5 Best Mortgage Lenders with No Origination Fee of 2021
It’s hard to find a lender that doesn’t charge an origination fee. But NerdWallet has done the research and found some loan providers that claim zero origination fees.
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It’s a real challenge to find a lender that doesn’t charge an origination fee. And when it comes to the closing costs you’ll face when signing the paperwork for your loan, the mortgage origination fee can be a significant number. It’s often 1% of your total loan amount — or more.
NerdWallet constantly surveys mortgage providers about their origination fee and any other lender charges that will be included in your overall closing costs.
Here are some lenders in different borrower categories that claim zero origination fees.
NerdWallet tip: Even for lenders that have no origination fee loans, it may not be automatically offered — you may have to ask for loan terms that exclude an origination fee.
It’s a real challenge to find a lender that doesn’t charge an origination fee. And when it comes to the closing costs you’ll face when signing the paperwork for your loan, the mortgage origination fee can be a significant number. It’s often 1% of your total loan amount — or more.
NerdWallet constantly surveys mortgage providers about their origination fee and any other lender charges that will be included in your overall closing costs.
Here are some lenders in different borrower categories that claim zero origination fees.
NerdWallet tip: Even for lenders that have no origination fee loans, it may not be automatically offered — you may have to ask for loan terms that exclude an origination fee.
Summary of Best Mortgage Lenders with No Origination Fee of 2021
| Lender | NerdWallet Rating | Min. Credit Score | Min. Down Payment | Learn More |
|---|---|---|---|---|
 Better: NMLS#330511 Learn more at Better | Best for online experience | 620 | 3% | Learn more at Better |
.png) Reali Loans: NMLS#991397 Learn more at Reali Loans | Best for online experience | 620 | 5% | Learn more at Reali Loans |
 Network Capital: NMLS#11712 Learn more at Network Capital | Best for purchase loans | 620 | 3% | Learn more at Network Capital |
 NASB: NMLS#400039 Learn more at NASB | Best for VA loans | 640 | 0% | Learn more at NASB |
 PrimeLending: NMLS#13649 | Best for VA loans | 580 | 0% | Read review |
at Reali Loans
Reali Loans: NMLS#991397
Min. Credit Score
Min. Down Payment
at Reali Loans
at Network Capital
Network Capital: NMLS#11712
Min. Credit Score
Min. Down Payment
at Network Capital
PrimeLending: NMLS#13649
Min. Credit Score
Min. Down Payment
Last updated on March 1, 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 Mortgage Lenders with No Origination Fee of 2021
- Better: Best for online experience
- Reali Loans: Best for online experience
- Network Capital: Best for purchase loans
- NASB: Best for VA loans
- PrimeLending: Best for VA loans
