Fee Watch

Which lenders are cheapest after fees? Rate alone doesn't tell the full story. We rank by total real cost to the borrower.

Live from Bankrate
Sample data
Scenario:$450,000 home20% down30-year fixed740+ credit
1
Summit Credit Union
Best overallVisit site
Rate
6.375%
APR
6.52%
Lender Fees
$1,200
Monthly
$2,245
2
Clearpath Mortgage
Lowest feesVisit site
Rate
6.500%
APR
6.54%
Lender Fees
$450
Monthly
$2,271
3
Greenfield Home Loans
Lowest APRVisit site
Rate
6.250%
APR
6.48%
Lender Fees
$1,800
Monthly
$2,218
4
Pinnacle Lending
Lower rate, higher costVisit site
Rate
6.250%
APR
6.61%
Lender Fees
$2,800
Monthly
$2,218
5
Ridgeline Financial
Visit site
Rate
6.500%
APR
6.68%
Lender Fees
$3,100
Monthly
$2,271
6
Coastal Direct
Low upfront cashVisit site
Rate
6.125%
APR
6.59%
Lender Fees
$3,400
Monthly
$2,191

Rankings based on publicly available rate sheets and estimated lender fee disclosures. Actual costs may vary. LoanElk does not receive compensation from lenders shown here.

Product
Cities
Lenders
Fee explainers