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Compare mortgage lenders

Reach out to multiple lenders to see how much you could save. It pays to compare your options.

Better

at Better

5.0

NerdWallet rating 

at Better

Min. Credit Score

620

Min. Down Payment

3%

Pros

  • An online process with human help as needed.
  • Makes it easy to see customized mortgage rates.
  • Offers an "underwriter reviewed" preapproval letter in as little as 24 hours.

Cons

  • Doesn't offer home equity loans or HELOCs.
  • Doesn't do VA or USDA loans.
Read full review
Min. Credit Score

620

Min. Down Payment

3%

Pros

  • An online process with human help as needed.
  • Makes it easy to see customized mortgage rates.
  • Offers an "underwriter reviewed" preapproval letter in as little as 24 hours.

Cons

  • Doesn't offer home equity loans or HELOCs.
  • Doesn't do VA or USDA loans.
Read full review
Rocket Mortgage by Quicken Loans

at Rocket Mortgage by Quicken Loans

4.5

NerdWallet rating 

at Rocket Mortgage by Quicken Loans

Min. Credit Score

620

Min. Down Payment

3%

Pros

  • Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary.
  • Estimates the loan amount you’ll qualify for within minutes.
  • Offers document and asset retrieval capabilities.

Cons

  • If you’re a “look me in the eye” type of customer, you’re out of luck.
  • Getting a customized interest rate requires a credit check, which can lower your credit score by a few points.
Read full review
Min. Credit Score

620

Min. Down Payment

3%

Pros

  • Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary.
  • Estimates the loan amount you’ll qualify for within minutes.
  • Offers document and asset retrieval capabilities.

Cons

  • If you’re a “look me in the eye” type of customer, you’re out of luck.
  • Getting a customized interest rate requires a credit check, which can lower your credit score by a few points.
Read full review
New American Funding

at New American Funding

4.5

NerdWallet rating 

at New American Funding

Min. Credit Score

620

Min. Down Payment

3%

Pros

  • Uses manual underwriting to evaluate creditworthiness.
  • Offers full online mortgage application, rate quotes, document upload and loan tracking.

Cons

  • Mortgage rates offered to borrowers are higher than the government-reported median of all lenders.
Read full review
Min. Credit Score

620

Min. Down Payment

3%

Pros

  • Uses manual underwriting to evaluate creditworthiness.
  • Offers full online mortgage application, rate quotes, document upload and loan tracking.

Cons

  • Mortgage rates offered to borrowers are higher than the government-reported median of all lenders.
Read full review
Quicken Loans

at Quicken Loans

4.5

NerdWallet rating 

at Quicken Loans

Min. Credit Score

620

Min. Down Payment

3%

Pros

  • Quicken Loans couples a fully online application with available mortgage advisors for those who want a human touch.
  • Instantly verifies employment and income for many working Americans.
  • Offers custom fixed-rate loan terms that are between eight and 30 years.
  • Provides a wide variety of loan types, including renovation loans and all government-backed mortgage products.

Cons

  • Quicken Loans doesn't offer home equity loans or HELOCs.
  • Quicken's lender fees can be stout and it doesn't offset those fees with particularly low mortgage rates.
Read full review
Min. Credit Score

620

Min. Down Payment

3%

Pros

  • Quicken Loans couples a fully online application with available mortgage advisors for those who want a human touch.
  • Instantly verifies employment and income for many working Americans.
  • Offers custom fixed-rate loan terms that are between eight and 30 years.
  • Provides a wide variety of loan types, including renovation loans and all government-backed mortgage products.

Cons

  • Quicken Loans doesn't offer home equity loans or HELOCs.
  • Quicken's lender fees can be stout and it doesn't offset those fees with particularly low mortgage rates.
Read full review
NASB

at NASB

5.0

NerdWallet rating 

at NASB

Min. Credit Score

620

Min. Down Payment

3%

Pros

  • Devotes much of its business to serving military families with VA loans.
  • Considers nontraditional income sources, in some cases.
  • Offers competitive rates and origination fees.

Cons

  • No online loan process updates or tracking.
  • No home improvement mortgages or home equity loan products.
Read full review
Min. Credit Score

620

Min. Down Payment

3%

Pros

  • Devotes much of its business to serving military families with VA loans.
  • Considers nontraditional income sources, in some cases.
  • Offers competitive rates and origination fees.

Cons

  • No online loan process updates or tracking.
  • No home improvement mortgages or home equity loan products.
Read full review
NBKC

at NBKC

5.0

NerdWallet rating 

at NBKC

Min. Credit Score

620

Min. Down Payment

3%

Pros

  • Offers low rates and fees when compared with other lenders.
  • Extends full online capabilities, from application to loan tracking.
  • Displays customized rates, with fee estimates, without requiring contact information.

Cons

  • Equity lines and construction loans are available only in the Kansas City metro area.
  • Doesn’t offer renovation loans.
Read full review
Min. Credit Score

620

Min. Down Payment

3%

Pros

  • Offers low rates and fees when compared with other lenders.
  • Extends full online capabilities, from application to loan tracking.
  • Displays customized rates, with fee estimates, without requiring contact information.

Cons

  • Equity lines and construction loans are available only in the Kansas City metro area.
  • Doesn’t offer renovation loans.
Read full review
Guaranteed Rate

at Guaranteed Rate

5.0

NerdWallet rating 

at Guaranteed Rate

Min. Credit Score

620

Min. Down Payment

3%

Pros

  • Offers the ability to securely upload and digitally sign loan documents.
  • Displays detailed sample rates for many of its loan products.

Cons

  • Doesn't offer home equity loans or lines of credit.
Read full review
Min. Credit Score

620

Min. Down Payment

3%

Pros

  • Offers the ability to securely upload and digitally sign loan documents.
  • Displays detailed sample rates for many of its loan products.

Cons

  • Doesn't offer home equity loans or lines of credit.
Read full review
Chase

at Chase

4.5

NerdWallet rating 

at Chase

Min. Credit Score

620

Min. Down Payment

3%

Pros

  • Allows electronic submission and tracking of loan documents.
  • Carries a wide variety of mortgage types and products.
  • Generally offers good rates and charges reasonable fees.

Cons

  • Doesn't offer home improvement loans, such as FHA 203(k) and HomeStyle.
  • You have to speak with a home loan advisor to complete the application.
Read full review
Min. Credit Score

620

Min. Down Payment

3%

Pros

  • Allows electronic submission and tracking of loan documents.
  • Carries a wide variety of mortgage types and products.
  • Generally offers good rates and charges reasonable fees.

Cons

  • Doesn't offer home improvement loans, such as FHA 203(k) and HomeStyle.
  • You have to speak with a home loan advisor to complete the application.
Read full review

Get quotes from multiple lenders

Apply to several lenders rather than just one to make sure you are getting the best deal, and that you are comparing 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.

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.

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.