Tomo Mortgage logo

Who has the best mortgage rates?

Bar chart showing 3 data points from NaN% to NaN%. Use Tab to navigate between bars, and Enter to select a bar.

Updating results

See lenders that match your loan details

%
For a 30-year fixed, conventional loan

TrueRate’s low rate range

Updating

Lenders likely to have low rates

TrueRate’s list is based on real rates given to home buyers over the last three years.

LenderLender fees
Customer reviews

Insights

Negotiate everything—rates, fees, and terms are not set in stone.

Portrait of George Robinson, TrueRate Data ScientistGeorge Robinson TrueRate Data Scientist

TrueRate’s high rate range

Updating

Lenders likely to have high rates

Lenders on TrueRate’s list historically gave customers rates that are higher than average. Don’t let this happen to you.

LenderLender fees
Customer reviews

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.

Portrait of George Robinson, TrueRate Data ScientistGeorge Robinson TrueRate Data Scientist

TrueRate’s average rate range

Updating

Lenders likely to have average rates

You deserve better than what these lenders historically provide.


Don’t let lenders pull a fast one on you

Learn how really low rates often come with hidden fees. Drag the slider to see how rates and fees are connected.

$00 pts

Insights

TrueRate compares lenders based on their 0 points or par rate. You should use this rate when comparing lenders.
Portrait of James McTernan, Tomo Mortgage Loan AdvisorInsights by James McTernan Tomo Mortgage Loan Advisor - NMLS #337556

TrueRate report

See how mortgage companies got home buyers to over-pay by billions.

Get the report

Methodology

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.