Best Refinance Lenders

Finding the Right Mortgage, Mortgages
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The best thing about refinancing your mortgage is that you’ve been through the home loan process before — but a lot may have changed since then. And there are more refinance lenders and more loan options now than ever.

Some refinance lenders offer the latest in online capabilities, others specialize in Federal Housing Administration or Veterans Affairs loans, and others will still discuss your loan options with you face to face.

NerdWallet has picked some of the best mortgage refinance lenders in a variety of categories so you can quickly determine which one is right for you.

Best refinance lenders for the online mortgage experience

These lenders offer easy-to-use web portals and online support for borrowers who want to apply for, track and close their refinance online.

Rocket Mortgage
  • The biggest online mortgage lender in the U.S.
  • Fully automated process that imports employment and income data, credit scores, property info and more
  • Provides a loan decision in minutes
  • Rocket Mortgage review
sofi_270x55
  • Among the first lenders to offer an all-digital lending platform
  • Offers a variety of mortgage products, including jumbo and interest-only loans
  • Uses an entirely digital mortgage refinance application
  • SoFi Mortgage review

Best refinance lenders for customer service

If quality customer service is a top priority, look into one of these lenders.

suntrust_270x55
  • Flexible options for borrowers with low down payments and nontraditional credit histories
  • Offers assistance at every point during the mortgage process
  • Provides customer service in its physical locations, online, and via chat or phone
  • SunTrust Mortgage review
guaranteed-rate-logo-55x270
  • Has hundreds of high marks and positive reviews on sites such as the Better Business Bureau, Yelp and LendingTree
  • Boasts a more than a 95% customer satisfaction rate
  • Provides a completely digital mortgage platform for both refinance and purchase customers
  • Guaranteed Rate review

Best refinance lenders for government programs

If you want to refinance a VA, FHA or U.S. Department of Agriculture mortgage, a lender that specializes in these areas will offer you the most choices and the best service.

freedommortgage_270x55
  • Offers several mortgage options, including VA, FHA, USDA loans
  • Recently expanded its outreach to USDA customers
  • Has more than 1,200 loan officers in 120 branch locations across the country
  • Freedom Mortgage review
nasb
  • Focuses on U.S. military veterans and active-duty members
  • Makes about 70% of its mortgages through the VA
  • Approves borrowers with less-than-perfect credit or nontraditional incomes
  • NASB Mortgage review

Best traditional refinance lenders

Consider these two big-name institutions if you prefer to refinance your mortgage with a widely recognized lender.

Chase-logo
  • Offers customers a multitude of refinance options
  • Services all 50 states, with offices in 22 states
  • Provides fixed, adjustable, jumbo, FHA, VA and Home Affordable Refinance Program loans
  • Chase Mortgage review
BOA-logo
  • One of the largest banks in the world
  • Offers a range of products, including fixed, adjustable, jumbo, FHA and VA loans
  • Create an account to upload documents, download loan disclosures, e-sign and more
  • Bank of America review

Best credit union refinance lenders

If a big bank or online lender just isn’t for you, consider joining and refinancing through a credit union.

connexus_270x55
  • A national lender with nine branch locations in four states
  • Get a no-hassle mortgage comparison by filling out an online form. A loan officer will respond within two days.
  • Considers alternative credit data when underwriting
  • Connexus Credit Union review
alliant-logo-55x270
  • A smaller lender that offers more personalized service
  • One of the leading digital-first credit unions in the country
  • A portfolio lender with flexibility in its lending criteria
  • Alliant review

Best mortgage refinance lenders: summary

Lender
Best
for
Highlights
Key loan types
Minimum credit score*
Get started
Rocket Mortgage
Online refinance experience
Simple and fast online application that imports required data
Fixed and ARM;
FHA, VA
620
Guaranteed Rate
guaranteedrate_logo_transparent
Online refinance experience
Entirely online lending platform for many product types
Fixed and ARM;
FHA, USDA, VA
620
SunTrust
SunTrust Private Student Loan Review
Customer service when refinancing
Customer assistance available throughout process
Fixed and ARM;
FHA, VA, USDA
620
SoFi
sofi-logo
Customer service when refinancing
Leading customer satisfaction rate with completely digital platform
Fixed and ARM
No minimum
Freedom Mortgage
freedommortgage_270x55
Refinance with government programs
Offers VA, FHA, USDA loans, with 120 branch locations
Fixed and ARM;
FHA, VA, USDA
640
NASB Mortgage
nasb
Refinance with government programs
Focuses on U.S. military veterans and active-duty members
Fixed and ARM;
FHA, VA
Varies by loan type
Chase Mortgage
Chase-logo
Traditional lender refinance
Offers many refinance options and services all 50 states, with offices in 22 states
Fixed and ARM;
FHA, VA, HARP
620
Bank of America
Bank-Of-America-Logo
Traditional lender refinance
Offers many refinance options with online presence
Fixed and ARM;
FHA, VA
620
Connexus Credit Union
connexus_270x55
Credit union refinance
No-hassle mortgage comparison available
Fixed and ARM
600
Alliant Credit Union
alliant-logo-55x270
Credit union refinance
More personalized service, and one of the leading digital-first credit unions
Fixed and ARM
No minimum score

* Minimum credit score on top loans; other loan types or factors may selectively influence minimum credit score standards

 
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