Today's Freeman Douglas Pricing — the Column Every Bank Is Compared Against
$450,000 loan, 30-year fixed, primary residence, single-family, borrower-paid compensation, 0 points. Priced Sunday, November 1, 2026 at 1:22 PM ET. Payments are principal & interest only, recalculated from the amortization formula.
580 tier: 6.625% / 6.788% APR
580 tier: 6.625% / 7.519% APR
620 tier: 7.250% / 7.433% APR
Pick Your Bank
Every page below follows the same rules: the bank shown exactly as it publishes, with sources and dates; the Freeman Douglas side priced on the same scenario; and where a bank publishes nothing, the page says so in plain words — "No published rate available. What do they have to hide?"
VyStar Credit Union
Publishes no purchase mortgage rates at all. Its one published example is a specialty ARM for heroes-program borrowers — the page shows what that actually is.
See the full verified comparison →Chase
Conventional 30-year published at 6.875% / 7.086% APR — carrying 2.107 points, about $7,375 on Chase's own example. VA and FHA rates are not published.
See the full verified comparison →Navy Federal Credit Union
VA 30-year published at 6.250% / 6.674% APR — plus 0.375 points and a 1% origination fee. Membership required before any of it applies.
See the full verified comparison →Truist
One of the few that publishes all three: VA 6.625% / 7.023% APR, FHA 6.700% / 7.642% APR, conventional 7.100% / 7.290% APR — every one carrying points.
See the full verified comparison →Bank of America
Conventional 30-year posted at 7.375% / 7.631% APR in its rate reporting. VA and FHA rates are not published; its best pricing is deposit-gated.
See the full verified comparison →Wells Fargo
Published examples assume up to 0.50 discount points and post no APR. The page starts with the points assumption and works from there.
See the full verified comparison →Fifth Third Bank
Its own site shows no current rate example — the number only appears after a ZIP-tool session. The page shows what third-party trackers record instead, labeled as such.
See the full verified comparison →Pinnacle Bank
Publishes no mortgage rates and no branded mortgage programs — educational articles only. The comparison starts with that vacuum.
See the full verified comparison →Community First Credit Union of Florida
Jacksonville's own credit union publishes no VA or FHA rates. Its conventional table exists — the page explains what could and could not be verified from it.
See the full verified comparison →EverBank
Headquartered in Jacksonville, but its mortgage arm is mostly a servicer — its own site routes home-loan customers elsewhere. No retail rates published.
See the full verified comparison →Ameris Bank
Publishes no rates for VA, FHA or conventional. Its assistance programs are real — the page cites them, including where Ameris's own sources disagree on the grant amount.
See the full verified comparison →PNC Bank
No standing rate for any product — pricing runs through a one-borrower-at-a-time tool, and its jumbo relationship discount sits behind $500,000 in PNC balances.
See the full verified comparison →Regions Bank
Publishes no rates or fees. The public record fills the gap: Regions' 2025 borrowers paid a median 6.625% conventional rate with $4,521 in median loan costs.
See the full verified comparison →SouthState Bank
Describes its VA, FHA and fixed-rate products in detail — and prints no rate, APR, points or dated example for any of them. Aggregator figures for SouthState are simulated; the page doesn't use them.
See the full verified comparison →This Is How Veterans Win
A veteran doesn't win because a bank put a flag in an ad. A veteran wins when somebody puts the bank's rate, points, APR and lender fees on one side of the page and the same loan — priced across the market — on the other, before anything gets signed. Every dollar a veteran doesn't hand over in points and fees is a dollar that stays with their family. Publishing this comparison, on the record, every day, is how we truly help our military community: not with a slogan — with the numbers.
This Is How First-Time Buyers Win
A first-time buyer doesn't win because an ad said "3.5% down." A first-time buyer wins when somebody shows them the whole cost — rate, APR, points, mortgage insurance and lender fees — next to the same FHA loan priced across the market, before they sign. That's how we truly help our first-time homebuyer community: not with a headline — with the numbers, where everyone can check them.
How These Comparisons Are Built (Methodology)
Bank figures are taken from each bank's own published rate pages and disclosures, captured with the date shown on each page and linked to the original source. Where a bank publishes no figure, no figure is invented — the page carries the no-published-rate treatment instead. Freeman Douglas figures are that day's priced scenario: $450,000 loan, 30-year fixed, primary residence, single-family, borrower-paid compensation, 0 points; down payments VA 0%, FHA 3.5%, conventional 5%. Discount points are never lumped in with origination charges; each cost keeps its own label. Rates change daily — when the figures roll forward, the dates roll with them.
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