{
  "canary": "8e1710d13e49b39a",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Rates",
        "key": "interest_rate",
        "label": "Interest Rate",
        "poids": 5,
        "primary": true,
        "sens": "plus_bas_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Rates",
        "key": "apr",
        "label": "APR",
        "poids": 4,
        "sens": "plus_bas_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Costs",
        "key": "fees",
        "label": "Origination Fees",
        "poids": 4,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Products",
        "key": "loan_types",
        "label": "Available Loan Types",
        "options": [
          "Conventional",
          "FHA",
          "VA",
          "USDA",
          "Jumbo"
        ],
        "poids": 3,
        "sens": "neutre",
        "type": "liste_tags"
      },
      {
        "group": "Reputation",
        "key": "customer_service_rating",
        "label": "Customer Service Rating",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "notation",
        "unit": "étoiles"
      },
      {
        "group": "Requirements",
        "key": "minimum_credit_score",
        "label": "Minimum Credit Score",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "nombre",
        "unit": "points"
      },
      {
        "group": "Requirements",
        "key": "down_payment_options",
        "label": "Down Payment Options",
        "options": [
          "Low",
          "Moderate",
          "Standard"
        ],
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "options"
      },
      {
        "group": "Process",
        "key": "funding_time",
        "label": "Average Funding Time",
        "poids": 2,
        "sens": "plus_bas_mieux",
        "type": "duree",
        "unit": "jours"
      },
      {
        "group": "Technology",
        "key": "online_tools",
        "label": "Online Application & Tools",
        "options": [
          "Excellent",
          "Good",
          "Fair",
          "Poor"
        ],
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "options"
      },
      {
        "group": "Company",
        "key": "lender_type",
        "label": "Lender Type",
        "options": [
          "Bank",
          "Credit Union",
          "Online Lender",
          "Mortgage Broker"
        ],
        "poids": 1,
        "sens": "neutre",
        "type": "options"
      }
    ],
    "faq": [
      {
        "a": "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.",
        "q": "What are the best mortgage lenders in 2026?"
      },
      {
        "a": "Our comparison evaluates lenders based on their advertised interest rates and Annual Percentage Rates (APR) to help you find the most cost-effective option.",
        "q": "How do mortgage lenders compare on interest rates and APR?"
      },
      {
        "a": "We assess lenders on interest rate, APR, origination fees, loan types offered, customer service ratings, and minimum credit score requirements.",
        "q": "What factors determine the best mortgage lender?"
      },
      {
        "a": "No, our ranking is completely neutral and unbiased; we do not accept payment for placement, and all data is sourced from publicly available information.",
        "q": "Is your mortgage lender ranking sponsored?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 2892,
    "neutral": false,
    "path": [
      "finance",
      "credit",
      "mortgage"
    ],
    "price_key": "fees",
    "profile_questions": [
      {
        "options": [
          "Excellent (740+)",
          "Good (670-739)",
          "Fair (580-669)",
          "Poor (<580)"
        ],
        "q": "Credit Score Range?"
      },
      {
        "options": [
          "Purchase",
          "Refinance"
        ],
        "q": "Loan Purpose?"
      },
      {
        "options": [
          "0-10%",
          "10-20%",
          "20%+"
        ],
        "q": "Down Payment %?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "compare mortgage rates",
      "mortgage calculator",
      "refinance mortgage",
      "FHA loans"
    ],
    "synthese": [
      "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."
    ],
    "tier": "gold",
    "title": "Best Mortgage Lenders",
    "unranked": false,
    "visual": "logo"
  },
  "country": "US",
  "freshness": {
    "age_days": 6.1,
    "stale": true,
    "ttl_days": 1
  },
  "items": [
    {
      "badges": [
        "best_overall",
        "cheapest",
        "best_value"
      ],
      "description": "An online lender focused on transparency and efficiency, often offering competitive rates and low fees.",
      "estimated": true,
      "link_url": "https://www.better.com/",
      "logo_dom": "better.com",
      "logo_url": "https://unavatar.io/better.com?fallback=false",
      "name": "Better Mortgage",
      "provider": "Better",
      "score": 83.0,
      "source_url": "https://www.better.com/",
      "subscores": {
        "apr": 98.0,
        "customer_service_rating": 88.0,
        "down_payment_options": 100.0,
        "fees": 100.0,
        "funding_time": 100.0,
        "interest_rate": 60.0,
        "minimum_credit_score": 97.0,
        "online_tools": 0.0
      },
      "values": {
        "apr": 6.6,
        "customer_service_rating": 4.2,
        "down_payment_options": "Low",
        "fees": 1000,
        "funding_time": 28,
        "interest_rate": 6.3,
        "lender_type": "Online Lender",
        "loan_types": [
          "Conventional",
          "FHA",
          "Jumbo"
        ],
        "minimum_credit_score": 620,
        "online_tools": "Excellent"
      }
    },
    {
      "badges": [],
      "best_for": "Homebuyers who want a simple online application for either a fixed or adjustable rate loan.",
      "cons": [
        "No home equity loans or USDA loans",
        "Lender fees aren’t listed on their website",
