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 15-21, 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 ...