Best Mortgage Lenders of 2026

Updated Sep. 19, 2026

By: Ashley Eneriz

+2 more

Edited by: Kathryn Parkman

Fact-checked by: Jon Bortin

Best Mortgage Lenders of 2026

AmeriSave Mortgage is our pick for the best mortgage lender of 2026. Lower stands out for offering the best loan variety, but Tomo is the better pick if you’re on a tight deadline.

The right mortgage lender can affect how much you pay, how quickly you close and which loans you qualify for. We compared lenders based on rates, fees, loan options, customer reviews and other factors to find the best choices for different borrowers.

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Our 6 picks for the best mortgage lenders

Best overall: AmeriSave Mortgage
Best loan options: Lower
Best for fast closing: Tomo
Best VA loans: Veterans United Home Loans
Best for personalized service: ClearPath Lending
Best for keeping costs down: Rocket Mortgage

The ConsumerAffairs Research Team evaluated mortgage lenders based on customer reviews, rates and fees, loan options, availability and the overall borrowing experience. We focused on what matters most to homebuyers: affordability, a smooth mortgage process and reliable service.

Read our full methodology to see how we ranked the best mortgage lenders.

Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations. Our publishing policy ensures that the journalistic content and user reviews on ConsumerAffairs remain independent of commercial influences.

Compare the best mortgage lenders

Company		Customer rating	Our pick for	Typical closing costs	Closing time	Minimum down payment	NMLS ID
AmeriSave Mortgage	View Rates	4.6 6,451 reviews 6,451 reviews	Best overall	6%	60 days	0% to 3.5%	#1168
Lower	Learn More	4.7 297 reviews 297 reviews	Loan variety	6%	60 days	3.5%	#1124061
Tomo Mortgage	Learn More	4.5 84 reviews 84 reviews	Fast closing	5%	12 to 21 days	0% to 3.5%	#2059741
Veterans United Home Loans	Learn More	4.9 2,425 reviews 2,425 reviews	VA loans	6%	45 days	0%	#1907
ClearPath Lending	Learn More	4.6 1,801 reviews 1,801 reviews	Personalized service	5%	50 days	3.5%	#936436
Rocket Mortgage	View Rates	3.8 3,352 reviews 3,352 reviews	Low loan costs	3 to 6%	Typically 30 to 45 days	0% to 3.5%	#3030

Learn More About Mortgage Lenders

Best overall

AmeriSave Mortgage

4.6

6,451 reviews

Mortgage rates: Lower than average
Minimum credit score: 500 to 620
Minimum down payment: 0% to 3.5%
Availability: 49 states and Washington, D.C.

View Rates Read Reviews

Best loan options

Lower

4.7

297 reviews

Mortgage rates: Average
Minimum credit score: 580
Minimum down payment: 3.5%
Availability: Most states

Read Reviews

Best for fast closing

Tomo Mortgage

4.5

84 reviews

Mortgage rates: Lower than average
Minimum credit score: 580
Minimum down payment: 0% to 3.5%
Availability: Most states

Read Reviews

Best for VA loans

Veterans United Home Loans

4.9

2,425 reviews

Mortgage rates: Lower than average
Minimum FICO score: 620
Availability: Nationwide
Time to close: 45 days

Read Reviews

Best for personalized service

ClearPath Lending

4.6

1,801 reviews

Mortgage rates: Higher than average
Minimum credit score: 580 to 700
Minimum down payment: 3.5%
Availability: 30 states

Read Reviews

Best for low loan costs

Rocket Mortgage

3.8

3,352 reviews

Mortgage rates: Lower than average
Minimum credit score: 580 to 620
Minimum down payment: 0% to 3.5%
Availability: Nationwide

View Rates Read Reviews

Methodology: How we chose the best mortgage lenders

The ConsumerAffairs Research Team compared mortgage lenders using verified customer reviews, loan options, closing times and costs.

We analyzed verified reviews submitted between Sept. 1, 2023, and Aug. 31, 2026, focusing on satisfaction with:

Staff
Loan process
Customer service
Rates

We also compared:

Mortgage loan types
Typical closing time
Closing costs
Minimum down payment

Recent review activity and company response rates were included too.

How winners were determined

Each lender received a score from zero to 10 for each metric. We then weighted those scores differently depending on the award. For example, “Best for fast closing” gives more weight to closing speed, while “Best loan variety” focuses more on the types of mortgages available.

The highest-scoring lender generally earned the corresponding “Our pick for” designation. In some cases, we selected another high-scoring lender to give borrowers a broader range of strong options to compare.

Mortgage Lenders Buyers Guide

Jump into our guides and start learning

In this guide

Top Picks

See who reviewers like

See our top picks

Getting a mortgage is a major financial commitment. This guide breaks down everything you need to know about the mortgage application process, from understanding requirements to closing on your new home.

Key insights

A mortgage rate is the interest rate charged by a lender on a home loan. It determines how much you’ll pay in interest over time in addition to repaying the borrowed amount.

Jump to insight

During the preapproval process, a lender reviews your financials to determine how much you can borrow.

Jump to insight

According to our latest study, Syracuse, New York; Green Bay, Wisconsin; and Rockford, Illinois are the best metros for homeowners right now.

Jump to insight

Mortgage rates

Mortgage rates are the interest rates lenders charge on home loans, and they determine how much you’ll pay in interest over the life of your loan.

“Mortgage rates are influenced by a combination of factors, and understanding these factors can help buyers secure the best mortgage rate, even in a high-rate environment,” explained Shmuel Shayowitz, president and chief lending officer at Approved Funding, a multistate direct mortgage lender.

Factors like inflation, Federal Reserve policies and bond market trends impact overall mortgage rate movements. Lenders also change rates based on competition and their own business strategies.

Current mortgage rates

Rates are effective 02/05/2026 and are subject to change without notice. APR shown is provided by a partner of ConsumerAffairs.

Product	APR	Change
30-year fixed	6.716%	-0.03%
20-year fixed	6.398%	0.0%
30-year fixed VA	5.742%	0.0%

The APR shown of 6.716% is available for a 30-year fixed rate loan in the amount of $200,000 for consumers with loan-to-value of at least 80%.

The APR shown of 6.398% is available for a 20-year fixed rate loan in the amount of $200,000 for consumers with loan-to-value of at least 80%.

The APR shown of 5.742% is available for a 30-year VA fixed rate loan in the amount of $200,000 for consumers with loan-to-value of at least 80%.

Rates are subject to change; use is subject to terms of use.

How to choose a mortgage lender

The best mortgage lenders offer competitive rates, transparent fees and loan options that match your financial profile.

1. Compare loan options and fees

Start by finding a lender that offers the type of home loan you need. Most people choose between government-backed loans and conventional loans. Each type has its own rules for credit scores, down payments and who can qualify.

Types of mortgages

	Minimum down payment requirement	Typical credit score requirement	Best for
FHA	3.5%	500 to 580	First-time buyers
USDA*	0%	620	Buyers in rural areas
VA*	0%	620	Military veterans
Conforming	3%	620	Buyers with good credit
Jumbo loans	10% to 20%	700+	Buyers in expensive markets

*VA and USDA programs do not set official minimum credit scores, but most lenders like to see a score of 620 or higher.

Types of mortgages

The two main types of mortgage loans are government-backed loans and conventional loans.

