Non-Delegated Correspondent Lender · Direct-to-Consumer Online
We run a direct-to-consumer online model and contract out our origination, processing and support functions, so there are fewer layers between you and your loan. We price your scenario across 100+ investors, so your quote is built for you, not pulled from one rate sheet.
By submitting your information, you agree that Tag Lending Group, LLC (NMLS #2329372) and its licensed loan officers may contact you by phone call, text message and email, including with automated technology, at the number and email you provide, about your mortgage inquiry. Consent is not a condition of any loan or service. Message and data rates may apply; message frequency varies. Reply STOP to opt out.
Privacy PolicyBelow are today's national retail averages from Mortgage News Daily, for reference. They are not TAG pricing. The calculator uses the weekly Freddie Mac PMMS average as its starting point.
| Week of | 30-Yr Fixed | Change | 15-Yr Fixed | Change |
|---|---|---|---|---|
| 2026-10-29 | 7.24% | -0.08% | 6.60% | -0.08% |
| 2026-10-22 | 7.32% | -0.08% | 6.68% | -0.03% |
| 2026-10-15 | 7.40% | +0.00% | 6.71% | -0.02% |
| 2026-10-08 | 7.40% | +0.12% | 6.73% | +0.13% |
| 2026-10-01 | 7.28% | +0.25% | 6.60% | +0.18% |
| 2026-09-24 | 7.03% | +0.08% | 6.42% | +0.16% |
| 2026-09-17 | 6.95% | +0.19% | 6.26% | +0.17% |
| 2026-09-10 | 6.76% | +0.05% | 6.09% | +0.05% |
| 2026-09-03 | 6.71% | +0.05% | 6.04% | +0.06% |
| 2026-08-27 | 6.66% | +0.01% | 5.98% | +0.03% |
| 2026-08-20 | 6.65% | -0.02% | 5.95% | -0.01% |
| 2026-08-13 | 6.67% | -0.02% | 5.96% | -0.05% |
| 2026-08-06 | 6.69% | +0.03% | 6.01% | -0.03% |
| 2026-07-30 | 6.66% | +0.08% | 6.04% | +0.08% |
| 2026-07-23 | 6.58% | +0.03% | 5.96% | +0.03% |
| 2026-07-16 | 6.55% | +0.06% | 5.93% | +0.11% |
| 2026-07-09 | 6.49% | +0.06% | 5.82% | +0.03% |
| 2026-07-02 | 6.43% | -0.06% | 5.79% | -0.05% |
| 2026-06-25 | 6.49% | +0.02% | 5.84% | +0.03% |
| 2026-06-18 | 6.47% | -0.05% | 5.81% | -0.03% |
| 2026-06-11 | 6.52% | +0.04% | 5.84% | +0.05% |
| 2026-06-04 | 6.48% | -0.05% | 5.79% | -0.08% |
| 2026-05-28 | 6.53% | +0.02% | 5.87% | +0.02% |
| 2026-05-21 | 6.51% | +0.15% | 5.85% | +0.14% |
| 2026-05-14 | 6.36% | -0.01% | 5.71% | -0.01% |
| 2026-05-07 | 6.37% | +0.07% | 5.72% | +0.08% |
Weekly national averages from the Freddie Mac Primary Mortgage Market Survey® (conventional, conforming, fully amortizing purchase loans, 20% down, excellent credit), retrieved from FRED, Federal Reserve Bank of St. Louis. Not TAG pricing and not a rate quote.
Rates, APR and payments shown are hypothetical examples, not an offer to lend or a rate lock, and are subject to credit approval.
