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Compared to the A Lenders, the B lender mortgage rates are higher, since your borrower profile is considered more risky than average – as of this writing, you’re looking at a range of about 3.99% – 5.99%. On top of this, there is usually a commitment fee or lender fee charged up front. I know this seems high compared to the low 3% rates we’ve been hearing about. However, to those of us who remember rates in days past in the range of 10-12%, even these B rates seem fantastic in comparison.