Best Refinance Lenders

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 info 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 for five 'best of' categories to help you find the lender that best 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 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 4.5-stars
  • The biggest online mortgage lender in the U.S.
  • Fully automated process that imports employment and income data, credit scores, property info and more
  • Gives a loan decision in minutes.
  • Rocket Mortgage review
lenda-logo-270 4.0-stars
  • Offers refinance mortgages with no origination fees or broker commissions
  • Minimum 620 credit score qualification
  • Automated suggestion engine will determine if there are things you can do to lower your rate
  • Lenda 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.

loandepotlogo-270x55 4.5-stars
  • Offers full array of government mortgage programs, including FHA, VA, USDA loans
  • Rate comparison page offers greater transparency than many rivals
  • “Lifetime Guarantee” refinance program waives lender fees and reimburses appraisal costs for repeat customers
  • loanDepot review
Veterans-United-55x270 4.5-stars
  • Offers complete list of government loans, including FHA, VA and USDA mortgages
  • Earns top customer satisfaction ratings based on low number of complaints to CFPB
  • Specialist in serving active-duty military and veteran borrowers
  • Veterans United review

Best refinance lenders for customer service

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

suntrust mortgage 4.0-stars
  • 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 4.5-stars
  • 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 traditional refinance lenders

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

Chase-logo 3.5-stars
  • 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 4.0-stars
  • 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 3.0-stars
  • 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 3.5-stars
  • 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

Best mortgage refinance lenders: review

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
Lenda
lenda_logo
Online refinance experience
Automated suggestion engine to help lower your rate
Fixed
620
SunTrust
SunTrust Private Student Loan Review
Customer service when refinancing
Customer assistance available throughout process
Fixed and ARM;
FHA, VA, USDA
620
Guaranteed Rate
guaranteedrate_logo_transparent
Customer service when refinancing
Entirely online lending platform for many products; >95% customer satisfaction rate
Fixed and ARM;
FHA, USDA, VA
620
LoanDepot
loandepotlogo-270x55
Refinance with government programs
Offers FHA, VA, USDA loans, with repeat customer fee waiver
Fixed and ARM;
FHA, VA, USDA
NA
Veterans United
Veterans-United-55x270
Refinance with government programs
Offers FHA, VA, USDA, specialist in veterans and active-duty members
Fixed and ARM;
FHA, VA
620
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


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.