When a government entity backs a loan, it’s less risky for a private lender. This often translates to greater savings and less strict credit requirements for the borrower. These are the most common types of government-backed home loans:

FHA: Backed by the Federal Housing Administration, FHA loans have a relatively low credit score requirement. You need at least a 3.5% down payment.
USDA: Backed by the U.S. Department of Agriculture, USDA loans have a low- or no-down-payment option for buyers in rural areas. Upfront and annual guarantee fees (similar to mortgage insurance) are required.
VA: Backed by the U.S. Department of Veterans Affairs, VA loans also have low- or no-down-payment options for active military personnel and veterans.

Conventional loans, which are not insured by the government, come in two categories: conforming and nonconforming.

Conforming loans: These must meet Fannie Mae and Freddie Mac requirements (such as a maximum debt-to-income ratio and minimum credit score) to make them safe investments for individuals and institutions. In 2026, the maximum conforming loan limit in most of the country is $832,750.
Nonconforming loans: Since these do not meet the Fannie Mae or Freddie Mac standards, nonconforming loan lenders set their own guidelines and limitations. For example, jumbo loans are nonconforming loans with amounts exceeding the conforming loan limit. You need good credit (often 700-plus) and a large down payment to be eligible.

» RELATED: Best mortgage lenders for refinancing

What to know about origination fees

Origination fees differ by lender and cover costs like processing and underwriting. Most borrowers pay between 0.5% and 2% of the loan amount, though some lenders charge a flat fee of about $1,000 or less.

Other expenses, such as property taxes and title insurance, stay about the same no matter which lender you choose.

2. Consider the approval timeline

Online lenders are usually faster and easier to use, but local banks or credit unions can give you more personal help.

Ask how long it takes to get approved and close on your loan. Most lenders take 30 to 45 days, but some can close faster.

3. Check reviews and reputation

When reading reviews, watch for warning signs like poor communication, surprise fees or paperwork mistakes. Pick a lender with good reviews for customer service and a smooth loan process.

Should I work with a broker?
A mortgage broker connects you with different lenders and helps you compare rates. Working with a broker can save time and money if you want to compare multiple options and find the best rate.
» MORE: Mortgage broker vs. lender

How to apply for a mortgage

Applying for a mortgage involves a series of clear steps, from preparing your finances, researching rates, getting prequalified to closing on your loan.

1. Prepare your finances

Mortgage requirements vary by loan type, but most lenders look at three main things:

Credit score: Your credit score affects both your loan options and your interest rate. Most mortgages require a score between 500 and 620, though higher scores can help you get better rates and loan terms.
Debt-to-income (DTI) ratio: This number compares how much debt you pay each month to how much you earn before taxes. Most lenders prefer a DTI below 43%. A lower debt-to-income ratio makes it easier to qualify and can increase how much you can borrow.
Down payment: A 20% down payment helps you avoid private mortgage insurance (PMI), but many lenders offer lower down payment options between 0% and 3.5%. Your down payment requirement depends on the loan type and your credit score. Some mortgages, like VA and USDA loans, don’t require any down payment at all.

Did you know?
Your loan-to-value (LTV) ratio compares your loan amount to your home’s appraised value. A lower LTV (which means you put more money down) reduces the lender’s risk and may help you qualify for better rates.
» RELATED: Income needed for a $300k mortgage

2. Gather documents

Lenders need to verify your income, savings and job history. Having these ready can speed things up:

Pay stubs from the last 30 to 60 days
W-2 forms from the last two years
Tax returns (especially if self-employed)
Bank statements showing your savings and assets

3. Research rate options

Most lenders offer either fixed or adjustable interest rates.

Fixed-rate mortgages have the same rate for the entire loan (usually 15 or 30 years). They make it easier to plan your budget because your payment won’t change.
Adjustable-rate mortgages (ARMs) start with a lower rate that changes later. For example, a 10/1 ARM has a fixed rate for 10 years, then adjusts each year based on the market. An ARM can be a good choice if you plan to sell or refinance before the rate increases.

4. Get prequalified

Getting preapproved gives you a clear idea of how much house you can afford. It’s quick, doesn’t affect your credit score (no hard credit check) and helps you understand your budget.

It does not guarantee final loan approval, but it does give you a competitive edge in the homebuying process by showing sellers you are financially prepared to move forward.

5. Get preapproved

Preapproval is when the lender reviews your financial documents and credit report to give you a conditional loan offer with a set amount and interest rate.

Preapproval usually takes a few days to two weeks. Once approved, you’ll get a preapproval letter that shows sellers you’re a serious buyer. Most letters are valid for 60 to 90 days and strengthens your position when making an offer on a home.

6. Find a home and make an offer

After you’re preapproved, work with a real estate agent to find a home that fits your budget.

Always include your preapproval letter when you make an offer. This shows sellers that you are a serious buyer with financing ready.

7. Go through underwriting and conditional approval

Once your offer is accepted, the lender’s underwriting team reviews your financial details and orders an appraisal to confirm the home’s value. If everything looks good, you’ll receive conditional approval (meaning the lender just needs a few final items before full approval).

8. Get final loan approval

When all the conditions are met, you’ll receive final approval. This means your loan is ready to close.

At least three days before closing, your lender will send you a closing disclosure listing all your final terms and costs.

9. Close on your loan

At closing, you’ll sign the final paperwork, pay any remaining closing costs and finalize your mortgage.

You’ll usually work with your lender and a real estate attorney during this final step. Once closing is complete, you’ll receive the keys to your new home.

Explore average closing costs by state

The best places to buy a home

If you’re looking for the perfect place to buy a home, there are a few key factors to consider. Ideally, you find somewhere affordable and safe, but you don’t want a housing market that’s too volatile.

To find the best places to buy a home in 2026, we analyzed data from 166 metro areas with populations of at least 300,000. For each metro, we compared metrics for affordability, safety and climate risk, as well as the stability, growth and fluidity of the housing market. Below, see how your metro stacks up.

BEST METROS TO BUY A HOME

Syracuse, New York
Green Bay, Wisconsin
Rockford, Illinois
Scranton, Pennsylvania
Rochester, New York

WORST METROS TO BUY A HOME

San Francisco, California
Miami, Florida
Los Angeles, California
Naples, Florida
Austin, Texas

FAQ

How does a mortgage work?

A mortgage is a loan you use to buy a home. You borrow money from a bank, credit union or mortgage company and agree to pay it back over time with interest.

Your monthly mortgage payment usually includes principal, interest, taxes and insurance (PITI)

Your loan agreement lists how much you borrow, your interest rate and how long you’ll take to pay it off — usually 15 to 30 years. The home itself acts as collateral, meaning the lender can repossess it through foreclosure if you fail to make payments.

» HOW TO: Buy a home in 12 steps

Is now a good time to get a mortgage?

The real estate market is constantly fluctuating, so it’s hard to say when the “best” time to buy is. Right now, interest rates are high and inventory is low in many areas.

If rates drop later, more people will qualify for loans. But that can also lead to more competition and bidding wars.

» MORE: Homeownership statistics by state

How long does it take to get a mortgage?

The total time to obtain a mortgage — from application approval to closing — is typically anywhere from 30 to 60 days. However, this timeline may change depending on several factors, such as delays in the underwriting process or appraisal scheduling.

What is a second mortgage?

With a second mortgage, you’re borrowing against the equity you’ve built in your home, using it as collateral. Like your original (primary) mortgage, it comes with fixed terms, monthly payments and interest. But it’s separate from your first mortgage.

Can I pay my mortgage off early?

Many mortgage lenders allow early repayment, but some may include prepayment penalties. Check with your lender to understand any restrictions or fees.

What credit score do I need for the best mortgage rates?

