NerdWallet offers financial tools and advice to help you understand your options and make the best possible decisions. The guidance we offer and information we provide are deeply researched, objective and independent.
We spent over 400 hours reviewing the top mortgage lenders before selecting the best for our readers. We’ve picked at least two lenders in several "best of" categories to help you find a lender that meets your needs.
When you buy a home, you’re in it for the long haul. You’ll have a mortgage payment for years, so it makes sense to find the best mortgage lender you can. To do that, you should shop for offers from at least three lenders.
Compare mortgage rates and other loan terms such as fees, time to close, the availability of online application and loan tracking, and customer service offerings. Taking the time to make an informed decision can save you thousands of dollars over the life of your loan.
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To help you choose a mortgage lender, NerdWallet has picked some of the best out there in a variety of categories to help you get the home loan with the best mortgage rate, term and fees.
NerdWallet’s best mortgage lenders
Ideal for borrowers who need to be evaluated on the basis of nontraditional credit. New American Funding offers FHA and VA loans, works with down payment assistance programs, and seeks borrowers whose credit histories don't fit the mold of traditional banking.
Ideal for tech-savvy home buyers and refinancers in its lending territory of AZ, CA, CO, IL, OR, PA, TX and WA. Lenda's automated lending platform offers round-the-clock access to application and loan-management tools.
Ideal for first-time home buyers and borrowers with less-than-perfect credit. Carrington specializing in what it calls “under-served” low-score borrowers and about 45% of borrowers have FICO scores under 650.
Ideal for first-time home buyers or those with weaker credit. CitiMortgage, a large-scale lender with a full menu of home loan products, offers low down payment options and considers alternative credit data.
Ideal for borrowers who are looking to apply for a mortgage and manage the process through online tools, whether buying or refinancing. Guaranteed Rate offers FHA, VA and USDA loans for borrowers who meet robust guidelines.
Best lenders: summary
- Quicken Loans: Purchase loans
- New American Funding: Purchase loans
- Rocket Mortgage: Online lending
- LoanDepot: Refinancing
- Veterans United Home Loans: VA mortgages
- Lenda: Online lending
- Carrington Mortgage Services: First-time borrowers
- SunTrust: Refinancing
- CitiMortgage: First-time borrowers
- Guaranteed Rate: VA mortgages