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Top Home Mortgage Providers
The best mortgage lenders benefit borrowers by offering helpful information, easy-to-use tools, and simplified processes, while providing competitive rates and instilling customer confidence.
Choosing the right mortgage lender can save you time, money, and stress during one of life’s most significant financial decisions. The lender you select when buying your home will impact your interest rate, loan terms, and overall experience.
We reviewed five of the best mortgage lenders available today, each of which offers distinct benefits depending on your financial goals and needs. These top picks earned their place on our list based on performance, reputation, and borrower satisfaction.
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Trusted Company Reviews #1 Pick for 2025
- Fully online access from start to finish
- Fast preapproval process
- High customer satisfaction
Why we love it 💖
Rocket Mortgage, the biggest mortgage lender in the U.S., provides fast funding, a simple platform, and a fully online application and mortgage experience.
Our Highest Rated Mortgage Companies
- Wide variety of loan options, including FHA, VA, and jumbo loans
- Online tools and fast online applications
- Available in all 50 states
- Competitive interest rates and flexible terms
- Transparent fee structure
- Online comparison tool for multiple lenders
- Offers mortgage, personal, and student loans
- Performs soft credit check to show prequalified rates
- Partners with trusted national lenders
- No impact on your credit score to check your rates
- Access to hundreds of lenders through a single platform
- Helpful tools for rate and term comparisons
- Wide range of loan options, including refinancing
- Soft credit check for prequalified offers
- Great for borrowers who want to quickly shop around
- VA loan specialists with military experience
- Dedicated to and available for veterans, active-duty, and eligible spouses
- In-house credit consulting available
- High ratings on BBB and Trustpilot
- Generates over 200,000 new loans annually
- Offers in-person and online mortgage support
- FHA, VA, jumbo, and HELOC loan options available
- Competitive discounts for existing customers
- Closing Guarantee of up to $5,000
- Trusted national bank with a wide network of branch locations
What Mortgage Types Are Available?
Mortgage loans come in a variety of forms, and understanding the differences can help you choose the one that best fits your financial situation. The following are the most common types of home loans.
FHA Loans
The Federal Housing Administration backs FHA loans. They’re distinct because the FHA provides mortgage insurance for lenders if the borrower fails to repay the loan. The borrower pays an insurance premium for the protection, but it allows those with lower credit scores to qualify for the loan and experience a lower down payment threshold. FHA loans are popular among first-time home buyers.
VA Loans
VA loans are offered exclusively to eligible military service members, veterans, and their families. These loans often come with no down payment and no private mortgage insurance requirements.
Conventional Loans
Conventional mortgages are not government-backed in any way. They usually require higher credit scores but offer more flexible loan structures and terms if you qualify.
Jumbo Loans
Jumbo loans are used for properties that exceed conforming loan limits. They typically have stricter credit requirements and higher down payments.
USDA Loans
USDA loans are backed by the U.S. Department of Agriculture and cater to rural homebuyers with moderate-to-low income.
Fixed-Rate Mortgages
These loans have a consistent interest rate and monthly payment over the life of the loan. They’re often preferred for budgeting and predictability.
Adjustable-Rate Mortgages (ARMs)
ARMs start with a lower interest rate for a set period and then adjust periodically based on market rates, which can be beneficial if you plan to keep the property for a short time. Borrowers with adjustable-rate mortgages have monthly payments that can fluctuate with current interest rates. This means the payment can go up or down over time.
Interest-Only Loans
These allow borrowers to pay only interest for a set period before starting to repay principal, but they come with higher long-term risks and can ultimately cost more in the long run. Interest-only loans are often used as a money-saving strategy when flipping a house or if the home is expected to increase dramatically in the near future.
Assumable Mortgages
An assumable loan can be transferred from the seller to the buyer, preserving the original mortgage terms and conditions. An assumable loan must be marked as such at the beginning of the loan.
Rehabilitation Loans
Rehab loans (like FHA 203(k)) finance both the purchase and renovation of a home, ideal for fixer-uppers.
How to Choose
Choosing the best mortgage lender for your situation means balancing interest rates, loan terms, down payment requirements, and company reputation. Start by determining how long you plan to stay in the home and how stable you expect your income to be.
Fixed-rate mortgages offer predictability, while adjustable-rate loans may save money short-term, but come with longer-term risks. Government-backed loans like FHA or VA can lower the down payment and approval requirements for first-time or repeat buyers who qualify.
Mortgage lending marketplaces, such as Credible and LendingTree, offer online tools and calculators that allow you to compare estimated payments and prequalified rates from multiple lenders before making a decision.
Typical Mortgage Requirements
You must meet several standard criteria to qualify for most mortgage loans. While exact requirements vary by lender and loan type, most, even the best mortgage lenders, expect:
- A credit score of 620 or higher (580 for some FHA loans)
- Steady income and employment history
- Down payment of at least 3% (can vary by type and lender)
- Acceptable debt-to-income (DTI) ratio (usually under 43%)
Meeting these benchmarks improves your chances of approval. Exceeding them can qualify you for better interest rates and terms.
