Best Mortgage Lenders of 2025

Updated Oct. 15, 2025

By: Ashley Eneriz

+2 more

Edited by: Cassidy McCants

Edited by: Kathryn Parkman

Best Mortgage Lenders of 2025

After reviewing ratings, fees and availability, Network Capital stands out as the best overall mortgage lender. If you want to save money upfront, Lower offers some of the lowest closing costs and smaller down payment options. For homebuyers who need to move fast, Rocket Mortgage is the best choice for quick, online closings.

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Our 6 picks for the best mortgage lenders

Best overall: Network Capital Funding Corporation
Best for low loan costs: Lower
Best for fast closing: Rocket Mortgage
Best customer service: ClearPath Lending
Best loan variety: AmeriSave Mortgage
Best for VA loans: Veterans United Home Loans

We chose these mortgage lenders by looking at customer reviews, fees, loan options and how fast they close loans. We used a scoring system that gives more weight to what matters most to borrowers: things like customer service, costs and the overall loan process.

Some of the companies we recommend are Authorized Partners and may pay us for referrals. However, this does not affect our rankings or opinions. Our goal is to give readers honest, unbiased information, and our publishing policy ensures that all content and user reviews remain free from commercial bias.

Please read our full methodology to learn exactly how we evaluate and score mortgage companies.

Compare top-rated mortgage lenders

Company		Customer rating	Our pick for	Min. credit score	Min. down payment	NMLS ID
Network Capital	Learn More	4.5 1,169 reviews 1,169 reviews	Best overall	580 to 620	Varies	#11712
Lower	Learn More	4.0 286 reviews 286 reviews	Low loan costs	580	0% to 3.5%	#1124061
Rocket Mortgage	View Rates	4.3 2,768 reviews 2,768 reviews	Fast closing	580 to 620	0% to 3.5%	#3030
ClearPath Lending	Learn More	4.5 1,710 reviews 1,710 reviews	Customer service	580 to 700	3% to 3.5%	#936436
AmeriSave Mortgage	View Rates	4.7 6,180 reviews 6,180 reviews	Loan variety	600 to 620	3% to 3.5%	#1168
Veterans United Home Loans	Learn More	4.9 1,872 reviews 1,872 reviews	VA loans	620	0%	#1907

Learn more about mortgages

All information is accurate at time of publication.

Our 6 mortgage lender picks

If you’re buying your first home or refinancing, the right lender can save you thousands of dollars and make the process easier. Whether you care most about low costs, a fast process or great service, one of these lenders can help you reach your homeownership goals.

Best overall

Network Capital

4.5

1,169 reviews

Mortgage rates: Lower than average
Minimum FICO score: 580 to 620
Availability: Most states
Time to close: As fast as 15 days

Read Reviews

Best for lower loan costs

Lower

4.0

286 reviews

Mortgage rates: Average
Minimum FICO score: 580
Availability: Most states
Time to close: Typically 30 to 60 days

Read Reviews

Best for fast closing

Rocket Mortgage

4.3

2,768 reviews

Mortgage rates: Lower than average
Minimum FICO score: 580 to 620
Availability: Nationwide
Time to close: Typically 30 to 45 days

View Rates Read Reviews

Best customer service

ClearPath Lending

4.5

1,710 reviews

Mortgage rates: Higher than average
Minimum FICO score: 580 to 700
Availability: Most states
Time to close: 25 to 45 days

Read Reviews

Best loan variety

AmeriSave Mortgage

4.7

6,180 reviews

Mortgage rates: Lower than average
Minimum FICO score: 600 to 620
Availability: Most states
Time to close: As little as 25 days

View Rates Read Reviews

Best for VA loans

Veterans United Home Loans

4.9

1,872 reviews

Mortgage rates: Lower than average
Minimum FICO score: 620
Availability: Nationwide
Time to close: Typically 35 to 50 days

Read Reviews

Methodology: How we chose the best mortgage lenders

We analyzed thousands of verified ConsumerAffairs reviews to find out what matters most to borrowers and which lenders earned the highest ratings.

Most reviewers focused on four key things:

The helpfulness of staff
The loan process
Customer service
Interest rates

We then compared top lenders on the features that matter most when choosing a mortgage, including:

Loan options
Closing costs
Closing time
Minimum down payment

Each lender received a score based on a weighted formula that measures how well it performs in each area. The top company in every category earned a “Best for” or “Our pick for” designation.

If one lender led in multiple categories, we highlighted the next-highest performer in some cases to give readers a wider range of high-quality options.

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 one of the biggest financial decisions you'll make. 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 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 11/18/2025 and are subject to change without notice. APR shown is provided by a partner of ConsumerAffairs.

Product	APR
	6.836%0.02%	Get Rates
The APR shown of 6.836% 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%.
	6.689%0.0%	Get Rates
The APR shown of 6.689% 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%.
	5.96%-0.17%	Get Rates
The APR shown of 5.960% 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%.

	5.898%0.0%	Get Rates
The APR shown of 5.898% 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

Turn your home equity into cash

Shop our cash-out mortgage refinance and HELOC lenders

Help Me Decide

How can I get the best rate?

You can get a better mortgage rate by raising your credit score and putting more money down. You can also lower your rate by buying mortgage points.

