In September 2025, Truist and TD Bank are recognized as top mortgage refinance lenders by Yahoo Finance. Truist stands out for low debt-to-income ratio requirements and zero discount points. TD Bank offers a Home Loan Match tool and fee discounts for customers. Bank of America excels in conventional loan refinancing and customer satisfaction, while Pennymac specializes in government-backed loans. Rate offers high loan amounts and non-qualified mortgages. U.S. Bank receives five stars for online resources. Fifth Third Bank stands out for low loan costs. CMG Financial caters to USDA mortgage holders. Refinance applications are rising by 31% year-over-year. Mortgage rates average 6.64% for 30-year loans and 5.91% for 15-year loans. When refinancing, consider the pros and cons, types of refinances, and lender options. Refinancing can be a good financial move, especially with low interest rates and high home equity. Refinancing rates are starting to trend lower, but headline rates may differ from refinance rates. Research lender rates and use Yahoo Finance’s scoring methodology to find the best deal. Always compare rates, fees, and services before refinancing.

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