see customized mortgage rate estimates online.Offers relatively low interest rates and fees, according to the latest federal data.Discounts may be available for existing Wells Fargo customers.What we don't likeDoes not offer home equity loans or HELOCs.Borrowers need at least $250,000 in assets with the bank to qualify for a rate discount.Prospective borrowers may be put off by the lender’s past legal issues.Read our full review of Wells Fargo Best for home equity loans
[IMG: Better]
NMLS#330511NerdWallet rating5.0Home equity loansMin. credit score680Min. down paymentN/AGET MY RATEOur take on BetterThe Nerdy headlineOnline lender Better’s home equity loans offer flexible terms and personalized rate tools, but application or support options are somewhat limited.What we likeFlexible term options.Borrowers can personalize home equity loan rates online, by location.What we don't likeCharges closing costs. No mobile app. Read our full review of Better Best for borrowers with low credit
[IMG: Real Genius]
NMLS#2389303NerdWallet rating4.5Home loans overallMin. credit score620Min. down payment3.5%GET MY RATEOur take on Real GeniusThe Nerdy headlineReal Genius is a smart pick for a do-it-yourself online quote. We’re impressed with its "no fine print” approach and options to sort and customize APR and fees. However, Real Genius does not have a mobile app and doesn’t currently prioritize home equity lending.What we likeEasy and transparent online rate quote tool.May accept borrowers with low credit scores.Closes loans in an average of 30 days (faster than industry average).What we don't likeFederal data isn’t available for us to objectively compare this lender with others.Home equity loans and HELOCs aren’t a priority.Not currently lending in U.S. territories.Read our full review of Real Genius Best for FHA loans
[IMG: loanDepot]
NMLS#174457NerdWallet rating5.0FHA loansMin. credit score520Min. down payment3.5%GET MY RATEOur take on loanDepotThe Nerdy headlineLoanDepot, one of the country’s largest mortgage lenders, offers a wide range of FHA mortgages, including the harder-to-find FHA 203(k) renovation loan.What we likeFHA loans make up a large share of LoanDepot's total home loans.Major FHA lender, by loan volume.Offers a strong variety of FHA loan types for purchase and refinance.What we don't likeNo mortgage rates posted online.Recent headlines have damaged consumer trust.Read our full review of loanDepot Best for first-time home buyers
[IMG: Rocket Mortgage, LLC]
NMLS#3030NerdWallet rating4.5Home loans overallMin. credit score620Min. down payment3%GET MY RATEOur take on Rocket Mortgage, LLCThe Nerdy headlineRocket Mortgage is the Goliath of home loans in the U.S. It's the largest mortgage lender by volume, and keeps expanding its reach. Fortunately for borrowers, Rocket is a gentle giant, offering affordable borrowing options including a 1% down payment loan.What we likeOffers down payment and closing cost assistance.Largest lender, by volume, of FHA loans in 2025.Borrowers can apply via mobile app.What we don't likeAverage origination fees are on the higher side, according to the latest federal data.No HELOCs.No physical branches.Read our full review of Rocket Mortgage, LLC Best for VA loans
[IMG: Navy Federal]
NMLS#399807NerdWallet rating5.0VA loansMin. credit scoreN/AMin. down payment0%GET MY RATEOur take on Navy FederalThe Nerdy headlineNavy Federal is known for VA lending, but its flexible VA-like loan options truly stand out. You'll need a military connection to join the credit union.What we likeLow average fees and rates compared to other lenders.Major VA lender, by loan volume.What we don't likeBorrowers must join the credit union before applying for a mortgage, and all borrowers on the loan must be members for the loan to close.Does not offer VA rehab and renovation loans.Read our full review of Navy Federal Best for refinancing, HELOCs, second or manufactured homes, and home loans overall
[IMG: Truist]
NMLS#399803NerdWallet rating5.0Home loans overallMin. credit score620Min. down payment3%GET MY RATEOur take on TruistThe Nerdy headlineIf you prefer people to tech, Truist might be a good fit for you. Preapproval and customer care happen mostly offline, and for details on less-common loan types or custom rates you'll need to talk to a person.What we likeOffers a wide range of mortgage options focused on affordability.Convenient online application.Generous grants for qualifying home buyers in select locations.What we don't likeGetting custom rates and applying for mortgage preapproval both require human contact.Customer care leans heavily on phone and in-person service.HELOCs are not available in most states, though home loans are available everywhere in the U.S. except Alaska, Arizona and Hawaii.Read our full review of Truist Best for FHA loans
[IMG: Pennymac]
