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]

Core Insights - The current mortgage lending landscape shows that five out of the top ten lenders are offering rates just below 6% as per the Yahoo Finance survey [1][3] - Navy Federal has maintained its position as the top lender for four consecutive weeks, with Chase Home Loans closely following as a strong competitor [3][4] - The survey indicates a 1.279 percentage point difference in APR between the top lender, Navy Federal, and the lowest-ranked lender, Rocket Mortgage [4] Mortgage Rates Overview - The survey conducted from January 20-25, 2026, highlights 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 make the top 10 based on APR [3] Importance of APR - The APR is emphasized as a crucial metric for borrowers, as it encompasses both the interest rate and lender fees, providing a more accurate measure of annual borrowing costs [8][14] - Borrowers are advised to focus on APR rather than just the interest rate, which is often highlighted by lenders [8] Shopping for Mortgage Rates - It is recommended that borrowers shop around for mortgage rates, which could potentially save them an average of $44,000 over the life of a 30-year loan [7] - When comparing rates, borrowers should request quotes with zero discount points to facilitate an accurate side-by-side 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 way earlier this year [11] - For instance, Citi Mortgage is currently offering $500 off closing costs as part of their promotional efforts [11] Discount Points - Discount points are described as prepaid interest that can lower the interest rate, with one point typically costing 1% of the loan amount and reducing the rate by about 0.25% [10] - Borrowers have the option to decline discount points, which would result in a higher interest rate [10]

Core Insights - The top five mortgage lenders have seen little change in rates, remaining mostly in the sub-6% range, with any modifications being incrementally higher [1] Mortgage Rates Overview - The best mortgage rates for the week of January 5-11, 2026, are based on a survey of 30-year, fixed-rate conventional loans, ranked by annual percentage rate (APR) [2] - Navy Federal offers the lowest rate at 5.5%, with an APR of 5.614%, unchanged from the previous week [3] - There is a 1.185 percentage point difference between the top lender, Navy Federal, and the lowest-ranked lender, Third Federal [4] Rate Calculation and Considerations - Sample mortgage rates are based on generic assumptions, including credit scores and down payments, which can vary by location [5][6] - Shopping around for mortgage rates can save borrowers an average of $44,000 over the life of a 30-year loan [7] Importance of APR - The APR is a crucial figure as it includes both the interest rate and lender fees, providing a more accurate measure of annual borrowing costs [8] Discount Points - Lenders may offer mortgage discount points to lower interest rates, which are optional and represent prepaid interest [9][10] Special Offers and Discounts - Lenders are increasingly offering special discounts on interest rates and fees, with examples including Citi Mortgage's $500 off closing costs [11] - Borrowers are encouraged to inquire about any available concessions when shopping with multiple lenders [12] Simplifying the Shopping Process - When comparing rates, borrowers should request quotes with zero discount points and focus on APR for accurate comparisons [13] Methodology for Rate Determination - The methodology for determining the lowest mortgage rates is based on sorting by APR, which includes interest rates and lender fees [14]

Core Insights - Mortgage rates have decreased for many lenders, with six of the top ten home loan providers offering rates below 6% [1] - The best rates this week are led by Navy Federal and PedFed, both offering 30-year fixed-rate mortgages below 5.5% [3] - Competition among lenders is increasing, with Bank of America and Wells Fargo entering the top ten lowest rates, displacing Citizens Bank and Fifth Third Bank [3] Mortgage Rate Trends - The top lender, Navy Federal, has an APR that is 1.311 percentage points lower than the bottom-ranked lender, Third Federal [4] - A total of 16 lenders were surveyed, with several notable lenders not making the top ten based on APR [4] Shopping for Mortgage Rates - Borrowers can save an average of $44,000 over the life of a 30-year loan by shopping around for the best mortgage rates [7] - The APR is emphasized as the most important figure, as it includes both the interest rate and lender fees, providing a clearer picture of borrowing costs [8] Discount Points and Offers - Discount points can be used to lower interest rates, where one point typically costs 1% of the loan amount and reduces the interest rate by about 0.25% [10] - Lenders are increasingly offering special discounts on interest rates and fees, with examples including Citi Mortgage's $500 off closing costs [12] Simplifying the Process - When comparing rates, it is recommended to request quotes with zero discount points from multiple lenders and focus on the APR for accurate comparisons [14]

