Live Wholesale Rates
Today's Mortgage Rates from OnPoint
Wholesale rates priced from a network of 20+ lenders, refreshed daily. No teaser rates, no bait-and-switch — what you see is what you can lock with a 24-hour pre-approval.
Rates last updated May 29, 2026
Featured Rates Today
- 30-Yr Conventional5.75%
- 30-Yr FHA5.25%
- 30-Yr VA5.25%
- 30-Yr Jumbo5.75%
- Non-QM (DSCR)5.875%
- HELOC / Home Equity6.75%
Purchase Rates
Refinance Rates (Rate & Term, Cash-Out)
Zero-Point Refinance (No Lender Points)
OnPoint vs. National Average
Our wholesale pricing typically runs 0.5%-1.0% below the retail averages your bank shows. On a $400,000 loan, that's roughly $120-$240/month in real savings.
| Loan Type | National Avg | OnPoint Rate | OnPoint APR | You Save |
|---|---|---|---|---|
| 30-Yr Conventional | 6.67% | 5.75% | 5.9% | -0.80% |
| 30-Yr FHA | 6.22% | 5.25% | 6.1% | -0.73% |
| 30-Yr VA | 6.24% | 5.25% | 5.6% | -0.87% |
| 30-Yr Jumbo | 6.75% | 5.75% | 5.9% | -0.76% |
Estimate Your Monthly Payment
Principal & Interest only. For full PITI (taxes/insurance/HOA), use the full calculator.
What Changes Your Specific Rate
Credit Score
Each 20-point band changes pricing. 740+ gets the best tier; 620-679 adds 0.25-0.5%.
Loan-to-Value
Lower LTV = lower rate. Above 80% adds PMI; above 90% adds another tier.
Occupancy
Primary residence: best rate. Second home: +0.25%. Investment: +0.75%.
Rate Lock Period
15-day lock cheaper than 60-day. We typically recommend 30-45 days post-offer.
Debt-to-Income
Under 36% DTI = best pricing. 43%+ may push you to Non-QM with different pricing.
Points / No-Points
Pay 1 point upfront = ~0.25% lower rate. Lender credit = higher rate but zero out-of-pocket.
Loan Amount
Loans under $100K or jumbo (over $806K conforming) have different pricing tiers.
Property Type
Single family = best. Condos can add 0.25-0.5%. Manufactured homes have limited lenders.
Why Our Rates Are Lower Than Your Bank's
Banks have one set of products and one rate sheet. We're a wholesale broker with access to 20+ lenders' wholesale pricing — the same pricing big banks pay their loan-officer divisions.
- 20+ wholesale lenders competing for your file daily
- Same wholesale rates retail banks markup to "their" rate
- No big-bank marketing budget baked into your rate
- We get paid by the lender, not by inflating your rate
- We tell you when refinancing is NOT worth it
Rate Questions, Answered Honestly
Are these rates real, or "teaser" rates?
These are real rates priced for the assumed scenario (740 FICO, 70% LTV, primary residence, 30-year fixed). They're updated daily from our wholesale lender network. Your specific rate depends on YOUR file, but these are an honest starting point — not bait-and-switch teasers.
Can I lock today's rate?
Yes. Once you're pre-approved and have a property under contract (or an existing home for a refinance), we can lock today's rate for 15, 30, 45, or 60 days. Lock fees vary by length; most refis lock at 30 days, most purchases at 45.
How often do rates change?
Daily, sometimes multiple times intraday during volatile markets. The rates above reflect this morning's wholesale pricing. Major changes happen around Fed meetings, jobs reports, and inflation data releases.
What credit score do these rates require?
The displayed rates assume 740+ FICO. Below that, expect roughly +0.125% per 20-point drop until ~620. FHA can go to 580. Below 580 we typically work in Non-QM programs with different pricing.
Are these "no-point" or "with points" rates?
The main rate cards above are at "par" pricing — zero discount points, zero lender credit. The Zero-Point Refinance section is specifically par-priced rate-and-term refinances. Pay 1 point upfront and the rate typically drops about 0.25%; take a lender credit (no out-of-pocket) and it rises about 0.25%.
How do you compare to my bank's rate?
Send us your bank's Loan Estimate (free, no obligation). We'll model the same loan side-by-side and show you the rate, monthly payment, and total interest difference in dollars. On most files we beat retail bank quotes by 0.25%-0.75%.
Do these rates apply in all 9 states you're licensed in?
Yes, with minor state-specific adjustments. We're licensed in CA, CO, FL, ID, MD, NH, SC, TX, and VA. Some states have small loan-amount surcharges or tax-treatment differences, but the wholesale rate structure is the same.
What's the difference between rate and APR?
Rate is what your monthly P&I payment is based on. APR includes the rate PLUS the closing costs spread over the life of the loan. APR is always slightly higher than rate. Compare APR-to-APR across lenders to see true total cost.
Lock Your Rate or Get a Same-Day Quote
Pre-approval in 24 hours. We'll run your file across 20+ wholesale lenders and show you the lowest rate you actually qualify for — not a teaser. Free, no credit pull at the first call, no obligation.
☎ (877) 870-0007Mon-Fri 8am-7pm PT · Sat 9am-3pm PT · Licensed in 9 states · NMLS #2134550
Terms & Conditions: Rates shown are based on a 740 FICO score, 70% loan-to-value, single-family primary residence, 30-year fixed unless otherwise stated. Your actual rate depends on credit profile, debt-to-income, property type, occupancy, loan amount, and current market conditions at lock time. APR includes estimated closing costs and is for comparison purposes. Rates change daily and are not guaranteed until locked. Subject to credit approval. OnPoint Mortgage Pro is a licensed mortgage broker; NMLS #2134550. Equal Housing Lender. Last updated: May 29, 2026.