{"id":7810,"date":"2026-07-12T18:09:02","date_gmt":"2026-07-13T01:09:02","guid":{"rendered":"https:\/\/blog.loaning.ai\/en\/?p=7810"},"modified":"2026-07-14T01:23:54","modified_gmt":"2026-07-14T08:23:54","slug":"rocket-mortgage-vs-loaning-ai-rates","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/en\/7810\/","title":{"rendered":"Rocket Mortgage Refinance Rates | See This Week&#8217;s Rates"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\" style=\"font-size:16px\">\n<p class=\"wp-block-paragraph\" style=\"font-size:16px\">Rocket Mortgage Refinance Rates vs Loaning.ai Refinance Rates<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Having more options to compare can often lead to a better decision.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Freddie Mac research supports this idea: Homebuyers who received mortgage quotes from at least four lenders could save more than $1,200 per year. Rather than settling for the first offer, it pays to compare rates, fees and loan terms carefully.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Still, reviewing multiple lenders can be complicated and time-consuming.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To make mortgage shopping easier, Loaning.ai compared Rocket Mortgage\u2019s key loan products with Loaning.ai offers under similar conditions. Let\u2019s take a closer look at how the rates and overall borrowing costs compare.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-rocket-mortgage-refinance-rates-overview\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Rocket Mortgage Refinance Rates : Overview<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Rocket Mortgage is one of the larger mortgage lenders in the U.S., offering various loan products through an online lending platform. Its scale gives the company access to substantial technology and operational resources compared with many smaller web-based lenders. Its mortgage rates may be competitive in some cases, but the actual rate and overall loan cost will depend on the borrower\u2019s qualifications, selected loan program and current market conditions.<\/p>\n\n\n\n<section class=\"rocket-rate-section\">\n\n  <div class=\"rocket-rate-wrap\">\n\n    <div class=\"rocket-rate-grid\">\n\n      <!-- 30-year fixed -->\n      <article class=\"rocket-rate-card\">\n\n        <h2 class=\"rocket-product-title\">30-year fixed<\/h2>\n\n        <div class=\"rocket-card-divider\"><\/div>\n\n        <div class=\"rocket-rate-list\">\n\n          <div class=\"rocket-rate-row\">\n            <span class=\"rocket-rate-label\">Rate<\/span>\n            <strong class=\"rocket-rate-value\">6.25%<\/strong>\n          <\/div>\n\n          <div class=\"rocket-rate-row\">\n            <span class=\"rocket-rate-label\">APR<\/span>\n            <strong class=\"rocket-rate-value\">6.52%<\/strong>\n          <\/div>\n\n          <div class=\"rocket-rate-row\">\n            <span class=\"rocket-rate-label\">Monthly Payment<\/span>\n            <strong class=\"rocket-rate-value\">$1,694<\/strong>\n          <\/div>\n\n          <div class=\"rocket-rate-row\">\n            <span class=\"rocket-rate-label\">Points \/ Credits<\/span>\n\n            <span class=\"rocket-rate-value-group\">\n              <strong class=\"rocket-rate-value\">1.625<\/strong>\n              <small>($4,469)<\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n      <\/article>\n\n\n      <!-- 15-year fixed -->\n      <article class=\"rocket-rate-card\">\n\n        <h2 class=\"rocket-product-title\">15-year fixed<\/h2>\n\n        <div class=\"rocket-card-divider\"><\/div>\n\n        <div class=\"rocket-rate-list\">\n\n          <div class=\"rocket-rate-row\">\n            <span class=\"rocket-rate-label\">Rate<\/span>\n            <strong class=\"rocket-rate-value\">5.625%<\/strong>\n          <\/div>\n\n          <div class=\"rocket-rate-row\">\n            <span class=\"rocket-rate-label\">APR<\/span>\n            <strong class=\"rocket-rate-value\">6.06%<\/strong>\n          <\/div>\n\n          <div class=\"rocket-rate-row\">\n            <span class=\"rocket-rate-label\">Monthly Payment<\/span>\n            <strong class=\"rocket-rate-value\">$2,266<\/strong>\n          <\/div>\n\n          <div class=\"rocket-rate-row\">\n            <span class=\"rocket-rate-label\">Points \/ Credits<\/span>\n\n            <span class=\"rocket-rate-value-group\">\n              <strong class=\"rocket-rate-value\">1.625<\/strong>\n              <small>($4,469)<\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n      <\/article>\n\n    <\/div>\n\n\n    <!-- Disclosure -->\n    <div class=\"rocket-rate-disclosure\">\n      <p>\n        The comparison above is an example based on the same loan assumptions.\n        Actual rates, APRs, monthly payments, and points or credits may vary\n        depending on the date of the quote, credit score, income,\n        debt-to-income ratio, property type, location, and underwriting results.<\/br>\n        Rocket Mortgage rates are current as of 11:49 PM UTC on July 12, 2026.\n      <\/p>\n    <\/div>\n\n  <\/div>\n\n<\/section>\n\n\n<style>\n  .rocket-rate-section,\n  .rocket-rate-section * {\n    box-sizing: border-box;\n  }\n\n  .rocket-rate-section {\n    width: 100%;\n    max-width: 100%;\n    margin: 28px 0;\n    font-family:\n      Pretendard,\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n    color: #111111;\n  }\n\n  .rocket-rate-wrap {\n    width: 100%;\n    padding: 24px;\n    background: #f6f6f6;\n    border-radius: 18px;\n  }\n\n  \/*\n   * 30-year left \/ 15-year right\n   *\/\n  .rocket-rate-grid {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 12px;\n    align-items: stretch;\n  }\n\n  .rocket-rate-card {\n    min-width: 0;\n    padding: 22px 22px 24px;\n    background: #ffffff;\n    border: 1px solid #dedede;\n    border-radius: 15px;\n  }\n\n  .rocket-product-title {\n    margin: 0;\n    font-size: 21px;\n    line-height: 1.25;\n    font-weight: 750;\n    letter-spacing: -0.4px;\n    color: #111111;\n    white-space: nowrap;\n  }\n\n  .rocket-card-divider {\n    width: 100%;\n    height: 1px;\n    margin: 17px 0 10px;\n    background: #dddddd;\n  }\n\n  .rocket-rate-list {\n    display: flex;\n    flex-direction: column;\n    min-width: 0;\n  }\n\n  .rocket-rate-row {\n    display: grid;\n    grid-template-columns: minmax(0, 1fr) auto;\n    align-items: center;\n    gap: 10px;\n    min-width: 0;\n    padding: 10px 0;\n    border-bottom: 1px solid #e7e7e7;\n  }\n\n  .rocket-rate-row:last-child {\n    border-bottom: 0;\n  }\n\n  .rocket-rate-label {\n    min-width: 0;\n    font-size: 14px;\n    line-height: 1.35;\n    font-weight: 400;\n    color: #4e4e4e;\n    word-break: normal;\n    overflow-wrap: normal;\n  }\n\n  .rocket-rate-value {\n    display: block;\n    min-width: 0;\n    font-size: 17px;\n    line-height: 1.2;\n    font-weight: 750;\n    letter-spacing: -0.25px;\n    color: #111111;\n    text-align: right;\n    white-space: nowrap;\n  }\n\n  .rocket-rate-value-group {\n    display: flex;\n    flex-direction: column;\n    align-items: flex-end;\n    gap: 2px;\n    min-width: 0;\n    text-align: right;\n  }\n\n  .rocket-rate-value-group small {\n    display: block;\n    font-size: 9px;\n    line-height: 1.35;\n    color: #777777;\n    white-space: nowrap;\n  }\n\n  .rocket-rate-disclosure {\n    margin-top: 10px;\n    padding: 10px 13px;\n    background: #eeeeee;\n    border-radius: 9px;\n  }\n\n  .rocket-rate-disclosure p {\n    margin: 0;\n    font-size: 8px;\n    line-height: 1.5;\n    font-weight: 400;\n    letter-spacing: -0.03px;\n    color: #666666;\n  }\n\n  \/*\n   * Tablet\n   *\/\n  @media (max-width: 760px) {\n    .rocket-rate-wrap {\n      padding: 18px;\n      border-radius: 16px;\n    }\n\n    .rocket-rate-grid {\n      gap: 8px;\n    }\n\n    .rocket-rate-card {\n      padding: 18px 15px 20px;\n      border-radius: 13px;\n    }\n\n    .rocket-product-title {\n      font-size: 18px;\n    }\n\n    .rocket-card-divider {\n      margin: 14px 0 8px;\n    }\n\n    .rocket-rate-row {\n      gap: 7px;\n      padding: 8px 0;\n    }\n\n    .rocket-rate-label {\n      font-size: 11px;\n    }\n\n    .rocket-rate-value {\n      font-size: 14px;\n    }\n\n    .rocket-rate-value-group small {\n      font-size: 8px;\n    }\n\n    .rocket-rate-disclosure p {\n      font-size: 7.5px;\n    }\n  }\n\n  \/*\n   * Mobile\n   *\/\n  @media (max-width: 520px) {\n    .rocket-rate-wrap {\n      padding: 14px;\n    }\n\n    .rocket-rate-grid {\n      grid-template-columns: 1fr;\n      gap: 8px;\n    }\n\n    .rocket-rate-card {\n      padding: 19px 18px;\n    }\n\n    .rocket-product-title {\n      font-size: 19px;\n    }\n\n    .rocket-rate-row {\n      grid-template-columns: minmax(0, 1fr) auto;\n      gap: 12px;\n      padding: 9px 0;\n    }\n\n    .rocket-rate-label {\n      font-size: 13px;\n    }\n\n    .rocket-rate-value {\n      font-size: 16px;\n    }\n\n    .rocket-rate-value-group small {\n      font-size: 9px;\n    }\n  }\n\n  @media (max-width: 360px) {\n    .rocket-rate-card {\n      padding: 17px 14px;\n    }\n\n    .rocket-product-title {\n      font-size: 18px;\n    }\n\n    .rocket-rate-label {\n      font-size: 12px;\n    }\n\n    .rocket-rate-value {\n      font-size: 15px;\n    }\n  }\n<\/style>\n\n\n\n<p class=\"wp-block-paragraph\">Rocket Mortgage also includes fixed-rate, adjustable-rate, jumbo, FHA, USDA and VA loans in its portfolio. Fixed-rate options come in 30- and 15-year terms, while ARMs are available in 5\/1, 7\/1 and 10\/1 intervals. Once the 5-, 7- or 10-year initial payment period of your Rocket Mortgage ARM passes, your rate will follow the LIBOR index.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jumbo loans are mortgages that are worth $832,750 or more, though Rocket Mortgage caps what they offer at $3 million. The company also requires a minimum credit score of 680 for approval, with rates only shown to you once you initiate the application process.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-2 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-what-your-monthly-mortgage-payments-could-be-with-rocket-mortgage-refinance-rates\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>What Your Monthly Mortgage Payments Could Be With Rocket Mortgage Refinance Rates<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While the interest rate and APR of your&nbsp;Rocket Mortgage are an important part of determining how much you&#8217;ll owe, the value of your home is also important in determining your monthly payment. Your home value can be used to determine your down payment, closing costs, loan amount and more. It&#8217;s up to the person taking out a mortgage to determine how much of a down payment they&#8217;d like to make.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s what you&#8217;re likely to pay over the life of a couple different mortgage options from Rocket Mortgage. There are lots of variables that go into accurately determining this number, so its reasonable to expect slightly different results.<\/p>\n\n\n\n<div class=\"rocket-payment-table\">\n\n  <table>\n    <colgroup>\n      <col class=\"rocket-col-mortgage\" \/>\n      <col class=\"rocket-col-rate\" \/>\n      <col class=\"rocket-col-loan\" \/>\n      <col class=\"rocket-col-payment\" \/>\n    <\/colgroup>\n\n    <thead>\n      <tr>\n        <th scope=\"col\">Mortgage<\/th>\n        <th scope=\"col\">Interest Rate<\/th>\n        <th scope=\"col\">Loan Size<\/th>\n        <th scope=\"col\">Your Payments<\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n\n      <!-- 30-year fixed -->\n      <tr>\n        <th scope=\"row\">30-Year Fixed<\/th>\n\n        <td>6.25%<\/td>\n\n        <td>$275,000<\/td>\n\n        <td>\n          <span class=\"rocket-payment-amount\">$1,694\/month<\/span>\n          <span class=\"rocket-payment-term\">for 30 years<\/span>\n        <\/td>\n      <\/tr>\n\n      <!-- 15-year fixed -->\n      <tr>\n        <th scope=\"row\">15-Year Fixed<\/th>\n\n        <td>5.625%<\/td>\n\n        <td>$275,000<\/td>\n\n        <td>\n          <span class=\"rocket-payment-amount\">$2,266\/month<\/span>\n          <span class=\"rocket-payment-term\">for 15 years<\/span>\n        <\/td>\n      <\/tr>\n\n    <\/tbody>\n  <\/table>\n\n  <div class=\"rocket-payment-disclosure\">\n    <p>\n      These payment calculations are based on a loan amount of $275,000 and\n      include principal and interest only. They do not include homeowners\n      insurance, property taxes, mortgage insurance, HOA fees, or closing costs.