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Best Refinance Rates Today (2026)

Compare today's top refinance rates from leading lenders, updated with the latest Federal Reserve data.

Top Lenders for This Situation

Rocket Mortgage

4.5

Best for: Online experience

Min. credit score

580

ConventionalFHAVAJumbo

Pros

+Streamlined online process with fast pre-approval
+Wide range of loan products including jumbo
+Highly rated mobile app and customer support

Cons

-Origination fees may be higher than some competitors
-No in-person branches for face-to-face meetings
-Limited home equity loan options

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Better

4.3

Best for: Low fees

Min. credit score

620

ConventionalFHAJumbo

Pros

+No origination fees or lender commissions
+Transparent pricing with real-time rate quotes
+Fast closing timeline in eligible markets

Cons

-No VA loans
-Limited physical locations for in-person support
-Customer service can be inconsistent during high volume

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LendingTree

4.2

Best for: Comparing multiple offers

Min. credit score

580

ConventionalFHAVAJumboUSDA

Pros

+Receive up to 5 offers from competing lenders
+Wide range of loan types and lender partners
+Helps borrowers with lower credit scores find options

Cons

-Not a direct lender (marketplace model)
-May receive marketing calls from multiple lenders
-Rates shown are estimates until lender verification

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SoFi

4.4

Best for: High-balance loans

Min. credit score

600

ConventionalJumbo

Pros

+No origination, application, or appraisal fees
+Competitive rates for well-qualified borrowers
+Unemployment forbearance program for members

Cons

-No FHA, VA, or USDA loans
-Higher minimum credit score than some competitors
-Limited loan product variety

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Guaranteed Rate

4.3

Best for: Wide loan selection

Min. credit score

620

ConventionalFHAVAJumboUSDA

Pros

+Extensive loan product menu including niche options
+Both digital and in-person support available
+Competitive rates with rate lock flexibility

Cons

-Origination fees vary by market and loan type
-Online reviews cite occasional processing delays
-Not available in all states for all products

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loanDepot

4.0

Best for: Repeat customers

Min. credit score

620

ConventionalFHAVAJumbo

Pros

+Lifetime guarantee waives lender fees on future refinances
+Available nationwide with local loan officers
+Solid digital application experience

Cons

-Higher rates reported compared to some online lenders
-Customer service ratings have fluctuated
-No USDA loans

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PennyMac

4.1

Best for: Existing PennyMac borrowers

Min. credit score

620

ConventionalFHAVAJumbo

Pros

+Simple refinance process for current PennyMac customers
+Competitive rates on conforming and government loans
+No in-person visit required

Cons

-Limited branch locations
-Less competitive for jumbo or non-conforming loans
-Online tools are functional but not best-in-class

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Chase

4.2

Best for: Existing Chase customers

Min. credit score

620

ConventionalFHAVAJumbo

Pros

+Rate discounts for existing Chase banking customers
+Nationwide branch network for in-person support
+Strong reputation and financial stability

Cons

-Less competitive rates without relationship discounts
-Approval process can be slower than online-only lenders
-No USDA loans

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Wells Fargo

3.9

Best for: In-person service

Min. credit score

620

ConventionalFHAVAJumbo

Pros

+Large branch network for face-to-face support
+Closing cost assistance programs available
+Wide range of conventional and government loan products

Cons

-Online application experience lags behind digital-first lenders
-Past regulatory issues may concern some borrowers
-Rates may not be the most competitive for all profiles

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Navy Federal Credit Union

4.6

Best for: Military and VA loans

Min. credit score

580

ConventionalVAJumbo

Pros

+Excellent VA loan terms with no PMI
+Lower credit score requirements for military members
+Consistently high customer satisfaction ratings

Cons

-Membership limited to military, veterans, and families
-No FHA or USDA loans
-Branch locations concentrated near military bases

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Relevant Loan Types

ConventionalFHAVAJumbo

See your numbers

Use real Federal Reserve data to calculate your potential refinance savings for this scenario.

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Frequently Asked Questions

What is a good refinance rate right now?

A good rate depends on your credit score, loan type, and market conditions. Check our mortgage rates page for today's national averages from Federal Reserve data, then compare offers from multiple lenders.

How often do refinance rates change?

Refinance rates change daily, sometimes multiple times per day, based on the bond market. The rates shown on our site reflect weekly national averages. Your individual rate will depend on your financial profile.

Should I lock my rate or float?

If you find a rate you are comfortable with, locking is generally safer. Rate locks typically last 30 to 60 days. Floating means your rate could go down, but it could also go up before closing.

How do I get the lowest refinance rate?

Improve your credit score above 740, reduce your DTI below 36%, maintain at least 20% equity, compare at least 3 to 5 lenders, and consider paying discount points to buy down your rate.

Do refinance rates differ from purchase rates?

Refinance rates are typically 0.125% to 0.25% higher than purchase rates because refinances have slightly higher default rates historically. Cash-out refinances may be an additional 0.125% higher.

This page is for educational purposes only and does not constitute financial advice. Wirly is not a lender or mortgage broker. Individual rates, terms, and eligibility vary by lender and borrower profile. Consult a licensed mortgage professional for personalized guidance.