A change in the top 3 mortgage lenders with the lowest rates this week: Nov. 17, 2025

Core Insights - The top three mortgage lenders with the best rates this week are Navy Federal Credit Union, Citi Mortgage, and PenFed Credit Union, as per a survey by Yahoo Finance [1][2] Mortgage Rate Trends - Mortgage rates have declined this week among most leading lenders evaluated, with Navy Federal Credit Union and Citi Mortgage joining PenFed Credit Union as the top three lenders with the lowest rates [2] - An APR difference of one full percentage point separates the top two lenders from Rocket Mortgage, highlighting the importance of comparing rates from multiple lenders [4] Lender Membership and Loan Types - Navy Federal and PenFed are prominent VA loan lenders, but the survey focuses on conventional loan rates. PenFed allows anyone to join, while Navy Federal membership is limited to military personnel, veterans, and their families [3] Survey Details - The survey included 13 lenders, with PNC, Flagstar Bank, and Rocket Mortgage not making the top 10 based on APR [3] Importance of APR - The annual percentage rate (APR) is emphasized as the most important figure for borrowers, as it includes both the interest rate and lender fees, providing a more accurate measure of annual borrowing costs [9] Shopping for Mortgage Rates - Borrowers can save up to $44,000 over the life of a 30-year loan by shopping around for mortgage rates [8] - It is recommended to request quotes from multiple lenders without discount points to facilitate accurate comparisons of rates and fees [13][14]