\n    <\/p>\n  <\/div>\n\n<\/div>\n\n\n<style>\n  .rocket-payment-table,\n  .rocket-payment-table * {\n    box-sizing: border-box;\n  }\n\n  .rocket-payment-table {\n    width: 100%;\n    max-width: 100%;\n    margin: 20px 0 26px;\n    overflow: hidden;\n    background-color: #ffffff;\n    border: 1px solid #dbeafe;\n    border-radius: 12px;\n    box-shadow: 0 6px 20px rgba(37, 99, 235, 0.05);\n    font-family:\n      \"Pretendard\",\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Apple SD Gothic Neo\",\n      Arial,\n      sans-serif;\n  }\n\n  .rocket-payment-table table {\n    display: table;\n    width: 100% !important;\n    max-width: 100% !important;\n    min-width: 0 !important;\n    margin: 0 !important;\n    margin-left: 0 !important;\n    padding: 0;\n    table-layout: fixed;\n    border-collapse: collapse;\n    border-spacing: 0;\n    border: 0;\n  }\n\n  \/*\n   * \uac01 \uc5f4\uc758 \ub108\ube44\n   *\/\n  .rocket-col-mortgage {\n    width: 26%;\n  }\n\n  .rocket-col-rate {\n    width: 20%;\n  }\n\n  .rocket-col-loan {\n    width: 20%;\n  }\n\n  .rocket-col-payment {\n    width: 34%;\n  }\n\n  .rocket-payment-table th,\n  .rocket-payment-table td {\n    min-width: 0;\n    padding: 18px 16px;\n    vertical-align: middle;\n    text-align: left;\n    border-right: 1px solid #e5edf8;\n    border-bottom: 1px solid #e5edf8;\n\n    \/*\n     * \uc140 \uc548\uc758 \ud14d\uc2a4\ud2b8\uac00 \ud45c\ub97c \ub113\ud788\uc9c0 \uc54a\ub3c4\ub85d \ucc98\ub9ac\n     *\/\n    white-space: normal;\n    word-break: normal;\n    overflow-wrap: break-word;\n  }\n\n  .rocket-payment-table th:last-child,\n  .rocket-payment-table td:last-child {\n    border-right: 0;\n  }\n\n  .rocket-payment-table thead th {\n    background-color: #f3f8ff;\n    color: #1f2937;\n    font-size: 14px;\n    line-height: 1.35;\n    font-weight: 700;\n  }\n\n  .rocket-payment-table tbody th {\n    color: #374151;\n    font-size: 14px;\n    line-height: 1.4;\n    font-weight: 700;\n  }\n\n  .rocket-payment-table tbody td {\n    color: #374151;\n    font-size: 14px;\n    line-height: 1.45;\n    font-weight: 400;\n  }\n\n  .rocket-payment-table tbody tr:first-child th,\n  .rocket-payment-table tbody tr:first-child td {\n    background-color: #f9fbff;\n  }\n\n  .rocket-payment-table tbody tr:last-child th,\n  .rocket-payment-table tbody tr:last-child td {\n    background-color: #ffffff;\n    border-bottom: 0;\n  }\n\n  \/*\n   * \uc6d4 \ub0a9\uc785\uae08\uc740 \uae08\uc561\uacfc \uae30\uac04\uc744 \ubd84\ub9ac\ud574\n   * \uc881\uc740 \ud654\uba74\uc5d0\uc11c\ub3c4 \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc904\ubc14\uafc8\n   *\/\n  .rocket-payment-amount,\n  .rocket-payment-term {\n    display: inline;\n  }\n\n  .rocket-payment-amount {\n    font-weight: 500;\n  }\n\n  .rocket-payment-disclosure {\n    padding: 12px 16px;\n    background-color: #eef2f7;\n    border-top: 1px solid #dbeafe;\n  }\n\n  .rocket-payment-disclosure p {\n    margin: 0;\n    color: #4b5563;\n    font-size: 9px;\n    line-height: 1.55;\n    font-weight: 600;\n    font-style: italic;\n    white-space: normal;\n    overflow-wrap: break-word;\n  }\n\n  \/*\n   * \ud0dc\ube14\ub9bf\n   *\/\n  @media (max-width: 760px) {\n    .rocket-col-mortgage {\n      width: 25%;\n    }\n\n    .rocket-col-rate {\n      width: 19%;\n    }\n\n    .rocket-col-loan {\n      width: 20%;\n    }\n\n    .rocket-col-payment {\n      width: 36%;\n    }\n\n    .rocket-payment-table th,\n    .rocket-payment-table td {\n      padding: 14px 11px;\n    }\n\n    .rocket-payment-table thead th {\n      font-size: 12px;\n    }\n\n    .rocket-payment-table tbody th,\n    .rocket-payment-table tbody td {\n      font-size: 12px;\n    }\n\n    .rocket-payment-amount,\n    .rocket-payment-term {\n      display: block;\n    }\n\n    .rocket-payment-term {\n      margin-top: 2px;\n    }\n  }\n\n  \/*\n   * \ubaa8\ubc14\uc77c\n   *\/\n  @media (max-width: 520px) {\n    .rocket-col-mortgage {\n      width: 25%;\n    }\n\n    .rocket-col-rate {\n      width: 18%;\n    }\n\n    .rocket-col-loan {\n      width: 20%;\n    }\n\n    .rocket-col-payment {\n      width: 37%;\n    }\n\n    .rocket-payment-table th,\n    .rocket-payment-table td {\n      padding: 12px 7px;\n    }\n\n    .rocket-payment-table thead th {\n      font-size: 10px;\n      line-height: 1.3;\n    }\n\n    .rocket-payment-table tbody th,\n    .rocket-payment-table tbody td {\n      font-size: 10px;\n      line-height: 1.35;\n    }\n\n    .rocket-payment-disclosure {\n      padding: 10px 11px;\n    }\n\n    .rocket-payment-disclosure p {\n      font-size: 7.5px;\n      line-height: 1.5;\n    }\n  }\n\n  \/*\n   * \ub9e4\uc6b0 \uc791\uc740 \ud654\uba74\n   *\/\n  @media (max-width: 380px) {\n    .rocket-payment-table th,\n    .rocket-payment-table td {\n      padding: 10px 5px;\n    }\n\n    .rocket-payment-table thead th {\n      font-size: 9px;\n    }\n\n    .rocket-payment-table tbody th,\n    .rocket-payment-table tbody td {\n      font-size: 9px;\n    }\n  }\n<\/style>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-3 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-how-rocket-mortgage-refinance-rates-compares-to-other-lenders\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>How Rocket Mortgage <strong>Refinance Rates<\/strong><\/strong> <strong>Compares to Other Lenders<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Rocket Mortgage offers competitive rates compared with many lenders. However, in the same-condition comparison shown below, Loaning.ai provides a lower rate and lower upfront points or credits. As an online mortgage lender, Loaning.ai may be able to operate with lower overhead than lenders that maintain extensive branch networks, though actual pricing depends on each borrower\u2019s profile and loan details. Compare the rates for yourself below. &nbsp;<\/p>\n\n\n\n<section class=\"rate-comparison-section\">\n\n  <!-- 30-year fixed -->\n  <div class=\"rate-product-group\">\n\n    <h2 class=\"rate-product-title\">30-year fixed<\/h2>\n\n    <div class=\"rate-lender-grid\">\n\n      <!-- Rocket Mortgage -->\n      <article class=\"rate-lender-card\">\n\n        <h3 class=\"rate-lender-name\">Rocket Mortgage<\/h3>\n\n        <div class=\"rate-card-divider\"><\/div>\n\n        <div class=\"rate-data-list\">\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Rate<\/span>\n            <strong class=\"rate-data-value\">6.25%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">APR<\/span>\n            <strong class=\"rate-data-value\">6.52%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Monthly Payment<\/span>\n            <strong class=\"rate-data-value\">$1,694<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Points \/ Credits<\/span>\n\n            <span class=\"rate-value-group\">\n              <strong class=\"rate-data-value\">$4,469<\/strong>\n              <small>(1.625 points)<\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n\n      <!