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Best Refinance Lenders of 2018

Finding the Right Mortgage, Mortgages
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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.

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.

» MORE: Get notified when refinancing will save you money

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 overall refinance lenders

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at Rocket Mortgage

Min. credit score

620

National / regional

National

Why we like it

Ideal for refi borrowers with little time. Rocket Mortgage brings smart-phone app convenience to the refinance process. And online income and asset verification speeds the process.

 

Min. credit score

620

National / regional

Regional

Why we like it

Ideal for homeowners in its limited lending geographical footprint who need to refinance their mortgages. Lenda aims for transparency and dollar savings with its online platform.

 

Min. credit score

620

National / regional

National

Why we like it

Ideal for refinancing online or in person. Loan Depot has a fully-online application process as well as hundreds of affiliated lending centers across the nation. Well-rated for low customer complaint volume, too.

 

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at Veterans United

Min. credit score

620

National / regional

National

Why we like it

Ideal for military-connected customers looking to refinance. Veterans United's streamline VA refis require a lot less paperwork with lower closing costs.

 

Min. credit score

620

National / regional

National

Why we like it

Ideal for the homeowner who wants to refinance, but needs help figuring out which type of mortgage to choose. SunTrust offers a broad range of loan types, including FHA, VA, USDA and conventional mortgages.

 

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at Guaranteed Rate

Min. credit score

620

National / regional

National

Why we like it

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.

 

Min. credit score

620

National / regional

National

Why we like it

Ideal for refinancing any way you want: in person, online or over the phone. With branch locations in 22 states, Chase has a strong face-to-face presence, but refinancers can apply through other channels, too.

 

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at Bank of America

Min. credit score

620

National / regional

National

Why we like it

Ideal for borrowers who like options. Bank of America offers multiple refinance loans, including FHA, VA and cash-out.

 

Min. credit score

600

National / regional

National

Why we like it

Ideal for borrowers who want conventional loans that aren't guaranteed by the government (for example, FHA and VA loans). Offers a "no-hassle mortgage comparison" for homeowners who are looking to refinance. Connexus is a credit union with branches in MN, OH, NH and WI, but it operates in all states except AK and HI.

 

Min credit score

National / Regional

National

Why we like it

Ideal for borrowers who like to save money. Through Alliant's Advantage Mortgage (AAM) program, borrowers may be able to refinance and eliminate mortgage insurance with just 5% equity.

Best mortgage refinance lenders: summary

Best mortgage refinance lenders: review

Lender
Best
for
Highlights
Minimum credit score*
Get started
Rocket Mortgage
Online refinance experience
Simple and fast online application that imports required data
620
Lenda
lenda_logo
Online refinance experience
Automated suggestion engine to help lower your rate
620
LoanDepot
loandepotlogo-270x55
Refinance with government programs
Offers FHA, VA, USDA loans, with repeat customer fee waiver
580 (FHA),
620 (VA),
620 (conventional)
Veterans United
Veterans-United-55x270
Refinance with government programs
Offers FHA, VA, USDA, specialist in veterans and active-duty members
580 (FHA),
620 (VA),
620 (conventional)
SunTrust
SunTrust Private Student Loan Review
Customer service when refinancing
Customer assistance available throughout process
620
Guaranteed Rate
guaranteedrate_logo_transparent
Customer service when refinancing
Entirely online lending platform for many products; >95% customer satisfaction rate
620
Chase Mortgage
Chase-logo
Traditional lender refinance
Offers many refinance options and services all 50 states, with offices in 22 states
620
Bank of America
Bank-Of-America-Logo
Traditional lender refinance
Offers many refinance options with online presence
620
Connexus Credit Union
connexus_270x55
Credit union refinance
No-hassle mortgage comparison available
600
Alliant Credit Union
alliant-logo-55x270
Credit union refinance
More personalized service, and one of the leading digital-first credit unions
N/A

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


More from NerdWallet
Compare online mortgage refinance lenders
Compare mortgage rates
Refinance calculator

NerdWallet’s selection of mortgage lenders for inclusion here was made based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.