Compare the best mortgage refinance lenders and current rates for 2026. Expert guides on cash-out refinancing, closing costs, and when refinancing pays off.
See Best Lenders →| Lender | Best For |
|---|---|
| Better | Lowest rates, no lender fees, up to $3,500 in credits |
| Rocket Mortgage | Speedy closing — average 21 days, approval in 2 hours |
| LoanDepot | Fully remote online closings |
| PenFed Credit Union | Credit union rates, no closing costs on VA refinances |
| Movement Mortgage | FHA refinances, fast underwriting |
| Magnolia Bank | Digital tools, credit scores as low as 580 |
As of September 18, 2026, the average 30-year fixed refinance rate is 6.91% (6.98% APR) and the 15-year fixed is 6.31% (6.41% APR), according to Bankrate. Rates have climbed from a 2026 low of 6.09%, and cash-out refinances typically run higher than rate-and-term refinances since lenders take on more risk on the larger loan balance.
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