NMLS#35953NerdWallet rating5.0FHA loansMin. credit score580Min. down payment3.5%GET MY RATEOur take on PennymacThe Nerdy headlinePennymac, known for government loans, has low average FHA rates. Best for FHA borrowers looking for low rates and an efficient digital experience.What we likeFHA loans make up a large share of Pennymac's total home loans.Major FHA lender, by loan volume.Offers low FHA mortgage rates compared with other lenders.What we don't likeYou can't shop rates without giving the lender your contact information first.No construction or renovation loans.Read our full review of Pennymac Best for HELOCs and home loans overall
[IMG: PNC Bank]
NMLS#446303NerdWallet rating5.0Home loans overallMin. credit score620Min. down payment3%GET MY RATEOur take on PNC BankThe Nerdy headlinePNC Bank offers a wide selection of loans and refinance options, with a streamlined digital experience and comprehensive rates tool.What we likeSolid variety of mortgage types, both standard and harder-to-find.Online rate quotes are informative and easy to customize.Offers down payment grants and no-PMI loans for low-income borrowers.What we don't likeMobile app has limited mortgage features.In-person service not available in all states.Construction loans are only available in AL, AZ, CA, CO, FL, GA, NJ, NM, NC, OH, PA, SC, TN, TX, VA and WA.Read our full review of PNC Bank Best for home equity loans
[IMG: SoFi]
NMLS#696891NerdWallet rating5.0Home equity loansMin. credit score680Min. down paymentN/AGET MY RATEOur take on SoFiThe Nerdy headlineSoFi’s home equity loans offer flexible term options and fast-than-average closing, but may require an appraisal and aren't available for second homes. What we likeFlexible term options.Average reported closing time is two weeks. What we don't likeMay require an appraisal.Not available for second homes. Read our full review of SoFi Best for manufactured home loans
[IMG: U.S. Bank]
NMLS#402761NerdWallet rating4.5Home loans overallMin. credit score620Min. down payment3%GET MY RATEOur take on U.S. BankThe Nerdy headlineU.S. Bank offers a broad selection of mortgages, including some niche options. Rates and fees are middle of the road, per federal data. The bank offers helpful tech for rate shopping and live chat, though its online application could be smoother.What we likeWide variety of mortgages, including some harder-to-find types.Experience in construction and renovation loans.Offers up to $17,500 in assistance (income/location requirements apply).What we don't likeRates shown online don’t reflect your credit score.Contact form interrupts online application before you can complete it.Few mortgage options for borrowers with low/bad credit.Read our full review of U.S. Bank Best for refinancing, first-time home buyers and home loans overall
[IMG: Alliant]
NMLS#197185NerdWallet rating5.0Home loans overallMin. credit score620Min. down payment3%GET MY RATEOur take on AlliantThe Nerdy headlineAlliant Credit Union allows you to see a wide range of customized mortgage rates without sharing your contact information, and offers competitive loan products for first-time home buyers. What we likeOffers a competitive combination of low rates and fees. Mortgage borrowers do not need to become members of the credit union until reaching the closing process.Sample rates are displayed upfront, and it's easy to get detailed, personalized rates without providing any personally identifying information.What we don't likeMobile banking app doesn't offer mortgage features. Read our full review of Alliant Best for borrowers with low credit
[IMG: Network Capital]
NMLS#11712NerdWallet rating4.5Home loans overallMin. credit score620Min. down payment3%GET MY RATEOur take on Network CapitalThe Nerdy headlineNetwork Capital stands out for its focus on borrowers with lower credit score, and offering competitive refinance products.What we likeCash-out refinancing is an uncommon specialty, so Network Capital could appeal to that borrower.Offers HELOCs for homeowners who want to access their equity without refinancing.What we don't likeHome buyers should know the lender doesn’t specialize in purchase loans.Borrowers must be contacted for a quote before completing an online application.Read our full review of Network Capital Best for home loans overall
[IMG: FourLeaf Federal Credit Union]
NMLS#449104NerdWallet rating5.0Home loans overallMin. credit score620Min. down payment3%GET MY RATEOur take on FourLeaf Federal Credit UnionThe Nerdy headlineFourLeaf Credit Union, formerly known as Bethpage, is easy to join: Just deposit $5 in a savings account. Its online rates tool lets you estimate monthly payments, but customization is limited.What we likeNice selection of specialty mortgages.Well rated mobile app.What we don't likeNo renovation or construction loans.Online rate quote is light on detail and doesn’t let you customize.Average interest rates are on the higher side, according to the latest federal data.Read our full review of FourLeaf Federal Credit Union