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
  • 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.

  • 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
  • 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.

  • 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
  • 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.

  • 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
  • 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.

  • 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
  • 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

  • Rocket Mortgage: Online experience
  • SoFi Mortgage: Online experience
  • SunTrust Mortgage: Customer service
  • Guaranteed Rate: Customer service
  • Freedom Mortgage: Government programs
  • NASB Mortgage: Government programs
  • Chase Mortgage: Traditional lenders
  • Bank of America: Traditional lenders
  • Connexus Credit Union: Credit union lenders
  • Alliant Credit Union: Credit union lenders
  • Best mortgage refinance lenders: review

    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
    Guaranteed Rate
    Online refinance experience
    Entirely online lending platform for many product types
    Fixed and ARM;
    SunTrust Private Student Loan Review
    Customer service when refinancing
    Customer assistance available throughout process
    Fixed and ARM;
    Customer service when refinancing
    Leading customer satisfaction rate with completely digital platform
    Fixed and ARM
    No minimum
    Freedom Mortgage
    Refinance with government programs
    Offers VA, FHA, USDA loans, with 120 branch locations
    Fixed and ARM;
    NASB Mortgage
    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
    Traditional lender refinance
    Offers many refinance options and services all 50 states, with offices in 22 states
    Fixed and ARM;
    Bank of America
    Traditional lender refinance
    Offers many refinance options with online presence
    Fixed and ARM;
    FHA, VA
    Connexus Credit Union
    Credit union refinance
    No-hassle mortgage comparison available
    Fixed and ARM
    Alliant Credit Union
    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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