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.
- Interest rates are notably low, 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.
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
- Sample mortgage rates are customizable.
- Offers nontraditional mortgage products that may be difficult to find elsewhere, such as 1099 loans and bank statement loans for self-employed borrowers.
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
Wintrust Mortgage Review 2023
- Offers specialty loans, such as construction and renovation loans and loans for second homes and investment properties.
- Offers a home equity line of credit.
- Participates in down payment assistance programs in Illinois and Wisconsin.
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.
- Interest rates are notably low, according to the latest federal data.
USAA Mortgage Review 2023
- VA loans are the bulk of USAA's business, so its loan officers know the ins and outs of eligibility and the application process.
- Offers HomeReady loans, a conventional mortgage with flexible down payment options for low- and moderate- income buyers.
- Has a highly rated mobile app.
Guild Mortgage Review 2023
- Offers a wide variety of loan options, including home improvement loans and mortgages for manufactured homes.
- Has branches in most states.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
LenderFi Mortgage Review 2023
- Rates and fees had been lower than most lenders', according to the latest federal data.
Ally Mortgage Review 2023
- Borrowers can receive a customized rate quote by entering their information (home price, credit score, etc.) into a tool on Ally’s website.
- Offers Fannie Mae’s HomeReady loan, which has flexible lending requirements and requires just 3% down.
- Interest rates are on the low side relative to competitors, according to the latest federal data.
BNC National 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.
PenFed Credit Union Mortgage Review 2023
- Offers a selection of low-down-payment options for first-time home buyers and HELOCs.
- Offers a rate lock with a fully underwritten preapproval when you're still shopping for a home.
- Mortgage rates and fees are low compared with other lenders, according to the latest data.
Sebonic Mortgage Review 2023
- Lender representatives help guide the online application process.
- Offers a variety of mortgage options, including FHA, VA and USDA loans.
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.
Fairway Mortgage Review 2023
- Offers a robust suite of loan products, including ITIN loans for borrowers without Social Security numbers, renovation loans, government-backed mortgages and loans for self-employed borrowers.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
U.S. Bank Mortgage Review 2023
- Offers a range of loan types, including FHA loans, VA loans and home equity options.
- Lists sample mortgage rates and APRs for many of its products online, including a breakdown of estimated monthly payments.
- Their mobile app is highly rated in the App Store.
PrimeLending Mortgage Review 2023
- Offers a broad selection of renovation loans to finance cosmetic upgrades or structural repairs.
- Issues loan approval letters within 24 hours to borrowers who qualify.
- Offers resources to connect eligible borrowers with closing cost and down payment assistance programs.
Churchill Mortgage Review 2023
- Experienced at underwriting loans for borrowers without credit scores.
- Offers conventional mortgages for manufactured homes.
- Has conveniences such as online chat and a mobile app.
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.