        "Requires a 5% down payment, compared to 3% required by some lenders"
      ],
      "description": "Offers a simple online application for either fixed or adjustable rate loans, with over 200 physical locations.",
      "link_url": "https://loandepot.com/",
      "logo_dom": "loandepot.com",
      "logo_url": "https://unavatar.io/loandepot.com?fallback=false",
      "name": "LoanDepot",
      "pros": [
        "More than 200 physical locations throughout the US",
        "No refinancing fees for current loanDepot customers",
        "Online “Knowledge Café” with tons of information"
      ],
      "provider": "LoanDepot",
      "rating": 4.8,
      "score": 76.0,
      "source_url": "https://www.hsh.com/best-of/best-online-mortgage-lenders/",
      "subscores": {
        "apr": 96.0,
        "customer_service_rating": 85.0,
        "down_payment_options": 100.0,
        "fees": 77.0,
        "funding_time": 88.0,
        "interest_rate": 40.0,
        "minimum_credit_score": 97.0,
        "online_tools": 33.0
      },
      "values": {
        "apr": 6.8,
        "customer_service_rating": 4.1,
        "down_payment_options": "Low",
        "fees": 1300,
        "funding_time": 32,
        "interest_rate": 6.5,
        "lender_type": "Online Lender",
        "loan_types": [
          "Conventional",
          "VA",
          "FHA"
        ],
        "minimum_credit_score": 620,
        "online_tools": "Good"
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "A direct lender offering a broad range of mortgage products and a commitment to technology and customer experience.",
      "estimated": true,
      "link_url": "https://www.newamericanfunding.com/",
      "logo_dom": "new.com",
      "logo_url": "https://unavatar.io/new.com?fallback=false",
      "name": "New American Funding",
      "provider": "New American Funding",
      "score": 75.0,
      "source_url": "https://www.newamericanfunding.com/",
      "subscores": {
        "apr": 96.0,
        "customer_service_rating": 88.0,
        "down_payment_options": 100.0,
        "fees": 71.0,
        "funding_time": 85.0,
        "interest_rate": 40.0,
        "minimum_credit_score": 94.0,
        "online_tools": 33.0
      },
      "values": {
        "apr": 6.8,
        "customer_service_rating": 4.2,
        "down_payment_options": "Low",
        "fees": 1400,
        "funding_time": 33,
        "interest_rate": 6.5,
        "lender_type": "Online Lender",
        "loan_types": [
          "Conventional",
          "FHA",
          "VA",
          "USDA",
          "Jumbo"
        ],
        "minimum_credit_score": 600,
        "online_tools": "Good"
      }
    },
    {
      "badges": [],
      "description": "Serves military members and their families, known for excellent customer service and competitive rates.",
      "estimated": true,
      "link_url": "https://www.usaa.com/",
      "logo_dom": "usaa.com",
      "logo_url": "https://unavatar.io/usaa.com?fallback=false",
      "name": "USAA Federal Savings Bank",
      "provider": "USAA",
      "score": 74.0,
      "source_url": "https://www.usaa.com/mortgage",
      "subscores": {
        "apr": 100.0,
        "customer_service_rating": 100.0,
        "down_payment_options": 0.0,
        "fees": 91.0,
        "funding_time": 93.0,
        "interest_rate": 60.0,
        "minimum_credit_score": 100.0,
        "online_tools": 33.0
      },
      "values": {
        "apr": 6.5,
        "customer_service_rating": 4.8,
        "down_payment_options": "Standard",
        "fees": 1100,
        "funding_time": 30,
        "interest_rate": 6.2,
        "lender_type": "Bank",
        "loan_types": [
          "Conventional",
          "VA",
          "Jumbo"
        ],
        "minimum_credit_score": 640,
        "online_tools": "Good"
      },
      "verified": false
    },
    {
      "badges": [],
      "best_for": "Homebuyers who want an online lender that offers a wide variety of loan options.",
      "cons": [
        "No home equity loans, lines of credit or HELOCs offered",
        "No brick-and-mortar locations",
        "Customized interest rate requires a hard credit check"
      ],
      "description": "An online lender offering a wide variety of loan options with a 100% digital application process.",
      "link_url": "https://rocketmortgage.com/",
      "logo_dom": "rocket.com",
      "logo_url": "https://unavatar.io/rocket.com?fallback=false",
      "name": "Rocket Mortgage",
      "pros": [
        "Takes only minutes to get your loan estimate",
        "Application process is 100% digital",
        "Your loan status is always visible"
      ],
      "provider": "Rocket Mortgage",
      "rating": 4.7,
      "score": 73.0,
      "source_url": "https://www.hsh.com/best-of/best-online-mortgage-lenders/",
      "subscores": {
        "apr": 96.0,
        "customer_service_rating": 94.0,
        "down_payment_options": 100.0,
        "fees": 67.0,
        "funding_time": 93.0,
        "interest_rate": 40.0,
        "minimum_credit_score": 97.0,
        "online_tools": 0.0
      },
      "values": {
        "apr": 6.8,
        "customer_service_rating": 4.5,
        "down_payment_options": "Low",
        "fees": 1500,
        "funding_time": 30,
        "interest_rate": 6.5,
        "lender_type": "Online Lender",
        "loan_types": [
          "Conventional",
          "VA",
          "FHA"
        ],
        "minimum_credit_score": 620,
        "online_tools": "Excellent"
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Borrowers who are looking for a lender with nationwide reach, a variety of products and services, and branch locations available.",
      "cons": [
        "Application is not entirely online. You’ll need to speak to a representative to complete the process.",
        "Currently not offering HELOC or home equity loans."