-- Loaning.ai -->\n      <article class=\"rate-lender-card rate-lender-card-featured\">\n\n        <h3 class=\"rate-lender-name\">Loaning.ai<\/h3>\n\n        <div class=\"rate-card-divider\"><\/div>\n\n        <div class=\"rate-data-list\">\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Rate<\/span>\n            <strong class=\"rate-data-value\">5.750%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">APR<\/span>\n            <strong class=\"rate-data-value\">5.856%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Monthly Payment<\/span>\n            <strong class=\"rate-data-value\">$1,746.70<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Points \/ Credits<\/span>\n\n            <span class=\"rate-value-group\">\n              <strong class=\"rate-data-value\">$687.50<\/strong>\n              <small>(0.250 points)<\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n    <\/div>\n\n  <\/div>\n\n\n  <!-- 15-year fixed -->\n  <div class=\"rate-product-group\">\n\n    <h2 class=\"rate-product-title\">15-year fixed<\/h2>\n\n    <div class=\"rate-lender-grid\">\n\n      <!-- Rocket Mortgage -->\n      <article class=\"rate-lender-card\">\n\n        <h3 class=\"rate-lender-name\">Rocket Mortgage<\/h3>\n\n        <div class=\"rate-card-divider\"><\/div>\n\n        <div class=\"rate-data-list\">\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Rate<\/span>\n            <strong class=\"rate-data-value\">5.625%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">APR<\/span>\n            <strong class=\"rate-data-value\">6.06%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Monthly Payment<\/span>\n            <strong class=\"rate-data-value\">$2,266<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Points \/ Credits<\/span>\n\n            <span class=\"rate-value-group\">\n              <strong class=\"rate-data-value\">$4,469<\/strong>\n              <small>(1.625 points)<\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n\n      <!-- Loaning.ai -->\n      <article class=\"rate-lender-card rate-lender-card-featured\">\n\n        <h3 class=\"rate-lender-name\">Loaning.ai<\/h3>\n\n        <div class=\"rate-card-divider\"><\/div>\n\n        <div class=\"rate-data-list\">\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Rate<\/span>\n            <strong class=\"rate-data-value\">5.500%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">APR<\/span>\n            <strong class=\"rate-data-value\">5.638%<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Monthly Payment<\/span>\n            <strong class=\"rate-data-value\">$2,398.17<\/strong>\n          <\/div>\n\n          <div class=\"rate-data-row\">\n            <span class=\"rate-data-label\">Points \/ Credits<\/span>\n\n            <span class=\"rate-value-group\">\n              <strong class=\"rate-data-value\">$0.00<\/strong>\n              <small>(0.000 points)<\/small>\n            <\/span>\n          <\/div>\n\n        <\/div>\n\n      <\/article>\n\n    <\/div>\n\n  <\/div>\n\n\n  <!-- Disclosure -->\n  <div class=\"rate-comparison-disclosure\">\n    <p>\n      The comparison above is an example based on the loan assumptions used\n      for each displayed quote. The Loaning.ai estimates shown are FHA loan\n      estimates, and their monthly payments include principal, interest,\n      upfront mortgage insurance and monthly mortgage insurance. Taxes,\n      homeowners insurance and HOA fees are not included. Actual rates, APRs,\n      monthly payments and points or credits may vary depending on the quote\n      date, credit score, income, debt-to-income ratio, property type, location\n      and underwriting results. Rocket Mortgage rates are current as of\n      11:49 PM UTC on July 12, 2026.\n    <\/p>\n  <\/div>\n\n<\/section>\n\n\n<style>\n  .rate-comparison-section,\n  .rate-comparison-section * {\n    box-sizing: border-box;\n  }\n\n  .rate-comparison-section {\n    width: 100%;\n    max-width: 100%;\n    margin: 28px 0;\n    font-family:\n      Pretendard,\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n    color: #111111;\n  }\n\n  .rate-product-group {\n    width: 100%;\n    margin-bottom: 14px;\n    padding: 24px 26px 26px;\n    background: #f6f6f6;\n    border-radius: 18px;\n  }\n\n  .rate-product-title {\n    margin: 0 0 18px;\n    font-size: 25px;\n    line-height: 1.25;\n    font-weight: 750;\n    letter-spacing: -0.55px;\n    color: #111111;\n  }\n\n  .rate-lender-grid {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 12px;\n    align-items: stretch;\n  }\n\n  .rate-lender-card {\n    min-width: 0;\n    padding: 21px 22px 22px;\n    background: #ffffff;\n    border: 1px solid #dedede;\n    border-radius: 15px;\n  }\n\n  .rate-lender-card-featured {\n    background: #eef7ff;\n    border: 2px solid #0868ca;\n  }\n\n  .rate-lender-name {\n    margin: 0;\n    font-size: 20px;\n    line-height: 1.25;\n    font-weight: 750;\n    letter-spacing: -0.4px;\n    color: #111111;\n  }\n\n  .rate-lender-card-featured .rate-lender-name {\n    color: #0868ca;\n  }\n\n  .rate-card-divider {\n    width: 100%;\n    height: 1px;\n    margin: 15px 0 10px;\n    background: #dddddd;\n  }\n\n  .rate-lender-card-featured .rate-card-divider {\n    background: #bfdcf5;\n  }\n\n  .rate-data-list {\n    display: flex;\n    flex-direction: column;\n    min-width: 0;\n  }\n\n  .rate-data-row {\n    display: grid;\n    grid-template-columns: minmax(0, 1fr) auto;\n    align-items: center;\n    gap: 10px;\n    min-width: 0;\n    padding: 10px 0;\n    border-bottom: 1px solid #e7e7e7;\n  }\n\n  .rate-data-row:last-child {\n    border-bottom: 0;\n  }\n\n  .rate-data-label {\n    min-width: 0;\n    font-size: 14px;\n    line-height: 1.35;\n    font-weight: 400;\n    color: #4e4e4e;\n    word-break: normal;\n    overflow-wrap: normal;\n  }\n\n  .rate-data-value {\n    display: block;\n    min-width: 0;\n    font-size: 16px;\n    line-height: 1.2;\n    font-weight: 750;\n    letter-spacing: -0.25px;\n    color: #111111;\n    text-align: right;\n    white-space: nowrap;\n  }\n\n  .rate-lender-card-featured .rate-data-value {\n    color: #064c91;\n  }\n\n  .rate-value-group {\n    display: flex;\n    flex-direction: column;\n    align-items: flex-end;\n    gap: 3px;\n    min-width: 0;\n    text-align: right;\n  }\n\n  .rate-value-group small {\n    display: block;\n    color: #777777;\n    font-size: 9px;\n    line-height: 1.35;\n    font-weight: 400;\n    white-space: nowrap;\n  }\n\n  .rate-comparison-disclosure {\n    margin-top: 10px;\n    padding: 10px 13px;\n    background: #eeeeee;\n    border-radius: 9px;\n  }\n\n  .rate-comparison-disclosure p {\n    margin: 0;\n    color: #666666;\n    font-size: 8px;\n    line-height: 1.5;\n    font-weight: 400;\n    letter-spacing: -0.03px;\n  }\n\n  @media (max-width: 760px) {\n    .rate-product-group {\n      margin-bottom: 12px;\n      padding: 20px 16px 22px;\n      border-radius: 16px;\n    }\n\n    .rate-product-title {\n      margin-bottom: 15px;\n      font-size: 21px;\n    }\n\n    .rate-lender-grid {\n      gap: 8px;\n    }\n\n    .rate-lender-card {\n      padding: 17px 14px 18px;\n      border-radius: 13px;\n    }\n\n    .rate-lender-name {\n      font-size: 17px;\n    }\n\n    .rate-card-divider {\n      margin: 13px 0 8px;\n    }\n\n    .rate-data-row {\n      gap: 7px;\n      padding: 8px 0;\n    }\n\n    .rate-data-label {\n      font-size: 11px;\n    }\n\n    .rate-data-value {\n      font-size: 14px;\n    }\n\n    .rate-value-group small {\n      font-size: 8px;\n    }\n\n    .rate-comparison-disclosure p {\n      font-size: 7.5px;\n    }\n  }\n\n  @media (max-width: 520px) {\n    .rate-product-group {\n      padding: 20px 14px;\n    }\n\n    .rate-lender-grid {\n      grid-template-columns: 1fr;\n      gap: 8px;\n    }\n\n    .rate-lender-card {\n      padding: 19px 18px;\n    }\n\n    .rate-lender-name {\n      font-size: 19px;\n    }\n\n    .rate-data-row {\n      grid-template-columns: minmax(0, 1fr) auto;\n      gap: 12px;\n      padding: 9px 0;\n    }\n\n    .rate-data-label {\n      font-size: 13px;\n    }\n\n    .rate-data-value {\n      font-size: 16px;\n    }\n\n    .rate-value-group small {\n      font-size: 9px;\n    }\n\n    .rate-comparison-disclosure {\n      margin-top: 8px;\n      padding: 9px 11px;\n    }\n\n    .rate-comparison-disclosure p {\n      font-size: 7.5px;\n      line-height: 1.5;\n    }\n  }\n\n  @media (max-width: 360px) {\n    .rate-product-group {\n      padding: 18px 11px;\n    }\n\n    .rate-lender-card {\n      padding: 17px 14px;\n    }\n\n    .rate-product-title {\n      font-size: 20px;\n    }\n\n    .rate-lender-name {\n      font-size: 18px;\n    }\n\n    .rate-data-label {\n      font-size: 12px;\n    }\n\n    .rate-data-value {\n      font-size: 15px;\n    }\n  }\n<\/style>\n\n\n\n<details class=\"mortgage-legal-details\">\n  <summary class=\"mortgage-legal-summary\">\n    Legal Disclosures\n    <span class=\"mortgage-legal-icon\" aria-hidden=\"true\"><\/span>\n  <\/summary>\n\n  <div class=\"mortgage-legal-content\">\n\n    <p>\n      The rates and payment examples shown above are provided for illustrative\n      and comparison purposes only. They are not a commitment to lend, a rate\n      lock, an approval, or a guarantee of available loan terms.\n    <\/p>\n\n    <p>\n      <strong>General assumptions:<\/strong> The examples are based on a\n      $275,000 refinance loan, an estimated property value of approximately\n      $458,333, a 60% loan-to-value ratio (LTV), a credit score of 740, and a\n      debt-to-income ratio below 43%. The property is assumed to be an\n      owner-occupied, single-family primary residence, and the borrower is\n      assumed to be a U.S. citizen receiving W-2 income. Property taxes and\n      homeowners insurance are assumed to be paid through an escrow account.\n    <\/p>\n\n    <p>\n      <strong>Rocket Mortgage examples:<\/strong> The Rocket Mortgage figures\n      shown are fixed-rate refinance examples based on a $275,000 loan amount.\n      The displayed monthly payments represent estimated principal and interest\n      only and do not include property taxes, homeowners insurance, mortgage\n      insurance, HOA dues, prepaid items, closing costs, or other expenses.\n      The 30-year and 15-year examples include 1.625 discount points, shown as\n      approximately $4,469.\n    <\/p>\n\n    <p>\n      <strong>Loaning.ai examples:<\/strong> The Loaning.ai figures shown are FHA\n      refinance estimates based on the assumptions described above. The\n      displayed monthly payments include estimated principal, interest, upfront\n      mortgage insurance reflected in the estimate, and monthly Mortgage\n      Insurance Premium (MIP). They exclude property taxes, homeowners\n      insurance, HOA dues, closing costs, prepaid items, and other expenses.\n    <\/p>\n\n    <ul>\n      <li>\n        <strong>30-year FHA fixed:<\/strong> 5.750% interest rate, 5.856% APR,\n        $1,746.70 estimated monthly payment, and 0.250 points ($687.50).\n      <\/li>\n\n      <li>\n        <strong>15-year FHA fixed:<\/strong> 5.500% interest rate, 5.638% APR,\n        $2,398.17 estimated monthly payment, and 0.000 points ($0.00).\n      <\/li>\n    <\/ul>\n\n    <p>\n      FHA loans generally require an upfront Mortgage Insurance Premium and an\n      annual Mortgage Insurance Premium collected through monthly installments.\n      The amount and duration of mortgage insurance may vary based on the loan\n      term, loan amount, LTV, and applicable FHA requirements.\n    <\/p>\n\n    <p>\n      The interest rate and APR are different measures. The interest rate\n      reflects the cost of borrowing the principal, while the APR may include\n      the interest rate, discount points, and certain lender or loan charges.\n      Points and lender credits may change the interest rate and the amount due\n      at closing.\n    <\/p>\n\n    <p>\n      The Rocket Mortgage and Loaning.ai examples involve different loan\n      products and payment structures. As a result, the displayed interest\n      rates, APRs, monthly payments, and upfront costs should not be interpreted\n      as a like-for-like comparison of identical loan programs.\n    <\/p>\n\n    <p>\n      Actual rates, APRs, monthly payments, points, credits, closing costs, and\n      eligibility may vary based on market conditions, quote date and time,\n      credit history, income, assets, debt obligations, property value,\n      occupancy, property type, location, available equity, loan program,\n      rate-lock period, escrow requirements, and final underwriting results.\n    <\/p>\n\n    <p class=\"mortgage-legal-last\">\n      Rocket Mortgage rates are current as of 11:49 PM UTC on July 12, 2026.\n      Loaning.ai figures are based on the estimates displayed at the time the\n      comparison was prepared. Consumers should review official Loan Estimates\n      from each lender before selecting a mortgage.