12 Best Mortgage Lenders of April 2024

An online process with human help as needed.

Makes it easy to see customized mortgage rates.

Offers an "underwriter reviewed" preapproval letter in as little as 24 hours.

Doesn't offer home equity loans or HELOCs.

Doesn't do VA or USDA loans.

Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary.

Estimates the loan amount you’ll qualify for within minutes.

Offers document and asset retrieval capabilities.

If you’re a “look me in the eye” type of customer, you’re out of luck.

Getting a customized interest rate requires a credit check, which can lower your credit score by a few points.

Uses manual underwriting to evaluate creditworthiness, in some cases.

Offers a fully online mortgage application, rate quotes, document upload and loan tracking.

Mortgage rates offered to borrowers are higher than the government-reported median of all lenders.

Offers the ability to securely upload and digitally sign loan documents.

Displays detailed sample rates for many of its loan products.

Doesn't offer home equity loans or lines of credit.

Offers digital income, asset and employment verification.

Offers multiple renovation loan options.

Has over 200 affiliated loan stores nationwide for customers who prefer face-to-face service.

Mortgage rates aren't available online; you'll need to contact a loan officer.

Does not offer home equity loans or lines of credit.

Offers 24/7 customer service over the phone.

Has online application and pre-qualification.

Offers a free credit counseling service.

Employs advisors from each branch of the armed forces.

Doesn't offer home equity loans or HELOCs.

Veterans United has physical branch offices in only 18 states.

Charges higher rates and fees than some other lenders.

Information on FHA, USDA and conventional loans is harder to find on its website.

Devotes much of its business to serving military families with VA loans.

Considers nontraditional income sources, in some cases.

Offers competitive rates and origination fees.

No online loan process updates or tracking.

No home improvement mortgages or home equity loan products.

Quicken Loans couples a fully online application with available mortgage advisors for those who want a human touch.

Instantly verifies employment and income for many working Americans.

Offers custom fixed-rate loan terms that are between eight and 30 years.

Provides a wide variety of loan types, including renovation loans and some government-backed mortgage products.

Quicken Loans doesn't offer home equity loans or HELOCs.

Quicken's lender fees can be stout and they don't offset those fees with particularly low mortgage rates.

Offers a range of fixed-rate and adjustable-rate mortgages in most states.

Displays sample rates for its entire array of loan products, and you don't need to provide personal information to get a custom rate quote.

Doesn't offer FHA, VA or USDA loans.

Lacks document upload and online loan tracking capabilities.

Allows electronic submission and tracking of loan documents.

Carries a wide variety of mortgage types and products.

Generally offers good rates and charges reasonable fees.

Doesn't offer home improvement loans, such as FHA 203(k) and HomeStyle.

You have to speak with a home loan adviser to complete the application.

Offers an ITIN qualification path for undocumented borrowers.

Has a digital application process.

Offers several mortgage options for low- to moderate-income borrowers.

Borrowers can qualify with income from self-employment and other nontraditional sources.

No mortgage rates published online.

No home equity loans or lines of credit.

Generally has higher rates and fees than other lenders.

Branch offices not available in all states.

Full online application includes document uploads and automated loan updates.

Offers a "float-down" interest rate lock.

Offers a proprietary closing-cost assistance program.

No online mortgage rates — you have to contact the lender for info.

Doesn't offer home equity products.

Offers a wide range of loan types and products, including FHA, VA and USDA.

Has a full suite of online conveniences.

Does well with rate transparency, and monthly payment estimates add mortgage insurance, when applicable.

Home equity lending is geographically limited.

Offers a wide range of affordable mortgage products designed for military members.

Has an online application for preapproval.

Offers low rates compared with most lenders.

Website does not provide customized mortgage rates based on credit score or other factors before you apply.

Credit union membership is limited to veterans and current military members, their families, and certain federal employees, retirees and contractors.

Provides numerous online conveniences, including loan application and process updates.

Current rates clearly posted for various loan products.

Offers a wide variety of loan types and products.

New applications for home equity lines of credit suspended during COVID-19 crisis.

Government actions and scandals have damaged consumer trust in recent years.