The best mortgage rates, with receipts

Every lender says they have the best mortgage rates. Fine. We're the one that shows you. Every business day, our live quote publishes next to the national average and the advertised offers of Rocket Mortgage, Zillow Home Loans, Bank of America, Veterans United, New American Funding, and more, exactly as those lenders post them on their own sites, with the two numbers their big fonts bury: the discount points each advertised rate costs, and the APR. Every card is dated and linked to its source. Meanwhile, lenders like AmeriSave and loanDepot publish no rates at all; you hand over your phone number first. That tells you something too.

Our 30-year rate has closed under the national average every trading day we've published the comparison, starting August 28, 2026, and every one of those days is archived. Ask any other lender, or any other broker, to make that sentence about themselves.

What the gap is worth

Rate differences sound small until you run them across a mortgage. On a $440,000 loan, a quarter point of rate is roughly $70 a month, which is over $25,000 across a 30-year term; a half point is roughly double that. (Principal-and-interest example, not a quote.) That's the abstract version. Here's ours: As of August 28, 2026, our 30-year rate is 0.43% under the national average (6.81% average vs our 6.375%, 6.40% APR), worth about $126 a month on a $440,000 example and roughly $45,000 across the loan's term, principal and interest. That sentence recomputes every business day from the same archive that renders the comparison page, so it's never a stale brochure number.

Why our number sits where it sits

No magic here. Being a wholesale mortgage broker, we get exclusive access to raw wholesale rates: on one application, we can see every wholesale lender's raw pricing side by side, all 40+ of them, lenders that don't run branches or Super Bowl ads, and we choose whichever one is cheapest for you. And since our operating cost is so low, we don't have to add the standard 2% to 4% of extra margin on top of it the way most brokers and lenders do. Family-owned, no branch network, no layers of sales management, the owner pricing the files: the markup a mortgage company charges exists to feed its overhead, and ours barely has any. That difference goes to you, in the rate.

The part nobody tells you about brokers

Here's the honest wrinkle: "wholesale broker" is a business model, not a promise. Plenty of brokerages run big offices and big headcounts, or set their margins fat simply because retail pricing is high enough to hide under; they beat the bank and still leave real money on your table. So don't take "we're a broker" as proof of a good price, from anyone. Ask the only question that settles it: show me your number, in public, next to the market. We publish ours every day. Ask another broker to do the same and watch the pause.

Rates are personal, so finish the job on your file

Any published rate, ours included, is a sample scenario: a specific credit score, down payment, property, and day. Your file prices individually, and lenders' quotes for the same borrower on the same day genuinely differ; Freddie Mac's research measured the spread and found that collecting even one extra quote saves the average borrower about $1,500 over the loan, and five quotes about $3,000. Industry analysis of federal HMDA data puts average broker-channel savings at $10,662 against retail. That average includes every bloated brokerage in America, which is why we treat it as a floor, not a target. Our own daily gap against the national average is printed two sections up, with today's date on it; that's what running past the average looks like in public.

1. Start with our live rates: current pricing with APR, next to the market, no contact info required.
2. Price your exact scenario: credit tier, down payment, property, program.
3. Already have a quote from anyone on that page or off it? Send it. If we can't beat an eligible competing offer, our published Best Price Guaranteepays you $500 (terms apply). We either win your file or pay for the miss; that's the standard a "best rate" claim should have to meet.

And the job doesn't end at closing. Every funded client goes into our rate watch system, which tracks their rate against the market daily and reaches out when a refinance would genuinely save money. Most companies collect the commission and move on. Ours keeps shopping for you after the ink dries.

Frequently asked questions

Sources

1. Polygon Research analysis of 2023 HMDA data (Businesswire, August 2024)
2. Freddie Mac research: borrowers who shop around save more (February 2023)