Fed Funds: 5.33%30Y FRM: 6.84%10Y Treasury: 4.42%Avg CC APR: 21.47%SOFR: 5.31%Prime Rate: 8.50%BTC: —
Fed Funds: 5.33%30Y FRM: 6.84%10Y Treasury: 4.42%Avg CC APR: 21.47%SOFR: 5.31%Prime Rate: 8.50%BTC: —
Jumbo Eligible

Ally Home — 30-Year Fixed Review

Ally Home offers 30-Year Fixed at 6.94% APR (6.88% interest rate) as of June 2026, with 3% minimum down and a 620+ credit floor.

APR
6.94%
Visit lender →
APR
6.94%
Interest rate
6.88%
Points
0
Min down
3%
Min credit
620
Product
30-Year Fixed

Overview

Ally Home's 30-Year Fixed is benchmarked against the Federal Reserve FRED MORTGAGE30US series. Today's quoted APR is 6.94%, with a 6.88% note rate.

The APR figure includes lender fees and points (currently 0), giving you the closest apples-to-apples comparison across lenders. Always confirm your specific quote — final pricing depends on credit score, loan-to-value, and property type.

Compare Ally Home against the alternates below to see how it stacks up for June 2026.

Pros

  • +6.94% APR is competitive for the current rate environment
  • +Down payment as low as 3%
  • +Transparent point disclosure

Cons

  • −Requires 620+ FICO
  • −Rate is subject to market changes
  • −Rate locks expire — quote shop within a short window

How it compares

Better.com — 30-Year Fixed
APR
6.75%
NBKC Bank — 30-Year Fixed
APR
6.61%
Bethpage FCU — 15-Year Fixed
APR
5.99%

How we review

We review mortgages using verified rate data and lender disclosures. Rankings prioritize rate, fees, terms, and institutional safety — not affiliate payout. Read the full methodology.