Mortgages without the overpaying
On Bankrate, lenders compete for your loan. Every offer is generated by up to 100+ mortgage lenders bidding for your business in real time — so whether you’re buying, refinancing, or tapping your equity, you see the rate the market actually offers.
- $73k
Average saved by Bankrate mortgage users over 30 years.
- 600+
Banks and credit unions surveyed annually.
- 99.7%
Bankrate offers beat 99.7% of banks and credit unions
Mortgage rates today
National average mortgage rates
6.16%
Bankrate’s lowest 30-year fixed rate
30-year fixed
7.22%
0.05%15-year fixed
6.63%
0.10%30-year FHA
6.95%
0.18%30-year VA
6.90%
0.11%
Rates as of November 9, 2026
You don't have to be one of the 90% of borrowers who overpay
The average purchase homebuyer pays $3,656 more a year than they need to. See how lenders competing for your business changes that.
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Find out what your monthly payment will actually look like.
Amortization calculator
See how much of your payment goes to interest.
Interest-only mortgage calculator
See what you’re paying now versus what you’ll owe later.
Debt-to-income ratio calculator
Compare what you owe each month to what you earn.
Mortgage refinance calculator
See whether refinancing would save you money.
9 out of 10 homebuyers overpay for their mortgage.
We analyzed 3.2 million mortgage originations — the largest independent study of its kind. The typical borrower overpays by $3,363 a year, not because better rates don’t exist, but because borrowers did not use Bankrate. We exist to save you money.
Explore the data
$3k+
In avoidable annual costs for the typical borrower
$78k
In excess costs over the life of the loan
$65B
Drained annually from U.S. households by above-market rates
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