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 mortgage lenders
Online mortgage lenders
Regional mortgage lenders
Credit union mortgage lenders
National mortgage lenders
Bank of America
National network of specialists to assist in the loan process. Sophisticated and flexible online services.
BNC National Bank
Has extensive VA loan experience, low down payment options and an online application.
Chase
Often has the lowest refinance rates among national lenders, according to the NerdWallet Mortgage Rate Index.
Churchill Mortgage
Offers loans to customers without credit scores, using utility and rent payment history and other factors.
CitiMortgage
Full line of purchase and refinance loans. Low down payment options that don’t require private mortgage insurance.
Costco Mortgage
Mortgage marketplace model gives access to multiple lenders in one place. Caps loan origination fees.
Fairway Independent
Mortgage
Offers best-in-class tools, a full-service online experience and a mobile app.
KS StateBank
Offers a full slate of mortgage products and waives origination fees for teachers and veterans.
New American Funding
Manual loan underwriting allows lending flexibility. Offers broad range of loans.
Northpointe Bank
Offers a no-down-payment mortgage specifically designed to build home equity faster.
Sebonic
Offers government loans and participates in first-time home buyer programs in several states.
Wells Fargo
Largest mortgage lender in the nation. Offers its yourFirst Mortgage program, with as little as 3% down.
Online mortgage lenders
Ally
An online bank with an array of conventional loan terms, although applying requires a phone call.
AmeriSave
Offers rewards for purchases or sales completed in its network of affiliated real estate agents.
Better Mortgage
Caters to millennial first-time home buyers. Offers a fully online application process
Capital One Mortgage
Online pre-qualification in minutes and 24/7 customer service through its website.
Guaranteed Rate
Online application process with secure document uploads and digital signature acceptance.
Mr. Cooper
Formerly called Nationstar, Mr. Cooper offers online tools, free online payments and autopay.
PennyMac
Convenient online loan support, including electronic document submissions. No minimum income requirement.
PHH Mortgage
Borrowers can get rate quotes, pre-qualification and preapproval entirely online or by phone.
Quicken Loans
Leader in loan volume, especially FHA. Ground-breaking technology and on-demand personal help.
Rocket Mortgage
Rocket is Quicken Loans‘ fully online borrowing platform. Quicken is the nation’s largest FHA lender.
Regional mortgage lenders
Carrington Mortgage
Specializes in loans to borrowers with lower credit scores; minimum score 550 in some cases.
Flagstar Bank
Finds state bond programs for first-time home buyers and limited-income households. Full menu of loans.
Stearns Lending
Gets much of its loan volume from wholesale loan services to brokers and small banks.
