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Network Capital Mortgage Review 2026
Last updated on June 4, 2026
Written by
Lead Writer & Content StrategistCo-written by
Contributing EditorWritten by
Lead Writer & Content StrategistCo-written by
Contributing EditorMany or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
Why trust NerdWallet
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Our Take
4.5
Home loans overall
NerdWallet rating
The Nerdy headline:
Network Capital stands out for its focus on refinancing — cash-out refinances made up 78% of the lender’s business last year, and rate-and-term refinances made up 16%. Only 6% of Network Capital customers got a purchase mortgage last year. Most likely to appeal to borrowers looking to refinance their home loan.
Jump to:Full Review
Network Capital: NMLS#11712
Min. credit score
620
Min. down payment
3%
Loan types and products
Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VA, USDA, Home Equity
Pros
- Cash-out refinancing is an uncommon specialty, so Network Capital could appeal to that borrower.
- Offers HELOCs for homeowners who want to access their equity without refinancing.
Cons
- Home buyers should know the lender doesn’t specialize in purchase loans.
- Borrowers must be contacted for a quote before completing an online application.
Lender | Min. credit score | Min. down payment | |
|---|---|---|---|
 Visit Lenderat NBKC at NBKC | 620 | 3% | Visit Lenderat NBKC at NBKC |
 Visit Lenderat New American Funding at New American Funding | N/A | N/A | Visit Lenderat New American Funding at New American Funding |
 Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC | 580 | 3.5% | Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC |
 4.0 Visit Lenderat GO Mortgage at GO Mortgage | 620 | 3% | Visit Lenderat GO Mortgage at GO Mortgage |
 Visit Lenderat Veterans United at Veterans United | 620 | 0% | Visit Lenderat Veterans United at Veterans United |
Full Review
At a glance: Network Capital mortgage options
Network Capital is a nonbank mortgage lender with corporate headquarters in Irvine, California. Loans are available in Arizona, California, Colorado, Florida, Illinois, Indiana, Idaho, Louisiana, Maryland, Michigan, North Carolina, New Jersey, New York, Ohio, Oregon, Pennsylvania, South Carolina, Texas, Virginia, Washington and Washington, D.C.
🏠 Common mortgages
• Conventional loans
• Rate-and-term refinancing
• FHA loans
• VA loans
🔑 Specialty loans
• USDA
• Interest-only loans
• Co-op financing
• Nonwarrantable condo loans
• Loans for second homes
• Loans for self-employed borrowers
• Reverse mortgages
• Physician loans
• ITIN loans
• Conventional loans for manufactured homes
• Non-QM loans
💵 Home equity
• HELOC
• Cash-out refinance
Network Capital special offers and discounts
Network Capital offers a “same-as-cash” program to underwrite the mortgage up-front so that your offer is competitive.
What does Network Capital specialize in?
A lender’s experience with your loan type can make a big difference. We looked at the latest federal data to find the types of mortgages Network Capital handles most often.
Cash-out refinances make up the vast majority of Network Capital’s business, followed by rate-and-term refinances. Purchase mortgages are a small minority of Network Capital originations, but most of Network Capital's purchase mortgages are conventional.
How we score Network Capital's home loans
Like to read the fine print? We do, too. Each year, NerdWallet writers and editors review the latest data and research on mortgage lenders, including federal data, and use a consistent method to score them based on what matters most to borrowers.
Network Capital earned a 4.5-star home loans overall rating from NerdWallet. Here’s how that score breaks down across our five weighted subcategories.
Fair
Rates and fees (30%)
Rates and fees determine how much a loan will cost you overall. NerdWallet reviews the latest federal data to score each lender’s average APR spread — a measure that combines interest rates and fees. A higher score means lower typical costs compared to other lenders.
Average
Product accessibility (20%)
We evaluate how widely available a lender’s products are across the U.S. and how accessible they are to different financial profiles. A higher score means broader availability and more flexible requirements. A lower score means fewer options or stricter requirements.
Excellent
Customer experience (20%)
We evaluate customer experience by testing and reviewing features like the online application, mobile app, and availability of phone or chat support. A higher score means a smoother, more convenient experience and easier access to help. A lower score means more friction or fewer support options.
Average
Loan variety (15%)
We evaluate loan variety based on the range of home loan types a lender offers. A higher score means more options, while a lower score means a more limited selection.
Average
Rate transparency (15%)
We review how clearly lenders share rate information on their websites, including sample rates and tools to estimate personalized rates. A higher score means it’s easy to find clear, comprehensive details and compare rates. A lower score means less information is available, often requiring you to contact the lender.
🤓
NerdWallet’s ratings are objective and well-researched (we have the spreadsheets to prove it). But choosing a mortgage lender isn’t just about a star rating or a score breakdown. It’s also about finding the right lender for your unique situation. So yes: you can learn a lot from how the mortgage Nerds scored Network Capital's home loans. But you’re the expert when it comes to the features of your own best-match mortgage lender.Nerdy Tip
Network Capital mortgage reputation and customer experience
NerdWallet’s star ratings look at objective factors like rates, fees and loan options. To give you a sense of what the borrower experience is really like, we pulled the latest customer satisfaction scores from Zillow and contacted the lender’s customer support.
Zillow Mortgage Lender Customer Rating
4.87
out of 5
Above-average rating as of the date of publication.
Rating reflects 400 customer reviews.
Network Capital mortgage customer service options
Here’s how you can get in touch with Network Capital.
Ways to reach Network Capital
Physical branches . . . . . . 🚫
Phone support . . . . . . . . . ✅
Mobile app . . . . . . . . . . . . ✅
Online chat (bot) . . . . . . . 🚫
Online chat (human) . . . . ✅
» MORE: How to apply for a mortgage
🤓 Our Nerds say... if they don’t answer your call, try a different number
Taylor Getler, lead writer, mortgages
Network Capital lists several numbers for customer support on its website, including two for users who haven’t begun an application yet. The first number that we called went to a voicemail, despite calling within the customer service hours listed online. When we tried the second number, we were immediately connected with an agent who was able to answer our questions about the lender’s products.
Alternatives to a Network Capital home loan
Our biggest tip: Get offers from at least three different mortgage lenders. Comparison shopping can save you thousands of dollars. You can get rate quotes yourself, or work with a mortgage broker to shop around on your behalf.
Borrowers who want a lender that specializes in cash-out refinancing may be interested in Carrington. Similarly, these borrowers could consider Wells Fargo, which won NerdWallet’s 2026 best-of award for cash-out refinancing.
Standard rate-and-term refinancers may be a good fit for Pennymac; these loans made up more than half of the lender’s originations in 2024.
» MORE: Best cash-out refinance lenders
NerdWallet writer Isabella Angelos contributed to this story.
More from NerdWallet
Methodology
NerdWallet rates mortgage lenders based on what matters most to borrowers: rates and fees, product accessibility, customer experience, rate transparency and the range of loan options.
We review more than 40 lenders and score them using a weighted system that prioritizes affordability and a smooth borrowing experience. Lenders earn higher scores for offering lower borrowing costs, making loans widely available, clearly displaying rate information and supporting borrowers from application through closing.
We use a mix of lender-provided information, publicly available data and our own research and analysis to evaluate each lender. Recent regulatory actions may affect a lender’s score.