Compare 30-year, 15-year, FHA, and VA mortgage rates from top lenders — ranked by rate, fees, and overall value.
Navy Federal Credit Union
APR Range
6.10%–7.80%
Loan Amount
$50k–$2000k
Term
120–360 mo
Origination Fee
No origination fee on VA loans
The single best mortgage option for eligible military members and veterans. No origination fee on VA loans, no PMI requirement, and rates that routinely beat big banks by 0.25–0.50%. Membership required but easy to obtain.
Guaranteed Rate
APR Range
6.20%–8.10%
Loan Amount
$100k–$4000k
Term
120–360 mo
Origination Fee
Varies; typically 0.5%–1.5%
Excellent technology stack — the online application rivals Rocket Mortgage in speed and clarity. Rates are competitive and the "Good Faith Guarantee" protects against surprises at closing. Wide availability of niche products like renovation and condo loans.
Better
APR Range
6.30%–7.50%
Loan Amount
$100k–$3000k
Term
180–360 mo
Origination Fee
—
No origination fees and a strong rate lock make Better a serious contender for cost-conscious buyers.
US Bank
APR Range
6.30%–8.00%
Loan Amount
$100k–$5000k
Term
120–360 mo
Origination Fee
Varies by loan type
Strong conventional lender with a doctor loan program that allows low down payments with no PMI — rare in the industry. Rate transparency is above average with detailed online estimates before you speak to an officer.
New American Funding
APR Range
6.40%–8.30%
Loan Amount
$75k–$3500k
Term
120–360 mo
Origination Fee
Varies; competitive on FHA and non-QM
Best for borrowers with lower credit scores or non-traditional income — NAF offers bank statement loans, ITIN loans, and FHA programs down to 580 credit. Bilingual service (English/Spanish) and a genuinely accessible underwriting process set it apart.
loanDepot
APR Range
6.40%–7.90%
Loan Amount
$100k–$3000k
Term
180–360 mo
Origination Fee
0%–2% of loan amount
One of the largest non-bank lenders in the US. Strong for FHA and conventional loans with a streamlined online process. Competitive on rate but customer service reviews are mixed — best for self-sufficient borrowers.
Rocket Mortgage
APR Range
6.50%–7.80%
Loan Amount
$85k–$2500k
Term
180–360 mo
Origination Fee
—
Easiest online application in the industry. Not always the lowest rate but the experience is unmatched.
Chase
APR Range
6.50%–8.20%
Loan Amount
$100k–$5000k
Term
120–360 mo
Origination Fee
Varies; relationship discounts up to 0.50%
Best if you already bank with Chase — the relationship rate discount (up to 0.50% off) can meaningfully reduce your rate. Strong for conventional, jumbo, FHA, and VA loans with nationwide branch coverage.