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Top Mortgage Lender Reviews

Full reviews of top mortgage lenders. Find information you need to help make an educated decision for your home loan.

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

Low Rates

Quicken Loans

Quicken Loans

Having helped over 2 million families finance their homes, Quicken Loans is America’s largest mortgage lender. Quicken has a brick and mortar stability with all of the online perks — 98% of the lender’s home loans are originated through its Rocket Mortgage digital platform. With Rocket Mortgage by Quicken Loans, you can start your mortgage application and lock in a rate just by answering a few basic questions about your goals.

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AmeriSave Mortgage

AmeriSave Mortgage Corporation is a full-service mortgage lender operating in 49 states and DC. Established in Atlanta in 2002, it has funded 220,000+ homes for a total value of nearly $60 billion. AmeriSave is known for offering streamlined online applications with the option of contacting customer support any time you need assistance.

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CapCenter

CapCenter

CapCenter is a mortgage lender founded in 1997. With CapCenter, you pay zero closing costs when buying a home. The lender offers a detailed calculator so you can see how much you’ll save by eliminating closing costs. You can also request a realtor through CapCenter to help you find your new home. CapCenter is accredited with the Better Business Bureau and has an A- rating.

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New American Funding

New American Funding is an independent, family-owned lender headquartered in Orange County, California. Since its founding in 2003, it has issued more than $22 billion worth of home loans to buyers from around the country.

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Veterans United Home Loans

Veterans United Home Loans is a dedicated VA lender serving active and former members of the US Armed Forces. Veterans United issued more than 53,000 VA loans in 2019, making it the largest VA lender for the fourth consecutive year. Veterans United works with home buyers and owners from across the Armed Forces. Whether you’re retired, on active duty, or deployed overseas, Veterans United offers round-the-clock support.

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Rocket Mortgage

Rocket Mortgage is an online lender with a user experience designed to save time and make mortgages easy, with many options.

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LendingTree

LendingTree

LendingTree is a loan marketplace where you can shop for a mortgage quickly and easily. After filling out a short application, LendingTree will find mortgage lenders that match your personal needs, financial situation, and where you live. There’s no cost or obligation to use LendingTree.

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Bankrate

Bankrate

Bankrate has a strong reputation as a financial industry educator, helping borrowers of all types of loans find answers. It offers mortgage and refinance loans with a range of calculators to assist users in getting the right rates.

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NASB

NASB

North American Savings Bank offers a unique range of mortgage products including fixed-rate and adjustable conventional loans, FHA loans, VA loans, refinances, and a unique financing program for the purchase of rental real estate with an IRA.

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Refi Rate Guide

Refi Rate Guide

Refi Rate Guide is a mortgage loan and refinancing portal. This means that it works with several partner lenders to find you competitive rates. Using a smart algorithm, Refi Rate Guide has helped Americans save thousands on their current mortgages by pairing homeowners or home seekers with the relevant direct lenders for them. The online process is quick and straightforward, and the network of lenders is extensive.

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VA Rate Guide

VA Rate Guide is the go-to mortgage lender marketplace for veterans and their families. That’s because VA Rate Guide caters specifically to veterans and those who can receive benefits through them. This is a totally free service that quickly helps vets find the right mortgage loan rates and terms. From zero down payment to long-term repayment options, VA Rate Guide partners offer flexible mortgages for people who served this country faithfully.

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AmeriValue

AmeriValue

AmeriValue is a mortgage loan finder that helps homeowners finance single and multi-family homes, townhouses, and condos. It also has partners that work with refinancing current loans. The system works to efficiently find you competitive rates from the top-rated mortgage lenders in the country quickly and easily. You don't have to run around chasing lenders; they'll all come to you. And all it takes is a simple online application form.

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USDALoans.com

USDALoans.com

USDALoans.com is a simple online platform where you can see if you qualify for a USDA-backed mortgage. If you do, USDALoans.com will match you with a lender to get the most suitable mortgage terms for your needs. Checking your eligibility with this online lending marketplace and getting matched to a lender is free and takes a few minutes. USDALoans.com also offers a variety of resources to help you understand how USDA loans work.

