Best Mortgage Lenders

helping to make your moving experience easier

Best Mortgage Lenders (Reviewed May 2024)

A lot of people will tell you that owning a home is the American dream but most people don’t have hundreds of thousands of dollars that can be used to purchase their home without financing. In order to achieve homeownership, many home buyers will need to take out a loan or a mortgage from a lender. That’s why the mortgage market is one of the major financial sectors in the US economy and even the federal government is heavily involved. There are many mortgage products, programs and even assistance available for just about everyones financial situation.

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#2 Uncomplicated Application Process

Min. Credit Score 620?
Min. Down Payment 3%?

Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VA, USDA

May 22, 2024

#3 Guaranteeing Competitive Rates

Min. Credit Score 620?
Min. Down Payment 3%?

Purchase, Refinance, Home Equity, Reverse, Jumbo, Fixed, Adjustable, FHA, VA, USDA

May 22, 2024

We’re Here to Help Out in That Department

So how does a home buyer shop for a mortgage lender and choose the right mortgage loan for them? Simple. Start by doing your research online and deciding which mortgage option makes the most sense.

Choosing the right mortgage loan is very important and choosing the right lender to provide the loan is even more important. This is probably the largest loan you will ever take out in your lifetime and will finance a good portion of your net worth and financial stability.

Below, we have done a lot of the homework for you to get started on your path towards selecting the best mortgage lender for your home purchase.

Our Recommended Top Mortgage Providers For Your Home Loan

Click on any of the mortgage provides below to learn even more in-depth information about their services.

1. Lending Tree Mortgages

Why We Like Lending Tree For Mortgages

Overall, Lending Tree offers an accessible platform that makes it easy to find multiple mortgage quotes at the same time. Instead of manually filling out applications at numerous lenders, Lending Tree allows you to input core details and receive offers from various lenders.

If you’re looking for a customer-focused lender that provides an easy-to-use platform and strong comparison tools, this is undoubtedly a great option and should not be a surprise that Lending Tree made our list of best mortgage lenders.

Of course, your experience with Lending Tree will be largely determined by the lender that you ultimately decide to work with, so it’s impossible to predict your satisfaction with the process ahead of time — without already knowing your partner lender.

Nonetheless, Lending Tree will be a good fit for your mortgage needs if you are looking for comparison shopping for the best option that is right for you.

Lending Tree Pros & Cons

There are positives and negatives associated with all modern lending platforms. Here are some pros and cons associated with Lending Tree.


  • The process is entirely online
  • Compare rates from multiple lenders
  • A wide range of mortgage products and options available
  • A strong customer service team
  • Good reputation with past users
  • Various mortgage calculators and tools


  • Doesn’t offer any direct lending
  • Doesn’t factor in all direct lenders or brokers

Read our full Lending Tree review…

2. Mortgages

Why We Like For Mortgages is an online lender that has grown significantly in recent years. The company’s founder started the firm because he found the process of applying for a home loan to be way too long and difficult. Thus,’s primary aim is to improve the overall application process and to make online home loans more accessible to American families.

All in all, provides an easy-to-use application process to its online clients. While you can’t yet access this platform in all 50 states, those who can access it will love the low-fee structure that avoids unnecessary charges. This is why makes one of our top mortgage lenders list.

The company offers a network of loan officers and a strong customer support team that makes the online application even easier.’s clients also benefit from transparent and competitive interest rates. Pros & Cons

In order to get a clear understanding of’s strengths and weaknesses, let’s take a closer look at the pros and cons associated with this platform:


  • Can access a broad range of lending products
  • A strong customer service team
  • No origination fees
  • No commissions are given to agents
  • Customers can get a loan via an entirely online application process
  • Offers human loan officers that can assist you throughout any part of the process


  • Not available in all 50 states
  • No VA or USDA loans currently available
  • No HELOCs
  • Must have at least a 620 credit score to apply

Read our full review…

3. Veterans United Mortgages

Why We Like Veterans United For Mortgages

Veterans United is one of the top mortgage providers that is primarily committed to providing VA loans to US Military veterans. In fact, the company provides more VA loans than any other lender in the United States. Veterans United also offers a wide array of other traditional and government-backed mortgages.

As the largest lender of VA loans in the country, Veterans United is considered a worthy partner for many US Military veterans. In addition to other lending products, the company offers 24/7 customer support and free credit counseling. Additionally, clients of Veterans United benefit from transparent rates and a strong consumer reputation.

