Weekly survey of mortgage lenders with the lowest rates: Little relief since July

Primary Journalistic Dispatch & Direct Reporting

Weekly survey of mortgage lenders with the lowest rates: Little relief since July Hal Bundrick, CFP® · Senior Writer Tue, September 8, 2026 at 9:12 AM PDT 4 min read The mortgage lenders with the lowest rates have been a quarter point or more above 6% since July 20. The Yahoo Finance weekly survey ranks lenders by the lowest annual percentage rate (APR), which includes lender fees. Read on to see the 10 lenders with the lowest rates this week.

See our top picks for mortgage lenders for first-time home buyers.

Here are the 10 mortgage lenders with the best interest rates this week, as determined by our survey of the lowest mortgage rates on 30-year, fixed-rate conventional loans. The following numbers are each lender's annual percentage rate (APR).

In-Depth Developments & Factual Context

For the third week in a row, Better tops the list of mortgage lenders with the lowest rates. The top 10 has seen some movement, with name-brand lenders swapping positions as minor pricing changes affect their rankings.

Of the 16 national lenders surveyed on September 8, Citizens Bank, Fifth Third Bank, Rate, PNC Bank, Bank of America, and Rocket Mortgage did not rank among the top 10 lenders sorted by annual percentage rates. An APR difference of 0.764 percentage point separated the top lender, Better Mortgage, from the bottom-ranked Rocket Mortgage.

That's further proof that shopping multiple lenders can lead to significant savings.

Industry Impact & Strategic Analysis

These are sample mortgage rates found on lender websites and are based on generic assumptions. Lenders advertise 30-year mortgage rates based on varying credit scores, down payments, and other credit qualifications. Even where you live affects your mortgage rate.

Your rate will be based on your particular credit profile.

If a mortgage lender required additional borrower information to provide a sample rate, we supplied a median home value and credit score, with a 20% down payment based on a home located in the Midwest.

Forward Outlook & Market Perspective

The key to securing the lowest mortgage rate is shopping around, which could save borrowers up to an average of $44,000 over the life of a 30-year loan, according to an analysis by Realtor.com.

We're also looking for details that you will want to consider. Often, borrowers focus on the offered interest rate, as that's what lenders typically highlight. However, the mortgage annual percentage rate, or APR, is the most important number.

APR includes both the interest rate and lender fees (for example, the mortgage origination fee ), so it is the most accurate measure of your annual borrowing costs.

Lenders often include mortgage discount points to lower the interest rate they offer. That's where things can get confusing.

First off, discount points are prepaid interest - an up-front fee paid at closing that reduces your interest rate. Although lenders often include discount points in their advertised rates online, buying points is optional.

Each point represents 1% of your loan amount and generally lowers your interest rate by about 0.25%. For example, one point on a $400,000 mortgage would cost $4,000 and reduce a 6.75% home loan to 6.50%.

Reporting synthesized and verified under Nexvoro.tech editorial guidelines. Full primary records referenced via Yahoo Finance.