CompareFairlyBest Mortgage Lenders 2026
Our pick : Better Mortgage (83/100) · Cheapest : Better Mortgage · Best value : Better Mortgage
In short
This comparison of nine mortgages across ten criteria, including interest rate, APR, origination fees, available loan types, customer service rating, and minimum credit score, places Better Mortgage first with a score of 83/100, largely due to its perfect scores for down payment options and origination fees, making it also the cheapest option. LoanDepot follows with a score of 76/100, excelling in online application and tools. The data for three out of nine options is sourced, with the remaining values being estimates. The facts in this summary are computed from the table below; only the wording is generated.
Comparison table
| Criterion | Better Mortgage | LoanDepot | New American Funding | USAA Federal Savings Bank | Rocket Mortgage | Chase Home Lending |
|---|---|---|---|---|---|---|
| Interest Rate (%) | 6.3 | 6.5 | 6.5 | 6.2 | 6.5 | 6.4 |
| APR (%) | 6.6 | 6.8 | 6.8 | 6.5 | 6.8 | 6.7 |
| Origination Fees (USD) | 1000 | 1300 | 1400 | 1100 | 1500 | 1200 |
| Available Loan Types | — | — | — | — | — | — |
| Customer Service Rating (étoiles) | 4.2 | 4.1 | 4.2 | 4.8 | 4.5 | 4.3 |
| Minimum Credit Score (points) | 620 | 620 | 600 | 640 | 620 | 620 |
| Down Payment Options | Low | Low | Low | Standard | Low | Standard |
| Average Funding Time (jours) | 28 | 32 | 33 | 30 | 30 | 35 |
| Online Application & Tools | Excellent | Good | Good | Good | Excellent | Good |
| Lender Type | Online Lender | Online Lender | Online Lender | Bank | Online Lender | Bank |
Frequently asked questions
What are the best mortgage lenders in 2026?
In 2026, Better Mortgage leads our ranking with a score of 83/100, followed closely by LoanDepot, based on criteria like interest rates, fees, and customer service.
How do mortgage lenders compare on interest rates and APR?
Our comparison evaluates lenders based on their advertised interest rates and Annual Percentage Rates (APR) to help you find the most cost-effective option.
What factors determine the best mortgage lender?
We assess lenders on interest rate, APR, origination fees, loan types offered, customer service ratings, and minimum credit score requirements.
Is your mortgage lender ranking sponsored?
No, our ranking is completely neutral and unbiased; we do not accept payment for placement, and all data is sourced from publicly available information.
Methodology and transparency
Ranking: options are sorted on measured, sourced criteria. No position is ever sold, and no advertiser pays to appear here.
Scope: this comparison is not exhaustive. It presents the options our sources document, not every offer on the market.
Earnings: some outbound links may be affiliate links that earn us a commission. This never affects the ranking, the scores or the data.
Data: every value is linked to its source and refreshed automatically; the collection date is shown.