Compare 30-yr fixed rates by what they truly cost.
The lowest headline rate isn't always the cheapest loan. We rank every lender by APR and the interest you'll actually pay — then show you the gap.
and priciest offer here
Same loan, same you — the only variable is the lender.
30-yr Fixed offers (18)
$320,000 loan · ranked by lowest APRAdvertising disclosure: Some products are from partners. This does not affect rankings.
Full disclosure →
Payments shown for a $320,000 loan at 20% down, 760+ credit. APR includes lender fees. Lifetime interest assumes the loan is held to term. How we rank & verify rates →
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How to choose the right mortgage lender
Master your finances with our expert-curated guides and insights.
Choosing a mortgage lender is one of the highest-stakes financial decisions most people make — yet most borrowers accept the first or second offer they receive. On a $400,000 30-year mortgage, a difference of 0.25% in rate is worth approximately $20,000 over the life of the loan. A difference of 0.5% is worth $40,000. Shopping multiple lenders is the single highest-ROI action a homebuyer can take.
APR (Annual Percentage Rate) is the number that matters most for comparison — it folds in lender fees, points, and origination costs into a single annualized rate. A lender with a lower headline rate but high fees may have a higher APR, making them more expensive overall.
Get at least three loan estimates from different lender types: a national bank, an online lender, and a credit union. By law, each must give you a Loan Estimate within 3 business days — that document standardizes the format so you can compare apples to apples.
AI-assisted editorial · Reviewed by SwitchWize Research Desk · Rate data monitored daily
Compare APR, not rate
APR includes fees and points. Two lenders quoting the same rate can have very different total costs.
Shop at least 3 lenders
Studies show getting 3+ quotes saves $1,500+ on a typical mortgage. It only takes a few hours.
Lock when you apply
Rate locks typically run 30–60 days. Lock when you're under contract to protect against rate increases while closing.
Pre-approval first
A pre-approval letter strengthens offers and gives you real rate quotes — not just estimates — before you shop.
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