To qualify for the best mortgage rates, most lenders look for a credit score of 740 or higher. Borrowers with scores in the mid-700s and above typically receive the lowest available interest rates and best loan terms.

You can still qualify for a mortgage with a lower score, often as low as 500 to 620 depending on the loan type, but you’ll likely pay a higher interest rate.

Are online mortgage lenders safe?

Yes, many online mortgage lenders are safe and legitimate. Reputable online lenders are licensed, follow federal and state regulations and use secure technology to protect your personal information.

Before applying, confirm the lender is registered in your state, read customer reviews and compare loan estimates to make sure rates and fees are competitive.

Disclaimer

Information in this guide is general in nature and is intended for informational purposes only; it is not legal, health, investment or tax advice. ConsumerAffairs.com makes no representation as to the accuracy of the information provided and assumes no liability for any damages or loss arising from its use.

Guide sources

ConsumerAffairs writers primarily rely on government data, industry experts and original research from reputable publications to inform their work. Specific sources for this article include:

Consumer Financial Protection Bureau, “Mortgages.” Accessed Sept. 15, 2026.
U.S. Department of Housing and Urban Development, “Looking for the Best Mortgage.” Accessed Sept. 15, 2026.
U.S. General Services Administration, “Government-backed home loans and mortgage assistance.” Accessed Sept. 15, 2026.
U.S. Department of Agriculture, “Single Family Housing Programs.” Accessed Sept. 15, 2026.
U.S. General Services Administration, “Fannie Mae.” Accessed Sept. 15, 2026.
Federal Housing Finance Agency, “FHFA Announces Conforming Loan Limit Values for 2026.” Accessed Sept. 15, 2026.

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Read more mortgage lender reviews

