16 Best Mortgage Refinance Lenders of May 2026

Rocket Mortgage is the Goliath of home loans in the U.S. It's the largest mortgage lender by volume, and the largest refinance lender as well — though refinancing APRs are not the most competitive.

Rate boasts a streamlined online application process, but no mobile app. Though it’s among the top refinance lenders by volume, APRs are less competitive than average.

Navy Federal is known for VA lending, and it's a big refinance lender by volume. You'll need a military connection to join the credit union.

Wells Fargo has significantly shrunk its mortgage business in recent years, but it was still a major refi lender by loan volume in 2025, though APRs were less competitive than other lenders’.

Andrews Federal Credit Union is on the smaller side, but offers big value with a float-down option and fast closings. Its online rate quote tool is exceptionally informative.

Chase mortgage has an above-average reputation for consumer satisfaction and is a major refinance lender by volume.

NBKC offers a strong variety of refinance loan types and is primarily an online lender — though its app does not have mortgage features and chat support is not geared toward mortgage borrowers.

Veterans United originates more VA mortgages than any other lender. Though refinance APRs are about average, it’s a solid pick for borrowers looking for a VA loan with ample support along the way.

Real Genius is a smart pick for a do-it-yourself online quote, with a wide variety of refinance loans on offer. We’re impressed with its detailed, “no fine print” approach and options to sort and customize APR and fees.

Though it specializes in VA loans, USAA’s refinance products offer a respectable variety of loan types with average APRs. Credit union membership is limited to active military, veterans and their families.

PNC Bank has a variety of appealing refinance options, including jumbo refinance loans. It's simple to browse rates and apply online.

Network Capital offers alternative mortgage options with flexible requirements, as well as fast closings, but shoppers will need to contact the lender for loan details.

Flagstar Bank, recently acquired by Mr. Cooper, stands out for a wide variety of refinance loan types and convenient digital tools that make it easy to shop rates online.

Truist is NerdWallet’s pick for Best Refinance Lender this year. With competitive APRs and a wide variety of loan types, refinance borrowers in most states are likely to find a strong offer here.

Despite its small footprint, NC SECU offers big value — if you meet the criteria to become a credit union member.

For eligible borrowers who are open to joining a credit union, Alliant offers a strong variety of refinance options, along with some of the most competitive APRs we’ve seen.