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Mortgage rates are inching higher, though the lowest offered rate is equal to last week's, according to our latest analysis. The Yahoo Finance weekly survey ranks lenders by the lowest annual percentage rate (APR), which includes lender fees. Read on to see the 10 lenders with the lowest rates this week.

MORE: See our top picks for mortgage lenders for first-time home buyers.

Here are the 10 mortgage lenders with the best interest rates this week, as determined by our survey of the lowest mortgage rates on 30-year, fixed-rate conventional loans. The following numbers are each lender’s annual percentage rate (APR).

U.S. Bank: 6.122%

Truist: 6.163%

PenFed Credit Union: 6.169%

Better: 6.212%

Citi Mortgage: 6.223%

Navy Federal Credit Union: 6.268%

Chase Home Loans: 6.362%

Rate: 6.574%

Fifth Third Bank: 6.636%

 Wells Fargo: 6.654%

U.S. Bank gets lowest-rate honors for the second week in a row, unseating perennial leader Navy Federal Credit Union, which tumbles to the sixth position.

Of the 16 national lenders surveyed on March 30, Bank of America, Third Federal, PNC, Flagstar Bank, and Rocket Mortgage, failed to make the top 10, based on annual percentage rates. Citizens Bank was not reporting rates at the time of our survey. An APR difference of 1.039 percentage points separated the top lender, U.S. Bank, from the bottom-ranked lender, Rocket Mortgage.

Read more: Is it a good time to refinance?

These are all sample mortgage rates found on lender websites and are based on generic assumptions. Lenders advertise 30-year mortgage rates based on varying credit scores, down payments, and other credit qualifications. Even where you live affects your mortgage rate.

Your rate will be based on your particular credit profile.

If a mortgage lender required additional borrower information to provide a sample rate, we supplied a median home value and credit score, with a 20% down payment based on a home located in the Midwest.

Read more: See the average mortgage rate in your state

The key to securing the lowest mortgage rate is shopping around, which could save borrowers up to an average of $44,000 over the life of a 30-year loan, according to analysis by Realtor.com.

We're also looking for details that you will want to consider. Often, borrowers focus on the offered interest rate, as that's what lenders typically highlight. However, the mortgage annual percentage rate, or APR, is the most important number.

APR includes both the interest rate and lender fees (for example, the mortgage origination fee), so it is the most accurate measure of your annual borrowing costs.

Lenders often include mortgage discount points to lower their offered interest rate. That's where things can get confusing.

First off, discount points are prepaid interest — an up-front fee paid at closing that reduces your interest rate. Although lenders often include discount points in their advertised rates online, buying points is optional.

Each point represents 1% of your loan amount and generally lowers your interest rate by about 0.25%. For example, one point on a $400,000 mortgage would cost $4,000 and reduce a 6.25% home loan to 6%.

Just remember, no matter what the lender puts in an advertised rate or in a loan offer, when you get a Loan Estimate, and you see discount points under the lender fees section, you can say “no” and have them removed. But your rate will be higher.

Learn more: How mortgage rates are determined

One thing we're seeing more often: Lenders sometimes offer special discounts off their interest rates and fees. For example, PNC is currently offering $500 off closing costs on purchase loans.

If a lender you are interested in is not currently promoting a discount, ask for any concessions they can offer and let them know you are shopping with multiple lenders.

That's a lot of moving parts, we know.

If possible, when shopping with three or more lenders, have each of them provide a quote for a mortgage rate with zero discount points. Then, focus on the APR for an accurate side-by-side comparison of rates and fees.

See the table below to understand the Yahoo Finance methodology for determining which mortgage lenders have the best rates this week. Remember, we are sorting by APR, which includes both the interest rates and mortgage lender fees, including points.

Mortgage rates inched lower this week as an upbeat jobs report bumped the bond market slightly higher.

The best mortgage lenders offer low interest rates, a range of loan programs, and high customer satisfaction. Choose the best mortgage lender for your needs.

U.S. Bank mortgages have great down payment assistance programs and credits for borrowers in underserved communities. Find your U.S. Bank mortgage rate.

The best mortgage refinance companies charge low interest rates and fees, and they often have unique perks for customers. Find your best mortgage refinance lender.

The best FHA loan lenders offer unique perks for borrowers, including rate buydowns, guaranteed on-time closings, and more. Find your FHA mortgage lender.

The best mortgage lenders for low and no down payments have programs for low-income borrowers, down payment assistance, and more. Find out which is best for you.