Movement Mortgage Review 2025
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Our Take
4.0
Movement Mortgage, known for FHA loans, has a feel-good factor: It shares profits with its Movement Foundation to fund schools and community projects. However, it doesn’t post mortgage rates online, and average fees are a little high. Most likely to appeal to FHA borrowers looking for down payment help.
Pros
- Average closing time under 25 days, faster than the national average.
- Offers down payment and closing cost assistance for FHA loans, with no income limits.
- Profit-sharing model supports charitable giving through the Movement Foundation.
Cons
- Doesn’t post mortgage rates online.
- No online chat for customer service.
- Average origination fee is on the higher side, according to the latest federal data.
Lender | Max. loan amount | Max LTV | Min. credit score | |
|---|---|---|---|---|
 Visit Lenderat Figure at Figure | $750,000 | 85% | 600 | Visit Lenderat Figure at Figure |
 5.0 Visit Lenderat Achieve at Achieve | $300,000 | 85% | 600 | Visit Lenderat Achieve at Achieve |
 4.0 Visit Lenderat Upstart Mortgage LLC at Upstart Mortgage LLC | $250,000 | 95% | 600 | Visit Lenderat Upstart Mortgage LLC at Upstart Mortgage LLC |
 Visit Lenderat New American Funding at New American Funding | $750,000 | 80% | 580 | Visit Lenderat New American Funding at New American Funding |
 Visit Lenderat NBKC at NBKC | $250,000 | 85% | 720 | Visit Lenderat NBKC at NBKC |
Full Review
At a glance: Movement mortgage options
Movement Mortgage is a nonbank lender based in Indian Land, South Carolina. Loans are available in all 50 states and the District of Columbia.
Movement Mortgage was co-founded in 2008 by former pro football tight end Casey Crawford. It coined the term “Impact Lender” to promote its profit-sharing model with its affiliated nonprofit, the Movement Foundation.
🏠 Common mortgages • Fixed- or adjustable-rate • Conventional • FHA • VA • USDA • Jumbo • Rate-and-term refinance
🔑 Specialty loans • Reverse mortgages • Renovation loans • Construction-to-permanent loans • Loans for vacation or second homes • “Buy Now, Sell Later” mortgage
💵 Home equity • HELOC • Cash-out refinance
Movement’s “Buy Now, Sell Later” mortgage offers flexibility for existing homeowners who want to buy a new house when their current one isn’t yet under contract.
» MORE: How to choose a mortgage lender
Movement Mortgage special offers and discounts
Movement offers Movement Boost, an assistance program that covers the required 3.5% down payment for FHA loans and 1.5% toward closing costs.
The assistance comes as a 10-year loan, so you have to pay it back. (Other assistance we see comes as a grant or forgivable loan.) But Movement Boost offers a few perks we don’t typically see: Repeat buyers are also eligible, in addition to first-time buyers. And the program doesn’t have income limits, so higher earners can qualify, too.
Movement Boost is not available in New York.
What does Movement Mortgage 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 Movement handles most often. Most of Movement’s loans are conventional, but FHA also takes up a large portion.
How we score Movement Mortgage
Each year, NerdWallet writers and editors dig into the latest data and independent research on mortgage lending. Then, we rate lenders based on categories that matter most to mortgage borrowers.
Movement has a NerdWallet home loans rating of four stars overall. Here’s a breakdown of this year’s score.
Category | Star rating |
|---|---|
Average mortgage rates and fees | |
Mortgage rate transparency | |
Variety of loan types | |
Customer experience | |
Overall star rating |
Ah, so you’re the “read the fine print” type? We got you. Here’s how our scoring rubric works.
Average mortgage rates and fees (30%)
We review federal data (as reported by the lenders) and analyze mortgage lenders’ average fees and interest rates across all loan types. Lenders with the lowest average costs get the highest star ratings. Keep in mind: Loans that are easier to qualify for, like FHA loans, usually have higher rates and fees because lenders see them as a higher risk. Pro tip: Paying some fees upfront can sometimes lower your interest rate.
Mortgage rate transparency (25%)
We look at how easy it is to compare mortgage rates online. Lenders get higher transparency ratings if they show sample rates on their website. (Not all lenders do!) The best ratings go to lenders that offer interactive tools that let you customize a rate quote on your own.
Variety of loan types (25%)
There’s no one-size-fits-all mortgage. Lenders earn top ratings in this category when they offer a large variety of mortgage types. The more variety, the higher their score. A lender earns points for purchase and refinance; fixed and adjustable rates; FHA, VA or USDA loans; renovation or construction loans; and home equity loans or HELOCs.
Customer experience (20%)
How easy is it to work with this lender? Top-rated lenders offer helpful features like online applications, multiple ways to get support, a user-friendly mobile app and clear updates about the loan closing timeline.
Movement Mortgage bonus points
Movement earned bonus points for offering assistance to first-time home buyers.
Movement 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 J.D. Power and Zillow, and we contacted the lender’s customer support.
2024 J.D. Power U.S. Mortgage Origination Satisfaction Study
761
out of 1,000
Above-average satisfaction score: average = 727.
Mortgage origination covers the application through closing.
Zillow Mortgage Lender Customer Rating
4.98
out of 5
Excellent rating as of the date of publication.
Rating reflects more than 18,800 customer reviews.
Movement Mortgage customer service options
Here’s how you can get in touch with Movement Mortgage.
Ways to reach Movement
Physical branches . . . . . . ✅ Phone support . . . . . . . . . ✅ Mobile app . . . . . . . . . . . . ✅ Online chat (bot) . . . . . . . 🚫 Online chat (human) . . . . 🚫
🤓 Our Nerds say... know your mortgage servicer
Abby Badach Doyle, lead writer, mortgages
Movement’s app doesn’t offer the option to apply for a mortgage, but is useful for existing customers. Movement also works with Carrington Mortgage to service its mortgages. Carrington has a below-average rating on the 2025 U.S. Mortgage Servicer Satisfaction Study from J.D. Power, but all ratings there tend to run low. Movement wasn’t rated as a mortgage servicer.
» MORE: How to apply for a mortgage
Alternatives to Movement Mortgage
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.
Pennymac is a nonbank lender known for providing FHA loans, and its website makes it easy to customize and compare mortgage rates.
PNC Bank’s foundation supports charitable efforts with a focus on early childhood education.
» MORE: Best FHA lenders
More from NerdWallet
NerdWallet’s overall ratings for mortgage lenders are evaluated based on four major categories: average mortgage rates and origination fees, rate transparency to consumers, variety of loan types (purchase, refinance, fixed and adjustable, for example) and customer experience. Among the factors we consider in these categories are: options to apply for home loans online, typical time to close, mobile app experience, level of detail about mortgage rates on lender websites, and NerdWallet’s own analysis of the rates and fees lenders reported in the latest available Home Mortgage Disclosure Act data. These and other items inform detailed rubrics, which generate ratings from 1 star (poor) to 5 stars (excellent). Read more about how we rate mortgage lenders here.
