Who has low mortgage rates?
A good rate for a primary, single-family home in for , and credit score is:
found 62 lenders for you—rates updated Jun 3, 2025
Rates updated Jun 3, 2025
Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson Chief Data ScientistLenders with low rates
We’ve analyzed the rates lenders actually gave to buyers for the last three years and found only 4 lenders likely to get you a good deal.
| Lender | Lender fees | ||
|---|---|---|---|
| Tomo Mortgage, LLC | No lender feesHighly rated | Highly rated | |
| American Internet Mortgage, In | $995Mixed reviews | Mixed reviews | |
| Pentagon Federal Credit Union | $995Average | Average | |
| Sound Credit Union | $1050Below average | Below average |
Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson Chief Data ScientistLenders likely to have high rates
We don’t accept advertising, so TrueRate can give the real lender story. We looked at 62 lenders and these 5 are likely to offer you a high rate.
| Lender | Lender fees | ||
|---|---|---|---|
| Directors Mortgage, Inc. | $1790Above average | Above average | |
| Panorama Mortgage Group, LLC | $1740Limited reviews | Limited reviews | |
| Mortgage Solutions Of Colorado | $1565Mixed reviews | Mixed reviews | |
| Wallick & Volk, Inc. | $1300Below average | Below average | |
| American Financial Network, In | $1295Mixed 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 Chief Data ScientistLenders with 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
James James McTernan is a Tomo Mortgage Loan Advisor - NMLS #337556Get 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.
TrueRate 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.