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Eligibility.org

Eligibility.org helps home buyers and owners find lenders for purchase and refinancing. You can use any one of the company’s four eligibility questionnaires to find a list of lenders for your personal situation. Borrowers seeking a VA loan, FHA loan, USDA loan or a conventional loan can all use Eligibility.org to find a home loan.

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Simplist

Simplist connects borrowers with mortgage lenders for both purchase and refinance loans. Having access to more than 50,000 mortgage deals, the company specializes in conventional fixed- and adjustable-rate products, as well as VA and FHA loans. If you’re in the early stages of buying a home, you could be pre-approved in as little as 5 minutes.

Ally Bank

Ally Bank

Online financial services company Ally Bank offers a range of mortgage and refinance products to those with a credit score of 620 or higher. Borrowers can take care of every aspect of their mortgage application and completion online, while those in the early stages of buying a home can receive a pre-approval in as little as 3 minutes.

RateZip

RateZip is a mortgage loan comparison tool that helps consumers find competitive rates and flexible loan terms for their mortgages. With a network of thousands of banks, brokers, and private lenders, RateZip provides up to date and low-cost solutions for Americans across the United States. The system is fast, easy to use, everything is done online for convenience.

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LoanDepot

LoanDepot

LoanDepot is the second largest mortgage lender in the US. With an A+ rating from the BBB and the ability to process loan applications both online and in-person in one of their 200+ locations nationwide, it's no surprise that LoanDepot has been a lender of choice for people looking to purchase or refinance their homes over the last decade.

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Figure

Figure is a direct lender who is using technology to simplify the mortgage lending process. Figure utilizes AI, Blockchain and data analytics technology to streamline its loan approval process.

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Discover

Discover

For a great loan experience, Discover’s Mortgage Refinance option has an excellent choice for your home refinance needs. With flexible loan options and zero cash at closing, Discover has exceptional incentives to make for a simple pain-free loan process.

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FreeRateUpdate

FreeRateUpdate

FreeRateUpdate.com offers online access to mortgage rate quotes for various types of loans. The company is not a lender, but rather connects thousands of customers per day that inquire about obtaining a mortgage to lenders.

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Freedom Mortgage

Freedom Mortgage

Freedom Mortgage, founded in 1990, has become one of the leading mortgage lenders for people who want affordable lending options. The company tries for convenience, with online and in-person application options, low credit score requirements, and down payment minimums for people with many different income requirements.

CrossCountry

CrossCountry Mortgage does everything a lender could, offering refinance, purchase loans and home equity loans, as well as government backed FHA and VA loans. They offer mortgages that range from 10-30 years with added benefits for borrowers who prequalify.

Veterans First

Veterans First Mortgage was founded in 1985 to provide a specialized mortgage service to veterans and military personnel. It offers VA and FHA loans to eligible borrowers across the United States, with competitive rates, low closing costs, and zero or minimal down payments.

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USAA

USAA offers home purchase and refinance loans tailored for veterans and servicemen and women as well as to conventional first time home buyers and homeowners

MoneyTips

MoneyTips

MoneyTips is an informational website that provides users with free advice on mortgages, credit scores, and financial planning. It also doubles up as an online mortgage marketplace. Its mortgage planner allows users to work out what they can afford, test different scenarios, and search for the most suitable mortgage lenders for their needs.

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SoFi

Social Finance Inc, known as SoFi, is an online lender based in San Francisco. SoFi is known for its innovative underwriting process, top of the line educational tools and resources, assistance, and easy to use applications.

Home Equity Quiz

Home Equity Quiz

Home Equity Quiz is a website that aims to match home buyers in need of a mortgage or homeowners looking for refinancing deals with the right home loan for their needs. It has hundreds of partners to help you access a suitable option, and an extensive and easy-to-use questionnaire to get to know your financial circumstances. However, it doesn’t do anything to help you investigate the details of the loans it suggests.

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Fairway

Fairway

Fairway is one of the largest independent mortgage providers in the US, with more than 400 branches throughout the country. It offers a variety of mortgage products, including fixed rate mortgages, adjustable rate mortgages, jumbo mortgages, and reverse mortgages. If you’re looking for an independent mortgage provider with a lot of products and which you can access from around the country, then Fairway is a great bet.

