Most homebuyers overpay for their mortgage. You don’t have to.
The majority of American homeowners overpay on their mortgage every year. Not because good rates don’t exist, but because the system isn’t built for people. Bankrate is. We make lenders compete for your loan until the best rate wins.
Average saved by Bankrate mortgage users over 30 years
Banks and credit unions surveyed continuously
Bankrate customers got better rates than 99% of banks in 2025
What's your next step?
Whether you're buying or refinancing, most people overpay. Here's how not to.
Buy a home
Most buyers only see a few rates — costing an average of $3,343 a year in avoidable costs. On Bankrate, lenders compete so you see the best rate, not just the first few.
Refinance a mortgage
Refinancers have all the time in the world to shop — yet most still overpay by $3,029 a year, on average. See what 600+ competing lenders would offer you in minutes.
Tap into home equity
Most homeowners don't realize how much equity they're sitting on, or that they can access it at rates far below a personal loan. See what's available to you.
Your information is not shared until you decide to apply for an account or loan
Why Bankrate
Founded by a journalist to hold banks accountable
Independent since day one.
People use Bankrate every year
Where Americans go for a fair rate.
saved by Bankrate members every year
Real money. Real people.
Official data provider to the Federal Reserve
The standard for rate data.
Bankrate is built for people, not banks
Your bank is a lender. It has a rate to protect. Bankrate isn’t a bank, isn’t a lender, and doesn’t make money on the rate you choose. Because we have no stake in which lender wins, neither do our recommendations.
The better rate exists. It just requires a place where lenders can’t avoid offering it.
Tell us about your loan
Purchase, refinance, or home equity. No credit pull required.
Lenders compete for your business
You see their best offers, ranked by rate — not by who paid us.
You decide who to contact
Your information isn't shared until you choose.
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Who we are and why we exist
About us
For over 40 years, one job: show people what the market actually offers — not what their banks want them to see. Real data, better rates.
Our Founder
In 1982, journalist Robert K. Heady saw that people had no way to know if they were getting a fair deal from their bank. He built the solution.
Leadership
The executives, journalists, and analysts carrying the mission forward: to make sure consumers always know what the market actually offers.
Contact us
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