{"id":22509,"date":"2026-02-09T16:56:41","date_gmt":"2026-02-09T16:56:41","guid":{"rendered":"https:\/\/diyhaven858.wasmer.app\/index.php\/mortgage-lenders-with-the-best-rates-this-week-feb-9-2026\/"},"modified":"2026-02-09T16:56:41","modified_gmt":"2026-02-09T16:56:41","slug":"mortgage-lenders-with-the-best-rates-this-week-feb-9-2026","status":"publish","type":"post","link":"https:\/\/diyhaven858.wasmer.app\/index.php\/mortgage-lenders-with-the-best-rates-this-week-feb-9-2026\/","title":{"rendered":"Mortgage lenders with the best rates this week, Feb. 9, 2026"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Of the top 16 national mortgage lenders we scanned this week, four continue to offer rates below 6%. The Yahoo Finance survey ranks lenders by the lowest annual percentage rate (APR), which includes lender fees.<!-- HTML_TAG_END --><\/p>\n<p> <iframe loading=\"lazy\" title=\"CDS Widget\" src=\"https:\/\/templates.cds.yahoo.com\/remote\/widget?campaignId=4ec2331a-fbb0-4230-81e2-d38f75a95135&amp;lineItemId=58b163d6-ba90-4126-bd53-495e20aa96b0&amp;contentId=4e657db1-8464-40f8-90bb-7dc45d3a5277&amp;viewId=aBsuiY0fTB7aNWdnBKRJXA&amp;providerId=yahoo_personal_finance_397&amp;site=finance&amp;spaceId=1183300100&amp;commerceSiteId=us-finance-pnr\" scrolling=\"no\" height=\"480\" data-testid=\"iframe-with-resizer\" class=\"yf-16wd5dt\"><\/iframe> <\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Here are the 10 mortgage lenders with the best interest rates this week, as determined by our survey of the lowest mortgage rates on 30-year, fixed-rate conventional loans. The following numbers are each lender\u2019s annual percentage rate (APR).<!-- HTML_TAG_END --><\/p>\n<ol class=\"yf-h8k6hx\">\n<li class=\"yf-h8k6hx\">\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START --><strong>Navy Federal Credit Union<\/strong><strong>:<\/strong> 5.614%<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-h8k6hx\">\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START --><strong>Citi Mortgage:<\/strong> 5.629%<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-h8k6hx\">\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START --><strong>PenFed Credit Union<\/strong><strong>:<\/strong> 5.699%<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-h8k6hx\">\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START --><strong>Chase Home Loans<\/strong><strong>:<\/strong> 5.868%<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-h8k6hx\">\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START --><strong>Truist<\/strong><strong>:<\/strong> 6.051%<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-h8k6hx\">\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START --><strong>Better<\/strong><strong>:<\/strong> 6.064%<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-h8k6hx\">\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START --><strong>Citizens Bank<\/strong>: 6.121%<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-h8k6hx\">\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START --><strong>U.S. Bank<\/strong>: 6.122%<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-h8k6hx\">\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START --><strong>Fifth Third Bank<\/strong><strong>: <\/strong>6.133%<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-h8k6hx\">\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START --><strong>Wells Fargo<\/strong>: 6.149%<!-- HTML_TAG_END --><\/p>\n<\/li>\n<\/ol>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->The low-mortgage-rate leaderboard continues to be dominated by two of the largest credit unions and two of the largest banks in the U.S. Navy Federal Credit Union, PenFed Credit Union, Citi Mortgage, and Chase Home Loans have been offering 30-year fixed mortgage rates below 6% since mid-November.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->While national average rates, as measured by Freddie Mac, remain above 6%, it&#8217;s apparent that shopping with multiple lenders can yield significant savings on interest rates.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Of the 16 lenders surveyed on February 9, Rate, Bank of America, PNC, Flagstar Bank, Rocket Mortgage, and Third Federal did not make the top 10, based on annual percentage rates.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->An APR difference of 1.185 percentage points separated the top lender, Navy Federal, from the bottom-ranked Third Federal.<!-- HTML_TAG_END --><\/p>\n<section class=\"up-next-container tw-block md:tw-hidden yf-1tgly48\">\n<header class=\"small  mb-4 yf-1kayatz font-condensed\"> <\/header>\n<\/section>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->These are all sample mortgage rates found on lender websites and are based on generic assumptions. Lenders advertise 30-year mortgage rates based on varying credit scores, down payments, and other credit qualifications. Even where you live affects your mortgage rate.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Your rate will be based on your particular credit profile.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->If a mortgage lender required additional borrower information to provide a sample rate, we supplied a median home value and credit score, with a 20% down payment based on a home located in the Midwest.<!-- HTML_TAG_END --><\/p>\n<figure data-testid=\"article-figure-image\" class=\"yf-1ems0tc\">\n<div class=\"image-container yf-lglytj\" style=\"--max-height: 247px;\">\n<div class=\"image-wrapper yf-lglytj\" style=\"--aspect-ratio: 960 \/ 247; --img-max-width: 960px;\"><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/s.yimg.com\/ny\/api\/res\/1.2\/uA2hfIdviSR9_fDPHFKcFg--\/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTI0Nw--\/https:\/\/s.yimg.com\/os\/creatr-uploaded-images\/2025-09\/8c1eef10-9311-11f0-b972-763822aff66e\" alt=\"\" loading=\"eager\" height=\"247\" width=\"960\" class=\"yf-lglytj  loaded\"\/><\/div>\n<\/div>\n<\/figure>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->The key to securing the lowest mortgage rate is shopping around, which could save borrowers up to an average $44,000 over the life of a 30-year loan, according to analysis by Realtor.com. Our calculation above yielded even better results.