NerdWallet’s Mortgage Lender Reviews

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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

Bank of America

National network of specialists to assist in the loan process. Sophisticated and flexible online services.

Chase

Chase

Often has the lowest refinance rates among national lenders, according to the NerdWallet Mortgage Rate Index.

Churchill Mortgage

Churchill Mortgage

Offers loans to customers without credit scores, using utility and rent payment history and other factors.

CitiMortgage

CitiMortgage

Full line of purchase and refinance loans. Low down payment options that don’t require private mortgage insurance.

Costco Mortgage

Costco Mortgage

Mortgage marketplace model gives access to multiple lenders in one place. Caps loan origination fees.

Fairway Independent Mortgage

Fairway Independent
Mortgage

Offers best-in-class tools, a full-service online experience and a mobile app.

HomeBridge

HomeBridge

Offers conventional, jumbo, FHA, VA, USDA and reverse mortgages and renovation loans.

New American Funding

New American Funding

Manual loan underwriting allows lending flexibility. Offers broad range of loans.

PrimeLending

PrimeLending

Has program to assist with closing costs. Considers alternative credit.

USAA

USAA

Reputation for strong, personalized customer service. Competitive rates and origination fees.

Wells Fargo

Wells Fargo

Largest mortgage lender in the nation. Offers its yourFirst Mortgage program, with as little as 3% down.


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Online mortgage lenders

AmeriSave

AmeriSave

Offers rewards for purchases or sales completed in its network of affiliated real estate agents.

Better Mortgage

Better Mortgage

Caters to millennial first-time home buyers. Offers a fully online application process

Capital One Mortgage

Capital One Mortgage

Online pre-qualification in minutes and 24/7 customer service through its website.

CashCall

CashCall

Good selection of loan products for purchase and refinance.

Guaranteed Rate

Guaranteed Rate

Online application process with secure document uploads and digital signature acceptance.

Lenda

Lenda

Experienced refinance lender, with no origination fees or broker commissions.

LoanDepot

LoanDepot

Rate comparison page offers transparency. Wide variety of loan products.

Mr. Cooper

Mr. Cooper

Formerly called Nationstar, Mr. Cooper offers online tools, free online payments and autopay.

Network Capital Funding

Network Capital Funding

Experienced online lender with a broad selection of loan offerings.

PennyMac

PennyMac

Convenient online loan support, including electronic document submissions. No minimum income requirement.

PHH Mortgage

PHH Mortgage

Borrowers can get rate quotes, pre-qualification and preapproval entirely online or by phone.

Rocket Mortgage

Rocket Mortgage

Rocket is Quicken Loans’ fully online borrowing platform. Quicken is the nation’s largest FHA lender.

SoFi

SoFi

Wide range of mortgages, including jumbo loans. No lender fees.

Veterans First

Veterans First

VA lender with personalized customer service. Easy access from overseas.


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Regional mortgage lenders

Alterra Home Loans

Alterra Home Loans

Lends to borrowers with nontraditional credit, employment and income.

BB&T Mortgage

BB&T Mortgage

A leading lender in the Southeast. Apply online if you have a BB&T account.

Caliber Home Loans

Caliber Home Loans

Products for borrowers with low credit scores or past financial troubles.

Carrington Mortgage

Carrington Mortgage

Specializes in loans to borrowers with lower credit scores; minimum score 550 in some cases.

Flagstar Bank

Flagstar Bank

Finds state bond programs for first-time home buyers and limited-income households. Full menu of loans.

Freedom Mortgage

Freedom Mortgage

Variety of loan products including conventional, FHA, VA and USDA loans.

Guild Mortgage

Guild Mortgage

Focus on “a personal touch.” Forty percent of business comes from FHA and VA loans.

J.G. Wentworth

J.G. Wentworth

Offers conventional, jumbo, FHA, VA, USDA and ARM loans.

NASB Mortgage

NASB Mortgage

Loans for borrowers with less than perfect credit or nontraditional income.

Pacific Union Financial

Pacific Union Financial

Helps borrowers with less than perfect credit. Full array of home loans.

PNC

PNC Mortgage

Comprehensive range of loans. Easy-to-navigate website.

Stearns Lending

Stearns Lending

Gets much of its loan volume from wholesale loan services to brokers and small banks.

SunTrust

SunTrust

Full list of home loans, comprehensive website, low down payment programs.

TD Bank

TD Bank

Loans for low- to middle-income customers without borrower-paid mortgage insurance.

U.S. Bank

U.S. Bank

Full line of mortgages. No origination fees.

Veterans United

Veterans United

Largest VA loan purchase lender in the nation. Offers 24/7 customer service.

Wintrust Mortgage

Wintrust Mortgage

Strong online capabilities. Broad selection of specialty home loan programs.

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Credit union mortgage lenders

Alliant

Alliant

Offers personalized service. A leading digital-first credit union.

Connexus

Connexus

No-hassle mortgage comparison by filling out an online form.

PenFed

PenFed

Rate competitiveness of a credit union, with a large selection of home loans.

Navy Federal

Navy Federal

Underwriting model allows loan flexibility. Good selection of mortgages.

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