BEST OF
8 Best 30-Year Fixed-Rate Mortgage Lenders of 2021
NerdWallet has researched some of the best available national mortgage lenders offering 30-year fixed-rate loans, matched to your needs.
The 30-year fixed-rate mortgage: It's the backbone of American homeownership. Even though most homeowners move before the full loan term is up, the 30-year mortgage provides the peace of mind of a fixed payment schedule and an interest rate that won’t change over time. NerdWallet has found some of the best available major national mortgage lenders that offer 30-year fixed-rate loans, to help you quickly choose the right lender for your needs.
The 30-year fixed-rate mortgage: It's the backbone of American homeownership. Even though most homeowners move before the full loan term is up, the 30-year mortgage provides the peace of mind of a fixed payment schedule and an interest rate that won’t change over time. NerdWallet has found some of the best available major national mortgage lenders that offer 30-year fixed-rate loans, to help you quickly choose the right lender for your needs.
Summary of Best 30-Year Fixed-Rate Mortgage Lenders of 2021
Lender | NerdWallet Rating | Minimum Credit Score | Minimum Down Payment | Learn More |
---|---|---|---|---|
Best for online lenders | 620 | 3% | at Rocket Mortgage by Quicken Loans | |
Best for lower credit | 620 | 3% | at New American Funding | |
Best for first-time home buyers | 620 | 3% | at Quicken Loans | |
Best for online lenders | 620 | 3% | at Guaranteed Rate | |
Best for refinancing | 620 | 5% | at Reali Loans | |
Best for first-time home buyers & face-to-face service | N/A | 3% | Read review | |
Best for refinancing | 620 | 3% | at Chase | |
Best for face-to-face service | 620 | 3% | Read review |
at Rocket Mortgage by Quicken Loans
Rocket Mortgage by Quicken Loans: NMLS#3030
Min. Credit Score
Min. Down Payment
at Rocket Mortgage by Quicken Loans
at New American Funding
New American Funding: NMLS#6606
Min. Credit Score
Min. Down Payment
at New American Funding
at Quicken Loans
Quicken Loans: NMLS#3030
Min. Credit Score
Min. Down Payment
at Quicken Loans
at Guaranteed Rate
Guaranteed Rate: NMLS#2611

Min. Credit Score
Min. Down Payment
at Guaranteed Rate
at Reali Loans
Reali Loans: NMLS#991397
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Min. Credit Score
National / Regional
at Reali Loans
Citibank: NMLS#412915

National / Regional
Min. Down Payment
at Chase
Chase: NMLS#399798
Min. Credit Score
National / Regional
at Chase
Bank of America: NMLS#399802

Min. Credit Score
Min. Down Payment
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Last updated on January 21, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
To recap our selections...
NerdWallet's Best 30-Year Fixed-Rate Mortgage Lenders of 2021
- Rocket Mortgage by Quicken Loans: Best for online lenders
- New American Funding: Best for lower credit
- Quicken Loans: Best for first-time home buyers
- Guaranteed Rate: Best for online lenders
- Reali Loans: Best for refinancing
- Citibank: Best for first-time home buyers & face-to-face service
- Chase: Best for refinancing
- Bank of America: Best for face-to-face service