Company	Customer rating	About	Learn More
Network Capital	4.6 1,170 reviews	Offers conventional, FHA and VA home purchase and refinance loans with fixed and variable rates. Publishes rates online. Online application process. No lender fees for qualifying borrowers. Available in 43 states.	Read Reviews
Veterans United Home Loans	4.9 2,425 reviews	Specializes in loans for veterans, active-duty military and their spouses. Offers conforming, jumbo and refinancing VA mortgages. No private mortgage insurance requirements. Serves all 50 states.	Read Reviews
AmeriSave Mortgage	4.6 6,451 reviews	Provides custom quotes with no obligation to purchase or refinance. Offers conventional, FHA, VA and USDA loans. Minimum credit score requirement of 600 to 620. Available in 49 states.	View Rates
Lower	4.7 297 reviews	Fintech mortgage lender. Online application, including document upload. Lists rates on website. Not available in all states. Covers refinancing fees after initial loan. No hard credit check until you’re ready to buy.	Read Reviews
ClearPath Lending	4.6 1,801 reviews	Offers conventional and government-backed loans, including FHA and VA, for home purchasing, as well as refinancing. Fixed and adjustable rates. Jumbo loans. Licensed in 31 states. Apply online and track your application.	Read Reviews
Rocket Mortgage	3.8 3,352 reviews	Online lender with multiple mortgage and refinancing options. 24/7 online services and Learning Center. No in-person assistance. Works with credit scores as low as 580. Available in every state and Washington, D.C.	View Rates
Quicken Loans	4.9 164 reviews	Conventional, FHA, VA and jumbo loans. Refinancing options available to lower payments, change terms or take cash out. Minimum credit score requirement: 580 to 620. Available nationwide.	Read Reviews
BNC National Bank	4.9 105 reviews	Traditional bank with mortgage offices. Offers home purchase loans, refinancing loans and more. Available in all 50 states. Apply for loans online. Specializes in loans for veterans and first-time homebuyers.	Read Reviews
RefiJet Mortgage	5.0 View profile	Offers various mortgage types. Over two decades of experience. Prequalification available. Limited info on costs, fees and rates. Currently licensed in four states.	Read Reviews
First Access Lending	5.0 14 reviews	Direct lender serving 16 states and Washington D.C. Wide selection of mortgage products. Entirely digital loan process. Online portal for borrowers. Operates through the financial services company, East Coast Capital.	Read Reviews
Smartfi Home Loans, LLC	4.8 10 reviews	Mortgage lender with purchase, refinance and reverse mortgage options. Conventional and government-backed loans. Helps seniors make informed decisions for retirement. Online quotes and application. Available in select states.	Read Reviews
Achieve Personal Loans	4.7 948 reviews	Loan amounts from $5,000 to $50,000. Select from 24- to 60-month terms. APR from 8.99% to 35.99%. Requires 620 credit score. Origination fee up to 6.99%. No prepayment penalty.	Read Reviews
NewDay USA	4.7 2,084 reviews	Serves U.S. veterans and their families. Helps service members secure loans, purchase homes or lower monthly mortgage payments. Prioritizes customer service and relationships with clients. One-time funding fee of 1.4% to 3.6%.	Read Reviews
Tomo Mortgage	4.5 84 reviews	Offers home loans online. Get rate quotes without sharing personal info. No lender fees. Not available in all states. No mobile app. No loans for mobile homes, construction projects or co-ops.	Read Reviews
North American Savings Bank	4.6 195 reviews	Provides home purchase, refinancing and emergency loans. Special services for veterans. Multiple locations across the Kansas City area. Minimum credit score requirements vary. Not all products are available in all states.	Read Reviews
Homefinity	4.6 110 reviews	Offers conventional loans in 15- and 30-year terms (fixed-rate and ARM), FHA loans and VA loans. Refinance and cash-out refinance available. Fully online application process and dedicated loan officer. Available nationwide.	Read Reviews
ZeroMortgage	4.6 13 reviews	Offers an array of fixed- and variable-rate conventional loans. Purchase and refinance loans available. Licensed in 41 states. No application, underwriting or lender fees. Online application process.	Read Reviews
Morty	4.4 48 reviews	Online broker, not a direct lender. Offers mortgage options for primary, secondary and investment properties. Refinances for owners that purchased through Morty. Guarantees a 14-day closing.	Read Reviews
21st Mortgage Corporation	4.1 3,525 reviews	Provides financing for manufactured or mobile homes. Offers loans for up to 100% of the cost of your property. Doesn’t operate in AK, HI, MA or RI. Also deals in multiple types of insurance.	Read Reviews
Homebridge Financial Services	4.1 897 reviews	Nonbank mortgage lender offering purchase and refinance loans, reverse mortgages and HELOCs. Low down payment options and down payment assistance available. Licensed in all states except Utah. Operates branches in 31 states.	Read Reviews
Fairway Independent Mortgage Corporation	3.8 24 reviews	Nationwide mortgage lender with many loan options. Mobile app helps with approval in minutes. Hundreds of locations across 48 states and Washington, D.C. Transfers your loan to another company once the loan is closed.	Read Reviews
BOK Financial Mortgage	3.8 1,719 reviews	Offers a wide array of conventional mortgages and government-backed FHA, VA and USDA loans. Home equity and refinancing options available. Shares current rates daily. Online application process.	Read Reviews
SWBC Mortgage	3.1 7 reviews	Offers conventional loans and government-backed loans, including FHA, USDA and VA loans. Fixed-rate and adjustable-rate loans. Construction and renovation loans. Licensed in 41 states. In-house underwriting.	Read Reviews
Unlock	3.0 70 reviews	Financial technology company offering up to $500,000 in home equity agreement. No interest and no monthly payments. Minimum FICO score of 500. Available in 26 states. Apply online and complete the process in as little as 30 days.	Read Reviews
LowerMyBills.com	2.8 214 reviews	Free online service that allows consumers to compare mortgage rates. Offers homebuying resources and tools, such as a mortgage calculator. Purchase or refinance through the company and explore other loan options.	Read Reviews
nbkc bank	2.1 72 reviews	Online bank with physical locations in the Kansas City area. Conventional, FHA, VA, new construction, home equity and refinancing. Online application process. Special programs for pilots and veterans.	Read Reviews
Network Funding	2.3 18 reviews	Promotes an easy mortgage process, with closing in 10 days. Borrowers use the simpl platform to complete application in 10 minutes and electronically sign documents. Offers FHA, conventional and jumbo loans.	Read Reviews
West Capital Lending	1.8 21 reviews	Brokerage company that partners with major lending companies. Available in 12 states. Up to nine loan program options available. In business since 2016.	Read Reviews
Wells Fargo Mortgage	1.8 1,596 reviews	Offers home purchase and refinance loans. Online and in-store services available. Work with a local consultant. Check rate estimates online. Closing costs are typically 2% to 5% of the purchase price.	Read Reviews
Zillow Home Loans	2.0 127 reviews	Offers conventional loans, FHA loans and VA loans. Available in all states except New Jersey, New York and West Virginia. Shows sample loan terms online. Online loan calculators and resources. Affiliated lender of Zillow.	Read Reviews
CMG Financial	2.0 8 reviews	Direct lender operating in all 50 states and D.C. Originates purchase and refinance mortgage products. Provides conventional, FHA, VA and USDA loans. Use app to calculate payments, upload docs and message loan officers.	Read Reviews
Vanderbilt Mortgage	1.8 2,567 reviews	Provides mortgage financing for new and used manufactured, mobile and modular homes. Mortgages include portfolio, land and home, biweekly, and fresh start. Apply online and work with a loan specialist.	Read Reviews
Gateway Mortgage Group	1.7 684 reviews	Mortgage lender offering home purchase, refinancing, construction, renovation and lot loans. Eight banking centers in Oklahoma. 170 locations nationwide. Interest rate lock program.	Read Reviews
CashCall Mortgage	1.7 49 reviews	Offers mortgage financing for buying a home, refinancing a loan or purchasing an investment property. Loans for the self-employed or investors who don’t have traditional income documentation. Licensed in 42 states.	Read Reviews
Navy Federal Credit Union	1.4 961 reviews	Not-for-profit credit union serving military, veterans and their families. Offers savings and checking accounts, credit cards and loans. Low fees. Competitive interest rates. Large ATM network across the U.S. and Canada.	Get Started
US Bank	1.3 2,102 reviews	Large bank available in 26 states. Offers checking and savings accounts, credit cards, loans, mortgages, insurance and wealth management. Large ATM network. High fees and below-average interest rates on some savings accounts.	Read Reviews