Core Insights - Four of the top ten mortgage lenders are currently offering rates just below 6%, which is one less than the previous week [1] - The survey ranks lenders based on the lowest annual percentage rate (APR), which includes lender fees [1][2] Mortgage Rates Overview - Four lenders have maintained 30-year fixed mortgage rates below 6% since mid-November: Navy Federal Credit Union, Citi Mortgage, PenFed Credit Union, and Chase Home Loans [3] - The national average rates, as reported by Freddie Mac, remain above 6%, indicating that borrowers can achieve significant savings by comparing multiple lenders [3] Lender Rankings - Among the 16 lenders surveyed, Bank of America, Fifth Third Bank, PNC, Flagstar Bank, Rocket Mortgage, and Third Federal did not make the top 10 based on APR [4] - The top lender, Navy Federal, had an APR that was 1.189 percentage points lower than Third Federal, which ranked at the bottom of the list [4] Shopping for Mortgage Rates - Borrowers can save an average of $44,000 over the life of a 30-year loan by shopping around for mortgage rates [7] - The APR is emphasized as the most important figure, as it includes both the interest rate and lender fees, providing a more accurate measure of annual borrowing costs [8] Discount Points and Offers - Discount points are an option for borrowers to lower their interest rates, where one point equals 1% of the loan amount and typically reduces the interest rate by about 0.25% [10] - Lenders are increasingly offering special discounts on interest rates and fees, such as Citi Mortgage's $500 off closing costs and Chase's guarantee of on-time closing or a $5,000 payment [12] Simplifying the Process - When comparing rates from multiple lenders, it is recommended to request quotes with zero discount points and focus on the APR for a clearer comparison [13] - The methodology for determining the lowest rates is based on sorting by APR, which includes both interest rates and lender fees [14]

Core Insights - The top three mortgage lenders with the lowest rates are Navy Federal Credit Union, Citi Mortgage, and PenFed Credit Union, as per a survey by Yahoo Finance [1][3] - Mortgage rates have slightly increased despite a recent Federal Reserve rate cut, with the top five lenders including major banks and credit unions [3] - A significant difference of 0.91 percentage points in APR exists between the top lender, Navy Federal, and the bottom lender, Third Federal, highlighting the importance of comparing rates [4] Mortgage Rate Trends - The mortgage lenders with the best rates for the week of December 15-21, 2025, are ranked based on their annual percentage rates (APR) [2] - The survey indicates that Better and Truist are competing for the fifth position among lenders, with Better leading this week [3] 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 [7] - The APR is emphasized as the most important figure for borrowers, as it includes both the interest rate and lender fees, providing a clearer picture of borrowing costs [8] Discount Points - Lenders may offer mortgage discount points to lower interest rates, which are prepaid fees that can reduce the rate by approximately 0.25% per point [10][11] - Borrowers have the option to decline discount points, which will result in a higher interest rate [11] Methodology - The methodology for determining the lowest mortgage rates involves sorting lenders by APR, which accounts for both interest rates and lender fees [13]

