4.75% loan on SFH with 20% down, good or can do better?

[Johnny Weekend]

Hi everyone,

I am trying to see if this rate is decent or if someone has recommendations for lenders.

75k purchase price in Ohio on single family house

Checked with 5/3 bank:

20% down = 4.75% with 1.5 points. Fixed 30 years

25% down = 4.62% with 3/8 points. Fixed 30 years.

Seems decent but wondering if anyone else has a recommendation for a lender.

Thank you!