Mortgage Lender Reviews

Comparing mortgage lenders can help you save money on closing costs and find a better mortgage rate. Read our reviews to find the best lender for you.

Getting started with mortgage lenders

NerdWallet's top-rated mortgage lenders

Guaranteed Rate Mortgage Review 2024

  • 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.

Flagstar Bank Mortgage Review 2024

  • Multiple loans for those who are renovating or building a home, including loans with interest-only payments during construction.
  • Offers home equity loans and lines of credit.
  • Offers down payment assistance and loans for underserved borrowers, including ITIN loans and loans with flexible qualifications in certain communities.

PNC Bank Mortgage Review 2024

  • Offers several low-down-payment loan options, including FHA, VA, USDA and the PNC Community Loan.
  • Mortgage rates are lower than the industry average, according to the latest federal data.
  • Jumbo loans available with 5% down payment.

NBKC Bank Mortgage Review 2024

  • Offers government-backed loans and some harder-to-find products, such as loans for self-employed borrowers and mortgages for pilots.
  • Efficient customer service over the phone or through online chat.
  • Displays customized rates, with fee estimates, without requiring contact information.

Better Mortgage Review 2024

  • 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 with other lenders, according to the latest federal data.
  • Offers a HELOC that can be used for a primary, second or investment home.

San Diego County Credit Union Mortgage Review 2024

  • Offers purchase, refinance and jumbo mortgages, plus loans for second homes and home equity products.
  • Provides customized rate and fee quotes without requiring contact information.
  • Interest rates are notably low, according to the latest federal data.

Truist Mortgage Review 2024

  • Offers a wide variety of loan options, including construction loans, programs for early career doctors, a wide variety of jumbo loans and home equity lines of credit.
  • Proprietary grant program can help borrowers afford down payment and closing costs.
  • Mortgage rates are lower than industry average, according to the latest federal data.

Bank of America Mortgage Review 2024

  • Offers down payment and closing cost assistance programs.
  • Existing customers who meet certain qualifications can receive a discount on mortgage lender origination fees and HELOC interest rates.
  • Receives high marks for customer satisfaction, according to J.D. Power and Zillow.

Pennymac Mortgage Review 2024

  • Rates are on the low side, according to the latest federal data.
  • An online tool makes it easy to customize a rate quote online, with no contact information required.
  • “Lock & Shop” lets you secure a rate for up to 90 days while you house-hunt, and switch to a lower one if rates drop while you shop.

NerdWallet rates lenders on a scale from 1 to 5 stars. See what goes into our ratings.

More top lenders by category

NASB Mortgage Review 2024

  • Sample mortgage rates are customizable.
  • Offers nontraditional mortgage products that may be difficult to find elsewhere, such as 1099 loans and bank statement loans for self-employed borrowers.

Wells Fargo Mortgage Review 2024

  • Sample rates clearly posted for various loan products.
  • Offers a wide variety of loan types and products, including options for borrowers who work for themselves and those without Social Security numbers.
  • Mortgage rates tend to be on the low side compared with other lenders, according to the latest federal data.

Flagstar Bank Mortgage Review 2024

  • Multiple loans for those who are renovating or building a home, including loans with interest-only payments during construction.
  • Offers home equity loans and lines of credit.
  • Offers down payment assistance and loans for underserved borrowers, including ITIN loans and loans with flexible qualifications in certain communities.

NBKC Bank Mortgage Review 2024

  • Offers government-backed loans and some harder-to-find products, such as loans for self-employed borrowers and mortgages for pilots.
  • Efficient customer service over the phone or through online chat.
  • Displays customized rates, with fee estimates, without requiring contact information.

PNC Bank Mortgage Review 2024

  • Offers several low-down-payment loan options, including FHA, VA, USDA and the PNC Community Loan.
  • Mortgage rates are lower than the industry average, according to the latest federal data.
  • Jumbo loans available with 5% down payment.

Truist Mortgage Review 2024

  • Offers a wide variety of loan options, including construction loans, programs for early career doctors, a wide variety of jumbo loans and home equity lines of credit.
  • Proprietary grant program can help borrowers afford down payment and closing costs.
  • Mortgage rates are lower than industry average, according to the latest federal data.

Read all NerdWallet's mortgage lender reviews

First American Home Warranty Review 2024

A robust basic plan, high coverage caps and flexible service fees help First American Home Warranty lead the pack in coverage options.

American Home Shield Review 2024

With high coverage caps and flexible monthly premium pricing, American Home Shield is a good option for homeowners.

Select Home Warranty Review 2024

Affordable premiums in most states makes Select Home Warranty a contender for home warranty coverage.

ADT Review: Pricing, Features

ADT's long-established professional monitoring capabilities make it a good pick for a home security system.

SimpliSafe Review: Pricing, Features

SimpliSafe’s user-friendly equipment and competitive pricing make it our top pick for a home security system.

Navy Federal Credit Union Home Equity Loan Review 2024

  • Borrowers can access up to 100% of their equity, which is more than most lenders allow.
  • Flexible repayment terms: 5, 10, 15 or 20 years.
  • No closing costs or prepayment penalties.

Pennymac Home Equity Loan Review 2024

  • Homeowners can borrow up to 85% of the equity in their homes.
  • Repayment terms range from 10 to 30 years.
  • No penalty for early repayment.

Choice Home Warranty Review 2024

Offering higher coverage limits than most of its competitors, Choice Home Warranty has valuable plans for homeowners.

Liberty Home Guard Review 2024

With good customer reviews and three home warranty plans, Liberty Home Guard has affordable options for homeowners.

6 Best Home Security Systems of 2024

The best home security systems are user-friendly, affordable and customizable to your needs.

Discover Home Equity Loan Review 2024

  • Offers 10-, 15-, 20- and 30-year terms.
  • No annual fees or closing costs.
  • Website features customizable sample rates.

5 Best Home Warranties of 2024

A home warranty can pay toward repairs or replacements for appliances and systems in your house.

Rocket Mortgage Home Equity Loan Review 2024

  • Homeowners can borrow up to 90% of home equity.
  • Home equity loans available for second homes.
  • No prepayment penalty.

Network Capital Home Equity Loan Review 2024

  • Homeowners can borrow up to 90% of their equity.
  • No appraisal requirement.
  • Repayment terms range from 10 to 30 years.

Andrews Federal Credit Union Mortgage Review 2024

  • Caters to first-time home buyers with incentives and education.
  • Provides extra support for military borrowers, including branches near bases in Germany, Belgium and the Netherlands.
  • Offers HELOCs and home equity loans at competitive interest rates.