This is the third week in a row that rates have come down. The latest average rate on a 30-year mortgage is now just shy of 6.62%, the low point for this year set April 10. Mortgage rates are influenced by several factors, from the Federal Reserve’s interest rate policy decisions to bond market investors’ expectations for the economy and inflation.

We analyzed “best mortgage lender” reviews on 9 financial sites to find the most-recommended mortgage providers right now

Mortgage rates are down and still under 7%. Today’s national average on a 30-year fixed-rate mortgage is 6.66%, according to Bankrate. If you choose a 15-year fixed-rate mortgage, the average rate is 5.