Who has low mortgage rates?
A good rate for a primary, single-family home in for , and credit score is:
Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson Chief Data ScientistLenders with low rates
It’s hard to find a lender in the good rate range—we’ve analyzed 442 lenders and found 5 likely to get you a good deal.
| Lender | Lender fees | Customer summary |
|---|---|---|
 Axos Bank | No lender feesLender fees: No lender feesPoor service | Poor service |
 Tomo Mortgage, Llc | No lender feesLender fees: No lender feesCompetitive rates | Competitive rates |
 American Internet Mortgage, In | $995Lender fees: $995 lender feesEfficient processes | Efficient processes |
 Pentagon Federal Credit Union | $995Lender fees: $995 lender feesFast and efficient process | Fast and efficient process |
 Sound Credit Union | $1,050Lender fees: $1,050 lender feesPoor customer service | Poor customer service |
Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson Chief Data ScientistLenders likely to have high rates
We dont accept advertising, so TrueRate can give the real lender story. We looked at 442 lenders and these 6 are likely to offer you a high rate.
| Lender | Lender fees | Summary |
|---|---|---|
 Directors Mortgage, Inc. | High rates$1,790Lender fees: $1,790 lender fees | High rates |
 Panorama Mortgage Group, Llc | High rates$1,740Lender fees: $1,740 lender fees | High rates |
 Mortgage Solutions Of Colorado | High rates$1,565Lender fees: $1,565 lender fees | High rates |
 Total Mortgage Services, Llc | High rates$1,490Lender fees: $1,490 lender fees | High rates |
 American Financial Network, In | High rates$1,295Lender fees: $1,295 lender fees | High rates |
 First Continental Mortgage, Lt | High rates$0-$1,950Lender fees: $0-$1,950 lender fees | High rates |
Insights
Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.
George Robinson Chief Data ScientistMethodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Get a personalized rate quote from Tomo Mortgage
Unlike other lenders who require you to speak with a loan officer first before giving you a detailed quote, Tomo Mortgage believes in transparent rates.