Why we like it

Pros

• Offers a wide variety of purchase and refinance mortgages with an emphasis on helping underserved communities.

• Its home equity line of credit can be used for an owner-occupied or second home.

• Has a program to enable buyers to make cash offers.

• Receives high marks for customer satisfaction, according to J.D. Power and Zillow.

Cons

• Mortgage origination fees tend to be on the high end.

• Personalized mortgage rates are not available on the website without providing contact information.

Why we like it

Pros

• Streamlined online process with document and asset retrieval capabilities, as well as the ability to edit your preapproval letter.

• Offers the option to work with loan officers by phone if desired.

• Largest FHA lender in the nation.

Cons

• Getting a customized interest rate requires a credit check, which can affect your credit score.

• Origination fees are on the high side compared with other lenders, according to the latest federal data.

• Doesn't offer home equity lines of credit.

Why we like it

Pros

• Offers a one-day mortgage approval process.

• Offers a generous selection of loans, including government-backed, interest-only, ITIN, jumbo and renovation loans.

• Advertises a HELOC that can be funded in as few as five business days.

Cons

• Origination fees are higher than average, according to the latest federal data.

• HELOC has a relatively short draw period, which may not provide flexibility for someone who wants the option of accessing home equity over a longer period.

Why we like it

Pros

• Offers government-backed loans and some harder-to-find products, such as construction loans and specialty mortgages for pilots.

• Offers low rates and fees compared with other lenders, according to the latest federal data.

• Displays customized rates, with fee estimates, without requiring contact information.

Cons

• HELOCs and construction-to-permanent loans are available only in the Kansas City metro area.