Best Mortgage Lenders

Updated May 09, 2025

By: Ashley Eneriz

+2 more

Edited by: Cassidy McCants

Edited by: Tammy Burns

Best Mortgage Lenders

Based on thousands of verified reviews, loan requirements and rates, AmeriSave is the top mortgage lender in 2025. Rocket Mortgage stands out for low rates, and Lower is the best choice for flexible credit requirements.

Our 7 picks for the best mortgage companies

Best overall: AmeriSave Mortgage
Best customer service: Better
Best loan variety: New American Funding
Best for low rates: Rocket Mortgage
Best for flexible credit requirements: Lower
Honorable mention: Network Capital
Honorable mention: 21st Mortgage Corporation

To make our top picks, the ConsumerAffairs Research Team vetted mortgage companies reviewed by more than 5,000 people. You can read our full methodology to learn more about how we compared different lenders and chose our top picks.

While our picks may be Authorized Partners that compensate us, 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.

Customer rating	Our pick for	Min. credit score	Min. down payment
4.7 6,054 reviews 6,054 reviews	Best overall	600 to 620	3% to 3.5%	View Rates
2.4 401 reviews 401 reviews	Customer service	620	3.5% to 10%	Learn more
2.4 847 reviews 847 reviews	Loan variety	580 to 640	0% to 3.5%	View Rates
4.3 2,389 reviews 2,389 reviews	Low rates	580 to 620	0% to 3.5%	View Rates
4.2 284 reviews 284 reviews	Flexible credit requirements	500 to 580	0% to 3.5%	Learn more
4.6 1,168 reviews 1,168 reviews	Honorable mention	580 to 620	Varies	Learn more
4.4 3,393 reviews 3,393 reviews	Honorable mention	No minimum	0%	Learn more

Learn more about mortgages

All information accurate as of time of publication.

Best overall

AmeriSave Mortgage

4.7

6,054 reviews

Mortgage rates: Lower than the national average
Minimum FICO score: 600 to 620
Minimum down payment: 3% to 3.5%
NMLS ID: #1168

View Rates Read Reviews

Best customer service

Better Mortgage

2.4

401 reviews

Mortgage rates: Lower than the national average
Minimum FICO score: 620
Minimum down payment: 3.5% to 10%
NMLS ID: 330511

Read Reviews

Best loan variety

New American Funding

2.4

847 reviews

Mortgage rates: Higher than the national average
Minimum FICO score: 580 to 640
Minimum down payment: 0% to 3.5%
NMLS ID: #6606

View Rates Read Reviews

Best for low rates

Rocket Mortgage

4.3

2,389 reviews

Mortgage rates: Lower than the national average
Minimum FICO score: 580 to 620
Minimum down payment: 0% to 3.5%
NMLS ID: #3030

View Rates Read Reviews

Best for flexible credit requirements

Lower

4.2

284 reviews

Mortgage rates: Around the national average
Minimum FICO score: 580
Minimum down payment: 0% to 3.5%
NMLS ID: 1124061

Read Reviews

Honorable mentions

Honorable mention

Network Capital

4.6

1,168 reviews

Mortgage rates: Higher than the national average
Minimum FICO score: 580 to 620
Minimum down payment: Varies
NMLS ID: #11712

Read Reviews

Honorable mention

21st Mortgage Corporation

4.4

3,393 reviews

Mortgage rates: Higher than the national average
Minimum FICO score: No minimum
Minimum down payment: 0%
NMLS ID: #2280

Read Reviews

Current mortgage rates

Rates are effective 06/15/2025 and are subject to change without notice. APR shown is provided by a partner of ConsumerAffairs.

Product	APR
	7.389%-0.01%	Get Rates
The APR shown of 7.389% 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%.
	6.974%-0.04%	Get Rates
The APR shown of 6.974% 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%.
	6.6%-0.02%	Get Rates
The APR shown of 6.600% 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%.

