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Home Loans

Best Mortgage Lenders 2026

Compare purchase and refinance lenders, down payments and credit requirements.

Last updated: October 23, 2026 ·

Our Top Choice

1

Rocket Mortgage

Get approved online in minutes

#1 in customer satisfaction
Conventional, FHA, VA, jumbo
1% down ONE+ program

9.3Excellent

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Min. Credit: 580
Min. Down: 1%
Loan Types: Conv, FHA, VA, USDA, Jumbo

No Lender Fees

2

$0 origination, $0 lender fees

Pre-approval in 3 minutes
Price match
One Day Mortgage

8.8Very Good

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Min. Credit: 620
Min. Down: 3%
Loan Types: Conv, FHA, VA, Jumbo

Best for VA

3

Veterans United

$0 down VA loans

No PMI
Free credit coaching
24/7 support

9.2Excellent

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Min. Credit: 620
Min. Down: 0%
Loan Types: VA, FHA, Conv, USDA

4

Guaranteed Rate

Close in as little as 2 weeks

Published rates
Renovation loans
Digital mortgage

8.7Very Good

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Min. Credit: 620
Min. Down: 3%
Loan Types: Conv, FHA, VA, Jumbo

5

Up to $5,000 relationship discount

DreaMaker low down payment
Homebuyer grant
In-branch advisors

9.3Excellent

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Min. Credit: 620
Min. Down: 3%
Loan Types: Conv, FHA, VA, Jumbo

6

Lifetime refinance guarantee

Waived lender fees on refi
All 50 states
HELOCs

8.6Very Good

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Min. Credit: 580
Min. Down: 3%
Loan Types: Conv, FHA, VA, Jumbo

About home loans

Even a small difference in mortgage rate adds up to tens of thousands over the life of a loan. We compare leading lenders on loan types, minimum credit score, down payment and closing speed.

How we rate

Every brand is scored by our editors on:

Rates & Fees
Loan Variety
Process Speed
Digital Tools
Customer Service

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