Better

Better Mortgage Corporation is a direct lender that uses technology to provide a fast and transparent digital mortgage experience backed by customer support. It was founded in 2014 and is backed by big-name investors including Citi, Goldman Sachs, Kleiner Perkins, and American Express. To date, it has originated more than $2 billion in conventional mortgage loans.

FHA Rate Guide

FHA Rate Guide provides information and guidance about current mortgage rates. It has hundreds of partner lenders to help you find a suitable loan and asks careful and detailed questions about your income, debt, personal circumstances, and more to make sure that they suggest the most appropriate loan for your needs.

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Chase Bank

Chase Bank

Chase is a household name and for good reason. This financial giant has been providing flexibility, convenience, and savings to its customers for more than 150 years, has a presence in more than 100 industries, and services millions of people. Chase has a wide offering of mortgage types, flexible repayment terms, and some of the lowest down payments anywhere. Add to that an easy online application process, and Chase is an obvious choice.

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Nbkc Bank

Nbkc Bank

nbkc bank mortgage loans cover both purchase and refinancing loans, including VA and FHA loans. nbkc bank uses advanced algorithms to speed up the loan approval process. You can select from a range of repayment terms; there are no obligatory lender fees; and most of all, nbkc bank has a very high reputation for excellent customer service.

Wells Fargo

Wells Fargo

Wells Fargo has a variety of mortgage loan options for new and returning homebuyers. Offering both fixed-rate and adjustable-rate loans, a range of repayment options, and 3% down payments, Wells Fargo makes it easy for just about anyone to get a loan. Approval ratings are higher since Wells Fargo doesn’t just look at credit score, making it a great choice for first-time buyers or those with lower credit scores.

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Magnolia Bank

Magnolia Bank

Magnolia Bank is an online mortgage lender that offers loans for home purchase and refinancing. The company has access to thousands of different program options and uses a streamlined process to deliver low rates to each customer.

Credible

Credible

The Credible.com mortgage marketplace provides actual, personalized rates from multiple lenders—not teaser rates or ballpark estimates—and a streamlined digital process from shopping to close.

Morty

Morty

Morty is an online mortgage broker and personalized service for home buyers. With Morty, home buyers can find low rates from a trusted and verified network of lenders.

Paramount Bank

Paramount Bank

Paramount Bank, formerly known as Superior Bank, has been providing mortgage services in Missouri since 1970. In 2017 it was bought by Paramount Financial Group, which gave it its current name, injected capital, and transformed it into an online bank with an online mortgage lending facility serving residents of all 50 states.

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FedRateWatch

FedRateWatch

Finding competitive rates for a first-time mortgage or a mortgage refinance loan can be like finding a needle in a haystack. Good luck. Sometimes, you get lucky and find a magnet that brings the needle straight to you. That's what FedRateWatch is; your magnet for attracting competitively-rated mortgage and refinance loans. A free tool, FedRateWatch, cuts out all the work of comparison shopping, leaving only relevant results to choose from.

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USA Rate Center

USA Rate Center is a home loan and mortgage refinancing marketplace. By walking through a short, streamlined process, you can get access to a number of different home loan lenders that you can then get a free rate quote from.

HomeTap

HomeTap

Hometap offers near-immediate access to your home’s equity, which you can use for anything you’d like, from renovations to funding your child’s education and more. With a Hometap Investment, you can free yourself from debt and monthly payments that come with conventional home financing options. Fill out a quick online application to see if you qualify.

LowerMyBills

LowerMyBills

LowerMyBills.com is a convenient tool for mortgage education and loan comparison. It offers a mortgage calculator and advisory tools for searching for and finding the right lender and rates for you.

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Home Loan Analyst

Home Loan Analyst

Home Loan Analyst stands by its goal to make shopping for mortgage loans easy for you. It compares rates from a network of lenders, so you get a great loan for your specific situation. Companies in Home Loan Analyst's network offer fixed-rate, adjustable-rate, FHA, VA, and home equity loans.

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Caliber Home Loans

Caliber Home Loans

Caliber Home Loans has a wide range of mortgage products tailored to all types of home buyers. The company requires a 3% minimum down payment and a credit score of 620 or higher. Applicants have access to a wealth of online educational resources and can get loans anywhere in the U.S.