	6.133%0.0%	Get Rates
The APR shown of 6.133% is available for a 10-year 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

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Mortgage Lenders Buyers Guide

Buying a home is one of the biggest financial decisions you'll make. The process might feel overwhelming, but securing the right mortgage will set you up for long-term security. This guide breaks down mortgage types, lender comparisons and what you need to know about preapproval — helping you feel confident and financially prepared to make an offer.

Key insights

Many buyers pay as little as 3% down on conventional loans or 3.5% for FHA loans. VA and USDA loans even allow 0% down payments.

Jump to insight

Your credit score matters. A higher score means better rates and more loan options. Check your score and improve it by reducing debt and fixing errors.

Jump to insight

Sellers take preapproved buyers more seriously. During the preapproval process, a lender reviews your financials to determine how much you can borrow.

Jump to insight

Rates aren't just about the market. Your credit score, loan amount and down payment all impact your rate.

Jump to insight

How does a mortgage work?

A mortgage is a loan used to buy real estate. You borrow money from a lender — typically a bank, credit union or mortgage company — to finance the purchase of a home. Principal, interest, taxes and insurance (PITI) make up your mortgage payment.

Your loan agreement outlines how much you borrow, the interest rate and the repayment period — typically 15 to 30 years. The property itself serves as collateral, meaning the lender can repossess it through foreclosure if you fail to make payments.

» HOW TO: Buy a home in 12 steps

Types of mortgages

The two main types of mortgage loans are government-backed loans and conventional loans. Each subcategory of loan has different eligibility requirements, down payment options and risk levels.

Type of mortgage loan	Government-backed	Minimum down payment requirement	Typical credit score requirement	Best for
FHA	✔	3.5%	500 - 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% - 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.

Government-backed 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.

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

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 2025, the maximum conforming loan limit in most of the country is $806,500.
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.
Non-QM loans: A nonqualified mortgage is for self-employed buyers or homebuyers with unique financial situations. They typically have more flexible credit and income requirements than qualified mortgages.

What is a nonqualified mortgage?
Non-QM (nonqualified mortgage) loans are a type of nonconventional home loan, meaning they don’t meet certain requirements (such as proof of consistent income) set by government-backed agencies. They are often used by self-employed buyers and others with unique financial situations.
» MORE: What is a subprime mortgage?

Second mortgages

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. Home equity loans and lines of credit are the most common types of second mortgages:

Home equity loan: This lets you take out a lump sum based on your home's value. Home equity loans are sometimes used for home renovations, debt consolidation or to pay for an emergency.
Home equity line of credit (HELOC): This works like a credit card with a borrowing limit. You can withdraw multiple times over a set period.

Second mortgage vs. reverse mortgage

A reverse mortgage also lets homeowners tap into their home equity. However, only homeowners ages 62 and older can qualify for a reverse mortgage. Unlike a second mortgage, it doesn’t need to be repaid until the house is sold, the owner moves out or they pass away (leaving their estate to settle the loan).

» COMPARE: Reverse mortgage vs. home equity loan vs. HELOC

Mortgage rates and terms

The rate and term you choose directly impact your monthly payments and total interest — here’s how each option works.

Fixed vs. adjustable rate mortgages

Mortgage interest is the fee a lender charges for letting you borrow money, typically expressed as an annual percentage of your loan amount. Most lenders offer either a fixed or adjustable rate.

Fixed-rate mortgages are more predictable because the interest rate stays the same for the life of the loan (typically 15 or 30 years). The consistency of fixed rates makes it easier for homeowners to budget in the long term.
Adjustable-rate mortgages (ARM) start with a lower interest rate that later changes. For example, a 10/1 ARM term means the rate is fixed for the first 10 years and then adjusts annually based on market conditions. An ARM can be appealing if you plan to sell or refinance before the rate increases.

What is the best mortgage term length?

The most common mortgage terms are 15 and 30 years, though you can also get 20-year loans and terms shorter than five years. The real difference comes down to your monthly payments and total interest cost. The best choice depends on your financial goals and ability to afford higher monthly payments.

