ADVERTISEMENT: PRODUCTS FROM OUR PARTNERS

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.
  • Appraisal guarantee promises the loan won’t change even if appraisal is lower than expected.

Cons

  • Doesn't offer home equity loans or HELOCs.
  • Doesn't do VA or USDA loans.
  • Appraisal guarantee is limited to borrowers who use Better real estate agents.
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.
  • Appraisal guarantee promises the loan won’t change even if appraisal is lower than expected.

Cons

  • Doesn't offer home equity loans or HELOCs.
  • Doesn't do VA or USDA loans.
  • Appraisal guarantee is limited to borrowers who use Better real estate agents.
Read full review
Rocket Mortgage, LLC

at Rocket Mortgage, LLC

4.0

NerdWallet rating 

at Rocket Mortgage, LLC

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.
  • Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter.

Cons

  • Getting a customized interest rate requires a credit check, which can affect your credit score.
  • Doesn't offer home equity loans or lines of credit.
  • Lender fees are on the high side and the fees aren't offset by particularly low mortgage rates, according to the latest data.
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.
  • Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter.

Cons

  • Getting a customized interest rate requires a credit check, which can affect your credit score.
  • Doesn't offer home equity loans or lines of credit.
  • Lender fees are on the high side and the fees aren't offset by particularly low mortgage rates, according to the latest data.
Read full review
New American Funding

at New American Funding

5.0

NerdWallet rating 

at New American Funding

Min. Credit Score

620

Min. down payment

3%

Pros

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

Cons

  • Mortgage origination fees tend to be on the high end, according to the latest federal data.
Read full review
Min. Credit Score

620

Min. down payment

3%

Pros

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

Cons

  • Mortgage origination fees tend to be on the high end, according to the latest federal data.
Read full review
Quicken Loans

at Quicken Loans

4.0

NerdWallet rating 

at 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.
  • Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter.

Cons

  • Getting a customized interest rate requires a credit check, which can affect your credit score.
  • Doesn't offer home equity loans or lines of credit.
  • Lender fees are on the high side and the fees aren't offset by particularly low mortgage rates, according to the latest data.
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.
  • Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter.

Cons

  • Getting a customized interest rate requires a credit check, which can affect your credit score.
  • Doesn't offer home equity loans or lines of credit.
  • Lender fees are on the high side and the fees aren't offset by particularly low mortgage rates, according to the latest data.
Read full review
NASB

at NASB

5.0

NerdWallet rating 

at NASB

Min. Credit Score

620

Min. down payment

3%

Pros

  • Offers competitive rates and origination fees.
  • Considers nontraditional income sources, in some cases.

Cons

  • Does not offer home improvement mortgages.
  • Doesn't offer home equity loans and lines of credit.
Read full review
Min. Credit Score

620

Min. down payment

3%

Pros

  • Offers competitive rates and origination fees.
  • Considers nontraditional income sources, in some cases.

Cons

  • Does not offer home improvement mortgages.
  • Doesn't offer home equity loans and lines of credit.
Read full review
NBKC

at NBKC

5.0

NerdWallet rating 

at NBKC

Min. Credit Score

620

Min. down payment

3%

Pros

  • 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

  • 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

4.5

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 competitive rates, according to the latest data.

Cons

  • Doesn't offer home improvement loans, such as FHA 203(k) and HomeStyle.
  • You have to speak with a home loan adviser to complete the application.
  • Home equity lines of credit (HELOC) are currently unavailable.
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 competitive rates, according to the latest data.

Cons

  • Doesn't offer home improvement loans, such as FHA 203(k) and HomeStyle.
  • You have to speak with a home loan adviser to complete the application.
  • Home equity lines of credit (HELOC) are currently unavailable.
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.