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Best Online Mortgage 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.

Going online to look for a mortgage or a refinance is routine these days. That’s because companies — both new online mortgage lenders and traditional players — are doing more on the web.

The new online mortgage model offers convenience and automation. It can even save you money. And hey, if you want to see a friendly face before you close a deal, you can often do that, too.

Remember, you should still get preapproved before you house shop, get at least three quotes before you choose a mortgage and evaluate how much home you can afford before you take the plunge.

» MORE: Monitor your credit score

To help you choose an online 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.

Best online mortgage lenders for refinance

You’ve gone through the mortgage process before and you’re looking for fast, automated and reliable service. These online lenders offer specialized, convenient and web-savvy systems.

sofi_270x55 4.0-stars
  • Offers a full menu of refinance products, including innovative student loan-linked refi.
  • No application, origination or other lender fees.
  • Online application and loan tracking service.
  • SoFi Mortgage review
lenda-logo-270 4.0-stars
  • Offers purchase and 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 overall online mortgage lenders

These lenders offer an industry-leading online mortgage experience for the borrower who’s looking for the fastest, most automated way to get a home loan.

Rocket Mortgage 4.5-stars
  • Provides full online service, including a mobile app, for application and loan tracking.
  • Automated salary and other financial detail verification cuts time and effort of process.
  • Gives a loan decision in minutes.
  • Rocket Mortgage review
guaranteed-rate-logo-55x270 4.5-stars
  • Offers online application process with secure document uploads and digital signature acceptance.
  • Provides credit scores from all three bureaus for free.
  • Has 170 branches across the nation for questions better handled in person.
  • Guaranteed Rate review

Best online mortgage lenders for first-time homebuyers

If you’re exploring your first mortgage, these lenders offer a a robust online experience and give access to a variety of loans and programs designed to help the first-time homebuyer.

Quicken Loans 4.5-stars
  • Is the largest FHA lender in the nation.
  • Has a 1% down payment program for qualified buyers.
  • Rocket Mortgage, Quicken’s new offering, allows you to complete the application process online.
  • Quicken Loans review
suntrust mortgage 4.0-stars
  • Offers full line of purchase and refinance mortgages, including FHA, VA, USDA loans.
  • Website offers educational material, supports streamlined loan process.
  • Embraces FHA-backed home loans.
  • SunTrust Mortgage review

Best online mortgage lenders for customer service

If you’re looking for an online experience to cut the hassle of a traditional mortgage process but not sure you can do it without help, these lenders have the right combination of automation and customer service.

better mortgage 3.5-stars
  • Caters to millennial first-time home buyers
  • Offers a fully online application process
  • Customer service available via phone, email, chat. Borrowers can schedule calls ahead of time
  • Better Mortgage review
pennymac-55x270 3.0-stars
  • Convenient online loan support, including electronic document submissions.
  • Offers fixed-rate and adjustable-rate loans, USDA refinance, FHA and VA.
  • No minimum income requirement.
  • PennyMac review

Best online experience from traditional mortgage lenders

Looking for the stability and familiarity of a big-name traditional lender, but want sophisticated online access? These lenders have what you’re looking for.

network-capital-logo-55x270 3.5-stars
  • Carries broad selection of purchase and refinance loans, including FHA, VA and USDA.
  • Offers online experience backed by comprehensive customer support setup.
  • Charges no lender fees.
  • Network Capital Funding Mortgage review
  • Considers nontraditional credit history items such as rent payments.
  • Easy-to-navigate website, efficient online loan tracking available.
  • Offers a comprehensive range of loans: fixed rate, ARMs, jumbo, conventional and HELOC.
  • PNC Mortgage review


BOA-logo 4.0-stars
  • Offers a full suite of online and mobile tools to borrowers.
  • Offers 15- and 30-year fixed loans, FHA, VA, home equity and refinance loans.
  • Minimum credit score for FHA loans is 600.
  • Bank of America review

Best online mortgage lenders: summary

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

Best online mortgage lenders: review

Key loan types
Minimum credit score*
Get started
Rocket Mortgage
Overall online
Simple and fast online application and tracking, with automated data retrieval
Fixed and ARM;
Guaranteed Rate
Overall online
Simple and fast online application, with secure uploads
Fixed and ARM;
Online refinancing
Automated suggestion engine to lower rates, with no lender fees
Online refinancing
Online application and tracking, with no lender-imposed fees
Fixed and ARM
Quicken Loans
Online for first-time homebuyers
Online application with low down payments
Fixed and ARM;
Jumbo, FHA, VA, USDA
SunTrust Private Student Loan Review
Online for first-time homebuyers
Streamlined application with FHA-backed loans
Fixed and ARM;
Online with human touch
Convenient online loan support, including electronic document submissions
Fixed and ARM;
No minimum
Capital One
Online with human touch
Fast online prequalification and convenient, 24/7 online customer service
Fixed and ARM;
FHA (some states)
No minimum
Bank of America
Online from traditional lender
Full suite of online and mobile tools
Fixed and ARM;
PNC Mortgage
Online from traditional lender
Easy-to-navigate website, efficient online loan tracking
Fixed and ARM;
Network Capital
Online from traditional lender
Comprehensive online customer support
Fixed and ARM;

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

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.