Shorter-term mortgages tend to have higher payments but lower rates. This helps you pay off the loan faster and save on interest over time.
Longer-term mortgages tend to have lower payments but higher interest rates. This makes them more manageable over time but ultimately more expensive.

» MORE: 13 first-time homebuyer mistakes

How to choose a mortgage lender

Choosing the right mortgage lender is just as important as selecting the right loan. First, determine the type of mortgage you need (conventional or government-backed) and decide between a fixed or adjustable interest rate. You’ll also need to choose a loan term (e.g., 15 or 30 years). Once you’ve narrowed that down, use this checklist to compare lenders:

1. Consider lender fees: The total cost of a mortgage is more than just the price of your house. As you compare mortgage companies, go over processing and underwriting fees, along with:

Closing costs amount to 2% to 5% of the home loan and include application fees, lender fees, attorney fees, earnest money, courier fees, homeowners association transfer fees, home inspection fees and title insurance.
Origination fees are usually a small percentage (between 0.5% and 2%) of the total loan amount, though some mortgage lenders offer fixed fees of $1,000 or less.
Property taxes are kept by lenders in an escrow account until payments are due, and then your lender pays them on your behalf.

2. See if buying mortgage points is an option: Some lenders let you buy mortgage points or credits to lower your interest rate. Each point typically costs 1% of your loan amount and reduces your rate by a fraction of a percent. If you plan to stay in your home long-term, this could save you thousands.

3. Understand the application and approval process: Online lenders are often faster and more convenient, but a traditional lender may offer more guidance. Many of our top picks offer a mix of online tools with loan officer support. You also want to know how long it takes to get approval and to close on your house. This usually takes 30 to 45 days, but some lenders offer expedited closings.

Compare at least three lenders to make sure you get competitive rates and terms.

4. Read reviews: When comparing mortgage company reviews, look out for red flags like poor communication, unexpected fees and processing errors. Instead, choose a lender with consistently positive feedback on its loan process and borrower support.

5. Consider working with a broker: A mortgage broker is an intermediary between the borrower (you) and a lender (financial institution). Working with a broker can save time and money, especially if you want to compare multiple lenders and find the best rate.

» MORE: Mortgage broker vs. lender

Mortgage requirements

Mortgage requirements vary by loan type and lender, but most lenders look for the following.

Credit score: Your credit score affects both loan eligibility and interest rates. Most mortgages require a minimum score between 500 and 620, though most lenders prefer higher. The higher your credit score, the better mortgage terms you will receive.
Proof of income and employment: Lenders want to see a steady income and employment history. You will likely need to provide:
- Pay stubs from the last 30 to 60 days
- W-2 forms from the last two years
- Tax returns (especially for self-employed borrowers)
- Bank statements to verify assets and savings
Down payment: While a 20% down payment helps you avoid private mortgage insurance (PMI), 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.
Debt-to-income (DTI) ratio: Your debt-to-income ratio measures your total monthly debt payments against your gross income. Most lenders prefer a DTI ratio below 43%. A lower DTI improves your chances of approval and increases your borrowing power.

» RELATED: Income needed for a $300k mortgage

Steps to take before applying for a mortgage

Preparing in advance can make the mortgage application process smoother and improve your chances of approval. Follow these steps before reaching out to lenders:

Save for a down payment: A larger down payment can lead to better loan terms and help you avoid mortgage insurance. Conventional loans typically require at least 3% down, but a higher amount can lower your monthly payments. Start saving early, and consider setting up a dedicated savings account to track your progress.
Check your credit score: A higher credit score typically results in better interest rates and more loan options. If your score is lower than you'd like, take steps to improve it — pay down existing debt, avoid new credit inquiries and address any errors on your credit report.
Reduce your debt-to-income ratio: To improve your DTI ratio, focus on paying off high-interest debts and avoid taking on new financial obligations.
Gather documents: Lenders require financial documents to verify your income, assets and employment history. Be prepared to provide recent pay stubs, W-2 forms, tax returns, bank statements and proof of employment. Organizing these documents in advance can speed up the approval process.
Research mortgage options: Understanding different loan types can help you choose the best option for your financial situation. Compare conventional, FHA, VA and USDA loans, and decide between a fixed- and adjustable-rate mortgage.

