Find Best Home Purchase Loans – April 2025:
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Updated: April 1, 2025
Home Purchase Rates
Real home loan purchase rates. No teasers.
Our homeowners members across the country recently provided the rates below who got rates to buy a home. These rates are not the same as what you can see online elsewhere since they’re not teaser rates. They may be a differ just a little: a little below or litter higher what you see on other sites but they are real rates home buyer received very recently.
Our goal: give a better idea who offer the best rates for your credit score. We’re also proving members’ satisfaction ratings for lender type and credit scores.
| Credit Score |
Satisfaction |
|||
|---|---|---|---|---|
| 720 – 850 | 690 – 719 | 620 – 689 | ||
| Nationally | 7.5% | 8.0% | 8.4% | |
| Credit Unions | 7.4% | 7.7% | 8.2% | 8.7/10 |
| Online lenders | 7.4% | 8.0% | 8.3% | 8.4/10 |
| Banks | 7.7% | 8.1% | 8.4% | 8.1/10 |
| 30 year fixed rate | 7.4% | 7.3% | 7.7% | |
| 20 year fixed rate | 6.4% | 6.3% | 6.8% | |
| 10 year fixed rate | 6.4% | 6.5% | 6.6% | |
| 10 year ARM | 6.8% | 7.% | 7.5% | |
| 5 year ARM | 6.6% | 6.5% | 6.8% | |
| 3 year ARM | n/a % | n/a % | n/a % | |
| 30 year fixed rate FHA | 7.0% | 7.2% | 7.3% | |
| Satisfaction | 8.8/10 | 8.6/10 | 7.8/10 |
Source: MFP’s Community Home Purchase Rates Survey of 8,201 members in the last 30 days.
Home Purchase Loans: Members Satisfaction Survey
The survey collect information after members went through a home purchase mortgage. We collect data on the following points:
Rate & Fee Satisfaction:
Interest Rate: Satisfaction about the interest rate they received vs the rate they were offered.
Overall Fees: Satisfaction with the total fees associated with the home purchase.
Process Evaluation:
Application Process: Ease of completing the application process.
Communication: Clarity and frequency of communication from the lender throughout the process.
Speed: Speed of the overall home loan process.
Overall Satisfaction: Rating for the mortgage experience with their lender.