Shorter loan terms usually mean lower interest rates.

“Buyers can choose to pay points upfront to reduce their mortgage rate,” Shayowitz explained. “Each point is typically equal to 1% of the loan amount. By paying points, buyers can effectively buy down their rate.”

If you plan to stay in your home for many years, buying mortgage points could save you thousands of dollars.

How to choose a mortgage lender

Choosing the right mortgage lender is as important as finding the right home. Look for a company that offers fair rates and treats borrowers honestly.

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

	Government-backed	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.

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

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 a more detailed step. 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.

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 2025, 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

Top Picks

See who reviewers like

See our top picks

Methodology and sources: Best places to buy a home

To determine the best places to buy a home, the ConsumerAffairs Research Team analyzed U.S. metropolitan areas with populations of at least 300,000 across five weighted categories: affordability, livability, stability, growth and fluidity. Data was sourced from the U.S. Census Bureau (2024), Zillow (2025), NeighborhoodScout (2025) and the Federal Emergency Management Agency (2023).

Affordability (30 points): This category reflects both upfront and ongoing housing costs. We measured the ratio of median home sales price to median household income (15 points) and the percentage of median income spent on median housing costs for units with a mortgage (15 points).
Livability (25 points): The livability category includes violent and property crime rates per 1,000 people (each 10 points) in the largest city in each metro, plus the average climate risk index score among counties in each metro (5 points).
Stability (15 points): This category measures how rooted homeowners are and whether property values have grown over time. We considered the median time since homeowners moved in (7.5 points) and the five-year percentage change in property values from August 2020 to August 2025 (7.5 points).
Growth (15 points): This category captures short-term market movement. We analyzed the 12-month change in property values from August 2024 to August 2025 (7.5 points) and the three-month change in property values from June 2025 to August 2025 (7.5 points).
Fluidity (15 points): This category reflects the ease and speed with which properties can be bought and sold at stable, predictable prices. We measured the 12-month average of median days on market (7.5 points) and the 12-month average of the percentage of listings with a price cut (7.5 points).

In each category, the metro that performed the best was given the highest possible score, with others getting relative scores. We added the category scores together to get an overall score, which is out of 100 points.

Reference policy

We love it when people share our findings! If you do, please link back to our original article to credit our research.

For questions about the data or if you'd like to set up an interview, please contact rsowell@consumeraffairs.com.

Article sources

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

Zillow, “Housing Data.” Accessed Sept. 25, 2025.
U.S. Census Bureau, “Income in Past 12 Months (in 2024 Inflation-Adjusted Dollars).” Accessed Sept. 25, 2025.
U.S. Census Bureau, “Median Selected Monthly Owner Costs (Dollars) by Mortgage Status.” Accessed Sept. 25, 2025.
U.S. Census Bureau, “Median Year Householder Moved Into Unit by Tenure.” Accessed Sept. 25, 2025.
NeighborhoodScout, “NeighborhoodScout.” Accessed Sept. 25, 2025.
FEMA, “National Risk Index Data Resources.” Accessed Sept. 25, 2025.

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 are the different 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 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.

» RELATED: Best mortgage lenders for refinancing

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.

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.

What is the difference between a second mortgage and a reverse mortgage?

Both let you use your home’s equity, but a reverse mortgage works differently. It’s only for homeowners age 62 or older. Instead of making monthly payments, the lender pays you, and the loan is repaid when you sell your home, move out or pass away.

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

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 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.

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.

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Read more mortgage lender reviews

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1.3 522 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
1.4 1,574 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
1.4 1,978 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
1.3 25 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
1.4 22 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
1.5 8 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
1.0 1,706 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
1.2 903 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
1.2 2,040 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
1.2 782 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
1.0 4,642 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 72 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
1.1 680 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
1.1 342 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
1.1 2,921 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
1.0 33 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
1.1 123 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
1.2 10 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
1.0 356 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
1.0 455 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 75 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 26 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
1.0 894 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
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 3,762 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 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
1.0 141 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 9 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
1.0 13 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 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 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 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	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
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
4.0 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
3.8 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.	Visit Site
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
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	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	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 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	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	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	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	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
1.0 View profile	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.	Read reviews
1.0 View profile	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.	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	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
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
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	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	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	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
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	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
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	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
No reviews	Alaska-based mortgage broker 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
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 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	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	Online mortgage lender licensed in 16 states. Offers a variety of loan types for homebuyers and investors. Charges no lender fees. No down payment on FHA loans. Easy online application process.	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	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	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	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
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	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
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
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	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
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
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	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.	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
1.2 23 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 189

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 Oct. 7, 2025.
U.S. Department of Housing and Urban Development, “Looking for the Best Mortgage.” Accessed Oct. 7, 2025.
U.S. General Services Administration, “Government-backed home loans and mortgage assistance.” Accessed Oct. 7, 2025.
U.S. Department of Agriculture, “Single Family Housing Programs.” Accessed Oct. 7, 2025.
U.S. General Services Administration, “Fannie Mae.” Accessed Oct. 7, 2025.
Federal Housing Finance Agency, “FHFA Announces Conforming Loan Limit Values for 2025.” Accessed Oct. 7, 2025.

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