Mortgage lenders with the best rates this week, Jan. 20, 2026

Core Insights - Mortgage rates have increased slightly, but five of the top ten home loan providers are still offering rates just below 6% [1][3] - Navy Federal has maintained the lowest rates for four consecutive weeks, with Chase Home Loans as a close competitor [3] - The difference in APR between the top lender, Navy Federal, and the lowest, Rocket Mortgage, is 1.279 percentage points [4] Mortgage Lenders and Rates - The survey conducted on January 20, 2026, identified the ten mortgage lenders with the best interest rates for 30-year fixed-rate conventional loans [2] - Among the 16 lenders surveyed, PNC, Citizens Bank, Bank of America, Flagstar Bank, Third Federal, and Rocket Mortgage did not rank in the top ten based on APR [3] Importance of APR - The APR is a crucial metric as it encompasses both the interest rate and lender fees, providing a more accurate measure of annual borrowing costs [8] - Borrowers are advised to focus on APR rather than just the interest rate when comparing mortgage offers [8] Shopping for Mortgage Rates - Shopping around for mortgage rates can save borrowers an average of $44,000 over the life of a 30-year loan [7] - It is recommended to request quotes from multiple lenders without discount points to facilitate a clearer comparison of rates and fees [13] Special Offers and Discounts - Lenders are increasingly offering special discounts on interest rates and fees, with Chase Home Loans leading the trend [11] - Citi Mortgage is currently offering $500 off closing costs as part of their promotional efforts [11]