» MORE: What is house poor?

How to apply for a mortgage

Applying for a mortgage can seem like a daunting prospect, but breaking it down into steps makes it more manageable.

Evaluate your financial situation: Check your credit score, assess your debt-to-income (DTI) ratio and review your savings for a down payment and closing costs. Identify any potential credit challenges that could affect your loan approval.
Get prequalified: Prequalification is an initial assessment based on self-reported financial information. It gives you an estimate of how much you might be able to borrow but does not involve a hard credit check or lender commitment.
Get preapproved: Unlike prequalification, preapproval is a formal step where a lender reviews your financial documents, pulls your credit report and provides a conditional commitment for a loan amount and interest rate. The preapproval process typically takes a few days to two weeks and lasts 60 to 90 days.
Find a property and make an offer: Once preapproved, work with a real estate agent to find a home within your budget. Submit a competitive offer and include your preapproval letter to show sellers you are a serious buyer.
Enter underwriting and receive conditional approval: After your offer is accepted, the lender’s underwriting team verifies your financial details, assesses the home’s value and issues a conditional approval.
Get final loan approval: Once all conditions are met, the lender will issue a final approval. This means your loan is ready for closing. At least three days before closing, you’ll receive a closing disclosure outlining your final loan terms and costs.
Close your loan: Sign the final paperwork, pay any remaining closing costs and finalize your mortgage. Usually, you work with a lender and a real estate attorney during this final step. Once closing is complete, you’ll receive the keys to your new home.

Pro tip
Gather essential paperwork — pay stubs, tax returns and bank statements — before starting a mortgage application. Being organized helps speed up the process and reduces back-and-forth with your lender.
» HOW TO: Apply for a mortgage in 12 steps

How to get preapproved for a mortgage

Getting preapproved gives you a clear idea of how much house you can afford. 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. The process is typically quick and can be completed online, over the phone or in person with a mortgage lender.

Provide personal information: Lenders will ask for your name, address, phone number, government-issued ID and Social Security number to verify your identity and pull your credit report.
Submit proof of income: Be prepared to provide recent pay stubs, tax returns and W-2 forms to verify your earnings and employment history. If you're self-employed or have additional income sources, such as bonuses, alimony or freelance work, you may need to submit extra documentation.
Show bank statements: Lenders will review your recent bank statements to verify your savings, cash reserves and ability to cover the down payment and closing costs.
Disclose existing debts: Expect to provide information on outstanding debts, including credit cards, student loans, auto loans and any other financial obligations. Your debt-to-income (DTI) ratio plays a key role in your approval.
Receive your preapproval letter: If you're approved, the lender will issue a preapproval letter stating how much you can borrow and the estimated interest rate. This letter is typically valid for 60 to 90 days and strengthens your position when making an offer on a home.

Is now a good time to get a mortgage?
The real estate market is constantly fluctuating, making it hard to determine when it’s a “good” time to buy a house. Rates are currently high and inventory remains low in most areas. If rates drop, more buyers will qualify for loans, making the chance of bidding wars increase.
» MORE: Homeownership statistics by state

How are mortgage rates determined?

“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,” Shmuel Shayowitz, president and chief lending officer at Approved Funding, a multistate direct mortgage lender, said.

Lenders change rates based on competition and their own business strategies. Mortgage rates are also influenced by a combination of personal financial factors and broader market conditions.

You can get the best rate by improving your credit score and increasing your down payment, according to Shayowitz. Additionally, he recommended buying points.

