This week’s top three mortgage lenders with the best rates are Navy Federal Credit Union, Citi Mortgage, and PenFed Credit Union, according to a Yahoo Finance survey based on annual percentage rates (APR). The rankings remain consistent, with Navy Federal leading at 5.614%, Citi Mortgage at 5.743%, and PenFed Credit Union at 5.939%. The key to getting the lowest mortgage rate is shopping around, potentially saving borrowers up to $44,000 over a 30-year loan. Lenders often include mortgage discount points to lower interest rates, but buyers can opt out to avoid additional fees. It’s important to compare APRs for accurate rate comparisons.

Read more at Yahoo Finance: See who has the best rates this week, Dec. 8, 2025