What Is Personal FinanceMortgage rate tables on lender websites update multiple times a day and depend heavily on your credit, down payment, and loan type. A number published today is often stale by tomorrow. This table skips per-lender rates that would go stale almost immediately and focuses on what stays comparable: down payment programs and minimums.
| Lender | Rate | APR | Max amount | Max term | Min down payment | Visit site |
|---|---|---|---|---|---|---|
| Rocket Mortgage | ~6.75% - 6.9% (recent state-level quotes, late Jul 2026) | ~7.0% - 7.2% (varies by state) | See lender | 30 years (15-year also available) | 3% conventional. 1% via Rocket's One+ program | Visit site |
| Chase | See chase.com for today's rate | See chase.com | See lender | 30 years (15-year also available) | 3% via DreaMaker program (income limits apply) | Visit site |
| Bank of America | See bankofamerica.com for today's rate | See bankofamerica.com | Up to $548,250 at 3% down (standard areas) | 30 years | 3% via Affordable Loan Solution® (income limits apply) | Visit site |
| Better.com | See better.com for today's rate | See better.com | See lender | 30 years | 3% conventional / 3.5% FHA | Visit site |
| US Bank | See usbank.com for today's rate | See usbank.com | See lender | 30 years | 3% conventional | Visit site |
| loanDepot | See loandepot.com for today's rate | See loandepot.com | See lender | 30 years | 10% - 20% conventional / 3.5% FHA | Visit site |
| Wells Fargo | See wellsfargo.com for today's rate | See wellsfargo.com | See lender | 30 years | 3% via Dream. Plan. Home.® (income ≤ 80% AMI). $10,000 Homebuyer Access® grant available | Visit site |
Why there's no single "rate" column with real numbers
Most major lenders (Chase, Bank of America, Better.com, US Bank, loanDepot, Wells Fargo) render their live rate tables with JavaScript that an automated check can't see. Even where a number shows up, it's usually a rate-and-point example for one specific scenario, not the rate you'll get. Rocket Mortgage was the one exception with dated, lender-published state-level examples, included above for reference. For everyone else, "see lender" is the honest answer. Go to the live rate page and run the numbers for your state, credit score, and loan type.
What's worth comparing here
- Low- and no-down-payment programs vary by lender and often carry income limits, such as Chase's DreaMaker, Bank of America's Affordable Loan Solution®, or Wells Fargo's Dream. Plan. Home.® These often matter more than a fraction of a percentage point on rate.
- Down payment assistance grants, like Wells Fargo's $10,000 Homebuyer Access® grant, don't show up in a rate comparison at all but are often worth more than a rate difference.
- FHA vs. conventional minimums differ by lender in how they get presented, even though FHA's 3.5% minimum is a federal program, not a lender-specific perk.
Nothing here recommends borrowing from a specific lender. None of these links are affiliate links. For the fundamentals of how a mortgage payment gets built from principal, rate, term, and down payment, see mortgage basics, or run your own numbers with our mortgage calculator.