Creditworthiness: Borrowers with higher credit scores typically receive lower interest rates. Lenders see them as lower-risk applicants.
Mortgage points: “Buyers can choose to pay points upfront to reduce their mortgage rate,” Shayowitz said. “Each point is typically equal to 1% of the loan amount. By paying points, buyers can effectively buy down their rate.”
Loan-to-value (LTV) ratio: The LTV ratio compares the loan amount to the home’s appraised value. A lower LTV (meaning a larger down payment) reduces the lender’s risk and can result in better rates.
Loan term length: Shorter loan terms, such as 15-year mortgages, often come with lower interest rates than 30-year loans.
Down payment size: A larger down payment lowers the LTV ratio and reduces lender risk, which can lead to a lower rate.
Market conditions: Factors like inflation, Federal Reserve policies and bond market trends impact overall mortgage rate movements.

Best housing markets in 2025

Our research team compared all U.S. states and 477 of the most populous metro areas across four categories — stability, growth and risk, affordability, and fluidity — to rank the healthiest housing markets right now. Here’s how the states stack up:

Our housing market methodology

To determine the healthiest housing markets in the U.S., the ConsumerAffairs Research Team analyzed states and metropolitan areas across four key categories: stability, growth and risk, affordability, and fluidity, with each category assigned a specific weight. Data was sourced from the U.S. Census Bureau, Zillow and Redfin.

Stability: This category measures long-term trends in homeownership and property values. It includes the median time since homeowners moved in (10 points) and the five-year percentage change in property values (10 points). Data is from the U.S. Census Bureau (2022) and the Zillow Home Value Index (2024).
Growth/risk: This category evaluates short-term market volatility. It includes the 12-month percentage change in property value (20 points). Data is from the Zillow Home Value Index (2024).
Affordability: Affordability is the most heavily weighted category, reflecting the importance of homeownership cost. We measured the relationship between median sales price and median household income (40 points). Data is from the U.S. Census Bureau (2022) and Redfin (2024).
Fluidity: This category tracks the speed at which homes sell, indicating market demand. It includes the median days on the market for a property (20 points). The data is from Redfin.

FAQ

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.

Are there mortgage lenders that specialize in first-time homebuyers?

We recommend Zillow Home Loans for first-time homebuyers because its loan process is easy to navigate. Many mortgage lenders offer guidance, incentives and special programs for first-time homebuyers, though. It can be helpful to search for reviews from other first-time homebuyers to see how they liked specific mortgage companies.

» COMPARE: Best mortgage lenders for first-time buyers

Can I get a mortgage loan to build a house?

Yes, construction loans are a type of home loan available to finance building a brand-new home. A regular construction loan is different from a mortgage because there is no existing property to use as collateral for the loan, which makes it riskier for the lender. As a result, lenders often charge higher interest rates and require larger down payments for construction loans.

Can I pay off my mortgage early?

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

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.

Methodology

To determine our five top picks, including our pick for the best overall mortgage company, we used a weighted scoring system that took into account both reviews about each company from ConsumerAffairs users and specific company offerings we researched.

We conducted sentence-by-sentence sentiment analysis of thousands of reviews on our site from Oct. 1, 2021, to Sept. 30, 2024, to identify the aspects people care about most — and which companies reviewers were happiest with in terms of these aspects. For mortgage, these included:

Staff
Loan process
Customer service

We then carefully selected the most important offerings consumers should consider before choosing a lender and researched these offerings at each company. For mortgage, these features included:

Variety of loans
APRs
Guarantees
Credit score requirements

The company with the highest score in each category’s uniquely weighted formula was given the “Our pick for” or “Best for” designation. In some cases where a single company received the top score across multiple categories, the company with the next-highest score was named the winner.