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->We&#8217;re also looking for details that you will want to consider. Often, borrowers focus on the offered interest rate, as that&#8217;s what lenders typically highlight. However, the mortgage annual percentage rate, or APR, is the most important number.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->APR includes both the interest rate and lender fees (e.g., the mortgage origination fee), so it is the most accurate measure of your annual borrowing costs.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Lenders often include mortgage discount points to lower their offered interest rate. That&#8217;s where things can get confusing.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->First off, discount points are prepaid interest \u2014 an up-front fee paid at closing that reduces your interest rate. Although lenders often include discount points in their advertised rates online, buying points is optional.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Each point represents 1% of your loan amount and generally lowers your interest rate by about 0.25%. For example, one point on a $400,000 mortgage would cost $4,000 and reduce a 6.25% home loan to 6%.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->Just remember, no matter what the lender puts in an advertised rate, or in a loan offer, when you get a Loan Estimate and you see discount points under the lender fees section, you can say \u201cno\u201d and have them removed. But your rate will be higher.<!-- HTML_TAG_END --><\/p>\n<h3 class=\"header-scroll yf-1u6g9f6\" id=\"look-for-special-rate-offers-and-fee-discounts\"><!-- HTML_TAG_START -->Look for special rate offers and fee discounts<!-- HTML_TAG_END --><\/h3>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->One thing we&#8217;re seeing more often: Lenders offering special discounts off their interest rates and fees. For example, on February 9, we found Citi Mortgage continuing to offer $500 off closing costs. Another promotion we&#8217;ve noticed: Chase guarantees an on-time closing or will pay you $5,000.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->If a lender you are interested in is not currently promoting a discount, ask for any concessions they can offer and let them know you are shopping with multiple lenders.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->That&#8217;s a lot of moving parts, we know.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->If possible, when shopping with three or more lenders, have each of them quote a mortgage rate with zero discount points. Then, focus on the APR for an accurate side-by-side comparison of rates and fees.<!-- HTML_TAG_END --><\/p>\n<p> <iframe loading=\"lazy\" title=\"CDS Widget\" src=\"https:\/\/templates.cds.yahoo.com\/remote\/widget?campaignId=4ec2331a-fbb0-4230-81e2-d38f75a95135&amp;lineItemId=58b163d6-ba90-4126-bd53-495e20aa96b0&amp;contentId=4e657db1-8464-40f8-90bb-7dc45d3a5277&amp;viewId=aBsuiY0fTB7aNWdnBKRJXA&amp;providerId=yahoo_personal_finance_397&amp;site=finance&amp;spaceId=1183300100&amp;commerceSiteId=us-finance-pnr\" scrolling=\"no\" height=\"480\" data-testid=\"iframe-with-resizer\" class=\"yf-16wd5dt\"><\/iframe> <\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START -->See the table below to understand the Yahoo Finance methodology for determining which mortgage lenders have the best rates this week. Remember, we are sorting by APR, which includes both the interest rates and mortgage lender fees, including points.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-vbsvxt\"><!-- HTML_TAG_START --><em>Laura Grace Tarpley<\/em><em> edited this article.<\/em><!-- HTML_TAG_END --><\/p>\n<\/p><\/div>\n<p><br \/>\n<br \/><a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Of the top 16 national mortgage lenders we scanned this week, four continue to offer rates below 6%. The Yahoo Finance survey ranks lenders by the lowest annual percentage rate (APR), which includes lender fees. Here are the 10 mortgage lenders with the best interest rates this week, as determined by our survey of the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10569,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_daextam_enable_autolinks":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[10],"tags":[198,199,793,201,62,171,40,20,200,1395],"class_list":["post-22509","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-news","tag-annual-percentage-rate","tag-annual-percentage-rates","tag-chase-home-loans","tag-citi-mortgage","tag-interest-rates","tag-mortgage-lenders","tag-mortgage-rate","tag-mortgage-rates","tag-navy-federal-credit-union","tag-penfed-credit-union"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/diyhaven858.wasmer.app\/wp-content\/uploads\/2026\/01\/1744de20-fad6-11f0-9fdc-62e141e212ad.jpeg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts\/22509","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/comments?post=22509"}],"version-history":[{"count":0,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts\/22509\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/media\/10569"}],"wp:attachment":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/media?parent=22509"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/categories?post=22509"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/tags?post=22509"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}