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Best mortgage lenders

Explore the country’s top lenders based on your unique circumstances.

Buying a new home is an exciting time at any stage of life. But amid a multitude of mortgage lenders, choosing the right one can be a challenge. To point you in the right direction, here are our picks for America’s top lenders.

What are the best mortgage lenders?

How we picked the best lenders

We chose these five lenders based on several criteria, including fees, loan amounts, interest rates and eligibility requirements. We also considered customer reviews from sites such as Trustpilot and the Better Business Bureau (BBB). Learn more about our home loan rating methodology.

Best for refinancing


See rates
on Better's secure website
Plenty of mortgage lenders offer refinancing loans, but few are as impressive as Better. Better is a direct lender that doesn't charge origination fees. Plus, the company price-matches competitors if you find a better deal elsewhere. Better's loan officers don't earn commissions on loans, so you don't have to worry about pressure to pick options you're not interested in.

Best for first-time buyers

Rocket Mortgage

See rates
on Rocket Mortgage's secure website
Between the seemingly endless documents and the confusing terminology, buying a home can be stressful if you've never done it before. With Rocket Mortgage, the preapproval process takes place online, and you can get a conditional prequalification in less than 10 minutes. The company offers more options than many other mortgage lenders, and there's no penalty for paying your loan off early.

Guaranteed Rate

When it comes to mortgage rates, a difference of just 1 percentage point can translate to tens of thousands of dollars over the life of your loan. Guaranteed Rate offers some of the lowest mortgage rates in the industry, online prequalification only takes a few minutes and the company is committed to transparency when it comes to calculating rates.

Best for veterans

Veterans United

See rates
on Veterans United's secure website
To thank veterans for their service to our country, the US government has established exclusive programs that help members of the military purchase homes. Several mortgage lenders specialize in these programs, but among them all, Veterans United is the best. Its specialists can walk you through every step of the process. The lender also has low rates, earns an impressive rating of 4.9 out of 5 on Trustpilot and offers approval with no down payment to qualified veterans.

Best lending marketplace


This San Francisco–based company was founded in 2012 with a focus on student loans. Today it can help you secure a mortgage as well. Yet unlike traditional mortgage lenders that loan out their own capital, marketplace lenders like Credible act as brokers that match borrowers with investors. Credible's loan officers aren't commissioned, so they won't try to upsell you on options you're not interested in. Plus, the excellently rated marketplace doesn't charge fees and offers higher lending limits than many of its competitors.

Compare mortgage lenders

Compare top brands by home loan type, state availability and credit score. Select See rates to provide the lender with basic property and financial details for personalized rates.

Name Product Loan products offered State availability Min. credit score
(NMLS #1121636)
Conventional, Home equity, Refinance
Not available in: HI, MO, NM, NY, WV
No hidden fees, multiple loan terms, and member discounts available.
Rocket Mortgage
(NMLS #3030)
Rocket Mortgage
Conventional, Jumbo, FHA, VA, Refinance
Available in all states
Streamline your mortgage from quote to final payment — all from your computer or phone.
(NMLS #330511)
Conventional, Jumbo, FHA, Refinance
Not available in: HI, MA, MN, NV, NH, VT, VA
Online preapproval in minutes and no origination fees with this direct lender.
(NMLS #1136)
Conventional, Jumbo, FHA, VA, USDA, Home Equity, HELOC, Reverse, Refinance
Available in all states
Connect with vetted home loan lenders quickly through this online marketplace.

Compare up to 4 providers

How do I choose the best mortgage lender?

Choosing the right lender can be a challenge if you’re not sure what to look for. A few features to compare while you’re shopping around:

  • Types of loans. There are several types of mortgages — including jumbo, conventional, fixed rate, adjustable rate and government insured. Not all lenders offer all types, so knowing which kind you want can help you narrow down your options.
  • Mortgage rates. Generally speaking, the lower the rate on a home loan, the less you’ll pay over time.
  • Down payment requirement. If the amount you’re able to put down on a home is limited, the lender’s requirements based on your financial situation can make or break your purchasing power.
  • Cost and fees. Some are less than transparent. Comb through the fine print and ask about all fees involved.
  • Prepayment penalties. Some lenders penalize you for paying off your loan early, while others don’t. If you plan on paying off your mortgage ahead of time, look for a lender that won’t charge you a fee for it.
  • Credit score flexibility. Different lenders have different requirements when it comes to credit scores, and some are more strict than others. Knowing where your score stands can help you find the lenders most likely to approve you.
  • Face-to-face service. Many modern digital lenders lack brick-and-mortar branches. If in-person service is important to you, a more traditional lender might be a better fit.

Bottom line

Our top five mortgage lender picks offer some of the lowest rates and best loan terms around — and they’re each well-reviewed by their customers. But if they don’t align with your needs, continue comparing your mortgage options until you find the right fit.

Home loans ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top home loan providers and rate them one to five stars based on factors that are most important to you. These factors include: rates and fees, product selection and borrower experience.

Read the full methodology of how we rate home loan providers.

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