How to Qualify
Getting approved for a mortgage can be challenging, and for some, it means getting your ducks in a row, so to speak. Start by checking your credit score, paying down debts to a DTI of below 43%, and gathering a down payment. You’ll also need documentation such as W-2s, tax returns, and bank statements. Work to save for a down payment and reduce your DTI ratio.
- Get prequalified early to understand your options
- Compare multiple lenders for the best rate
- Avoid taking on new debt during the preparation and application process
What to Look for When Comparing Mortgage Lenders
Choosing the best mortgage lender for your financial situation can save you thousands over the life of your loan. Here are some attributes to look for when shopping around.
- Competitive interest rates and flexible terms
- Transparent fee structures
- Loan types that meet your needs (FHA, VA, Jumbo, etc.)
- Strong customer support and communication
- Online tools, calculators, and prequalification features
- An application process that you find comfortable
- Reasonable closing timeline
| Provider | Loan Types Available | MInimum Down Payment | Minimum Credit |
| Rocket Mortgage | Conventional, FHA, VA, Jumbo | 3% | 580 (FHA), 620+ (others) |
| Credible Home Loans | Conventional, FHA, Refinance, HELOCr | Varies | 620 (varies by lender) |
| LendingTree Home Loans | Conventional, FHA, VA, Jumbo, HELOC | Varies | As low as 580 (FHA) |
| Veterans United Home Loans | VA Purchase, Refinance, Cash-Out | 0% (VA) | 620 (may vary) |
| Chase Mortgage | Conventional, FHA, VA, Jumbo, HELOC | 3% | 620 (FHA may allow lower) |
Rocket Mortgage
Best Overall
Trusted Company Reviews Rating Score for Rocket Mortgage: 9.7
Review
Rocket Mortgage offers one of the best digital, online mortgage experiences possible. It’s ideal for those who want speed, automation, and a simple application process. Rocket Mortgage takes the top spot by offering competitive rates and multiple loan options, backed by excellent customer support and high review scores.
About
As the largest mortgage lender in the U.S., Rocket Mortgage offers a powerful mix of proprietary technology and financial strength. Rocket Mortgage borrowers generally prefer an entirely online application process, but it also appeals to those who may need or want access to live support when necessary.
Features and Benefits
Rocket Mortgage’s platform and procedure stand out with solid support and fast funding.
- Mostly online application and approval process
- Multiple loan types, including FHA, VA, and jumbo available
- Transparent loan terms and closing costs
- Online calculators and educational tools available
- Mortgage specialists available by chat or phone
- Fast closing times
- Available nationwide
- Excellent customer satisfaction scores
Why We Chose Rocket Mortgage
Rocket Mortgage combines online automation and live customer service depending on your specific needs. The company provides the speed of an online lender with the capabilities of a more traditional lender.
Pros
- Entirely online application process
- Fast turnaround times
- Transparent rates and terms
- Multiple loan options
Cons
- No in-person, branch-location support
- Not ideal for buyers needing hands-on guidance
- No USDA loan options
- May not offer the lowest rates for complex loans
|
Loan Types Available |
Minimum Down Payment | Minimum Credit Score |
|
Conventional, FHA, VA, Jumbo |
3% (conventional) | 580 (FHA), 620+ (others) |
Credible
Tied for Best Mortgage Marketplace
Trusted Company Reviews Rating Score for Credible: 9.2
Review
Credible isn’t a direct lender. Instead, it’s a platform that lets you compare offers from several mortgage providers with a single application. That makes it ideal for rate shoppers who want to view real offers without affecting their credit scores.
About
Credible works with a network of lenders and delivers personalized prequalified rates through a soft credit check. The platform offers mortgages, student loans and refinancing, personal loans, consolidation, banking services, and more. It’s especially beneficial for borrowers seeking transparency without pressure.
Features and Benefits
- Compare prequalified mortgage rates from multiple lenders
- Uses a soft credit check that doesn’t affect your score
- Easy online application with fast results
- Offers personal, student, and mortgage loans, and more
- Available in all 50 states
- Initial comparisons include rates, fees, and terms
- Great for both first-time and experienced buyers
Why We Chose Credible
We like Credible for its simplicity and value. It saves time by letting you compare multiple lenders side by side, all in one place, and without initially impacting your credit score. Additionally, the platform is easy to use and customer-friendly, which can help reduce confusion and frustration often associated with mortgage borrowing.
Pros
- Receive multiple offers with a single application
- No hard credit check to compare rates
- Works with reputable lending partners
- User-friendly website and mobile app
Cons
- Not a direct lender
- Loan terms depend on partner offers
- Limited control over the post-application process
- Fewer support options after prequalification
| Loan Types Available | Minimum Down Payment | Minimum Credit Score |
| Conventional, FHA, Refinance, HELOC | 3% (conventional) | 620 (varies by lender) |
LendingTree
Tied for Best Mortgage Marketplace
Trusted Company Reviews Rating Score for LendingTree: 9.2
Review
LendingTree is a loan marketplace that offers access to hundreds of lenders by submitting just one application. It’s perfect for comparing rates and terms, whether you’re purchasing, refinancing, or tapping into home equity. The platform also offers personal loans and debt consolidation financing.