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| Product | Term | Interest rate | Annual Percentage Rate (APR) | Points / lender credit | FICO | LTV | Scenario | As of |
|---|---|---|---|---|---|---|---|---|
| Conventional | 30-yr fixed | 0% | 0% | 0 pts | SAMPLE - Angela replace with TAG pricing | – | ||
| Conventional | 15-yr fixed | 0% | 0% | 0 pts | SAMPLE - Angela replace with TAG pricing | – | ||
| FHA | 30-yr fixed | 0% | 0% | 0 pts | SAMPLE - Angela replace with TAG pricing | – | ||
| VA | 30-yr fixed | 0% | 0% | 0 pts | SAMPLE - Angela replace with TAG pricing | – | ||
| Jumbo | 30-yr fixed | 0% | 0% | 0 pts | SAMPLE - Angela replace with TAG pricing | – | ||
| DSCR | 30-yr fixed | 0% | 0% | 0 pts | SAMPLE - Angela replace with TAG pricing | – | ||
| USDA | 30-yr fixed | 0% | 0% | 0 pts | SAMPLE - Angela replace with TAG pricing | – |
Each rate assumes the scenario shown (FICO, LTV, loan amount, state), a 1% Origination Fee and a 30-day lock. Your rate and APR will differ. Origination plus discount points never exceed 3 points. †Lender credits apply only where Tag Lending Group acts as the lender. Rates older than 7 days are not shown.
Pick your loan and compare all three side by side. Every number is editable.
Rates, APR and payments shown are hypothetical examples, not an offer to lend or a rate lock, and are subject to credit approval.
Estimated third-party closing costs–
Estimate only, set by credit tier (range 3% to 5% of purchase price). Covers title, appraisal, recording, prepaids and similar. Applied equally to all three examples.Loan amount: –
Retail starting rate with discount points.
Estimated cash to close (estimate)–
Illustrative example, not any specific broker's quote.
Estimated cash to close (estimate)–
Wholesale pricing with a flat origination fee.
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Contact us for current pricing
A loan officer will price your scenario directly.
Get My Actual QuoteEstimated cash to close (estimate)–
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Origination plus discount points never exceed 3 points. Lender credits apply only where Tag Lending Group acts as the lender and cannot exceed closing costs.
*Due at closing = lender/broker fees and points plus estimated closing costs, minus any lender credit. Excludes down payment. Estimated cash to close = down payment + upfront fees + estimated closing costs − lender credit (TAG, lender states only); it is an estimate, not a Loan Estimate. 5-year cost and all savings figures = due at closing plus 60 monthly payments; down payment excluded.
By submitting your information, you agree that Tag Lending Group, LLC (NMLS #2329372) and its licensed loan officers may contact you by phone call, text message and email, including with automated technology, at the number and email you provide, about your mortgage inquiry. Consent is not a condition of any loan or service. Message and data rates may apply; message frequency varies. Reply STOP to opt out.
Privacy PolicyIllustrative only. –
This is not a rate quote, loan offer, rate lock or commitment to lend, and approval is not guaranteed. For Conventional 30- and 15-year fixed, the retail starting rate is the Freddie Mac PMMS weekly national average for the survey week shown, displayed unaltered; it is not TAG pricing. For USDA, the starting point is the Freddie Mac PMMS conventional national average, which is not a USDA rate and can be edited. For FHA, VA, Jumbo and DSCR, the starting rate is the scenario rate you enter. The retail lender, mortgage broker and TAG figures are hypothetical examples built from editable spread and pricing assumptions, not quotes from any specific company, and fees and rates vary by company. Discount-point rate reductions and credit/LTV pricing adjustments are estimates; actual pricing varies by investor and scenario. Estimated third-party closing costs are a percentage of the purchase price set by credit tier (3% to 5%), not a Loan Estimate. The broker fee example is limited to a 2.75% maximum. FHA upfront MIP, the VA funding fee and the USDA upfront guarantee fee are shown financed into the loan; FHA monthly MIP and the USDA annual fee are included in the payment. Payments show principal and interest (plus FHA monthly MIP or the USDA annual fee where applicable); taxes, insurance, HOA dues and conventional mortgage insurance are not included and will increase the payment. APR includes the fees and points shown, less any lender credit, plus estimated other finance charges. Origination fee plus discount points are limited to 3 points. Lender credits apply only where Tag Lending Group acts as the lender and cannot exceed closing costs. On a Loan Estimate, TAG's fee appears under Origination Charges.
About the Freddie Mac starting rate: The Freddie Mac Primary Mortgage Market Survey (PMMS) is a weekly national average for conventional, conforming, fully amortizing home purchase loans for borrowers who put 20% down and have excellent credit. This calculator applies it to a primary residence purchase. Second homes, investment properties, lower credit scores, smaller down payments, other loan programs and other states can price differently. It is not TAG pricing and not a rate quote.