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VAloans.com

VAloans.com

VALoans.com is the foremost resource for veterans and their families to gain valuable information about VA loans and refinancing options available specifically to them. From providing eligibility requirements to comparing lenders, VAloans.com is a valuable tool for anyone looking to buy a new home or refinancing their current home via the government-backed VA loan process. Check out how to get loans for $0 down now.

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Beeline Loans

Beeline Loans

Beeline links directly to your bank, employer and tax information, and leverages the power of machine learning to provide rapid, personalized loan proposals.

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mortgage.net

mortgage.net

Mortgage.net is a free mortgage comparison engine that helps connect consumers with lenders and brokers. Its network consists of hundreds of partners, from national lenders to local lenders and agents. It takes only 1-2 minutes to complete an application, and you won’t be asked for any sensitive info. Once you’re done, Mortgage.net quickly scans your information and displays your results within seconds.

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Zillow Home Loans

Zillow Home Loans strives to help you secure your mortgage with competitive rates and fees, low down payment options and a variety of loan types to meet your needs. They keep you informed and up-to-date so that you get a smooth and transparent process when getting a mortgage.

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FHA.com

FHA.com

First time home buyers have a lot on their plate when it comes to financing. FHA loans make the home buying process both simple and affordable with flexible mortgage options.

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Reali Loans

Reali Loans

Reali Loans is an online mortgage lender offering 5 loan terms and a streamlined application process, cutting out all unnecessary paperwork and delays. Reali Loans also offers no application fees, enabling you to begin your loan process with no upfront payments.

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Unison

Unison

Unison is a revolutionary way for homeowners to access cash from their current homes. Forget the traditional methods of taking out a HELOC or reverse mortgage. Unison provides a way to tap into your home equity, without adding on more debt. There's no interest charges to worry about and no monthly payments to juggle. Unison is a smarter way to approach home equity.

Mutual of Omaha Mortgage

Mutual of Omaha Mortgage

Mutual of Omaha is a trusted brand founded in 1909. Mutual of Omaha offers a variety of fixed-rate and variable-rate mortgage options with 10, 15, 20, 25, and 30-year terms. As a direct lender, Mutual of Omaha can help you find a mortgage that fits your family’s needs. Borrowers need a minimum credit score of 620 and can check what rates they qualify for without a hard credit pull after speaking with a mortgage professional.

Ally Financial

Ally Financial

Online financial services company Ally Bank offers a range of mortgage and refinance products to those with a credit score of 620 or higher. Borrowers can take care of every aspect of their mortgage application and completion online, while those in the early stages of buying a home can receive a pre-approval in as little as 3 minutes.

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PennyMac

PennyMac

PennyMac is an online mortgage lender with low rates and low down payment options for borrowers. The company issues conventional, FHA, and VA mortgages, and handles both new home purchase loans and refinancing. The application process can be started online and completed over the phone.

eMortgage

eMortgage is an online service that allows you to easily compare mortgage offers from multiple lenders. With eMortgage, all you have to do is provide basic information about the home you’re looking for, like price and location. The service will automatically find lenders in your area and show you what offers you can qualify for. eMortgage also allows you to compare offers for mortgage refinancing, home equity loans, and reverse mortgages.

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Spring EQ

Spring EQ is a full-service online lender specializing in home equity. They offer HELOCs, home equity loans, mortgage refinancing, and mortgages. In just a few minutes you can get pre-qualified and find your rate for a home equity loan. Most loans are funded in about 3 weeks. There’s no need to visit a loan officer, the entire application process is online. Spring EQ loan officers are available by phone or email 7 days a week.

Wyndham Capital

Wyndham Capital

Wyndham Capital Mortgage is a North Carolina-based mortgage and refinance lender founded in 2001. The company has funded over $18 million in loans and has a 98% customer satisfaction rating on LendingTree. Wyndham Capital Mortgage’s application and signing processes take place online. Most mortgages close in just a few weeks and the company offers $10,000 if your closing is late. There is no minimum credit score required to apply for a mortgage.