\n    <\/p>\n\n  <\/div>\n<\/details>\n\n<style>\n  .mortgage-legal-details,\n  .mortgage-legal-details * {\n    box-sizing: border-box;\n  }\n\n  .mortgage-legal-details {\n    width: 100%;\n    margin: 12px 0 24px;\n    overflow: hidden;\n    background: #eeeeee;\n    border: 1px solid #dddddd;\n    border-radius: 10px;\n    font-family:\n      Pretendard,\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n  }\n\n  .mortgage-legal-summary {\n    position: relative;\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 12px;\n    width: 100%;\n    padding: 11px 14px;\n    color: #4f5459;\n    font-size: 10px;\n    line-height: 1.4;\n    font-weight: 700;\n    cursor: pointer;\n    list-style: none;\n    user-select: none;\n  }\n\n  .mortgage-legal-summary::-webkit-details-marker {\n    display: none;\n  }\n\n  .mortgage-legal-summary::marker {\n    display: none;\n    content: \"\";\n  }\n\n  .mortgage-legal-summary:hover {\n    background: #e8e8e8;\n  }\n\n  .mortgage-legal-summary:focus-visible {\n    outline: 2px solid #777777;\n    outline-offset: -2px;\n  }\n\n  .mortgage-legal-icon {\n    position: relative;\n    width: 13px;\n    height: 13px;\n    flex: 0 0 13px;\n  }\n\n  .mortgage-legal-icon::before,\n  .mortgage-legal-icon::after {\n    position: absolute;\n    top: 50%;\n    left: 50%;\n    width: 10px;\n    height: 1.5px;\n    background: #686d72;\n    border-radius: 2px;\n    content: \"\";\n    transform: translate(-50%, -50%);\n    transition: transform 0.2s ease;\n  }\n\n  .mortgage-legal-icon::after {\n    transform: translate(-50%, -50%) rotate(90deg);\n  }\n\n  .mortgage-legal-details[open] .mortgage-legal-icon::after {\n    transform: translate(-50%, -50%) rotate(0deg);\n  }\n\n  .mortgage-legal-content {\n    padding: 13px 15px 15px;\n    border-top: 1px solid #dadada;\n  }\n\n  .mortgage-legal-content p {\n    margin: 0 0 8px;\n    color: #686d72;\n    font-size: 8px;\n    line-height: 1.55;\n    font-weight: 400;\n    letter-spacing: -0.01px;\n  }\n\n  .mortgage-legal-content strong {\n    color: #53585d;\n    font-weight: 650;\n  }\n\n  .mortgage-legal-content ul {\n    margin: 2px 0 9px;\n    padding-left: 17px;\n  }\n\n  .mortgage-legal-content li {\n    margin: 3px 0;\n    padding-left: 1px;\n    color: #686d72;\n    font-size: 8px;\n    line-height: 1.5;\n    font-weight: 400;\n  }\n\n  .mortgage-legal-content .mortgage-legal-last {\n    margin-bottom: 0;\n  }\n\n  @media (max-width: 520px) {\n    .mortgage-legal-summary {\n      padding: 10px 12px;\n      font-size: 9px;\n    }\n\n    .mortgage-legal-content {\n      padding: 11px 12px 13px;\n    }\n\n    .mortgage-legal-content p,\n    .mortgage-legal-content li {\n      font-size: 7.5px;\n      line-height: 1.5;\n    }\n\n    .mortgage-legal-content ul {\n      padding-left: 15px;\n    }\n  }\n<\/style>\n\n\n\n<div class=\"loaning-rate-box\">\n  <h2>Compare mortgage rates from top lenders in minutes<\/h2>\n\n  <div class=\"loaning-rate-form\">\n    <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&#038;utm_medium=loaning_en&#038;utm_campaign=lender_compare&#038;utm_content=lender_compare_rocket_mortgage\">\n      <span>Loan Type<\/span>\n      <strong>Refinance<\/strong>\n    <\/a>\n\n    <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&#038;utm_medium=loaning_en&#038;utm_campaign=lender_compare&#038;utm_content=lender_compare_rocket_mortgage\">\n      <span>Loan Term<\/span>\n      <strong>30-Year Fixed<\/strong>\n    <\/a>\n\n    <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&#038;utm_medium=loaning_en&#038;utm_campaign=lender_compare&#038;utm_content=lender_compare_rocket_mortgage\">\n      <span>City<\/span>\n      <strong>Enter your city<\/strong>\n    <\/a>\n\n    <a class=\"loaning-rate-button\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&#038;utm_medium=loaning_en&#038;utm_campaign=lender_compare&#038;utm_content=lender_compare_rocket_mortgage\">\n      Compare\n    <\/a>\n  <\/div>\n\n  <p class=\"loaning-rate-note\">No impact to your credit score<\/p>\n<\/div>\n\n<style>\n.loaning-rate-box,\n.loaning-rate-box * {\n  box-sizing: border-box;\n}\n\n.loaning-rate-box {\n  width: 100%;\n  max-width: 960px;\n  margin: 28px auto;\n  padding: 24px 26px 22px;\n  border: 1px solid #e5e7eb;\n  border-radius: 10px;\n  background: #ffffff;\n  box-shadow: 0 2px 8px rgba(15, 23, 42, 0.12);\n  font-family: inherit;\n  color: #111827;\n  overflow: hidden;\n}\n\n.loaning-rate-box h2 {\n  margin: 0 0 20px;\n  text-align: center;\n  font-size: 23px;\n  line-height: 1.25;\n  font-weight: 800;\n  color: #111827;\n  white-space: nowrap;\n  letter-spacing: -0.02em;\n}\n\n.loaning-rate-form {\n  display: grid;\n  grid-template-columns: minmax(120px, 0.85fr) minmax(120px, 0.85fr) minmax(120px, 0.85fr) minmax(170px, 1.15fr);\n  gap: 14px;\n  align-items: stretch;\n  width: 100%;\n}\n\n.loaning-rate-field {\n  display: block;\n  min-height: 58px;\n  padding: 10px 12px;\n  border: 1px solid #9ca3af;\n  border-radius: 5px;\n  background: #ffffff;\n  color: #111827 !important;\n  text-decoration: none !important;\n  transition: border-color 0.2s ease, box-shadow 0.2s ease;\n  overflow: hidden;\n}\n\n.loaning-rate-field:hover {\n  border-color: #0073cf;\n  box-shadow: 0 0 0 2px rgba(0, 115, 207, 0.12);\n}\n\n.loaning-rate-field span {\n  display: block;\n  margin-bottom: 3px;\n  font-size: 11px;\n  line-height: 1.2;\n  color: #6b7280;\n  white-space: nowrap;\n}\n\n.loaning-rate-field strong {\n  display: block;\n  font-size: 14px;\n  line-height: 1.25;\n  font-weight: 700;\n  color: #374151;\n}\n\n.loaning-rate-button {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  min-height: 58px;\n  padding: 0 28px;\n  border-radius: 999px;\n  background: #22c965;\n  color: #ffffff !important;\n  text-decoration: none !important;\n  font-size: 16px;\n  line-height: 1.2;\n  font-weight: 800;\n  white-space: nowrap;\n  box-shadow: 0 4px 10px rgba(34, 201, 101, 0.18);\n  transition: background-color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;\n}\n\n.loaning-rate-button:hover {\n  background: #1db65a;\n  color: #ffffff !important;\n  transform: translateY(-1px);\n  box-shadow: 0 6px 14px rgba(34, 201, 101, 0.24);\n}\n\n.loaning-rate-note {\n  margin: 6px 0 0;\n  text-align: center;\n  font-size: 13px;\n  line-height: 1.4;\n  color: #374151;\n}\n\n.loaning-rate-note::before {\n  content: \"\u25a3\";\n  display: inline-block;\n  margin-right: 6px;\n  font-size: 10px;\n  color: #111827;\n  vertical-align: 1px;\n}\n\n@media (max-width: 900px) {\n  .loaning-rate-box h2 {\n    font-size: 21px;\n    white-space: normal;\n  }\n\n  .loaning-rate-form {\n    grid-template-columns: 1fr 1fr;\n  }\n\n  .loaning-rate-button {\n    grid-column: span 2;\n  }\n}\n\n@media (max-width: 600px) {\n  .loaning-rate-box {\n    padding: 20px 16px;\n    margin: 24px 0;\n  }\n\n  .loaning-rate-box h2 {\n    font-size: 20px;\n    text-align: left;\n    white-space: normal;\n  }\n\n  .loaning-rate-form {\n    grid-template-columns: 1fr;\n    gap: 10px;\n  }\n\n  .loaning-rate-field {\n    min-height: 52px;\n  }\n\n  .loaning-rate-button {\n    grid-column: auto;\n    width: 100%;\n    min-height: 50px;\n  }\n\n  .loaning-rate-note {\n    font-size: 13px;\n    margin-top: 10px;\n  }\n}\n<\/style>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/blog.loaning.ai\/en\/6102\/\">\ud83d\udc49 How to Use Loaning.ai&#8217;s Refinance Mortgage Rates Calculator?