抵押贷款利率排名 - 截至11月24日当周，30年期固定利率常规贷款年利率最低的前三大贷款机构为花旗抵押贷款、海军联邦信用合作社和PenFed信用合作社，顺序较前一周略有变化[1] - 调查涵盖的贷款机构总数增至16家，其中Better Mortgage首次上榜即排名第5，Fifth Third银行排名第9，富国银行和美国银行被挤出前十[3] - 在16家受调查机构中，富国银行、PNC、美国银行、Flagstar银行、Rocket Mortgage和Third Federal未进入前十名[4] - 排名第一的花旗抵押贷款与垫底的Third Federal之间的年利率差达1.44个百分点[5] 行业趋势与特点 - 本周多数主要抵押贷款机构的利率小幅下调，信用合作社在低利率贷款机构调查中占据主导地位[3] - 海军联邦和PenFed是退伍军人贷款的主要提供者，但本次调查基于常规贷款利率；PenFed会员资格无军事背景限制，海军联邦则面向军事人员、退伍军人及其家属[4] 抵押贷款产品核心要素 - 年利率是衡量贷款成本的最重要指标，因其包含了贷款利率和贷款机构费用（如贷款发起费），能更准确地反映年度借款成本[2][9] - 贷款机构常包含抵押贷款折扣点以降低其报价利率，每个折扣点相当于贷款金额的1%，通常可降低利率约0.25%；例如，40万美元贷款的一个折扣点成本为4000美元，可将利率从6.25%降至6%[11][12] - 折扣点是可选的预付利息，借款人在获得贷款估算时有权拒绝并移除折扣点，但相应的贷款利率会更高[12] 贷款选择策略 - 货比三家是获得最低抵押贷款利率的关键，据Realtor.com分析，此举可在30年贷款期限内为借款人节省高达44,000美元[8] - 建议向三家或更多贷款机构询价时，要求其提供零折扣点的抵押贷款利率报价，并重点关注年利率以便进行准确的并排比较[13]

The top three mortgage lenders with the best rates remain the same this week, though with a slight change in ranking: Navy Federal Credit Union, Citi Mortgage, and PenFed Credit Union, according to a survey conducted by Yahoo Finance. Lenders were ranked by annual percentage rate (APR), which includes lender fees. The mortgage lenders with the best rates: December 8, 2025 Here are the 10 mortgage lenders with the best interest rates this week, as determined by our survey of the lowest mortgage rates on ...

本周最优贷款利率提供商 - 根据年度百分比率排名 本周提供最优贷款利率的机构包括PenFed Credit Union Chase Home Lending和U S Bank [1] 美联储降息对抵押贷款利率的影响 - 美联储在2025年进行了第二次联邦基金利率下调 但这并不保证抵押贷款利率会立即随之降低 [2] - 美联储对抵押贷款利率有影响力但无控制权 然而贷款机构可能顺应消费者需求调整其产品 [2] - 例如Rocket Mortgage在其网站明确宣布因美联储降息0 25%而同步下调利率 并且其30年期固定利率在本周调查中位列前十 [3] 抵押贷款利率调查方法与注意事项 - 公布的样本抵押贷款利率基于通用假设 会因信用评分 首付比例 地理位置等个人信用状况而异 [5] - 调查中如需额外信息 会采用中位房屋价值 中位信用评分以及20%首付 且房屋位于中西部地区的假设 [6] - 获取最低抵押贷款利率的关键在于多方比价 [7] 抵押贷款年度百分比率的重要性 - 年度百分比率是衡量借贷年成本的最准确指标 因为它包含了利率和贷款机构费用 [8] - 建议借款人关注年度百分比率而非通常被重点宣传的利率 以便进行准确比较 [8] 折扣点与贷款机构积分的影响 - 折扣点是预付利息 为降低利率的预付费 每一点相当于贷款金额的1% 通常可降低利率约0 25% 例如在40万美元贷款上花费4000美元可令利率从6 25%降至6% [9][10] - 另一方面 Truist提供了负点数 即贷款机构积分 这实际上是将积分用于抵扣交易成本 而非增加贷款费用 [11] - 借款人有权在收到贷款估算后拒绝折扣点 但这会导致利率升高 [11] 简化贷款利率比较流程的建议 - 在向三家或以上贷款机构询价时 可要求他们提供零折扣点的抵押贷款利率报价 [12] - 然后专注于比较年度百分比率 以便进行并排的利率和费用准确对比 [12]

The top three mortgage lenders with the lowest mortgage rates remain the same this week, though with a slight change in ranking: Navy Federal Credit Union, Citi Mortgage, and PenFed Credit Union, according to a survey conducted by Yahoo Finance. Lenders were ranked by annual percentage rate (APR), which includes lender fees. The mortgage lenders with the best rates: December 8-14, 2025 Here are the 10 mortgage lenders with the best interest rates this week, as determined by our survey of the lowest mor ...

The top three mortgage lenders with the lowest rates remain unchanged this week: Navy Federal Credit Union, Citi Mortgage, and PenFed Credit Union, according to a survey conducted by Yahoo Finance. Lenders were ranked by annual percentage rate (APR), which includes lender fees. The mortgage lenders with the best rates: December 15, 2025 Here are the 10 mortgage lenders with the best interest rates this week, as determined by our survey of the lowest mortgage rates on 30-year, fixed-rate conventional lo ...