In a welcome sign for home buyers, mortgage rates are down from their summer highs — and seem to be generally staying that way. “Mortgage rates have been shifting within a narrow ten-basis point range over the last month. This rate stability is a positive sign for both buyers and sellers, as it helps provide greater certainty in the housing market,” said Sam Khater, Freddie Mac’s chief economist in a press release.
But which mortgage lender is right for you? We’ve analyzed “best mortgage lender” reviews and rankings from some of the leading financial sites in America — Bankrate, CNBC Select, NerdWallet, Forbes Advisor and more — to determine the 10 most-recommended mortgage lenders now. See some of the best mortgage rates you may qualify for here, from our partner Bankrate.
Our ranking, which we update each month, includes the most-recommended mortgage lenders with the highest rates, most flexible terms and most competitive offers to help you with your home purchase. Available APR for each is accurate as of Nov. 25 and may vary depending on various factors, including credit scores. These 10 mortgage providers landed on the most “best of” lists in November 2025:
Winner: 7 best-of awards
Rocket Mortgage
Lowest advertised annual percentage rates:
- 30-year fixed: 6.663%
- 20-year fixed: 6.627%
- 30-year FHA: 6.712%
- 30-year jumbo: 5.933%
- 30-year VA: 6.278%
Loan types: Conventional, FHA, Jumbo, VA
Credit score: 620 minimum; some applicants with 580 or higher may also be eligible
Minimum down payment requirements: 0%-3.5%; 3.5% for FHA loans
Winner: 6 best-of awards
Rate
Lowest advertised annual percentage rates:
- 30-year fixed: 6.131%
- 15-year fixed: 5.417%
- FHA: 6.392%
- VA: 5.856%
- Jumbo: 6.003%
Loan types: Conventional, FHA, Interest Only, Jumbo, VA
Credit score: 620 minimum
Minimum down payment requirements: 0%-3.5%
Winner: 6 best-of awards
Veterans United
Lowest advertised annual percentage rates:
- 30-year fixed VA: 5.816%
- 20-year fixed VA: 5.969%
- 15-year fixed VA: 5.961%
- 30-year fixed VA jumbo: 5.839%
- 30-year VA cash-out refinance/jumbo: 6.316%/5.933%
- 30-Year Streamline Refinance/jumbo: 5.781%/6.312%
Loan types: VA
Credit score: 600 minimum
Minimum down payment requirements: 0%-5%
Winner: 5 best-of awards
PenFed Credit Union
Lowest advertised annual percentage rates:
- Conventional 30-year fixed: 5.939%
- FHA: 6.137%
- VA: 5.541%
- Jumbo: 6.247%
- VA Refi Loan: 5.683%
- HELOC: 6.875%
Loan types: ARM, Conventional, FHA, HELOC, Jumbo, Refinancing and VA
Credit score: 650 minimum for a conventional loan
Minimum down payment requirements: 0% for VA loans; 3% minimum for conventional
Winner: 5 best-of awards
PNC Bank
Lowest advertised annual percentage rates: Personalized rates only available after preapproval
Loan types: Conventional, Community, FHA, VA, USDA, Jumbo, HELOCs, Medical Professional
Credit score: 620 minimum
Minimum down payment requirements: 0%-3.5%; 0% down for USDA loans
Winner: 4 best-of awards
Guild Mortgage
Lowest advertised annual percentage rate: Personalized rates only available upon request
Loan types: Adjustable and fixed-rate mortgages, Bridge loans, BuyNow Advantage, DSCR, FHA, Flex Payment Mortgage (Reverse), HFA/Bond programs, home equity options, ITIN, Jumbo, manufactured home loans, purchase and refinancing, renovation, USDA, Zero Down
Credit score: 540 for FHA*, VA and USDA loans, 600 for Zero Down, 620 for conventional loans, 660 for jumbo
Minimum down payment requirements: 0% for USDA, VA and Zero Down mortgages, 1-3% for conventional and 3.5% for FHA
*FHA requires a 580 credit score for 3.5% down payment
Winner: 4 best-of awards
Navy Federal Credit Union
Lowest advertised annual percentage rates:
- 30-year VA: 5.789%
- 15-year VA: 5.645%
- 30-year fixed/jumbo: 5.740%/5.992%
- 15-year fixed/jumbo: 5.191%/5.694%
- 30-year homebuyers choice/jumbo: 6.821%/7.203%
- 30-year military choice/jumbo: 6.693%/7.076%
- 3/5 conforming/jumbo ARM: 5.691%
- 5/5 conforming/jumbo ARM: 5.684%
Loan types: Conventional, Purchase, Jumbo, Refinance and VA
Credit score: N/A
Minimum down payment requirements: As low as 0%
Winner: 3 best-of awards
Better Mortgage
Lowest advertised annual percentage rates: Rates are personalized to your ZIP code
Loan types: Adjustable, Conventional, FHA, HELOCs, Purchase, Refinance, VA, Jumbo
Credit score: 580
Down payment requirements: 3%
Winner: 3 best-of awards
Pennymac
Lowest advertised annual percentage rates: Rates are personalized to your ZIP code
Available terms: 15-30 year fixed-rate mortgages
Loan types: ARMs, Conventional, FHA, Investment Property, Jumbo, VA
Credit score: 580
Down payment requirements: 3%
Methodology
Every month, our team scours the internet in search of mortgage lender recommendations from Bankrate, CNBC Select, Forbes Advisor, Fortune, Investopedia, LendingTree, NerdWallet, U.S. News and Yahoo Finance. We then rank these accounts based on the total number of times they appear on a “best mortgage lender” list. Simply put, banks that appear the most will be deemed the winner.