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Standout online mortgage lenders

Going online to look for a mortgage is routine these days. That’s because companies — both new online mortgage lenders and traditional players — are doing more on the web. And talking to loan officers and gathering paperwork can be expensive. Online lenders instead put their money into making their online product easy to use, and may be able to offer lower rates.

Get quotes from multiple lenders

To make sure you’re finding the best deal, apply to several lenders rather than just one. That way you can compare all-in costs. Once you have multiple offers in your hand, you can compare loan terms such as fees, rates, time to close, the availability of online application and loan tracking, and customer service offerings.

Select a home loan based on what’s important to you

We’ve highlighted standout features below like minimum credit score, minimum down payment, and strength of online offerings to help you find the lender that’s right for you.

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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 Quicken Loans

Min. credit score

620

Min. down payment

3%

NerdWallet rating
Why we like it

Ideal for access to mortgage advisors online. Quicken Loans' mortgage loan process is an apply-wherever-you-are experience. It's easy and intuitive. And there's human help available with a tap. Quicken Loans is the largest mortgage lender in the U.S.

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at Better Mortgage

Min. credit score

620

Min. down payment

3%

NerdWallet rating
Why we like it

Ideal for those who appreciate simplicity. Better Mortgage's online loan application is a “dynamic Q&A” process that adjusts with the information you provide, asking for additional info relevant to your particular situation. It feels a lot like using TurboTax to file your taxes.

Rating methodology:

NerdWallet’s star ratings for mortgage lenders are awarded based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.

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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.