USAA Banking	1.3 814 reviews	Financial services provider for U.S. military and their immediate families. Offers banking, insurance, investments and retirement planning. Low fees. No minimum balance requirements on many accounts. Competitie APYs.	Read Reviews
LoanDepot	1.4 122 reviews	Direct lender providing digital mortgage experience. Offers purchase and refinance loans, including conventional and government-backed loans. Lifetime Guarantee waives lender fees for future refinancing. Available nationwide.	Visit Site
New American Funding	1.3 869 reviews	Offers mortgage and reverse mortgage loans. Seller and servicer of Fannie Mae, Freddie Mac and Ginnie Mae loans. Available in 49 states, with physical branches in 32 states. First-time borrowers need a 640 minimum credit score.	Read Reviews
Provident Funding Associates	1.4 200 reviews	Originates mortgage loans in 25 states. Shows live rates on its website. Offers online mortgage application and management. Multiple loan types and terms available. Lock your rate for up to 60 days.	Read Reviews
Bank of America Mortgage	1.5 2,936 reviews	Online and in-store loan services. Offers fixed-rate, adjustable-rate and jumbo loans. Pre-qualification and preapproval services available. Refinancing and home equity lines of credit available.	Read Reviews
Regions Mortgage	1.3 85 reviews	Mortgage provider with fixed-rate and variable-rate mortgage and refinancing loan options in the South and Midwest. Online application. Doesn’t post info about rates and fees. Owns and sells properties. Buyer reward program.	Read Reviews
Aven	1.3 19 reviews	Offers access to home equity lines of credit. Low interest fees. Funds available quickly. Direct cash or credit card. No application or appraisal fees. Availability and funding limited by state. Minimum 640 credit score.	Read Reviews
Better Mortgage	1.4 415 reviews	Offers purchase and refinance loan options. Apply and qualify for loans 100% online. No commission or lender fee. No prepayment penalty. Requires a minimum credit score of 620. Available in most states.	Read Reviews
Arvest Central Mortgage Company	1.3 141 reviews	Offers conventional, FHA, VA, USDA and jumbo loans in 45 states. Online application. Services 99% of its loans. Mortgage offices in Arkansas, Kansas, Missouri and Oklahoma. Online calculators, glossary and answers to FAQ.	Read Reviews
Guild Mortgage Company	1.3 221 reviews	Offers conventional, FHA, USDA, VA and jumbo loan programs for purchase and refinancing. Lock your rate for 120 days while searching for a home. Available in all states except NY. Apply online or visit a branch in 41 states.	Read Reviews
Mission Loans	1.5 8 reviews	Offers conventional and government-backed loans. Works with credit scores of at least 580. Maximum DTI of 45%. Can apply by email or by phone. Available in 46 states, but only has branches in 10 states.	Read Reviews
Cardinal Financial	1.5 87 reviews	Nationwide lender offering conventional, jumbo, FHA, USDA and VA loans. Also has specialized loans for renovations, condos and tiny houses. Provides free rate quotes. Custom-built loan origination platform.	Read Reviews
Flagstar Bank Mortgages	1.3 34 reviews	Offers home purchase and refinance loans, including conventional, jumbo, FHA, VA and USDA. Home equity loans and home equity line of credit (HELOC) available. Online application and upload portal.	Read Reviews
SoFi Home Loans	1.5 22 reviews	Purchase and refinance loan options with several terms available. Doesn’t offer government loans. Not available in all states. Provides a custom rate without performing a hard credit pull.	Read Reviews
Unison	1.4 13 reviews	Home co-investment company. Alternative to line of credit or home equity loan, with no monthly payments or interest. Settle when you sell or after 30 years. Get up to $500,000. Available in 29 states and Washington, D.C.	Read Reviews
Ally Bank	1.2 1,762 reviews	Offers online banking, robo-advisor trading, portfolio management and various loans. Stocks, ETFs, bonds, mutual funds, margin accounts and securities lending available. No commission or advisory fees.	Read Reviews
Onity Mortgage	1.1 4,697 reviews	Online lender with multiple mortgage and refinancing options, including conventional and government-backed loans. Loan officers assist at every step of the process. Offers online checklists, articles and calculators.	Read Reviews
United Wholesale Mortgage	1.3 75 reviews	Online mortgage wholesale lender that works through brokers. Issues loans through its mortgage broker partners. Mobile app and online tools. No in-person assistance. Available nationwide.	Read Reviews
Mr. Cooper	1.2 10,986 reviews	Online-based mortgage lender. Offers home loans for purchases and refinances. Provides a mobile app and multiple online homebuying tools. No in-person assistance. Available in every state and Washington, D.C.	Read Reviews
Lakeview Loan Servicing	1.0 104 reviews	Loan servicer. Processes payments, manages escrow and provides customer service. Assists with purchasing and refinancing. Offers a complimentary mortgage review. Support is available Monday through Friday.	Read Reviews
Valon Mortgage	1.2 30 reviews	Mortgage lender and servicer. Services most loans. Quick online mortgage application. Conventional and FHA loans; no VA, USDA or manufactured or modular home financing. Available in most states. Close in as little as 15 days.	Read Reviews
HSBC Mortgage	1.2 433 reviews	Provides home purchase loans, refinancing and lines of credit. Offers specialty loan programs for borrowers who don’t want to put much down or have existing relationships with the company. No government-backed loans.	Read Reviews
Carrington Mortgage Services	1.2 973 reviews	Offers lending and mortgage services directly to consumers. Mortgage products include purchase and refinance options, including conventional, FHA, VA and USDA loans. Personalized dashboard for each customer.	Read Reviews
Chase Mortgage	1.0 1,999 reviews	Offers fixed- and adjustable-rate mortgages for purchase and refinance. Has FHA, VA, jumbo and conventional loan options. Get prequalified online or in person. Provides an online interactive mortgage calculator.	Read Reviews
Flagstar Bank	1.0 701 reviews	One of largest residential mortgage originators in the U.S. Also offers checking and savings accounts, loans, credit cards and investment services. Banking only available in California, Indiana, Michigan, Ohio and Wisconsin.	Read Reviews
Citizens One	1.1 180 reviews	Offers conventional, FHA and VA loans. Specialty doctor loan program. Refinancing, home equity lines of credit and personal loans. One-on-one support and easy access to transparent pricing. Online rate-checking tool.	Read Reviews
BSI Financial Services	1.1 531 reviews	Independent service provider for performing and nonperforming loans. Provides loss mitigation, quality control, due diligence and asset management services. Owns Bizzy Labs mortgage tech. Appraisals run $350 to $550.	Read Reviews
Capital One Mortgage	1.2 124 reviews	Serves existing loans but does not write new loans. Offers refinancing, reinstatement, repayment and modification plans for homeowners who need help keeping up with mortgage payments.	Read Reviews
LendingTree	1.1 1,583 reviews	Online marketplace for secured and unsecured loans. Free to compare rates and quotes from lenders for mortgages, car loans, personal loans and more. Minimum credit score requirements vary. Available nationwide.	Read Reviews
Pulte Mortgage	1.0 28 reviews	Specializes in new construction loans. Offers a full range of home purchase loans, including conventional (fixed- and adjustable-rate), jumbo, FHA and VA. More than 200 loan options. Online loan application and dashboard.	Read Reviews
Rate Mortgage	1.1 211 reviews	Offers conforming conventional loans, jumbo loans, interest-only loans, FHA loans, VA loans, home renovation loans and HELOCs. Online application process. Provides preapprovals in about 15 minutes. Over 500 branches nationwide.	View Rates
PNC Mortgage	1.0 347 reviews	National mortgage lender with branches in 28 states and Washington, D.C. Offers conventional and government-backed purchase and refinance loans. HELOC allows you to lock in fixed rate during draw period. Check rates online.	Read Reviews
Household Finance	1.1 141 reviews	Now part of the HSBC, this corporation provides a variety of home finance solutions, including real estate secured loans and home mortgages. It operates in the United States, Canada and the United Kingdom.	Read Reviews
Movement Mortgage	1.1 14 reviews	Nationwide direct mortgage lender with loan officers in over 775 locations. Online application with quick turnaround. Options available for low-income borrowers. Rate lock up to 90 days on most mortgages.	Read Reviews
Mutual of Omaha Mortgage	1.1 13 reviews	Full-service mortgage lender. Provides purchase and refinance loans. Conventional and government-backed loans. Apply online. Licensed in 48 states and D.C. but only has locations in 24 states. Offers educational info online.	Read Reviews
First Internet Bank	1.2 429 reviews	Online-based full-service bank. Offers a variety of loan types, including conventional, jumbo, FHA, VA, construction and home equity loans. Also offers HELOCs. Available nationwide. No physical branches.	Read Reviews
