Verified rates from 2,400+ lenders

Your bank has a mortgage rate. We have a better one.

Compare verified mortgage offers from thousands of lenders, side by side, in one place. No account needed to browse.

Calculate my payment What can I afford?
Rates updated every business day from 4,800+ lender survey

Today's rates

Live market averages

Open savings calculator
$73,397 avg. saved per borrower in 2025 2,400+ licensed lenders surveyed Publishing rate data since 1976

The latest top mortgage rates from BankrateCalc

Select a loan type to compare our best offers with the national average.

Loan type

Historical timeline

Loan purpose

How the rates in this chart are calculated Personalize your rate
Daily top offers on BankrateCalc: 5.62%
Daily national average: 6.41%
Woman painting a wall
$15,000
Home improvement fund

Confidence shouldn't be a feeling.
It should be a calculation.

Mortgage calculator Home affordability Savings calculator Credit card payoff CD calculator Bank ratings
Rates trending down

Latest in Mortgages

Expert analysis, rate forecasts, and guides for homebuyers.

Mortgage rate forecast
Forecast

Mortgage rate forecast: Will rates go down in April 2026?

Experts predict mortgage rates to hover in the low-to-mid 6% range as geopolitical tensions ease. The Mortgage Bankers Association calls for rates to stay above 6% for the rest of 2026.

Jeff Ostrowski Apr 11, 2026 8 min read
Guide

Best lenders for first-time homebuyers in 2026

Michele Petry Apr 9, 2026 12 min read
Market

Housing market 2026: Half of major metros see price declines

Sarah Foster Apr 7, 2026 6 min read
Analysis

Should you refinance now or tap home equity instead?

Karen Bennett Apr 4, 2026 7 min read

Top-rated mortgage lenders

BankrateCalc scores and consumer reviews from verified borrowers.

Advertiser Disclosure: BankrateCalc scores are editorial ratings based on loan types, fees, and borrower experience. Consumer scores are from verified borrowers via BankrateCalc. Not financial advice.