Mortgage Lender Reviews
Comparing mortgage lenders can help you save money on closing costs and find a better mortgage rate. Read our reviews to find the best lender for you.
Getting started with mortgage lenders
NerdWallet's top-rated mortgage lenders
Guaranteed Rate Mortgage Review 2023
- Offers a one-day mortgage approval process.
- Offers a generous selection of loans, including government-backed, interest-only, ITIN, jumbo and renovation loans.
- Advertises a HELOC that can be funded in as few as five business days.
Flagstar Bank Mortgage Review 2023
- Multiple loans for those who are renovating or building a home, including loans with interest-only payments during construction.
- Offers home equity loans and lines of credit.
- Offers down payment assistance and loans for underserved borrowers, including ITIN loans and loans with flexible qualifications in certain communities.
PNC Bank Mortgage Review 2023
- Offers several low-down-payment loan options, including FHA, VA, USDA and the PNC Community Loan.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
- Mortgage rates are lower than the industry average, according to the latest federal data.
NBKC Bank Mortgage Review 2023
- Offers government-backed loans and some harder-to-find products, such as loans for self-employed borrowers and mortgages for pilots.
- Efficient customer service over the phone or through online chat.
- Displays customized rates, with fee estimates, without requiring contact information.
Better Mortgage Review 2023
- Offers a one-day mortgage that lets eligible borrowers apply, lock in a rate and get a loan commitment within 24 hours.
- Average interest rates are on the low end compared with other lenders, according to the latest federal data.
- Offers a HELOC that can be used for a primary, second or investment home.
San Diego County Credit Union Mortgage Review 2023
- Offers purchase, refinance and jumbo mortgages, plus loans for second homes and home equity products.
- Provides customized rate and fee quotes without requiring contact information.
Truist Mortgage Review 2023
- Offers a wide variety of loan options, including construction loans, programs for early career doctors, a wide variety of jumbo loans and home equity lines of credit.
- Proprietary grant program can help borrowers afford down payment and closing costs.
- Mortgage rates are lower than industry average, according to the latest federal data.
Bank of America Mortgage Review 2023
- Offers down payment and closing cost assistance programs.
- Existing customers who meet certain qualifications can receive a discount on mortgage lender origination fees and HELOC interest rates.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
Pennymac Mortgage Review 2023
- Rates are on the low side, according to the latest federal data.
- An online tool makes it easy to customize a rate quote online, with no contact information required.
- “Lock & Shop” lets you secure a rate for up to 90 days while you house-hunt, and switch to a lower one if rates drop while you shop.
NerdWallet rates lenders on a scale from 1 to 5 stars. See what goes into our ratings.
More top lenders by category
NASB Mortgage Review 2023
- Offers jumbo loans and a mortgage tailored to self-employed borrowers.
- Offers low rates and fees compared with other lenders, according to the latest federal data.
Wells Fargo Mortgage Review 2023
- Sample rates clearly posted for various loan products.
- Offers a wide variety of loan types and products, including options for borrowers who work for themselves and those without Social Security numbers.
- Mortgage rates tend to be on the low side compared with other lenders, according to the latest federal data.
Flagstar Bank Mortgage Review 2023
- Multiple loans for those who are renovating or building a home, including loans with interest-only payments during construction.
- Offers home equity loans and lines of credit.
- Offers down payment assistance and loans for underserved borrowers, including ITIN loans and loans with flexible qualifications in certain communities.
NBKC Bank Mortgage Review 2023
- Offers government-backed loans and some harder-to-find products, such as loans for self-employed borrowers and mortgages for pilots.
- Efficient customer service over the phone or through online chat.
- Displays customized rates, with fee estimates, without requiring contact information.
PNC Bank Mortgage Review 2023
- Offers several low-down-payment loan options, including FHA, VA, USDA and the PNC Community Loan.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
- Mortgage rates are lower than the industry average, according to the latest federal data.
Truist Mortgage Review 2023
- Offers a wide variety of loan options, including construction loans, programs for early career doctors, a wide variety of jumbo loans and home equity lines of credit.
- Proprietary grant program can help borrowers afford down payment and closing costs.
- Mortgage rates are lower than industry average, according to the latest federal data.
Read all NerdWallet's mortgage lender reviews
Movement Mortgage Review 2023
3.0
NerdWallet rating- Loans can be processed in as little as seven days, the lender says.
- Offers renovation loans and home equity lines of credit.
- Movement Boost program can help FHA borrowers with down payment and closing costs.
First Federal Bank Mortgage Review 2023
- Offers government-backed loans and some harder-to-find products, such as jumbo loans for investment and multifamily properties.
- Home renovation loans are available.
- Offers home equity loans and lines of credit.
Citizens Bank HELOC Review 2023
3.5
NerdWallet rating- No minimum draw.
- Borrowers can lock in some or all of their loan amount at a fixed interest rate.
- Offers a loan solution for borrowers who have not built up much equity yet and wouldn’t qualify for the lender’s standard HELOC.
PenFed HELOC Review 2023
- Offers a fixed-rate option.
- Customers can borrow up to 85% of their equity, which is slightly above average for HELOC lenders.
- HELOCs are available on second homes.
PNC Bank HELOC Review 2023
- Customizable sample rates available online.
- Available for second homes in most states.
- Offers a rate discount for autopay from a PNC checking account.
Navy Federal Credit Union HELOC Review 2023
- Long draw period of 20 years.
- High CLTV of 95%.
- No origination or annual fee.
TD Bank HELOC Review 2023
- Publishes a sample HELOC rate online.
- Offers a fixed-rate payment option.
- Available for second homes and investment properties.
Figure HELOC Review 2023
- Specializes in HELOCs.
- The initial balance and any additional draws have a fixed interest rate.
- Borrowers can draw a maximum of 85% of their equity, which is slightly higher than most HELOC lenders allow.
U.S. Bank HELOC Review 2023
- Publishes a sample HELOC rate online.
- Offers a fixed-rate payment option.
Bank of America HELOC Review 2023
- Charges no annual fee.
- Publishes sample HELOC rates online.
- Offers rate discount for autopay from an account with the lender.
CrossCountry Mortgage Review 2023
- Offers a wide range of loan types, including loans for manufactured homes, jumbo loans, government loans (FHA, VA and USDA), home equity loans and HELOCs.
- Offers programs that make borrowing more accessible, including down payment grants.
- Offers a FastTrack Credit Approval program, which allows borrowers who have undergone the full preapproval process to close on a loan in as little as seven days once they’ve made an offer.
Truist Mortgage Review 2023
- Offers a wide variety of loan options, including construction loans, programs for early career doctors, a wide variety of jumbo loans and home equity lines of credit.
- Proprietary grant program can help borrowers afford down payment and closing costs.
- Mortgage rates are lower than industry average, according to the latest federal data.
Reali Loans Mortgage Review 2023
- Offered a completely online application process.
Mr. Cooper Mortgage Review 2023
- Offers multiple options to secure a lower interest rate, including a 1% discount for the first year and waiving future refinancing fees.
- Mobile app is highly rated and includes some nice-to-haves, such as the ability to monitor home equity and property value.
- Mortgage rates are lower than most lenders’, according to the latest federal data.
Northpointe Bank Mortgage Review 2023
- Offers government-backed FHA and VA loans, including refinancing options, and USDA loans.
- Jumbo loans available for vacation homes and investment properties.
- Offers programs for borrowers with credit challenges, self-employed borrowers and professionals early in their careers who may still carry significant debt.