So, if you think Veterans United might be the right partner for your next home loan, it’s time for you to check them out.

Veterans United Pros & Cons

Weighing up strengths and weaknesses is one of the best ways to see if a particular lender is the best fit for your situation. Here are the pros and cons of Veterans United:


  • Transparent interest rates
  • An easy mortgage application process
  • 24/7 customer support
  • Free credit counseling
  • A wide range of mortgage products
  • A strong reputation with consumers


  • Large funding fee
  • Typically need to speak to someone on the phone to complete your application

Read our full Veterans United review…

4. Rocket Mortgage

Why We Like Rocket Mortgage for Home Loans

Rocket Mortgage has recently been making big waves in the mortgage industry. This cutting-edge lending platform was created by Quicken Loans to be an exclusively online mortgage portal. Despite only being around for a few years, Rocket Mortgage is starting to become nearly as popular as its parent company. At the present moment, the company is headquartered in Detroit, Michigan.

You can access this platform via a traditional browser or your smartphone. So it’s no surprise that its popularity has exploded in recent years. To save time, you can even integrate information from other financial institutions.

If you’re looking for an easy-to-use online mortgage lender, it’s hard to avoid Rocket Mortgage. This world-class innovator has grown substantially in recent years. With a seamless online application and plenty of resources, Rocket Mortgage is a very sensible choice.

Rocket Mortgage Pros & Cons

It’s always important to assess the strengths and weaknesses of a lender before you make a final decision. Here are the pros and cons of working with Rocket Mortgage:


  • Can access a broad range of lending products
  • An extremely easy application process
  • No need to call a loan officer
  • Offers most major loan types
  • Backed by a reputable parent company
  • A strong customer service team


  • No in-person services
  • No HELOC or home equity loans

Read our full Rocket Mortgage review…

5. LoanDepot Mortgage

Why We Like LoanDepot For Home Loans

LoanDepot is an online mortgage lender, however, most customers need to make a phone call or contact a local loan officer at some point during their mortgage application process. Either way, LoanDepot is known for simplifying the process and will help you to purchase your new home.

At LoanDepot, you’ll have access to a wide range of mortgage products and competitive rates. While the company’s origination fees can be somewhat high, you won’t have to pay any lending fees if you choose to work with LoanDepot to refinance your home.

Since this lender makes the application process so easy, and provides loans to all 50 states, it’s not hard to see why it has grown into one of the industry’s biggest competitors and one of our best mortgage lenders.

LoanDepot Pros & Cons

If you’re comparing multiple lenders, it’s always a good idea to weigh the pros and cons of working with each company. Here are the advantages and disadvantages of choosing LoanDepot as your next home loan partner:


  • Reputable lender
  • Wide range of available mortgage products
  • Can complete the application on phone or in-store
  • Available in all 50 states
  • Competitive rates


  • Cannot complete the process entirely online
  • No USDA loans available
  • No home equity loans or HELOCs available
  • Reports of government action against the lender

Read our full LoanDepot Mortgate review…

6. Costco Mortgage

Why We Like Costco Mortgages

Costco is well-known for being one of the largest retailers in the United States. The company operates a subscription-based business model that allows customers to purchase goods at wholesale prices in its warehouse-style stores. In recent years, Costco has expanded its services to include home mortgages.

Costco Mortgage Services provides home loans to customers throughout various parts of the United States, partnering with First Choice Loan Services to facilitate the loans. Nonetheless, First Choice is not the only lender. Indeed, there is a wide array of lenders that one can choose from.

While you don’t have to be a Costco member to take advantage of the company’s loan platform, a membership can save you a substantial amount on fees.

Costco Pros & Cons

Looking at a concise list of pros and cons can help you better assess the strength of a lender. Below, let’s explore the strengths and weaknesses of Costco Mortgage Services:


  • Comprehensive marketplace with multiple lenders
  • Costco members benefit from capped origination fees
  • Multiple mortgage products available
  • A strong customer support team


  • Costco is not a direct lender
  • The quality of your experience can largely depend on the lender you’re partnered with

Read our full Costco Mortgage review…

7. Credible Mortgages

Why We Like Credible Mortgages

Credible is a financial marketplace that connects customers to top lenders from around the country. Credible itself is not a direct lender. Instead, it provides would-be borrowers with multiple quotes from different lenders. This streamlined comparison process can help customers find the rate they’re looking for without unnecessary legwork.