Core Insights - The top five mortgage lenders have reduced their rates to the sub-6% range, indicating a competitive market for mortgage loans [1][3] - Navy Federal leads the survey with an offered interest rate of 5.5% and an APR of 5.614% after accounting for discount points [3][4] - A significant difference of 1.185 percentage points exists between the top lender and the lowest-ranked lender, Third Federal [4] Mortgage Rate Trends - The current mortgage rates reflect a new low territory for the past few years, with the lowest offered rate now at 5.5% [3] - The survey included 16 lenders, with notable exclusions from the top 10 such as Wells Fargo, Bank of America, and Rocket Mortgage [3] Importance of APR - The annual percentage rate (APR) is emphasized as the most critical figure for borrowers, as it encompasses both the interest rate and lender fees [8] - Borrowers are advised to focus on APR rather than just the offered interest rate to understand their total borrowing costs [8] Shopping for Mortgage Rates - Shopping around for mortgage rates can lead to significant savings, potentially up to $44,000 over the life of a 30-year loan [7] - It is recommended that borrowers request quotes from multiple lenders without discount points to facilitate accurate comparisons [14] Special Offers and Discounts - Lenders are increasingly offering special discounts on interest rates and fees, with examples such as Citi Mortgage providing $500 off closing costs [12] - Borrowers are encouraged to inquire about any available concessions if a lender is not currently promoting discounts [13]

Core Insights - The number of national mortgage lenders offering rates below 6% is increasing rapidly, with a significant rise in lenders providing 30-year fixed loans at these rates [3][4] - A survey by Yahoo Finance identifies the top lenders with the lowest annual percentage rates (APRs), highlighting the importance of comparing multiple lenders for better rates [2][4] Mortgage Rate Trends - The number of lenders offering sub-6% mortgage rates has nearly doubled this week, with seven of the top ten lenders advertising APRs below this threshold [3] - Despite national average rates remaining above 6%, borrowers can achieve substantial savings by shopping around [4] Lender Comparisons - Among the 16 national lenders surveyed, Navy Federal had the lowest APR, while Third Federal had the highest, with a difference of 1.311 percentage points [4] - Notable lenders such as PNC, Flagstar Bank, Bank of America, Fifth Third Bank, Rocket Mortgage, and Third Federal did not make the top 10 based on APR [4] Shopping for Mortgage Rates - Borrowers can save an average of $44,000 over the life of a 30-year loan by comparing rates from multiple lenders [6] - The APR is emphasized as the most critical figure, as it encompasses both the interest rate and lender fees, providing a clearer picture of borrowing costs [7] Discount Points and Offers - Lenders may offer mortgage discount points to lower interest rates, which are optional and involve upfront fees [9][10] - Special promotions, such as discounts on closing costs or guarantees for on-time closing, are becoming more common among lenders [11] Simplifying the Process - When comparing rates, it is advisable for borrowers to request quotes without discount points and focus on the APR for accurate comparisons [12]

Core Insights - The top five mortgage lenders are consistently offering rates in the upper-5% range, significantly outperforming competitors [1][3] - The best mortgage rates for 30-year fixed-rate loans are highlighted, with specific lenders ranked by their annual percentage rate (APR) [2][4] - A notable difference of 1.04 percentage points in APR exists between the top lender, Citi Mortgage, and the lowest-ranked lender, Third Federal, which can lead to substantial savings for borrowers [5] Mortgage Rate Trends - Leading lenders are providing rates below 6%, indicating a competitive market where rates vary significantly by lender [3] - Flagstar Bank has entered the top 10 list, although it ranks lower with APRs above 6% [4] Borrower Savings - The difference in APR from the best to the worst lender can save borrowers over $220 monthly and more than $80,000 in interest over the life of a 30-year loan based on a median home value with a 20% down payment [5] Shopping for Mortgage Rates - Borrowers are encouraged to shop around for mortgage rates, which can save an average of $44,000 over the life of a 30-year loan [8] - The APR is emphasized as the most important figure for borrowers, as it includes both the interest rate and lender fees, providing a clearer picture of borrowing costs [9] Discount Points - Lenders may offer mortgage discount points to lower interest rates, which are optional upfront fees that can reduce the interest rate by approximately 0.25% per point [11][12] - Borrowers can request quotes without discount points to facilitate a more straightforward comparison of rates and fees [13]