Compare30-year Fixed Rates

Same loan, same assumptions, side by side. Rate and APR shown together.

As of Oct 23, 2026, Loaning.ai's 30-year fixed rate for the scenario below was 6.500% (6.607% APR).
Updated once daily (manually) · Rates as of Oct 23, 2026

Loaning.ai
NMLS #
2357195
Rate
6.500%
APR
6.607%
Monthly payment (P&I)
$4,424.00
Points
$5,250.00(0.75%)
Chase
NMLS #
399798
Rate
6.625%
APR
6.830%
Monthly payment (P&I)
$4,482.00
Points
$14,000.00(2.00%)
Rocket Mortgage
NMLS #
3030
Rate
6.750%
APR
6.885%
Monthly payment (P&I)
$4,540.00
Points
$6,384.00(0.91%)
SoFi
NMLS #
1121636
Rate
6.750%
APR
6.990%
Monthly payment (P&I)
$4,540.00
Points
$13,657.00(1.95%)
Wells Fargo
NMLS #
399801
Rate
7.000%
APR
7.167%
Monthly payment (P&I)
$4,657.00
Points
$7,000.00(1.00%)

Company	NMLS #	Rate	APR	Monthly payment (P&I)	Points
Loaning.ai	2357195	6.500%	6.607%	$4,424.00	$5,250.00(0.75%)
Chase	399798	6.625%	6.830%	$4,482.00	$14,000.00(2.00%)
Rocket Mortgage	3030	6.750%	6.885%	$4,540.00	$6,384.00(0.91%)
SoFi	1121636	6.750%	6.990%	$4,540.00	$13,657.00(1.95%)
Wells Fargo	399801	7.000%	7.167%	$4,657.00	$7,000.00(1.00%)

Scenario: Purchase · 30-yr fixed · $700,000 loan · 30% down (70% LTV) · 740+ credit · Single-family, primary · Orange County, CA · 30-day lock. Points are shown as a dollar amount and as a percent of the loan. Monthly payment is principal and interest only, calculated from each lender's rate; it excludes taxes, insurance and escrow. APR is as published or quoted by each lender.

About this comparison

Lenders shown were selected by Loaning.ai for comparison. This is not a complete survey of the market, and other lenders may offer lower rates. Other lenders' rates are taken from their public websites and collected manually once a day for the scenario above. They may not include all fees and may differ for you. Loaning.ai is not affiliated with or endorsed by the lenders shown. Rates are not an offer until locked. Your rate depends on your credit, loan amount, property and other factors.

Between Loaning.ai and Wells Fargo The interest rate differential is 0.500%

The difference may seem small, but be sure to compare rates!

Estimated difference over 30 years

$83,880

Estimated difference in monthly payment

$233.00

Estimates for this scenario only, principal and interest, based on the rates shown above as of Oct 23, 2026. Lenders' quotes use different credit-score and fee assumptions (see Sources). Rates and payments are not an offer.

30-Year FixedRate Trend

Daily rates recorded for the same scenario.

Last updated Oct 23, 2026.

Sources and Assumptions

Loaning.ai
Source: www.loaning.ai
Credit score
740
Processing fee
$1,295
Underwriting fee
$1,150
First-time home buyer
No
Wells Fargo
Source: wellsfargo.com/mortgage/rates
Credit score
760
Location
Irvine, CA
Property type
Single family
Occupancy
Primary residence
Rocket Mortgage
Source: rocketmortgage.com
Credit score
740
Origination flat fee
$1,295
Origination percentage
1%
Total compensation
$8,295
Chase
Source: chase.com mortgage calculator
Credit score
740
Location
Irvine, CA
Property type
Single family
Occupancy
Primary residence
SoFi
Source: sofi.com
Credit score
740
Location
Irvine, CA
Property type
Single family
Occupancy
Primary residence

Legal Disclosures

The rates shown here are calculated under the following conditions: 30-year fixed, level payment, U.S. citizen, tax report of 2 years or more, full-documentation, single family, purchase, primary residence, credit score (FICO) 740, DTI 45% and LTV 70%. Credit scores, fees and options differ by lender as listed under Sources. Your actual rate, payment, and costs could differ based on your full financial picture. This is NOT a mortgage loan approval or commitment to lend.