#1
SoFi
Member-first digital lender with no fees
4.8/5
Editor verified · 12,483 reviews
- APR
- 8.99%–25.81%
- Loan amount
- $5,000 – $100,000
- Min. credit
- 680
Best for: Excellent credit, high loan amounts
Mortgages
Best Mortgage Lenders of 2026
Purchase, refinance, HELOC and jumbo — we ranked 60+ mortgage lenders on rate transparency, closing time, product breadth and customer experience.
🇺🇸Showing lenders for United States
6.42%
30-yr fixed avg
5.71%
15-yr fixed avg
14 days
Fastest close
60+
Lenders compared
Live · US
30-yr fixed mortgage6.42%-0.03%
15-yr fixed5.71%-0.02%
Variable mortgage6.18%+0.01%
HELOC8.52%+0.04%
Personal loan (prime)9.12%-0.05%
New auto7.14%+0.02%
Used auto7.98%-0.01%
Credit card avg (APR)22.70%
Fed funds4.75%
Top savings4.60%
30-yr fixed mortgage6.42%-0.03%
15-yr fixed5.71%-0.02%
Variable mortgage6.18%+0.01%
HELOC8.52%+0.04%
Personal loan (prime)9.12%-0.05%
New auto7.14%+0.02%
Used auto7.98%-0.01%
Credit card avg (APR)22.70%
Fed funds4.75%
Top savings4.60%
Ranked · updated daily
Best best mortgage lenders of 2026 of 2026
Ranked by our editorial team on rates, fees, transparency, flexibility and customer experience.
#2
Rocket Mortgage
America's largest mortgage originator
4.6/5
Editor verified · 42,199 reviews
- APR
- 6.375%–8.25%
- Loan amount
- $25,000 – $3,000,000
- Min. credit
- 620
Best for: First-time buyers wanting a smooth digital experience
#3
Better.com
Commission-free digital mortgages
4.3/5
Editor verified · 8,842 reviews
- APR
- 6.125%–7.99%
- Loan amount
- $50,000 – $3,000,000
- Min. credit
- 620
Best for: Rate-conscious refi and purchase borrowers
Side-by-side
Compare lender terms
| Lender | APR | Amount | Term | Min. credit | Funding | |
|---|---|---|---|---|---|---|
SoFi Member-first digital lender with no fees | 8.99%–25.81% | $5,000–$100,000 | 24–84 months | 680 | As fast as same day | Review → |
Rocket Mortgage America's largest mortgage originator | 6.375%–8.25% | $25,000–$3,000,000 | 96–360 months | 620 | 30-45 days to close | Review → |
Better.com Commission-free digital mortgages | 6.125%–7.99% | $50,000–$3,000,000 | 120–360 months | 620 | As fast as 14 days | Review → |
Editorial guide
Everything to know before you apply
Conventional, FHA, VA or jumbo — which is right?
Conventional loans need 3%–20% down and a 620+ FICO. FHA drops the minimum to 3.5% down / 580 FICO but adds mortgage insurance for the life of the loan. VA loans require zero down for eligible service members. Jumbo loans exceed the 2026 conforming limit of $806,500 and typically want 10%+ down and 700+ FICO.
When to lock your rate
Most lenders offer 30-, 45- and 60-day locks. If your closing is more than 45 days out, a float-down option can protect you both directions. Mortgage rates typically track the 10-year Treasury plus 150–200 bps.
The closing cost checklist
Expect 2%–5% of the loan amount in closing costs: origination (0.5%–1%), appraisal ($500–$650), title insurance, prepaid interest, escrow and recording fees. Ask for a Loan Estimate from three lenders on the same day.
FAQ
Common questions
Still stuck? Our editorial team answers reader questions weekly.
How much house can I afford?
The 28/36 rule is a starting point: housing under 28% of gross monthly income, total debt under 36%.
What credit score do I need?
620 for conventional, 580 for FHA (3.5% down), 500 for FHA with 10% down. VA has no minimum but most lenders want 620+.
Is a 15-year mortgage worth it?
You'll pay ~40% less total interest but a ~50% higher monthly payment.
Should I buy points?
Each point (1% of loan) reduces your rate ~0.25%. Break-even is usually 5–7 years.