# Best Mortgage Lenders _CompareFairly · en/US · neutral comparison, cited sources, no paid placement_ **Category:** finance › credit › mortgage **Our pick**: Better Mortgage (83/100) · **Cheapest**: Better Mortgage · **Best value**: Better Mortgage ## 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 | ## 1. Better Mortgage An online lender focused on transparency and efficiency, often offering competitive rates and low fees. _Source (estimate): [https://www.better.com/](https://www.better.com/)_ ## 2. LoanDepot Offers a simple online application for either fixed or adjustable rate loans, with over 200 physical locations. **Best for:** Homebuyers who want a simple online application for either a fixed or adjustable rate loan. **Pros:** - More than 200 physical locations throughout the US - No refinancing fees for current loanDepot customers - Online “Knowledge Café” with tons of information **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 _Source (verified): [https://www.hsh.com/best-of/best-online-mortgage-lenders/](https://www.hsh.com/best-of/best-online-mortgage-lenders/)_ ## 3. New American Funding A direct lender offering a broad range of mortgage products and a commitment to technology and customer experience. _Source (estimate): [https://www.newamericanfunding.com/](https://www.newamericanfunding.com/)_ ## 4. USAA Federal Savings Bank Serves military members and their families, known for excellent customer service and competitive rates. _Source (estimate): [https://www.usaa.com/mortgage](https://www.usaa.com/mortgage)_ ## 5. Rocket Mortgage An online lender offering a wide variety of loan options with a 100% digital application process. **Best for:** Homebuyers who want an online lender that offers a wide variety of loan options. **Pros:** - Takes only minutes to get your loan estimate - Application process is 100% digital - Your loan status is always visible **Cons:** - No home equity loans, lines of credit or HELOCs offered - No brick-and-mortar locations - Customized interest rate requires a hard credit check _Source (verified): [https://www.hsh.com/best-of/best-online-mortgage-lenders/](https://www.hsh.com/best-of/best-online-mortgage-lenders/)_ ## 6. Chase Home Lending A lender with nationwide reach, a variety of products and services, and branch locations available. **Best for:** Borrowers who are looking for a lender with nationwide reach, a variety of products and services, and branch locations available. **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. **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. _Source (verified): [https://www.hsh.com/best-of/best-online-mortgage-lenders/](https://www.hsh.com/best-of/best-online-mortgage-lenders/)_ ## 7. Guild Mortgage A national lender with a strong focus on customer service and a variety of loan programs, including for first-time homebuyers. _Source (estimate): [https://www.guildmortgage.com/](https://www.guildmortgage.com/)_ ## 8. Wells Fargo Home Mortgage One of the nation's largest mortgage lenders, providing a variety of loan programs and extensive branch network. _Source (estimate): [https://www.wellsfargo.com/mortgage/](https://www.wellsfargo.com/mortgage/)_ ## 9. Chase ## 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. ## 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. --- _Generated by CompareFairly - neutral universal comparator. Ranking not for sale, data sourced._ --- _CompareFairly · https://comparefairly.com/en/US/best-mortgage-lenders — citation with a link is allowed; bulk extraction/redistribution is prohibited._