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

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at Better

Better: NMLS#330511


NerdWallet rating 

Min. credit score


Min. down payment

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at Better

Why we like it

Good for: borrowers who prefer an online experience, prize low rates and are primarily interested in conventional loans.


  • Offers a one-day mortgage that lets eligible borrowers apply, lock in a rate and get a loan commitment within 24 hours.

  • Average interest rates are on the low end compared to other lenders, according to the latest federal data.

  • Offers a HELOC that can be used for a primary, second or investment home.


  • Doesn't offer harder-to-find loans, such as construction loans, renovation loans, or USDA mortgages.

  • Finding descriptions of all of the loan offerings on the website requires some digging, and the lender does not have a mobile app.

  • Average lender fees are on the high end compared with other lenders, according to the latest federal data.

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3.09%: This week's 30-year-fixed-rate

2.35%: This week's 15-year-fixed-rate

Historical averages are based on Freddie Mac Primary Mortgage Market Survey®

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.

In a 2015 report, the Consumer Financial Protection Bureau (CFPB) found that 77% of consumers apply to only one lender when seeking a mortgage. By shopping just three different lenders, borrowers could save more than $3,500 in just the first five years, according to the CFPB’s research, and, in one example, enjoy payments that are nearly $60 less per month.


NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.

To recap our selections...

NerdWallet's Compare Mortgage Lenders