Source: Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States [MORTGAGE30US] and 15-Year Fixed Rate Mortgage Average in the United States [MORTGAGE15US], Primary Mortgage Market Survey®, retrieved from FRED, Federal Reserve Bank of St. Louis. This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
Tag Lending Group, LLC · NMLS #2329372 · nmlsconsumeraccess.org. Mortgage broker only, not a mortgage lender or correspondent lender, in CT, NJ and PA. Averages shown are not TAG pricing.
State licenses: FL Mortgage Lender MLD2311 & Mortgage Broker MBR5234 · Georgia Residential Mortgage Licensee #2329372 · MI FL0026353 · OH RM.805580.000 · PA 105468 · CT MB-2329372 · TN 2329372 · NJ, NM, SC and TX licensed under NMLS #2329372. Licensed by the N.J. Department of Banking and Insurance. Mortgage broker only, not a mortgage lender or correspondent lender, in CT, NJ and PA. Verify our licenses at NMLS Consumer Access. Equal Housing Opportunity.
Helps: Higher scores unlock better pricing tiers.
Hurts: Recent lates or high card balances.
Helps: More equity lowers lender risk.
Hurts: Higher LTV can add cost and mortgage insurance.
Helps: Primary residence prices best.
Hurts: Second homes and investment properties price higher.
Helps: Matching the right program to your profile.
Hurts: Forcing a scenario into the wrong product.
Helps: Shorter locks when closing is near.
Hurts: Longer locks carry a cost.
Helps: Points buy the rate down if you'll keep the loan.
Hurts: Taking credits raises the rate.
Helps: Single-family homes price cleanest.
Hurts: Condos, 2–4 units and non-warrantable projects can add adjustments.
Share a few details and a licensed loan officer will price your file across our investor network.
Book a ConsultationBy submitting your information, you agree that Tag Lending Group, LLC (NMLS #2329372) and its licensed loan officers may contact you by phone call, text message and email, including with automated technology, at the number and email you provide, about your mortgage inquiry. Consent is not a condition of any loan or service. Message and data rates may apply; message frequency varies. Reply STOP to opt out.
Privacy PolicyQualify on the property's rent, not your tax returns. Purchase or cash-out.
Explore →Programs that let investors close in their entity.
Explore →Financing for non-U.S. buyers. No U.S. credit score required.
Explore →Higher loan amounts and condo projects, including South Florida high-rises.
Explore →Self-employed? Qualify with bank deposits instead of tax returns.
Explore →Short-term financing for value-add projects.
Explore →Build-to-own financing structured around your draw schedule.
Explore →Market moves, program updates and buying tips, every week.
The Mortgage News Daily table and the Freddie Mac PMMS figures are national retail averages, not TAG pricing. The TAG Published Rates table shows TAG's own rate sheet for the specific scenario listed on each row, with its as-of date. Your actual rate depends on your credit, down payment, property, program and lock period. Request a quote for real pricing.
TAG originates your loan and prices it across 100+ investors. In a non-delegated model, the investor that buys the loan completes final underwriting. A retail lender prices off its own single rate sheet.
Compare the total, not one line. Look at the rate, the APR and the dollar amount under Origination Charges on each Loan Estimate.
Lenders and investors need returns that outpace inflation, so rising inflation tends to push mortgage rates higher.
Strong GDP and employment raise borrowing demand, which tends to push rates up. A slowing economy usually does the opposite.
The Fed sets short-term rates and influences the money supply. Mortgage rates track the bond market, which reacts to Fed policy and expectations.
Housing supply and demand shift mortgage demand. Weaker demand can ease rates; stronger demand can push them higher.
By submitting your information, you agree that Tag Lending Group, LLC (NMLS #2329372) and its licensed loan officers may contact you by phone call, text message and email, including with automated technology, at the number and email you provide, about your mortgage inquiry. Consent is not a condition of any loan or service. Message and data rates may apply; message frequency varies. Reply STOP to opt out.
Privacy PolicyTag Lending Group, LLC · NMLS #2329372 · nmlsconsumeraccess.org. Mortgage broker only, not a mortgage lender or correspondent lender, in CT, NJ and PA. Averages shown are not TAG pricing. Equal Housing Lender.