Compare mortgage lenders — 2026
Compare mortgage lenders starting from the official national average, then check what you personally qualify for. Every button below opens the lender's own website — we take no commission and rank nobody for payment.
30-year fixed national average
6.76%
Freddie Mac Primary Mortgage Market Survey via FRED • week of 2026-09-10
This is the national average for a well-qualified conventional borrower. Your rate depends on your credit score, down payment, property type and lender pricing.
How to read these numbers
The Freddie Mac survey is the benchmark the whole industry quotes. It is measured weekly across hundreds of lenders and assumes a borrower with strong credit and about 20% down, so treat it as the floor of what is realistically available rather than a promise.
A quarter of a point matters more than most buyers expect. On a $400,000 loan over 30 years, 0.25% is roughly $60 a month and more than $21,000 in total interest — which is why collecting three quotes is worth an afternoon of your time.
What to compare besides the rate
Compare the APR, not just the headline rate: APR folds in origination fees, points and mortgage insurance, so it is the only figure that lets you line up two offers fairly.
Ask every lender for a Loan Estimate on the same day. Rates move daily, so quotes gathered a week apart are not comparable, and the standard three-page form makes the fee differences obvious at a glance.
Estimate your rate
Freddie Mac national average, adjusted by the official Fannie Mae credit and LTV pricing grid.
Where to check your own rate
Editorial disclosure — Some companies listed here are commercial brands. We select them editorially from public regulatory data and are never paid for placement or ranking. Read our full disclosure.
Rocket Mortgage
Largest US mortgage lender
Min. credit score 580
See your rate
Rates vary — check directly
National average: 6.76% (FRED)
Better Mortgage
No lender fees
Min. credit score 620
See your rate
Rates vary — check directly
National average: 6.76% (FRED)
Chase Bank
Big bank + in-person option
Min. credit score 680
See current rates
Rates posted daily on chase.com
National average: 6.76% (FRED)
Veterans United
#1 VA lender in the US
Min. credit score 620
VA loan rates
Rates vary — check directly
National average: 6.76% (FRED)
LendingTree
Compare multiple lenders
Min. credit score 580
Compare offers
See rates from competing lenders
National average: 6.76% (FRED)
Rates shown are indicative or national averages. Your actual rate will depend on your credit score, income, loan amount and the provider’s current pricing. Think Bigger Today is not a lender, bank or insurer. The buttons above open each company’s official website in a new tab, or a partner link where one exists and is labelled as such. Whether a company pays us has no bearing on its data, its score or its position in the ranking above.
Want the numbers run for your situation first?
Answer a few questions about the home, your down payment and your credit band, and we will point you to the loan type that fits before you talk to a lender.
Check my optionsEditorial disclosure — Some companies listed here are commercial brands. We select them editorially from public regulatory data and are never paid for placement or ranking. Read our full disclosure.
Frequently asked questions
Why is the national average different from the rate I am quoted?
The Freddie Mac survey average reflects a borrower with strong credit, a conventional conforming loan and roughly 20% down. Your quote moves with your credit score, down payment, loan size, property type and how many points you buy.
How many mortgage lenders should I compare?
Federal research consistently shows borrowers who collect at least three quotes save thousands over the life of the loan. Credit bureaus treat mortgage enquiries made within a 45-day window as a single hard inquiry, so shopping around does not stack up damage to your score.
Does checking a rate hurt my credit score?
Pre-qualification usually runs a soft pull with no score impact. A full pre-approval needs a hard pull, which typically costs a few points and fades within a year.
Do you get paid when I click through to a lender?
No. The buttons open each lender's official website directly. We have no affiliate agreement with any lender listed on this page, and nothing on this page is ranked for payment.
Other comparisons
Think Bigger Today keeps its editorial standards independent of commercial relationships. This review was written by our team using publicly available information, including regulatory filings and published rate sheets. the named company did not review, approve or endorse it, and is not responsible for its accuracy. Companies that work with us commercially get no preferential coverage, scoring or placement. This page may link to our free matching service, for which we can be paid a referral fee — that fee never decides what we publish, and you may or may not be matched with the named company. Figures can change without notice; always confirm the current terms with the provider. Nothing here is financial, legal or tax advice.