Live wholesale pricing
Other lenders hide their rates. Ours are right here.
Our guess: hidden pricing is high pricing. These are the wholesale rates we actually quote from, refreshed with every pricing update, because rates this sharp are pointless if nobody gets to see them. No sales pitch, no phone call, no hard credit pull.
- 40+ wholesale lenders
- $0 processing or underwriting fees
- No hard credit pull
- 30-day commitment
- NMLS #2752340
Today's rates
Liveas of October 30, 2026 09:24 AM · 30-day commitment
Par rate and APR on the sample scenario (AZ). Your actual rate depends on FICO, LTV, occupancy, and county. Price your own scenario below.
The pricing engine
Run your exact scenario.
The same engine our loan worksheets are built from. Fill it out and get the rate, points, and monthly we'd put in front of a client today.
Build your scenario
Fill it out, then hit Search for your wholesale pricing.
Your rates will appear here
Fill in your scenario above, then hit Search rates to pull live wholesale pricing from our 40+ lender panel.
Some lenders do publish their rates.
We pull them daily, points and APR included, and link every card to its source, so you can see for yourself, and see the HomePilot difference firsthand.
HomePilot
6.75%
6.812% APR
Points: 0.442 ($1,945)
$0 processing · $0 underwriting
Get my exact rateLive engine quote, sample scenario (AZ). Beat us with an eligible offer and our guarantee pays you $500 (terms apply).
National average
7.27%
Mortgage News Daily index
≈ $154/mo more than our cardP&I example on $440,000
At this rate, our pricing would return about $5,610 in lender credits.
Published Oct 30 · source
Rate.com
6.875%
7.10% APR
Points: 1.495 ($5,233)
Standard $1,290 lender fee covering origination, processing, and underwriting.
Their sample: Cook County, IL, per page footnote.
As advertised Oct 27 · their site
Tomo Mortgage
7.25%
7.25% APR
0 points
Advertises $0 lender fees.
Their sample: Austin, TX, $500,000 price, 20% down; $0-point default quote.
As advertised Oct 27 · their site
Mutual of Omaha Mortgage
7.375%
7.444% APR
Points: 2.000 ($6,500)
Average origination charges about $5,618, per 2024 federal data.
Quote includes two points ($6,500 on their $325,000 sample), per their own disclosure. Their page last updated October 26, 2026.
As advertised Oct 30 · their site
Zillow Home Loans
7.375%
7.563% APR
Points: 1.831 ($5,035)
Average origination charges about $4,039, per 2024 federal data.
As advertised Oct 30 · their site
Rocket Mortgage
7.25%
7.564% APR
Points: 2.000 ($7,000)
Median origination charges about $2,968 on purchases, per 2024 federal data.
Their sample loan: $350,000.
As advertised Oct 27 · their site
New American Funding
7.50%
7.599% APR
Points: 1.000 ($8,065)
Average origination charges about $4,321, per 2024 federal data.
Their sample loan: $806,500.
As advertised Oct 30 · their site
Bank of America
7.375%
7.621% APR
Points: 0.890
No origination fee, but about $1,345 in fixed processing fees, per lender filing data.
Assumes excellent credit, per their page.
As advertised Oct 27 · their site
How to read this wall
Competitor numbers are each lender's own advertised headline offer, captured from the linked page on the date shown. Their sample scenarios differ from ours and from each other (loan sizes, credit tiers, and locations vary by lender; one lender's sample loan is $806,500, another's quote includes two points per its own fine print), so the honest comparison is rate, points, and APR together, which is exactly what the cards show. Most of these lenders can also charge origination, processing, and underwriting fees on top of the advertised numbers; their APRs absorb those fees when charged, and ours carries no processing or underwriting fees to absorb. The national average is the Mortgage News Daily daily index, whose methodology reflects a top-tier scenario. Our card is a live wholesale engine quote for the same sample scenario as the board above; APR includes points and fees, and we charge no processing or underwriting fees on any loan. Lender-fee figures on the cards come from each lender's own published fee schedule or from 2024 federal HMDA filing data, checked August 2026; individual loans vary. None of these figures is an offer of credit; every scenario prices individually, and rates move daily. If anything here is out of date, it gets corrected the day we see it. And if another lender beats us on your actual file, our published Best Price Guarantee pays you $500 (terms apply).
What you won't pay
No processing or underwriting fees. Not a promotion, the model.
$0
Processing
$0
Underwriting
Zero-point rate options on every scenario. Third-party costs (appraisal, title, prepaids) still apply; those go to the people doing that work, not to us.