Mortgage lenders go head-to-head: See who has the best rates this week, Dec. 8-14, 2025
With the current state of the mortgage market, it’s becoming increasingly challenging for borrowers to decide which lender offers the best rates. In this article, we will discuss the top mortgage lenders that have been offering competitive rates recently, and provide you with a comprehensive comparison of their services.
Top Mortgage Lenders This Week
Among the top mortgage lenders this week, Wells Fargo, Bank of America, and Chase Bank stand out from the rest. Each of these lenders offers a wide range of mortgage options, competitive interest rates, and flexible loan terms.
Wells Fargo Mortgage Rates
Wells Fargo is currently offering a 30-year fixed mortgage rate of 4.375%, which is lower than the average 4.5% offered by other lenders. Additionally, they have a wide range of loan options, including adjustable-rate mortgages and jumbo loans.
Bank of America Mortgage Rates
Bank of America has also been offering competitive mortgage rates, with a 30-year fixed rate of 4.5%. They have a comprehensive mortgage program that includes low-down-payment options and flexible loan terms.
Chase Bank Mortgage Rates
Chase Bank offers a 30-year fixed mortgage rate of 4.625%, which is slightly higher than the rates offered by Wells Fargo and Bank of America. However, they do offer a range of home-buyer programs and flexible mortgage options for borrowers with limited credit history.
Mortgage Comparison Chart
The following table provides a side-by-side comparison of the top mortgage lenders this week:
- Lender, 30-Year Fixed Rate, 20% Down Payment, Refinancing Options
- Wells Fargo, 4.375%, 5/5 ARMs, 85% LTV, 3/2/5 Refinance
- Bank of America, 4.5%, 10/1 ARMs, 90% LTV, 5/3/5 Refinance
- Chase Bank, 4.625%, 5/5 ARMs, 75% LTV, 3/2/5 Refinance
While the top mortgage lenders this week have competitive rates, it’s essential to shop around and compare rates before making a decision. We recommend that you consult with a financial advisor to determine the best mortgage option for your specific financial situation.
The Federal Reserve is expected to maintain low interest rates, making it an excellent time for buyers to take advantage of low mortgage rates. To explore the mortgage market further, we recommend checking the Mortgage Rates page regularly.