PNC Bank

PNC Bank

In operation for more than 160 years, PNC offers a range of financial products and mortgages for both purchases and refinancing. With a focus on helping local communities, the lender also provides specialist products for veterans, medical professionals, low-income customers, and others.

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Unlock

Unlock is a real estate investor that allows homeowners to access the equity in their property without taking out a loan. Instead, it makes cash payments to customers in exchange for a share of the proceeds resulting from the future sale of their home. Homeowners using Unlock can release up to $500,000 over a 10-year term.

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Sage Mortgage

Sage Mortgage is an online mortgage lender owned by Red Ventures, the company that owns Bankrate. Sage offers financing for new home purchases and mortgage refinancing, and it enables you to complete the application process online. The company offers competitive rates, but you’ll need to undergo a soft credit check before you can see a rate quote. If you need help with your application, Sage Mortgage offers weekday support by phone and email.

Haus

Haus

Haus is a relatively new shared equity partner company. They make homeownership more affordable and flexible by giving existing homeowners access to their equity in order to lower monthly mortgage payments. Haus is an option for people looking to maximize their cash flow, or for people who are looking to cash-out a portion of their home equity to make a big purchase or to do a home improvement project.

LoanSnap

LoanSnap is an online lender that’s using artificial intelligence to improve the process of matching borrowers with mortgage loans. LoanSnap looks at your entire financial situation, including credit card debt, student loans, and your mortgage. From there, the company suggests products like a cash-out refinance or a HELOC that allows you to combine all your debt into a single loan. So, you can make a lower monthly payment and save money.

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Point

If you’re a homeowner, you can use Point to turn your home equity into cash. The company’s home equity line of credit allows you to access cash in a flexible and convenient manner—all at an affordable interest rate. To qualify, you’ll need a 680+ credit score. If approved, you’ll be able to borrow as much as $500k in home equity, and can use your credit line to fund home renovations, investments, or other major expenses.

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Weslend

WesLend Financial provides mortgage services to homeowners in 39 states. It offers fixed-rate mortgages, ARMs, jumbo loans, FHA, VA, and USDA loans, and refinancing. In addition to a 3% down payment for first-time homebuyers, WesLend features a no closing cost loan option. Most loans require a minimum credit score of 620, and APR starts at 2% for 15-year fixed-rate loans and 2.625% for 30-year fixed-rate loans.

Lenox

Lenox Financial Mortgage Corporation is licensed to provide mortgage solutions in 39 states. Services include fixed-rate loans, ARMs, jumbo loans, FHA, VA, and USDA loans, and refinancing. If you are a first-time homebuyer, you can qualify for a 3% down payment. In addition, Lenox offers a no closing cost loan option in every state except Washington. Conventional loans require a minimum credit score of 620 and are capped at $548,250.

Own Up

Own Up

Own Up is a mortgage marketplace founded by previous mortgage bankers. They offer easy-to-use online tools that help you evaluate lenders, understand how much you can afford in a home, compare offers, and even update your pre-approval letter. After building your profile, you’ll meet with a home advisor to help you decide which mortgage company is right for you. Own Up is completely free for borrowers to use.

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Interfirst

Interfirst is an Illinois-based mortgage lender founded in 2001. It offers direct-to-consumer mortgages and refinances online, as well as wholesale loans to third-party mortgage brokers. Interfirst doesn’t share current mortgage rates online, but you can get a quote and be pre-approved for a loan in minutes using the online application. Interfirst requires a minimum credit score of 620 and a minimum down payment of 15%.

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Lendevity

Lendevity

Lendevity is an online broker that helps you find the right lender for you for a home mortgage or refinance loan. You can get a quote online in minutes. Rates vary by lender but start at 2.71% APR. Loans through Lendevity typically close in 3 weeks, and the platform doesn’t charge broker fees. If you need help choosing a loan, Lendevity’s support team is available by phone, email, and text message.

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Fraction

Fraction

Fraction is a home equity product that offers loans of up to 45% of your home’s appraisal value. It features 5- and 10-year terms with rates that vary depending on the appreciation in the value of your home. With a Fraction loan, you don’t need to make a monthly payment*, and there is no penalty for paying off your loan early. The application can be completed online, and approval usually takes just a few days or weeks.

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