<\/a><\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-4 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-compare-the-lowest-30-year-mortgage-rates-from-the-top-5-lenders\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Compare the lowest 30 year mortgage rates<\/strong> <strong>from the top 5 lenders<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-compare-the-lowest-30-year-mortgage-rates-from-the-top-5-lenders\">Get the lowest mortgage rates today! Compare rates from the top 5 lenders in United States, including WellsFargo and RocketMortgage.<\/p>\n\n\n\n<section class=\"loaning-rate-comparison\">\n\n  <div class=\"loaning-rate-table\">\n\n    <!-- Header -->\n    <div class=\"loaning-rate-header\">\n      <div>Company<\/div>\n      <div>Rate<\/div>\n      <div>APR<\/div>\n      <div>Points<\/div>\n    <\/div>\n\n    <!-- Loaning.ai -->\n    <div class=\"loaning-rate-row loaning-rate-row-featured\">\n      <div class=\"loaning-rate-lender\">\n        <strong>Loaning.ai<\/strong>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">Rate<\/span>\n        <span>6.000%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">APR<\/span>\n        <span>6.110%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value loaning-rate-point\">\n        <span class=\"loaning-mobile-label\">Points<\/span>\n        <span>$5,705.00<\/span>\n      <\/div>\n    <\/div>\n\n    <!-- Rocket Mortgage -->\n    <div class=\"loaning-rate-row\">\n      <div class=\"loaning-rate-lender\">\n        <strong>Rocket Mortgage<\/strong>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">Rate<\/span>\n        <span>6.125%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">APR<\/span>\n        <span>6.196%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value loaning-rate-point\">\n        <span class=\"loaning-mobile-label\">Points<\/span>\n        <span>$8,953.00<\/span>\n      <\/div>\n    <\/div>\n\n    <!-- Chase -->\n    <div class=\"loaning-rate-row\">\n      <div class=\"loaning-rate-lender\">\n        <strong>Chase<\/strong>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">Rate<\/span>\n        <span>6.125%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">APR<\/span>\n        <span>6.308%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value loaning-rate-point\">\n        <span class=\"loaning-mobile-label\">Points<\/span>\n        <span>$14,000.00<\/span>\n      <\/div>\n    <\/div>\n\n    <!-- SoFi -->\n    <div class=\"loaning-rate-row\">\n      <div class=\"loaning-rate-lender\">\n        <strong>SoFi<\/strong>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">Rate<\/span>\n        <span>6.250%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">APR<\/span>\n        <span>6.465%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value loaning-rate-point\">\n        <span class=\"loaning-mobile-label\">Points<\/span>\n        <span>$12,432.00<\/span>\n      <\/div>\n    <\/div>\n\n    <!-- Wells Fargo -->\n    <div class=\"loaning-rate-row\">\n      <div class=\"loaning-rate-lender\">\n        <strong>Wells Fargo<\/strong>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">Rate<\/span>\n        <span>6.500%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value\">\n        <span class=\"loaning-mobile-label\">APR<\/span>\n        <span>6.625%<\/span>\n      <\/div>\n\n      <div class=\"loaning-rate-value loaning-rate-point\">\n        <span class=\"loaning-mobile-label\">Points<\/span>\n        <span>$4,375.00<\/span>\n      <\/div>\n    <\/div>\n\n  <\/div>\n\n  <!-- Assumptions -->\n  <div class=\"loaning-rate-conditions\">\n    <p>\n      * Loaning.ai, Rocket Mortgage, Chase, SoFi, and Wells Fargo:\n      Home price $1,000,000.00 \/ Loan amount $700,000.00\n    <\/p>\n\n    <p>\n      * Updated July 13, 2026 \u2014 U.S. Pacific Time\n    <\/p>\n  <\/div>\n\n<\/section>\n\n<style>\n  .loaning-rate-comparison,\n  .loaning-rate-comparison * {\n    box-sizing: border-box;\n  }\n\n  .loaning-rate-comparison {\n    width: 100%;\n    max-width: 100%;\n    margin: 22px 0;\n    font-family:\n      \"Pretendard\",\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Apple SD Gothic Neo\",\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n    color: #2f3135;\n  }\n\n  .loaning-rate-table {\n    width: 100%;\n  }\n\n  \/* Header *\/\n  .loaning-rate-header {\n    display: grid;\n    grid-template-columns:\n      minmax(0, 1.2fr)\n      minmax(0, 0.9fr)\n      minmax(0, 0.75fr)\n      minmax(0, 1fr);\n    column-gap: 8px;\n    align-items: center;\n    min-height: 54px;\n    padding: 0 18px;\n    background: #49cd7d;\n    border-radius: 12px;\n    color: #ffffff;\n  }\n\n  .loaning-rate-header > div {\n    min-width: 0;\n    font-size: 13px;\n    line-height: 1.2;\n    font-weight: 700;\n  }\n\n  .loaning-rate-header > div:last-child {\n    text-align: right;\n  }\n\n  \/* Data rows *\/\n  .loaning-rate-row {\n    display: grid;\n    grid-template-columns:\n      minmax(0, 1.2fr)\n      minmax(0, 0.9fr)\n      minmax(0, 0.75fr)\n      minmax(0, 1fr);\n    column-gap: 8px;\n    align-items: center;\n    min-height: 62px;\n    margin-top: 9px;\n    padding: 13px 18px;\n    background: #f0f2f4;\n    border: 1px solid transparent;\n    border-radius: 12px;\n  }\n\n  \/* Loaning.ai green border *\/\n  .loaning-rate-row-featured {\n    border: 2px solid #49cd7d;\n  }\n\n  .loaning-rate-row > div {\n    min-width: 0;\n  }\n\n  .loaning-rate-lender {\n    color: #272a2e;\n    font-size: 13px;\n    line-height: 1.35;\n    font-weight: 700;\n    overflow-wrap: break-word;\n  }\n\n  .loaning-rate-value {\n    color: #303338;\n    font-size: 13px;\n    line-height: 1.35;\n    font-weight: 400;\n    white-space: nowrap;\n  }\n\n  .loaning-rate-point {\n    text-align: right;\n  }\n\n  .loaning-mobile-label {\n    display: none;\n  }\n\n  \/* Small assumption note *\/\n  .loaning-rate-conditions {\n    margin-top: 8px;\n    padding: 0 6px;\n  }\n\n  .loaning-rate-conditions p {\n    margin: 0 0 4px;\n    color: #98a1aa;\n    font-size: 8px;\n    line-height: 1.45;\n    font-weight: 400;\n    letter-spacing: -0.01px;\n  }\n\n  .loaning-rate-conditions p:last-child {\n    margin-bottom: 0;\n  }\n\n  \/* Tablet *\/\n  @media (max-width: 760px) {\n    .loaning-rate-header,\n    .loaning-rate-row {\n      grid-template-columns:\n        minmax(0, 1.15fr)\n        minmax(0, 0.9fr)\n        minmax(0, 0.75fr)\n        minmax(0, 1fr);\n      column-gap: 5px;\n      padding-right: 12px;\n      padding-left: 12px;\n    }\n\n    .loaning-rate-header {\n      min-height: 48px;\n    }\n\n    .loaning-rate-row {\n      min-height: 56px;\n      margin-top: 7px;\n      padding-top: 11px;\n      padding-bottom: 11px;\n    }\n\n    .loaning-rate-header > div,\n    .loaning-rate-lender,\n    .loaning-rate-value {\n      font-size: 11px;\n    }\n\n    .loaning-rate-conditions {\n      margin-top: 7px;\n      padding: 0 4px;\n    }\n\n    .loaning-rate-conditions p {\n      font-size: 7.5px;\n    }\n  }\n\n  \/* Mobile *\/\n  @media (max-width: 560px) {\n    .loaning-rate-header {\n      display: none;\n    }\n\n    .loaning-rate-row {\n      grid-template-columns: repeat(2, minmax(0, 1fr));\n      gap: 10px 14px;\n      min-height: auto;\n      padding: 15px;\n      border-radius: 11px;\n    }\n\n    .loaning-rate-lender {\n      grid-column: 1 \/ -1;\n      padding-bottom: 9px;\n      border-bottom: 1px solid #dce1e5;\n      font-size: 13px;\n    }\n\n    .loaning-rate-value {\n      display: flex;\n      flex-direction: column;\n      gap: 3px;\n      font-size: 12px;\n      white-space: normal;\n      overflow-wrap: anywhere;\n    }\n\n    .loaning-rate-point {\n      text-align: left;\n    }\n\n    .loaning-mobile-label {\n      display: block;\n      color: #828b94;\n      font-size: 8px;\n      line-height: 1.25;\n      font-weight: 700;\n      text-transform: uppercase;\n      letter-spacing: 0.03em;\n    }\n\n    .loaning-rate-conditions {\n      margin-top: 6px;\n      padding: 0 2px;\n    }\n\n    .loaning-rate-conditions p {\n      font-size: 7px;\n      line-height: 1.4;\n    }\n  }\n<\/style>\n\n\n\n<details class=\"mortgage-legal-details\">\n  <summary class=\"mortgage-legal-summary\">\n    Legal Disclosures\n    <span class=\"mortgage-legal-icon\" aria-hidden=\"true\"><\/span>\n  <\/summary>\n\n  <div class=\"mortgage-legal-content\">\n    <p class=\"mortgage-legal-last\">\n      The rates shown here are calculated under the following conditions:\n      30-Year Fixed, Level Payment, U.S. Citizen, tax returns for 2 years or more,\n      Full Documentation, Single-Family Home, Purchase, Primary Residence,\n      Credit Score (FICO) 740, DTI 45%, and LTV 70%.\n      Your actual rate, payment, and costs may differ based on your complete\n      financial profile. This is NOT a mortgage loan approval or a commitment\n      to lend.\n    <\/p>\n  <\/div>\n<\/details>\n\n<style>\n  .mortgage-legal-details,\n  .mortgage-legal-details * {\n    box-sizing: border-box;\n  }\n\n  .mortgage-legal-details {\n    width: 100%;\n    margin: 12px 0 24px;\n    overflow: hidden;\n    background: #eeeeee;\n    border: 1px solid #dddddd;\n    border-radius: 10px;\n    font-family:\n      Pretendard,\n      -apple-system,\n      BlinkMacSystemFont,\n      \"Segoe UI\",\n      Arial,\n      sans-serif;\n  }\n\n  .mortgage-legal-summary {\n    position: relative;\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 12px;\n    width: 100%;\n    padding: 11px 14px;\n    color: #4f5459;\n    font-size: 10px;\n    line-height: 1.4;\n    font-weight: 700;\n    cursor: pointer;\n    list-style: none;\n    user-select: none;\n  }\n\n  .mortgage-legal-summary::-webkit-details-marker {\n    display: none;\n  }\n\n  .mortgage-legal-summary::marker {\n    display: none;\n    content: \"\";\n  }\n\n  .mortgage-legal-summary:hover {\n    background: #e8e8e8;\n  }\n\n  .mortgage-legal-summary:focus-visible {\n    outline: 2px solid #777777;\n    outline-offset: -2px;\n  }\n\n  .mortgage-legal-icon {\n    position: relative;\n    width: 13px;\n    height: 13px;\n    flex: 0 0 13px;\n  }\n\n  .mortgage-legal-icon::before,\n  .mortgage-legal-icon::after {\n    position: absolute;\n    top: 50%;\n    left: 50%;\n    width: 10px;\n    height: 1.5px;\n    background: #686d72;\n    border-radius: 2px;\n    content: \"\";\n    transform: translate(-50%, -50%);\n    transition: transform 0.2s ease;\n  }\n\n  .mortgage-legal-icon::after {\n    transform: translate(-50%, -50%) rotate(90deg);\n  }\n\n  .mortgage-legal-details[open] .mortgage-legal-icon::after {\n    transform: translate(-50%, -50%) rotate(0deg);\n  }\n\n  .mortgage-legal-content {\n    padding: 13px 15px 15px;\n    border-top: 1px solid #dadada;\n  }\n\n  .mortgage-legal-content p {\n    margin: 0;\n    color: #686d72;\n    font-size: 8px;\n    line-height: 1.55;\n    font-weight: 400;\n    letter-spacing: -0.01px;\n  }\n\n  .mortgage-legal-content .mortgage-legal-last {\n    margin-bottom: 0;\n  }\n\n  @media (max-width: 520px) {\n    .mortgage-legal-summary {\n      padding: 10px 12px;\n      font-size: 9px;\n    }\n\n    .mortgage-legal-content {\n      padding: 11px 12px 13px;\n    }\n\n    .mortgage-legal-content p {\n      font-size: 7.5px;\n      line-height: 1.5;\n    }\n  }\n<\/style>\n\n\n\n<div class=\"wp-block-buttons loaning_cta_bottom is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/loaning.ai\/tools\/compare-rates?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=lender_compare&amp;utm_content=lender_compare_rocket_mortgage\" style=\"background-color:#49cf7e\"><strong>\ud83d\udc49 Check My Mortgage Rate<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-5 wp-block-paragraph\">.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rocket Mortgage Refinance Rates vs Loaning.ai Refinance Rates Having more options to compare can often lead to a better decision. Freddie Mac research supports this idea: Homebuyers who received mortgage quotes from at least four lenders could save more than $1,200 per year. Rather than settling for the first offer, it pays to compare rates, [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":7811,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[438],"tags":[],"class_list":["post-7810","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-guide"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Rocket Mortgage Refinance Rates | See This Week&#039;s Rates<\/title>\n<meta name=\"description\" content=\"Rocket Mortgage Refinance Rates | Mortgage | Rocket Mortgage | Loaning.ai | 30-Year Fixed | 6.25% | 5.750% | 15-Year Fixed | 5.625% | 5.500%\" \/>\n<meta name=\"robots\" content=\"index, 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