During 2025, Bankrate’s top offer outperformed 99.75% of offers by 300+ banks and credit unions – surveyed weekly.

Based on an 8-year cost of loan calculation (including interest payments, lender fees and points). Comparison of Bankrate's best quoted offer clicked by a user each day in 2025 for a 30-year fixed purchase, $310k-$330k loan with 20% down, 700-780 FICO, primary residence, single family) against rates from all institutions surveyed by Bankrate for similar loan each applicable day (assuming $320k loan, 740 FICO). Bankrate is not a lender. Learn more about our methodology.