9 out of 10 homebuyers overpay for their mortgage. You don’t have to.
Not because good rates don’t exist, but because the system isn’t built for people. Bankrate is. We make lenders compete for your loan, in real time, until the best rate wins.
Average saved by Bankrate mortgage users over 30 years
Banks and credit unions surveyed every week
Bankrate customers got better rates than 99% of banks in 2025
What's your next step?
Whether you're buying, saving, or paying down debt — most people leave money on the table. Here's how not to.
Buy a home
The average cost: $3,343 a year — just by not shopping their rate. On Bankrate, 100+ lenders compete for your loan so you see their best offer, not their opening one.
Refinance a mortgage
No deadline. No pressure. Just thousands in annual savings most borrowers never go looking for. 100+ banks and credit unions bidding in your favor.
Tap into home equity
The average homeowner is sitting on $299k in tappable equity in America — a record high. Access it at rates far below personal loans.
Your information is not shared until you decide to apply for an account or loan
Why Bankrate
Founded by a journalist to hold banks accountable
Independent since day one.
Americans use Bankrate every year
The most trusted name in rates.
saved by Bankrate members every year
Real money. Real people.
Official data provider to the Federal Reserve
The standard for rate data.
Bankrate is built for people, not banks
Your bank is a lender. It has a rate to protect. Bankrate isn’t a bank, isn’t a lender, and doesn’t make money on the rate you choose. Because we have no stake in which lender wins, neither do our recommendations.
The better rate exists. It just requires a place where lenders can’t avoid offering it.
See how Bankrate works for youTell us about your loan
Purchase, refinance, or home equity. No credit pull required.
Lenders compete for your business
You see their best offers, ranked by rate — not by who paid us.
You decide who to contact
Your information isn't shared until you choose.
The research banks don’t want you to read
Home equity rates rise, as Fed policymakers hold interest rates steady
Who we are and why we exist
About us
For over 40 years, we've had one job: show people what the market actually offers — not what their banks want them to see. Real data, better rates.
Our Founder
In 1982, journalist Robert K. Heady saw that people had no way to know if they were getting a fair deal from their bank. He built the solution.
Leadership
The executives, journalists, and analysts carrying the mission forward: to make sure people always know what the market actually offers.
Contact us
Press, editorial, partnership, and general inquiries. Every message reaches the right person.
