NerdWallet has spent hundreds of hours evaluating leading mortgage lenders across the country to find some of the biggest and best out there. Browse our mortgage lender reviews below.
National network of specialists to assist in the loan process. Sophisticated and flexible online services.
Often has the lowest refinance rates among national lenders, according to the NerdWallet Mortgage Rate Index.
Offers loans to customers without credit scores, using utility and rent payment history and other factors.
Full line of purchase and refinance loans. Low down payment options that don’t require private mortgage insurance.
Mortgage marketplace model gives access to multiple lenders in one place. Caps loan origination fees.
Offers best-in-class tools, a full-service online experience and a mobile app.
Offers conventional, jumbo, FHA, VA, USDA and reverse mortgages and renovation loans.
Offers digital tools, dedicated loan officers, flat origination fees and free rate locks.
Manual loan underwriting allows lending flexibility. Offers broad range of loans.
Has program to assist with closing costs. Considers alternative credit.
Offers government loans and participates in first-time home buyer programs in several states.
Reputation for strong, personalized customer service. Competitive rates and origination fees.
Largest mortgage lender in the nation. Offers its yourFirst Mortgage program, with as little as 3% down.
Online mortgage lenders
An online bank with an array of conventional loan terms, although applying requires a phone call.
Offers rewards for purchases or sales completed in its network of affiliated real estate agents.
Caters to millennial first-time home buyers. Offers a fully online application process
Online pre-qualification in minutes and 24/7 customer service through its website.
Good selection of loan products for purchase and refinance.
Online application process with secure document uploads and digital signature acceptance.
Experienced refinance lender, with no origination fees or broker commissions.
Online application and quick loan processing without origination fees, in most cases.
Rate comparison page offers transparency. Wide variety of loan products.
Formerly called Nationstar, Mr. Cooper offers online tools, free online payments and autopay.
Experienced online lender with a broad selection of loan offerings.
Convenient online loan support, including electronic document submissions. No minimum income requirement.
Borrowers can get rate quotes, pre-qualification and preapproval entirely online or by phone.
Leader in loan volume, especially FHA. Ground-breaking technology and on-demand personal help.
Wide range of mortgages, including jumbo loans. No lender fees.
VA lender with personalized customer service. Easy access from overseas.
Shop for a house and mortgage all on the same website, but no online preapproval.
Offers a good deal of loan choices; available in about 40 states.
Regional mortgage lenders
Lends to borrowers with nontraditional credit, employment and income.
A leading lender in the Southeast. Apply online if you have a BB&T account.
Products for borrowers with low credit scores or past financial troubles.
Specializes in loans to borrowers with lower credit scores; minimum score 550 in some cases.
Finds state bond programs for first-time home buyers and limited-income households. Full menu of loans.
Variety of loan products including conventional, FHA, VA and USDA loans.
Focus on “a personal touch.” Forty percent of business comes from FHA and VA loans.
Offers conventional, jumbo, FHA, VA, USDA and ARM loans.
Loans for borrowers with less than perfect credit or nontraditional income.
Helps borrowers with less than perfect credit. Full array of home loans.
Comprehensive range of loans. Easy-to-navigate website.
Gets much of its loan volume from wholesale loan services to brokers and small banks.
Full list of home loans, comprehensive website, low down payment programs.
Loans for low- to middle-income customers without borrower-paid mortgage insurance.
Full line of mortgages. No origination fees.
Largest VA loan purchase lender in the nation. Offers 24/7 customer service.
Strong online capabilities. Broad selection of specialty home loan programs.
Offers personalized service. A leading digital-first credit union.
Fixed, ARM, jumbo, co-op, three home equity options but no FHA, VA or USDA.
No-hassle mortgage comparison by filling out an online form.
Fixed, ARMs, FHA, jumbo and home equity loans. Free rate locks for up to 60 days.
Rate competitiveness of a credit union, with a large selection of home loans.
Underwriting model allows loan flexibility. Good selection of mortgages.
Online loan application and rate tracking, but no government loans.