Best Mortgage Lenders of March 2026

Bank of America's HELOC features no annual fee as well as options for a rate discount and fixed rate, but time to close may be opaque.

Carrington Mortgage offers specialty loans for people who might have trouble getting a mortgage elsewhere, like self-employed borrowers. Average cash-out refi rates are low, though fees are on the higher side.

First Federal Bank stands out for its exceptionally low interest rates and its emphasis on government loans. Most likely to appeal to borrowers shopping for low rates and fees.

Lower's home equity loan features high borrowing limits, quick closing and several flexible term options, though online rate information is lacking.

Navy Federal is known for VA lending, but its flexible VA-like loan options truly stand out. You'll need a military connection to join the credit union.

Pennymac, known for government loans, has low average FHA rates. Best for FHA borrowers looking for low rates and an efficient digital experience.

PNC Bank has solid options for budgets large and small. Though average interest rates are on the high side, its wide selection of loans (even for lower credit scores) could be a good pick for first-time home buyers seeking a streamlined digital experience.

TD Bank is a major HELOC lender, featuring a high borrowing limit and the option to fix your rate. Borrowers with a TD Bank checking account can get a rate discount.

Tomo, established in 2020, is an online-only lender with a focus on digital efficiency and purchase loans. We’re impressed with its customizable mortgage rate tool. Average rates are on the low side, too. However, you won’t find home equity products. Mortgages are available in 34 states and counting.

Truist, one of the largest HELOC lenders in the country, offers an interest rate below prime for the first nine months, and borrowers can get a rate discount. However, you won’t find customized rates online.

U.S. Bank offers a broad selection of mortgages, including some niche options. Rates and fees are middle of the road, per federal data. The bank offers helpful tech for rate shopping and live chat, though its online application could be smoother.

Veterans United originates more VA mortgages than any other lender. Though average fees are on the higher side, it’s a solid pick for veterans and military borrowers looking for a VA loan with ample support along the way.

Alliant Credit Union allows you to see a wide range of customized mortgage rates without sharing any personal information, though customer service is geared toward credit union members.

Chase is a sizable jumbo loan lender with options for a variety of jumbo borrowers. The bank has programs that can make homebuying more affordable.

FourLeaf Credit Union, formerly known as Bethpage, is easy to join. Its average jumbo rates and fees are low, but jumbos make up a small share of overall home lending.

Rate boasts a streamlined application process, with full underwriting in as little as one business day — though for all its online conveniences, you'll still work with a human.

SoFi offers perks for existing customers, including a discount on closing costs and accessible customer support. The site primarily highlights conventional home loan offerings, so borrowers looking for other loan types may need to reach out directly for more details.