Fannie Mae	1.0 125 reviews	Affordable mortgages for homebuyers and refinancing for homeowners. Works with middle- and low-income families. One of two leading government-supported market stimulators that help make housing accessible to more families.	Read Reviews
US Bank Mortgages	1.1 12 reviews	Offers home purchase loans and refinancing. Conventional fixed-rate and adjustable-rate loans. Government-backed loans, including FHA, VA and USDA. New construction and home equity loans. Posts sample rates online.	Read Reviews
Newrez	1.0 55 reviews	Online mortgage lender. Range of home loan products. Closing timeline guarantee. Entirely online application process. Special programs for buyers and sellers to reduce closing costs. Serves borrowers in 49 states.	Read Reviews
Freedom Mortgage	1.0 364 reviews	Offers home loans for purchase or refinance. Conventional, FHA, VA and USDA loans available. Licensed nationwide, including in Puerto Rico and the U.S. Virgin Islands. Rate and closing guarantees.	Read Reviews
Truist Mortgage	1.0 463 reviews	Offers conventional and government-backed products in all states except Alaska, Arizona and Hawaii. Publishes purchase and refinance rates online. Get preapproved and apply online. Local loan officers in select states.	Read Reviews
Citi Mortgage	1.0 1,035 reviews	Offers conventional, FHA, VA and jumbo loans. HomeRun Mortgage features low down payment and flexible credit requirements. Rate-and-term and cash-out refinancing. Rates online. Current Citi customers may receive special pricing.	Read Reviews
Navy Federal Credit Union Mortgage	1.0 25 reviews	Offers conventional and VA loans to members. Membership limited to people with military experience or those close to them (or existing members). Provides home equity loans and HELOCs. No PMI. Rate-lock program.	Read Reviews
Fifth Third Bank Mortgages	1.0 36 reviews	Offers conventional, FHA, USDA, VA and jumbo loan programs for home purchases, refinancing options, home equity loans and HELOCs. Available in 30 states, with physical presence in 11. Loan specialist assists at each step.	Read Reviews
Lennar Mortgage	1.0 17 reviews	Range of purchase and refinance loan options, including conventional (fixed and adjustable rate), jumbo, FHA, VA and USDA loans. Apply online to get pre-qualified in as little as 15 minutes.	Read Reviews
Royal United Mortgage	1.0 19 reviews	Offers home purchase, refinance and HELOC loans in 34 states. Dedicated loan advisor helps you at each step of the process. Processes loans in-house in two to three weeks. VA loans available.	Read Reviews
Ally Bank Mortgages	1.0 6 reviews	Offers conventional mortgages and jumbo loans at competitive rates. First-time homebuyer assistance program. Online application. Preapproval available in as little as three minutes.	Read Reviews
CrossCountry Mortgage	1.0 View profile	Offers refinancing and home purchase loans. Conventional fixed-rate and adjustable-rate loans, jumbo loans and government-backed loans, including FHA, VA and USDA. Specialty loan programs.	Read Reviews
Evergreen Home Loans	5.0 View profile	Full-service direct lender. Mortgaging and refinancing options available. Operates in 16 states. 45 branch offices in the Western U.S. Helps buyers make cash offers. Some 10- to 15-day closings.	Read Reviews
Home Point Financial	5.0 View profile	Offers FHA, VA and USDA loans and conventional mortgages. Fixed-rate and adjustable-rate purchase loans. Options for refinancing. Flexible qualifying criteria. Low down payment program. Licensed in all 50 states.	Read Reviews
On Q Home Loans	5.0 View profile	Mortgage lender with on-time close guarantee. Mobile app to apply and upload documents. Loans for various home types available. Not available in all states. Mortgage interest rate lock starts when putting in a home offer.	Read Reviews
Paramount Residential Mortgage Group	5.0 View profile	Offers FHA, VA and USDA loans. Conventional mortgages, with fixed- and adjustable-rate options. Reverse mortgages and jumbo loans. Second mortgages and non-qualifying mortgages. Serves 49 states and Washington, D.C.	Read Reviews
Promise Home Loans	3.9 View profile	Offers purchase and refinance loans with no upfront fees and communication from application through closing. No application, credit report or rate-lock fees. Check rates for conventional and government-backed loans online.	Read Reviews
Amalgamated Bank	3.0 View profile	Offers various home loan options, including FHA loans, home equity lines of credit (HELOCs), jumbo loans and VA loans. American Federation of Teachers can receive an origination fee discount of up to $700.	Read Reviews
Bankrate	1.0 View profile	Free online money management resource. Compares lenders, insurers, banks, credit card companies and other financial institutions. Offers calculators and educational materials.	Read Reviews
NFM Lending	1.0 View profile	Available in 49 states and Washington, D.C. In business since 1998. 10 loan options to choose from. Application process 100% online.	Read Reviews
PenFed Mortgages	1.0 View profile	Offers home purchase loans, refinancing and HELOCs. Conventional fixed-rate and adjustable-rate loans and jumbo loans. Government-backed loans, including FHA and VA. Credit union membership required.	Read Reviews
Ameris Bank	1.0 View profile	Offers refinancing and home purchase loans. Conventional fixed-rate and adjustable-rate loans. Government-backed loans, including FHA and VA. Construction loans. First-time buyer program. Down payment assistance.	Read Reviews
Plaza Home Mortgage	1.0 View profile	Wholesale and correspondent lender with over two decades of experience. Offers conventional, FHA, VA, USDA and reverse mortgages. Licensed in all 50 states and Washington, D.C. Physical locations in seven states.	Read Reviews
Atlantic Bay Mortgage Group	1.0 View profile	Privately owned mortgage lender. Upfront underwriting and fast closings. Only available in select states. Higher minimum credit score requirement on FHA and VA loans but lower on USDA loans. Fee amounts not disclosed.	Read Reviews
E Mortgage Capital	1.0 View profile	Mortgage broker based in California. Specializes in conventional and government-backed residential loans. Loan officers across the country. Serves 47 states. Advertises 15-minute approvals and 10-day closing timelines.	Read Reviews
KeyBank Mortgage	1.0 View profile	Refinancing and purchase loans. Conventional fixed-rate and adjustable-rate loans, including 15-, 20- and 30-year. Government-backed loans, including FHA and VA. FannieMae HomeReady program. Medical professional loans.	Read Reviews
Pennymac	1.0 View profile	Offers conventional, jumbo and government-backed loans, including FHA loans and VA loans. Programs for first-time homebuyers and purchasers of investment property. Posts purchase and refi rates.	Read Reviews
Sage Home Loans	1.0 View profile	Online mortgage broker licensed in 26 states with the goal to add more states. Offers digital and conventional home loans and refinancing. Does not offer HELOC or lines of equity. Owned by RedVentures since 2020.	Read Reviews
Wintrust Mortgage	1.0 View profile	Variety of mortgage products available. Serves all 50 states. Online application and digital document upload. Physical locations in the Midwest. Some down payment assistance programs. Rates and fees not listed online.	Read Reviews
Benchmark Mortgage	1.0 View profile	Offers purchase and refinance home loans, including conventional, jumbo, FHA, VA and USDA loans. Online application and upload portal. Performs annual in-depth review of your mortgage with personal action plan.	Read Reviews
Change Home Mortgage	1.0 View profile	Offers mortgage and reverse mortgage loans. Seller and servicer of Fannie Mae, Freddie Mac and Ginnie Mae loans. Physical branches in 16 states. Loans for traditional and nontraditional borrowers.	Read Reviews
Liberty Bank	1.0 View profile	Mortgage lender that operates in three states. Offers VA, FHA, USDA, Good Neighbor and conventional loan types. Minimum credit scores of 580 to 660.	Read Reviews
USAA Bank Mortgages	1.0 View profile	Offers home purchase and refinance loans to current military and veterans and their families. VA loans, VA jumbo loans and VA refinancing options. Posts purchase and refinance rates online. Membership is free.	Read Reviews
First Meridian Mortgage Corporation	No reviews	Online mortgage broker. Serves Virginia, Maryland and D.C. Offers a variety of loan products, including refinancing with no closing costs and home improvement loans. Debt consolidation available. Interest rate calculator.	Write a Review
Haven Home Equity	No reviews	Mortgage lender licensed in 40 states plus Washington, D.C. Offers several types of purchase and refinance loans. Conventional, government-backed and non-QM options. Mobile app for applying and tracking the loan process.	Write a Review
PrimeLending	No reviews	Extensive range of purchase and refinance loans, including conventional, fixed, adjustable, jumbo, FHA, VA and USDA. Application process 100% online. Does not publish rates. Closing assistance program.	Write a Review
Columbia Bank	No reviews	Offers home purchase and refinance loans, including conventional, jumbo, FHA, VA and USDA options. Construction loans, renovation loans, home equity lines of credit (HELOCs) and special loan programs also available.	Write a Review
