Compare the best mortgage lenders for purchase and refinance. Independent rankings of Rocket Mortgage, Better, SoFi, and more. Expert reviews updated
How we rank mortgage lenders
We rank purchase and refinance mortgage lenders on rate competitiveness, origination fees, closing speed, loan-type selection, and borrower experience. Rates are verified weekly against live lender quotes and NMLS public filings. Editorial rankings are never influenced by advertising relationships.
What to compare
APR (not just rate) — includes origination fees, points, and lender credits for true cost.
Loan types supported: conventional, FHA, VA, USDA, jumbo, and adjustable-rate options.
Closing timeline and average days from application to funded loan.
Down payment minimums and whether the lender offers PMI-free options.
Prepayment penalties — all picks on this page have zero prepayment fees.