100+
Lenders in marketplace
Competing for your loan
Report
Should I Use Bankrate — Compare Mortgage Rates & Financial Products?
Compare today's mortgage rates, savings accounts, credit cards, and more. Bankrate helps you find the best rates from hundreds of banks and credit unions — free, unbiased, and updated daily.
Worth it
Worth itUse it if you're shopping mortgage, refi, savings, or credit card rates — it's free and well-regarded for comparison.
Free, legit rate-comparison for mortgages, savings, and cards — useful for shopping, but expect lender calls after submitting info.
Confidence: Medium
95/100
Gridinsoft trust score
Safety scan of bankrate.com
$0
Cost to consumers
Free; lender-funded marketplace
16
WalletHub user ratings
Small, polarized sample
Value for money
5
Free to shoppers; lenders pay
Ease of use
4
Calculator praised as accurate by users
Feature depth
4
Filtered marketplace plus calculators across products
Security posture
4
95/100 Gridinsoft trust score
Pros
Cons
Gotchas
- highWalletHub reviewers claim charges taken from accounts; scrutinize anything you enroll in.³
- mediumSubmitting a rate request typically triggers calls and emails from multiple lenders.⁴
- mediumShown rates are sample averages; your real rate depends on credit and finances.¹
- mediumThe free model is lender-funded; sponsored placements can influence which offers surface.¹
Best for
- Mortgage and refi shoppers
- Savings and CD rate hunters
- First-time buyers leaning on calculators
Not for
- Anyone unwilling to receive lender sales calls after rate requests
- People expecting Bankrate to hold accounts — it's a marketplace, not a bank
- Thin-credit borrowers assuming headline rates are their real quotes
- Businesses seeking a financial product — this is consumer-only
Pricing
Free for consumers
$0
- Compare 100+ lenders
- Calculators and guides
- No paid tiers for shoppers
Security
No known public vulnerabilities found in the sources reviewed.
What users say
Reviews are polarized: the mortgage calculator draws strong praise while some WalletHub reviewers allege billing problems.
“This is the BEST most Accurate Mortgage Calculator I have ever experienced”
“Bankrate is a scam; don't use them. They will take money from your account and”
Alternatives
Compare Bankrate — Compare Mortgage Rates & Financial Products with each alternative.
NerdWallet
Comparable rate comparisons with heavier editorial content.
Bankrate — Compare Mortgage Rates & Financial Products vs NerdWalletLendingTree
Marketplace where multiple lenders compete for your loan.
Bankrate — Compare Mortgage Rates & Financial Products vs LendingTreeCredible
Streamlined mortgage rate-shopping experience.
Bankrate — Compare Mortgage Rates & Financial Products vs CredibleLocal credit unions
Direct member rates without lead-gen follow-up.
Bankrate — Compare Mortgage Rates & Financial Products vs Local credit unionsFull analysis
Based on ~10 usable public sources; many indexed pages were low-quality spam mirrors and were discounted.
Sources
- Bankrate official sitebankrate.comofficial
- Bankrate reviews on Trustpilottrustpilot.comreview
- Bankrate Reviews: 16 User Ratings — WalletHubwallethub.comreview
- Bankrate Review for 2026 — The Mortgage Reportsthemortgagereports.comreview
- Bankrate Mortgage Review 2026 — U.S. Newsmoney.usnews.comreview
- Bankrate.com Trust Score 95/100 — Gridinsoftgridinsoft.comsecurity
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