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Read more mortgage lender reviews

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3.3 2,554 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
3.2 15 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
2.9 1,716 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
2.2 944 reviews	Offers lending and mortgage services directly to consumers. Mortgage products include purchase and refinance options, including conventional loans, FHA loans, VA loans and USDA loans. Personalized dashboard for each customer.	Read reviews
2.2 1,585 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
2.2 199 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
1.9 206 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
1.7 1,974 reviews	Offers fixed- and adjustable-rate mortgages for purchase and refinance. Has FHA, VA, jumbo and conventional loan options. Get pre-qualified online or in person. Provides an online interactive mortgage calculator.	Read reviews
1.6 20 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
1.6 11 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
1.3 2,006 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
1.3 868 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.	Read reviews
1.3 60 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
1.4 42 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
1.5 670 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
1.3 2,918 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
1.3 123 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
1.0 1,670 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
1.2 756 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
1.1 4,622 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
1.1 513 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
1.1 341 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
1.2 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
1.0 32 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
1.3 20 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
1.0 346 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
1.0 452 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
1.0 1,567 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
1.0 72 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
1.0 139 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
1.0 3,761 reviews	Offers conventional loans and government-backed mortgages, including VA, FHA and USDA loans. Loans likely stay with Caliber instead of being sold to another company. Licensed in all 50 states, with local consultants in 43 states.	Read reviews
1.0 141 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
1.0 1,029 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
1.0 433 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
1.0 17 reviews	Nationwide mortgage lender and servicer. Offers conventional and government-backed mortgages, including FHA and VA loans. Fixed and adjustable rates available. Specialty loans for real estate investors.	Read reviews
1.0 12 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
1.0 8 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
1.0 View profile	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
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
1.0 180 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
5.0 View profile	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
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
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
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
4.0 View profile	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
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
3.7 View profile	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.	Read reviews
3.7 View profile	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
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. Can link bank accounts to analyze transactions.	Read reviews
1.0 View profile	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
1.0 View profile	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
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
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
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
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
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
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
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
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
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
1.0 View profile	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.	Read reviews
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
1.0 View profile	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
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
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
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
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
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
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
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
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
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
No reviews	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.	Write a review
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
No 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.	Write a review
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
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
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
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
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
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
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
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
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
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
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
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 620 to 680.	Write a review
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
No reviews	Mortgage lender that operates in three states. Offers VA, FHA, USDA, good neighbor and conventional loan types. Origination fee of 0.5% to 1% of the loan amount. Minimum credit scores of 580 to 660.	Write a review
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
No reviews	Mortgage lender that evaluates your entire financial situation to find the right purchase loan, refinance loan or HELOC for you. FHA, VA and conventional loans. Offers standard and cash-out refinancing. Available in 30 states.	Write a review
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
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
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
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
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
No reviews	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 48 states and Washington, D.C.	Write a review
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
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
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
No reviews	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.	Write a review
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
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
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
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
No reviews	Offers various mortgage types. Over two decades of experience. Prequalification available. Limited info on costs, fees and rates. Currently licensed in four states.	Write a review
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
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
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
No reviews	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.	Write a review
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
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
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
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
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
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
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
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
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 scores of 700 to 720.	Write a review
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
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
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
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
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
No reviews	Online mortgage lender licensed in 47 states and Washington, D.C. No application, processing or underwriting fees. $5,000 on-time closing guarantee. Offers electronic closings. Purchase and refinancing options available.	Write a review
No reviews	Online mortgage lender. Serves all states except New York and Hawaii. Allows buyers to be all-cash buyers during the purchase process of single-family homes. Offers home loans and refinancing through New American Funding.	Write a review
1.0 12 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
No reviews	Direct mortgage lender. Serves CT, FL, NJ, NY and PA. Offers multiple purchase loan options, including conventional, VA, USDA and FHA loans. Also offers refinancing and reverse mortgages.	Write a review

Showing 10 of 177

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 April 15, 2025.
U.S. Department of Housing and Urban Development, “Looking for the Best Mortgage.” Accessed April 15, 2025.
U.S. General Services Administration, “Government-backed home loans and mortgage assistance.” Accessed April 15, 2025.
U.S. Department of Agriculture, “Single Family Housing Programs.” Accessed April 15, 2025.
U.S. General Services Administration, “Fannie Mae.” Accessed April 15, 2025.
Federal Housing Finance Agency, “FHFA Announces Conforming Loan Limit Values for 2025.” Accessed April 15, 2025.

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