Gold Star Financial	No reviews	Mortgage lender operating in 44 states. Offers conventional, jumbo, FHA, VA and USDA loans. Refinancing available. 100% online application. Down payment assistance programs. Fast preapprovals. Rate check with soft credit pull.	Write a Review
Optimum First Mortgage	No reviews	Mortgage lender that operates in 17 states. Offers conventional, FHA and VA loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 580 to 620.	Write a Review
Sun West Mortgage Company	No reviews	Offers home purchase and refinance loans, including conventional, jumbo, FHA, VA and USDA options. Also does reverse mortgages, renovation loans, small business loans and HELOCs. Not available in Georgia or Massachusetts.	Write a Review
Swift Home Loans	No reviews	Offers various home loan and refinancing options. Licensed as a broker and lender in most states. Accepts FICO scores as low as 515. Preapproval with no credit hit. No public rates or fees.	Write a Review
Union Home Mortgage	No reviews	Provides loans for home refinancing and purchases, including options for new construction and homes needing renovation. Offers conventional and government-backed mortgages. Online application process and 155+ branch locations.	Write a Review
Valley Bank	No reviews	Home mortgage products, including purchases, refinancing and home equity. Apply entirely online or at a physical branch. Programs for low-income and first-time home buyers. Nearly 100 years of experience.	Write a Review
Allied Mortgage Group	No reviews	Has offered mortgages for over 30 years. Loan advisors guide homebuyers through the process based on their needs. Wide variety of loan options, including refinancing and HELOCs. Licensed in 34 states, plus Washington, D.C.	Write a Review
Citizens Bank Mortgage	No reviews	New home and refinancing loans. Get up to $9,500 back through commission rebate program. Digital pre-qualification and application process. 0.125% interest rate discount for autopay or electronic billing. Available in most states.	Write a Review
Patriot Financial, Inc.	No reviews	Mortgage lender that operates in 13 states. Offers conventional, VA, FHA, USDA, jumbo and first-time home buyer mortgage loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 580 to 680.	Write a Review
Real Genius	No reviews	Offers home loans and refinances for primary residences and second homes. 100% online application. Preapproval decisions in minutes. Experienced mortgage bankers assigned to each home loan applicant.	Write a Review
Reliance First Capital	No reviews	Mortgage lender available in 39 states. Provides a free, no-obligation mortgage review. Offers conventional, FHA, VA and jumbo loans. Minimum credit scores of 520 to 680.	Write a Review
Absolute Home Mortgage Corporation	No reviews	Direct lender. Offers mortgages, refinancing and debt consolidation services. Online or in-person branches in six states in the Eastern U.S. Online application process. Licensed in 28 states.	Write a Review
Academy Mortgage Corp.	No reviews	Refinancing and purchase loans. Conventional and government-backed loans, including FHA, VA and USDA. Fixed-rate and adjustable-rate and 15-, 20- and 30-year loans available. Jumbo loans. Reverse mortgages. In-house underwriting.	Write a Review
Accelin Loans Mortgage	No reviews	Online mortgage applications. Conventional, fixed, ARM, USDA, FHA, VA, jumbo and other purchase and refinance loans. Colorado, Oregon and Washington only. No HELOC or construction loans.	Write a Review
Acrisure Mortgage	No reviews	Offers conventional mortgage loans (fixed-rate and ARMs), FHA loans, USDA loans, VA loans and jumbo loans. Licensed in 48 states. Construction and renovation loans available. Preapproval in as little as eight minutes.	Write a Review
Affinity Federal Credit Union	No reviews	Mortgage lender that operates in three states. Offers HELOC, construction and conventional loan types. Origination fee of 0.5% to 1% of the loan amount. Minimum credit scores of 620 to 660.	Write a Review
Alexa Home Loans	No reviews	Uses automation and AI to help homebuyers get the best rates. Aims to make the mortgage process quick. Offers several mortgage options, plus refinancing and HELOCs. Licensed in four states.	Write a Review
Approol Mortgage	No reviews	Online mortgage lender based in Miami. Available in Florida. Offers numerous mortgage products, including investment and conventional loans, HELOCs and more. Simple online application process.	Write a Review
Bank of Cadiz and Trust Company	No reviews	Mortgage lender that operates in Kentucky. Offers HELOC and construction loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 620 to 680.	Write a Review
Bank of Commerce Mortgage	No reviews	Mortgage lender that operates in one state. Offers FHA, conventional, jumbo, USDA and VA loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 580 to 700.	Write a Review
Bell Bank Mortgage	No reviews	Offers home purchase loans, refinancing, home equity loans and HELOCs. Conventional loans and government-backed loans, including FHA, VA and USDA loans. New-construction loans. Loan officers in 11 states.	Write a Review
Blue Sky Financial	No reviews	Offers mortgages in California, Colorado, Idaho, Oregon and Washington. Licensed broker and lender. 15-minute online application. Online document uploads. Two to three weeks to close.	Write a Review
Centennial Bank	No reviews	Mortgage lender that operates in five states. Offers conventional, jumbo, FHA, VA and USDA loan types. Origination fee of 0.5% and 1% of the loan amount. Minimum credit scores of 580 to 700.	Write a Review
Centier Bank	No reviews	Mortgage lender that operates in one states. Offers conventional, jumbo, VA and FHA loan types. Origination fee of 0.5% to 1% of the loan amount. Minimum credit scores of 620 to 700.	Write a Review
Cherry Creek Mortgage (Now Guild Mortgage)	No reviews	Offers conventional mortgages and government-backed loans, including FHA, USDA and VA loans. Fixed rates and adjustable rates. Jumbo loans. Reverse mortgages. Pre-qualification and preapproval available.	Write a Review
Churchill Mortgage	No reviews	Provides loans for homebuying and refinancing. Lets customers apply for loans and receive closing updates with an app. Offers locked rates for up to 90 days.	Write a Review
City Creek Mortgage Corp.	No reviews	Mortgage lender that operates in nine states. Offers USDA, VA, FHA, conventional and first-time home buyer loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 620 to 640.	Write a Review
CityWorth Mortgage	No reviews	Offers conventional and government-backed loans in 13 states and D.C. Provides a mobile app and online or phone applications. No published sample rates, physical branches or disclosed rate-lock option.	Write a Review
Embrace Home Loans	No reviews	Direct mortgage lender. Available nationwide. Local offices on the East Coast. Prequalify through text. Completes manual underwriting for borrowers with nontraditional credit. Purchase offer and closing guarantees.	Write a Review
Empire of America	No reviews	Residential purchase, refinance and cash-out loans, including fixed, adjustable, VA, FHA and jumbo options. Serves California, Texas and Florida. Offers underwritten preapprovals at no cost.	Write a Review
Figure	No reviews	Provides financial services using blockchain technology. Offers home equity lines of credit (HELOCs) and plans to offer lines of credit secured by cryptocurrency. HELOCs not available in DE, HI, KY, MD, NY, TX and WV.	Write a Review
Filo Mortgage, LLC	No reviews	Mortgage lender that operates in 28 states. Offers conventional, FHA, VA, USDA, jumbo and home equity loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 580 to 640.	Write a Review
FirstBank Mortgage	No reviews	Provides custom quotes with no obligation to purchase or refinance. Offers conventional, jumbo, new construction, FHA, VA and USDA loans. Available in Tennessee, Georgia, Kentucky and Alabama.	Write a Review
First Federal Bank	No reviews	Wide range of mortgage products with local and phone-based loan officer support. FDIC-member bank owned by customers. No published rates or fees online. Limited physical branches, mostly in the Southeast.	Write a Review
First Merchants Bank Mortgage	No reviews	Mortgage lender based in Indiana. Offers its services across the U.S. Provides home purchase, refinancing and home equity products, including conventional, jumbo (nonconforming conventional) and government-backed loans.	Write a Review
First Rate Financial	No reviews	Alaska-based mortgage brokerage offering a variety of loans. Uses a simple online application. Available in Alaska, Colorado and Idaho. Offers a $5,000 closing guarantee. Has several physical branches in Alaska.	Write a Review
Firstrust Bank	No reviews	Mortgage lender that operates in three states. Offers FHA, VA, HELOC, HomeFirst and HomeFirst Plus loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 580 to 620.	Write a Review
First Savings Bank of Hegewisch	No reviews	Mortgage lender that operates in two states. Offers jumbo and HELOAN loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 680 to 680.	Write a Review