      ],
      "description": "A lender with nationwide reach, a variety of products and services, and branch locations available.",
      "link_url": "https://chase.com/",
      "logo_dom": "chase.com",
      "logo_url": "https://unavatar.io/chase.com?fallback=false",
      "name": "Chase Home Lending",
      "pros": [
        "Guaranteed on-time closing or you receive $5,000, if you qualify.",
        "Nationwide coverage and iOS/Android mobile app.",
        "3% down-payment loans available for qualified applicants."
      ],
      "provider": "Chase",
      "rating": 4.6,
      "score": 70.0,
      "source_url": "https://www.hsh.com/best-of/best-online-mortgage-lenders/",
      "subscores": {
        "apr": 97.0,
        "customer_service_rating": 90.0,
        "down_payment_options": 0.0,
        "fees": 83.0,
        "funding_time": 80.0,
        "interest_rate": 60.0,
        "minimum_credit_score": 97.0,
        "online_tools": 33.0
      },
      "values": {
        "apr": 6.7,
        "customer_service_rating": 4.3,
        "down_payment_options": "Standard",
        "fees": 1200,
        "funding_time": 35,
        "interest_rate": 6.4,
        "lender_type": "Bank",
        "loan_types": [
          "Conventional",
          "VA",
          "FHA"
        ],
        "minimum_credit_score": 620,
        "online_tools": "Good"
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "A national lender with a strong focus on customer service and a variety of loan programs, including for first-time homebuyers.",
      "estimated": true,
      "link_url": "https://guild.com/",
      "logo_dom": "guild.com",
      "logo_url": "https://unavatar.io/guild.com?fallback=false",
      "name": "Guild Mortgage",
      "provider": "Guild Mortgage",
      "score": 67.0,
      "source_url": "https://www.guildmortgage.com/",
      "subscores": {
        "apr": 93.0,
        "customer_service_rating": 92.0,
        "down_payment_options": 100.0,
        "fees": 59.0,
        "funding_time": 74.0,
        "interest_rate": 0.0,
        "minimum_credit_score": 97.0,
        "online_tools": 67.0
      },
      "values": {
        "apr": 7.0,
        "customer_service_rating": 4.4,
        "down_payment_options": "Low",
        "fees": 1700,
        "funding_time": 38,
        "interest_rate": 6.7,
        "lender_type": "Mortgage Broker",
        "loan_types": [
          "Conventional",
          "FHA",
          "VA",
          "USDA",
          "Jumbo"
        ],
        "minimum_credit_score": 620,
        "online_tools": "Fair"
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "One of the nation's largest mortgage lenders, providing a variety of loan programs and extensive branch network.",
      "estimated": true,
      "link_url": "https://www.wellsfargo.com/",
      "logo_dom": "wells.com",
      "logo_url": "https://unavatar.io/wells.com?fallback=false",
      "name": "Wells Fargo Home Mortgage",
      "provider": "Wells Fargo",
      "score": 63.0,
      "source_url": "https://www.wellsfargo.com/mortgage/",
      "subscores": {
        "apr": 94.0,
        "customer_service_rating": 83.0,
        "down_payment_options": 50.0,
        "fees": 63.0,
        "funding_time": 70.0,
        "interest_rate": 20.0,
        "minimum_credit_score": 100.0,
        "online_tools": 33.0
      },
      "values": {
        "apr": 6.9,
        "customer_service_rating": 4.0,
        "down_payment_options": "Moderate",
        "fees": 1600,
        "funding_time": 40,
        "interest_rate": 6.6,
        "lender_type": "Bank",
        "loan_types": [
          "Conventional",
          "FHA",
          "VA",
          "USDA",
          "Jumbo"
        ],
        "minimum_credit_score": 640,
        "online_tools": "Good"
      },
      "verified": false
    },
    {
      "badges": [],
      "estimated": true,
      "link_url": "https://chase.com/",
      "name": "Chase",
      "score": 0.0,
      "subscores": {},
      "values": {
        "apr": null,
        "customer_service_rating": null,
        "down_payment_options": null,
        "fees": null,
        "funding_time": null,
        "interest_rate": null,
        "lender_type": "Bank",
        "loan_types": null,
        "minimum_credit_score": null,
        "online_tools": null
      }
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/US/best-mortgage-lenders.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "best mortgage lenders",
  "source": "CompareFairly",
  "title": "Best Mortgage Lenders",
  "unranked": false,
  "url": "https://comparefairly.com/en/US/best-mortgage-lenders"
}