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The same mortgage lender will offer different rates to different borrowers – there’s just no way to guarantee a certain lender will offer universally low rates. The best mortgage lenders have three things in common: 1. They’re widely available. A mortgage company doesn’t have to be nationwide to be good.

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Leading the list in retail and wholesale performance are Wells Fargo with a 23.1 percent market share, Bank of America with an 18.2 percent market share and rounding out the top three is MetLife Bank.

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Current 30-year home financing costs are running about 4 percent. A 1 percentage point rise in mortgage rates would add close to $100 a month to the payments for an average preowned home in North.

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Mortgage rates are changing all the time, and despite being lower than they were 20 years ago, the current trend shows that rates are going up.

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