Who has the best mortgage rates?
analyzed 60 lenders from across the country to show you what's a good rate range—and what's a ripoff.
Rates updated Jun 20, 2025
analyzed 60 lenders from across the country to show you what's a good rate range—and what's a ripoff.
See lenders that match your loan details (assuming a 30-year fixed, conventional loan)
TrueRate’s low rate range
Lenders likely to have low rates
TrueRate’s list is based on real rates given to home buyers over the last three years.
| Lender | Lender fees | ||
|---|---|---|---|
 | No lender feesHighly rated | Highly rated | |
 | $995Mixed reviews | Mixed reviews | |
 | $995Average | Average | |
 | $1050Below average | Below average |
Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson TrueRate Data ScientistTrueRate’s high rate range
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.
| Lender | Lender fees | ||
|---|---|---|---|
 | $1790Above average | Above average | |
 | $1740Limited reviews | Limited reviews | |
 | $1565Mixed reviews | Mixed 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.
George Robinson TrueRate Data ScientistTrueRate’s average rate range
Lenders likely to have average rates
You deserve better than what these 53 lenders historically provide.
- 1st Security Bank Of Washingto
- American Pacific Mortgage Corp
- Ark-La-Tex Financial Services
- Bank Of England
- Bell Bank
- Calcon Mutual Mortgage LLC
- Cmg Mortgage Inc.
- Crosscountry Mortgage, LLC
- Das Acquisition Company, LLC
- Diamond Residential Mtg Corp
- Envoy Mortgage, Ltd
- Evergreen Moneysource Mortgage
- Fairway Independent Mort Corp
- First Interstate Bank
- Gateway First Bank
- Gold Star Mortgage Financial G
- Golden Empire Mortgage, Inc.
- Guaranteed Rate Affinity, LLC
- Guaranteed Rate, Inc.
- Highlands Residential Mortgage
- Homeowners Financial Group, Ll
- Homeside Financial, LLC
- Homestreet Bank
- Huntington National Bank
- Idaho Central Credit Union
- Ixonia Bank
- Leaderone Financial Corp.
- Loan Simple, Inc.
- Mason-Mcduffie Mortgage Corpor
- Mutual Of Omaha Mortgage
- Nations Lending Corporation
- Nfm, Inc.
- Northpointe Bank
- On Q Financial, Inc.
- Opportunity Bank Of Montana
- Pacific Residential Mortgage,
- Penrith Home Loans LLC
- Planet Home Lending, LLC
- Premier Mortgage Resources, Ll
- Primelending
- Residential Wholesale Mortgage
- Seatrust Mortgage Company
- Spokane Teachers Credit Union
- Summit Funding.Inc.
- Summit Mortgage Corporation
- Sunflower Bank, N.A.
- Synergy One Lending
- The Federal Savings Bank
- Tjc Mortgage Inc.
- V.I.P. Mortgage, Inc.
- Washington State Employees Cu
- Waterstone Mortgage Corporatio
- Willamette Valley Bank
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.
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.
Insights
Insights by James McTernan Tomo Mortgage Loan Advisor - NMLS #337556TrueRate report
See how mortgage companies got home buyers to over-pay by billions.
Get the reportMethodology
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.