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Best-of-the-Best Mortgage Lenders of 2019

Our nerds spent countless hours reviewing and comparing mortgage lenders — many of them are our partners — before selecting the winners. The factors they considered include the loan types available, online mortgage rate info, customer service and more.


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At Quicken Loans

Min. credit score

620

Min. down payment

3%

NerdWallet rating
Why we like it

Ideal choice for convenience and quick-response customer service. Quicken Loans provides just about all the services your neighborhood lender does — with online convenience. Quicken Loans is the largest mortgage lender in the U.S.

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at New American Funding

Min. credit score

620

Min. down payment

3%

NerdWallet rating
Why we like it

Ideal for borrowers who need to be evaluated on the basis of nontraditional credit. New American Funding offers FHA and VA loans, works with down payment assistance programs, and seeks borrowers whose credit histories don't fit the mold of traditional banking.


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at Rocket Mortgage

Min. credit score

620

Min. down payment

3%

NerdWallet rating
Why we like it

Ideal for anyone who appreciates smartphone app service, support and timesavings. Rocket Mortgage offers a fully digital home loan experience with a large variety of mortgage products

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at Guaranteed Rate

Min. credit score

620

Min. down payment

3.5%

NerdWallet rating
Why we like it

Ideal for borrowers who are looking to apply for a mortgage and manage the process through online tools, whether buying or refinancing. Guaranteed Rate offers FHA, VA and USDA loans for borrowers who meet robust guidelines.


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at New American Funding

Min. credit score

580

Min. down payment

3.5%

NerdWallet rating
Why we like it

Ideal for borrowers who need to be evaluated on the basis of nontraditional credit. New American Funding offers FHA and VA loans, works with down payment assistance programs, and seeks borrowers whose credit histories don't fit the mold of traditional banking.

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at Citi

National/Regional

National

Min. down payment

3.5%

NerdWallet rating
Why we like it

Ideal for borrowers with nontraditional credit. FHA mortgages from CitiMortgage feature low down payment options and flexible financial requirements so it's easier for first-time borrowers to obtain a home loan.


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at Better Mortgage

Min. credit score

620

Min. down payment

3%

NerdWallet rating
Why we like it

Ideal for tech-savvy borrowers that prefer an online experience. Better Mortgage provides a seamless and easy-to-navigate application process. And best yet: Better charges no origination fee.

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at SoFi

Min. credit score

660

National/Regional

Regional

NerdWallet rating
Why we like it

Ideal for young professionals looking for a lender that considers more than a credit score. SoFi factors in a borrower's career track, income, education and financial history.


badge Best Mortgage Lenders for Refinance Loans

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at Chase

Min. credit score

620

National/Regional

National

NerdWallet rating
Why we like it

Ideal for refinancing any way you want: in person, online or over the phone. With branch locations in 22 states, Chase has a strong face-to-face presence, but refinancers can apply through other channels, too.

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at Lenda

Min. credit score

620

National/Regional

Regional

NerdWallet rating
Why we like it

Ideal for refinance customers in the states it serves. Lenda doesn’t charge upfront origination or broker fees on refinance loans, which close in around 36 days.


badge Best Mortgage Lenders for VA Loans

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at Veterans United

Min. credit score

620

Min. down payment

0%

NerdWallet rating
Why we like it

Ideal for military-connected customers looking for VA expertise. Veteran's United is the nation's largest VA home purchase lender.

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at Guaranteed Rate

Min. credit score

580

Min. down payment

0%

NerdWallet rating
Why we like it

Ideal for borrowers who are eligible for VA-guaranteed loans, with down payments as low as zero percent. Guaranteed Rate works with well-qualified borrowers who don't have much saved for a down payment.


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at NerdWallet

Max LTV

90%

NerdWallet rating
Why we like it

Ideal for equity borrowers looking for flexibility on loan terms. PNC HELOCs have locked fixed-rate terms of 5 to 30 years.

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at U.S. Bank

Max LTV

90%

NerdWallet rating
Why we like it

Ideal for borrowers who want low fees. No closing costs and annual fee is waived for HELOC borrowers with an eligible checking account.

Want more Best-Of winners?

Check out our full list of awards, including credit cards, banks, personal loans and more.

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A little about us
At NerdWallet, we offer straightforward info and tools to help you make the best possible financial decisions. All for free. So how do we make money? In most cases, when someone applies or gets approved for a financial product we get paid. But that doesn’t sway our opinions.