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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.
at Better
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.
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.
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.
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.
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.
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.
at Rocket Mortgage by Quicken Loans
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.
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.
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.
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.
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.
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.
at New American Funding
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.
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.
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.
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.
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.
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.
at Quicken Loans
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.
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.
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.
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.
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.
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.
at NASB
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.
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.
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.
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.
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.
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.
at NBKC
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.
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.
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.
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.
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.
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.
at Guaranteed Rate
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.
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.
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.
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.
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.
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.
at Chase
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.
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.
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.
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.
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.
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.
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
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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.
