Start with ZIP code, credit score, down payment and property profile. MFA then shows direct published bank and credit-union rates with their assumptions, plus the broader live lender market so you can see both the names and the context.
Compare points, fees, seller credits, cash to close and your expected holding period.
ZIP localizes the market. Credit score, down payment, property type and occupancy let MFA compare your scenario with each lender's published assumptions instead of showing a generic national number.
Advertised rates are indicative, not binding offers. Actual pricing depends on credit, LTV, property and underwriting.
These are direct published rates from named lenders. MFA shows the assumptions behind each one and flags where your ZIP, FICO, down payment or property scenario differs. They are not personalized offers.
DCU
Credit union · direct source
Est. P&I / mo
$2,797
Principal + interest
Points cost
$0
0.000 points
Known lender fee
—
Excludes third-party costs
Rate / APR
7.500%
7.622% APR
DCU membership eligibility applies by family, employer, organization or qualifying community.
Published: Current published rate
U.S. Bank
Bank · direct source
Est. P&I / mo
$2,561
Principal + interest
Points cost
$0
0.000 points
Known lender fee
—
Excludes third-party costs
Rate / APR
6.625%
6.794% APR
Published at 25% down
Published conforming example; actual pricing varies by borrower and property.
Published: Current published example
Chase
Bank · direct source
Est. P&I / mo
$2,628
Principal + interest
Points cost
$8,144
2.036 points
Known lender fee
—
Excludes third-party costs
Rate / APR
6.875%
7.079% APR
2.036 points published
Chase publishes a location-specific example; open the source to reprice for your exact ZIP.
Published: 4:22 PM ET, October 29th, 2026
Navy Federal Credit Union
Credit union · direct source
Est. P&I / mo
$2,594
Principal + interest
Points cost
$2,000
0.500 points
Known lender fee
—
Excludes third-party costs
Rate / APR
6.750%
6.898% APR
Published at 780 FICO · Published at 25% down · 0.500 points published
Membership eligibility applies.
Published: Oct 30, 2026
Some direct lender sources could not refresh this time. Available lender rows and market data are still shown.
30-Year Fixed
7.240%
Freddie Mac PMMS · 2026-10-29
−0.080% vs prior week (7.320%)
15-Year Fixed
6.600%
Freddie Mac PMMS · 2026-10-29
−0.080% vs prior week (6.680%)
10-Yr Treasury
5.050%
FRED · DGS10 · 2026-10-28
Mortgage – Treasury spread
2.190%
30-yr fixed minus 10-yr Treasury
A wider spread means mortgage pricing hasn't caught up to bonds; a narrow spread is common when lenders expect rates to rise.
MFA benchmark distribution
This modeled chart is a secondary benchmark centered on the national average. Use the live lender-market search above for observed lender percentiles and coverage. Your actual quote still depends on credit, points, loan type, property and lender pricing.
Green bar = band containing the Freddie Mac national average (7.240%). Modeled at Oct 30, 12:52 AM.
Real-time loan estimates
Recent loan-estimate posts from the public r/MortgageBrokerRates community. These are real user-submitted quotes, not offers. Rates depend on your unique situation.
The community feed could not load. You can still compare direct lender rates above or enter your own Loan Estimates.
MFA parses rate, loan amount, points and term from post titles and body text. Parsing can miss or misread fields — always open the thread and verify against the original Loan Estimate.
A rate is only useful once it's inside a payment, a cash-to-close number, or a rent-vs-buy comparison. These MFA calculators take the rate above and turn it into a decision.
Model a mortgage payment, add principal prepayments, and compare two lender quotes side by side including discount points, seller credits, cash to close, break-even timing, and financing cost over your expected holding period.
Run calculatorEstimate a home-price range based on income, debts, down payment, mortgage rate, property taxes, insurance, HOA dues, and the DTI scenario you select.
Run calculatorEstimate buyer closing costs and total cash needed at closing using transparent, editable planning assumptions.
Run calculatorCompare renting vs buying through decision-linked wealth, including equity, appreciation, maintenance, transaction costs, and invested cash.
Run calculatorCompare your current mortgage with a refinance scenario, including monthly payment, break-even timing, and modeled lifetime interest.
Run calculatorSee how extra monthly payments or a lump sum could reduce modeled interest and shorten your mortgage payoff timeline.
Run calculatorSources: Direct published lender pages for named bank and credit-union examples; live lender-market percentiles and coverage via LoanGlass's public mortgage-rates MCP service; Freddie Mac PMMS via FRED; and the 10-Year Treasury via FRED DGS10.
Live vs modeled: Direct lender examples and LoanGlass observations are shown first. MFA's modeled histogram appears only when a live lender-market distribution is unavailable.
Not advice: MFA is educational. National averages and community quotes are context, not an offer or a rate you will receive. Your rate depends on credit, down payment, loan type, points, property, lender pricing and underwriting. Use MFA's mortgage calculators with a real lender quote before deciding.