Credible offers a unique opportunity to compare multiple rates without the need to contact separate lenders. Moreover, you won’t have to worry about paying any commissions. They only charge fees to lenders. With a strong customer support team and a world-class reputation, it’s easy to see why this platform is growing in popularity.

Credible Pros & Cons

If you’re trying to determine if you want to use Credible, it’s essential to understand the platform’s strengths and weaknesses. Below, let’s explore its advantages and disadvantages:


  • An online marketplace that offers access to multiple lenders
  • Instantly compare rates
  • Multiple loan options
  • Both refinancing and traditional mortgages are available
  • Excellent online resources
  • An easy-to-contact customer service team
  • No ‘Credible’ commissions


  • The company is not a direct lender
  • The quality of your experience will mostly depend on the lender that you work with

Read our full Credible Mortgage review…

8. Guaranteed Rate Mortgage

Why We Like Guaranteed Rate Mortgages

Guaranteed Rate is an online lender that has blossomed into one of the internet’s most prominent mortgage providers. This lender provides a range of home loans and mortgage refinancing options. You can apply for a loan using the company’s website, or you can call a loan officer to walk you through the process (or to answer any questions you might have).

Guaranteed Rate offers a wide array of mortgage and refinancing products. The company is primarily focused on using its online platform to help its clients streamline the application process. To be sure, this lender’s application portal is a tad bit slow to reveal its interest rates. However, there are still plenty of positives associated with the company.

Guaranteed Rate Pros & Cons

If you’re going to work with a lender, you need to understand the pros and cons of their services. Below, let’s take a look at the strengths and weaknesses of Guaranteed Rate.


  • Easy online application
  • Both loan and refinancing options are offered
  • Government-backed loan options
  • A strong customer service team
  • Excellent reputation with previous clients


  • Not transparent about interest rates
  • Large lender fees

Read our full Guaranteed Rate Mortgage review…

9. Quicken Loans Mortgages

Why We Like Quicken Loans Mortgages

Quicken Loans is one of the country’s best-known mortgage providers. This Detroit-based lender originally started offering mortgages via traditional channels, but quickly moved to an online platform that streamlines the entire application process. You can access both conventional home loans and refinancing loans via the Quicken Loans platform.

Quicken Loans is known for its easy-to-use online mortgage application. However, the company still uses an extensive network of ‘bankers’ that you can reach via phone. In many cases, you will need to speak to one of these specialists to get your loan approved.

Still, there’s no doubting that this is one of the most accessible and best mortgage platforms in the country. You can also access pre-approvals and other useful tools that help you to improve your chances of purchasing your next home.

Quicken Loans Rate Pros & Cons

Now that you know the overview of Quicken Loans, it’s essential to take a closer look at the pros and cons of this unique platform.


  • Wide range of mortgage products
  • Simple phone or internet application
  • Strong reputation in the industry
  • Good customer support team
  • Competitive rates


  • No access to HELOCs or other home equity programs
  • You need to use the subsidiary Rocket Mortgage for a fully online application
  • Origination fee can be quite high
  • Does not accept non-traditional credit scores

Read our full Quicken Loans Mortgage review…

10. Zillow Home Loans

Why We Like Zillow Home Loans

If you’re in the market for a home in America, there’s a good chance that you’ve heard of Zillow. This company is one of America’s largest online real estate platforms. While they are best-known for providing access to online real estate listings, Zillow recently purchased a mortgage business to open its own lending platform.

While Zillow Home Loans is a relatively new company, there seems to be a lot of promise for the platform. Not only is it backed by an extremely reputable real estate website, it also benefits from extensive data that its parent company has collected for more than 15 years.

You’ll find most major types of mortgages at Zillow Home Loans, and you’ll also benefit from a wide array of calculators and other resources.

Zillow operates a mortgage marketplace for those who are looking to buy a property via the company’s website. And this new mortgage endeavor is a bold move to increase the company’s footprint in the real estate industry.

Zillow Rate Pros & Cons

There are advantages and disadvantages associated with any lender. So, what are the strengths and weaknesses of Zillow Home Loans? Let’s find out below:


  • Mortgage platform backed by reputable real estate company
  • Nice selection of mortgage products
  • Low down payments
  • Flexible terms
  • A strong customer service team


  • A lack of transparency about rates
  • A lack of clarity about requirements
  • No variable interest rates on conventional loans

Read our full Zillow Home Loans review…