About
With a long track record in online loan comparisons, LendingTree has a relatively long history, as far as online lenders are concerned. The platform provides borrowers with competitive quotes from a vast collection of banks, credit unions, and online lenders. It also offers information and tools to help you choose the most cost-effective mortgage option for your needs.
Features and Benefits
- Wide network of lending partners
- Soft credit check to receive personalized offers
- Compare interest rates, closing costs, and fees upfront
- Helpful calculators and educational resources available
- Flexible loan terms and product options
- Useful mobile tools
- Available nationwide
- Prequalify within minutes
Why We Chose LendingTree
LendingTree earns high marks for its reach, product selection, and convenience. Its expansive lender network and user-friendly tools help you see and compare competitive deals by filling out a single online form.
Pros
- Hundreds of lenders compete for your business
- Easy loan comparisons
- Quick prequalification without affecting your credit score
- Transparent rate and term details
Cons
- Not a direct lender
- Follow-up calls from multiple lenders
- User experience can vary by provider
- No control over the final underwriting process
| Loan Types Available | Minimum Down Payment | Minimum Credit Score |
| Conventional, FHA, VA, Jumbo, HELOC | Varies by lender | As low as 580 (FHA) |
Veterans United Home Loans
Best VA Loan Provider
Trusted Company Reviews Rating Score for Veterans United Home Loans: 9.1
Review
Veterans United is the nation’s top VA loan provider. It specializes in serving military members and their families. The company focuses exclusively on VA lending and has a strong reputation for excellent service and customer satisfaction.
About
Veterans United specializes in VA purchase, refinance, and cash-out loans. Its loan officers often have personal military experience and can help guide borrowers through every step of the process. The company also earns high marks for its educational content and credit-building resources.
Features and Benefits
- 100% financing for qualified VA borrowers
- Dedicated loan officers with VA experience
- Online prequalification tools
- In-house credit consulting
- High approval ratings and strong review scores
- Competitive VA interest rates
- Extensive educational support
- Nationwide service
Why We Chose Veterans United
Veterans United tops our list for VA loans because of its specialized support, exceptional reputation, and mission-related focus. It serves a very specific group of borrowers and consistently delivers excellent results.
Pros
- VA loan expertise
- Excellent customer service
- Low or no down payment required
- Credit consulting available
Cons
- No non-VA loans available
- Not available to customers without a military affiliation
- Loan options are more limited
| Loan Types Available | Minimum Down Payment | Minimum Credit Score |
| VA purchase, VA refinance, VA cash-out | 0% (VA loan benefit) | 620 (may vary) |
Chase Home Lending
Best for In-Person, Traditional Mortgage Borrowing
Trusted Company Reviews Rating Score for Chase Mortgage: 8.85
Review
Chase Home Lending offers strong in-person support and solid online tools and mortgage loan options. Backed by one of the largest banks in the U.S., Chase is ideal for traditional, first-time, and experienced borrowers alike.
About
Chase offers a full range of mortgage products, including conventional, FHA, VA, jumbo, and HELOC options, through its network of over 5,000 branches nationwide. It’s known for its Closing Guarantee and relationship pricing discounts for banking and other account holders.
Features and Benefits
- Available nationwide through branches and online
- Closing Guarantee of up to $5,000
- Discounts available for Chase account holders
- Strong education tools available
- Prequalification tools available
- Loan officers available for live support
- Multiple loan products and refinancing options
Why We Chose Chase
Chase makes our list of the best mortgage lenders by offering traditional banking relationships and in-person support, coupled with online user options. Its range of products, educational tools, and service flexibility also ranks well based on our rating criteria.
Pros
- Wide loan selection
- Helpful support for first-time buyers
- Closing Guarantee program
- Discounts for Chase customers
Cons
- Slower application process
- Limited rate transparency online
- Higher closing costs in some regions
- No fully online experience available
| Loan Types Available | Minimum Down Payment | Minimum Credit Score |
| Conventional, FHA, VA, Jumbo, HELOC | 3% (for qualifying programs) | 620 (FHA may allow lower) |
Frequently Asked Questions
These are some of the most common questions surrounding home mortgages
Mortgage insurance is required for most but not all loan types. For example, FHA loans require mortgage insurance premiums (MIP), while conventional loans with less than 20% down usually require private mortgage insurance (PMI). VA loans, on the other hand, do not require mortgage insurance, but may charge a funding fee.
At closing, you’ll sign the final paperwork for the loan and the property. The funds are transferred, or the process is set in motion, and ownership of the property officially becomes yours. You’ll also pay any closing costs, which may include lender fees, escrow deposits, and title insurance. Once complete, you’ll receive your keys and your mortgage will officially begin.