HomePlus Mortgage	No reviews	Online mortgage lender and broker serving 13 states. Offers conforming, fixed-rate, adjustable-rate, FHA, VA and refinancing loans. Short average closing times and free rate lock.	Write a Review
Homeside Financial	No reviews	Offers conventional (conforming and jumbo) and government-backed mortgages, including FHA, VA and USDA loans. Specialty programs include construction loans, renovation loans, 80/20 loans and condo loans.	Write a Review
Homex Financial	No reviews	Mortgage lender that operates in six states. Offers FHA, VA and USDA loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 620 to 620.	Write a Review
Independent Bank	No reviews	Mortgage lender that operates in three states. Offers conventional, FHA, VA, USDA and jumbo loan types. Origination fee of 0.5% to 1% of the loan amount. Minimum credit scores of 500 to 700.	Write a Review
Institution for Savings	No reviews	Mortgage lender that operates in one state. Offers HELOC loan types. Origination fee of 0.5% to 1.5% of the loan amount. Minimum credit scores of 620.	Write a Review
Integrity Home Lending	No reviews	Home mortgage broker serving borrowers in 10 U.S. states. Provides a variety of loan types including government-backed, conventional, refinance and nonconforming. Online application process for prequalification.	Write a Review
Interstate Home Loan Center	No reviews	Offers a wide range of mortgage and loan products. Online application. Available 24/7/365. Promises quick turnaround. Upfront file review. Not available in all states. Doesn’t publicly disclose rates.	Write a Review
Kearny Bank	No reviews	Mortgage lender that operates in two states. Offers FHA, VA and HELOC loan types. Origination fee of 0.5% to 1% of the loan amount. Minimum credit scores of 580 to 680.	Write a Review
Lifestone Mortgage	No reviews	Offers conventional and government-backed loans. Works with credit scores of at least 580. Can apply online or by phone. Available in eight states.	Write a Review
LoanFlight	No reviews	Online mortgage lender licensed in 16 states. Offers a variety of loan types for homebuyers and investors. No down payment on FHA loans. Easy online application process.	Write a Review
Mechanics Bank	No reviews	Full-service bank and mortgage lender. Excellent financial rating strength. Jumbo loan options for nontraditional buyers. Down payment assistance programs available. Merger pending with FirstSun Capital Bancorp.	Write a Review
Northpointe Bank	No reviews	Offers home purchase loans, refinancing, home equity loans and HELOCs. Conventional fixed-rate and adjustable-rate loans, including jumbo loans. Government-backed loans, including VA and FHA. Zero-down options.	Write a Review
Nova Home Loans	No reviews	Offers refinancing and purchase loans. Conventional loans and government-backed loans, including USDA, FHA and VA. Fixed-rate and adjustable-rate loans with 15-, 20- and 30-year terms available. In-house underwriting.	Write a Review
Old National Bank Mortgage	No reviews	Mortgage lender that operates in eight states. Offers jumbo, construction, FHA, VA and HELOC loan types. Origination fee of 0.5% to 1% of the loan amount. Minimum credit scores of 640 to 740.	Write a Review
Owning	No reviews	Mortgage lender that operates in 44 states. Offers conventional, FHA, jumbo, VA and HELOC loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 580 to 700.	Write a Review
Pinnacle Bank	No reviews	Mortgage lender that operates in eight states. Offers conventional, jumbo, FHA, VA and USDA loan types. Origination fee of 0.5% to 1% of the loan amount. Minimum credit scores of 580 to 700.	Write a Review
Planet Home Lending, LLC	No reviews	Mortgage lender that operates in 49 states. Offers FHA, VA, USDA and jumbo loan types. Origination fee of 0.5% to 1% of the loan amount. Minimum credit scores of 580 to 680.	Write a Review
Primary Residential Mortgage	No reviews	Offers a range of home purchase loans, including conventional (fixed-rate and adjustable-rate), FHA, VA, USDA and jumbo. Loans for manufactured homes, new construction and renovation. Low down payment options.	Write a Review
Prosperity Home Mortgage	No reviews	Refinance and purchase loans, including conventional, fixed, adjustable, jumbo, FHA, VA and USDA. Expedited mortgage approval. Preapproval and rate lock available. Offers first-time homebuyer and low-down-payment programs.	Write a Review
Quorum	No reviews	Mortgage lender that operates in five states. Offers VA, FHA, USDA, jumbo and HELOC loan types. Origination fee of 0% to 1% of the loan amount. Minimum credit scores of 620 to 700.	Write a Review
Ridgewood Savings Bank	No reviews	Mortgage lender that operates in New York. Offers HELOC, HomeFirst and Good Move mortgage loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit score of 620.	Write a Review
Rosedale Federal Savings and Loan Association	No reviews	Mortgage lender that operates in Maryland. Offers jumbo and HELOC loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 700 to 780.	Write a Review
Sammamish Mortgage	No reviews	Mortgage lender that operates in five states. Offers jumbo, FHA, VA and conventional loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 580 to 680.	Write a Review
Sebonic Financial	No reviews	Direct-to-consumer mortgage lender. Backed by Cardinal Financial. Multiple loan types available. Refinancing options. Minimal information online. Call or fill out online form to speak with specialist for free rate quote.	Write a Review
SECU MD Inc.	No reviews	Mortgage lender operating in one state. Offers FHA, jumbo, VA, HELOC and conventional loans, Fannie Mae HomeReady mortgages and medical professional loans. Origination fee of 0.5% to 1%. Minimum credit scores of 620 to 720.	Write a Review
State Employees’ Credit Union Mortgage	No reviews	Full-service credit union. Offers mortgage loans and deposit accounts. No PMI loan available. 0% down loans available. No government-backed loans. Not available in all states. Must be a member to apply.	Write a Review
Strong Home Mortgage	No reviews	Online lender offering conventional and government-backed mortgage options, as well as HELOCs and refinancing. First-time homebuyer assistance available. Licensed in 29 states and Washington, D.C.	Write a Review
Summit Mortgage Corporation	No reviews	Mortgage lender and servicer. $10,000 underwriting guarantee. Available in 24 states. Physical branches throughout U.S. Direct lender of Fannie Mae and Freddie Mac loans. Single loan officer oversees the loan process.	Write a Review
SunnyHill Financial	No reviews	Mortgage lender that operates in 14 states. Offers jumbo, FHA and VA loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 500 to 680.	Write a Review
Torrington Savings Bank	No reviews	Mortgage lender that operates in one state. Offers construction, jumbo, conventional, buyer's boost and first-time homebuyers loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit score is 720 for some loans.	Write a Review
Total Mortgage Services	No reviews	Mortgage lender that operates in 45 states. Offers FHA, VA, HELOC, jumbo and USDA loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 580 to 700.	Write a Review
Unison Mortgage	No reviews	Online investment company that offers equity sharing home loans. Flexible funding options. Fixed interest rates. No in-person branches. Online application process. Minimum credit score requirement: 680. Available in eight states.	Write a Review
Upstart Mortgage	No reviews	HELOC lender. Borrow between $26,000 and $150,000, depending on your current home equity level. No hidden fees. Up to 4.99% origination fee. Appraisal not required. Not available in all states. Fast online application.	Write a Review
USAlliance Financial Mortgage	No reviews	Conforming conventional fixed- and adjustable-rate purchase loans. Jumbo loans available. Refinance loans, home equity loans and HELOCs. Pre-qualification available. Fast-track program helps qualified borrowers close in 25 days.	Write a Review
Valley West Mortgage	No reviews	Nevada-based mortgage lender. Licensed in 32 states. Has a physical branch in Las Vegas. Offers conventional, FHA, VA and USDA loans as well as several refinancing options. Online or phone-based application process.	Write a Review
Veterans First Mortgage	No reviews	Veteran-focused home loans. Over 35 years of experience. Offers VA, FHA and USDA mortgages nationwide. Personalized guidance for purchase or refinance needs. Specialists trained to work with military borrowers.	Write a Review
Washington Trust	No reviews	Mortgage lender that operates in three states. Offers VA, FHA, jumbo, construction and HELOC loan types. Origination fee of 0.5% to 1.5% of the loan amount. Minimum credit scores of 580 to 680.	Write a Review
Watermark Home Loans	No reviews	Wide range of home loans, including conventional, jumbo, FHA, VA and USDA. Specialty programs. Nonconforming loans. Interest-only loans. Low-down-payment loans. Available in 37 states. Totally remote e-closings.	Write a Review
BMO Bank (Formerly Named BMO Harris Bank)	1.0 37 reviews	FDIC-insured bank and financial institution. Checking and savings accounts. Lines of credit and loans. Investment portfolio management. Retirement IRA accounts and planning. Online/mobile banking. In-person branches.	Read Reviews

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