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 May 31, 2025
Rates updated May 31, 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 a few lenders likely to get you a good deal.
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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 many lenders and these lenders are likely to offer you a high rate.
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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 ScientistTrueRate 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.
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.
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 #337556