Your mortgage lender, rated against thousands of others.
See how over 1,900 mortgage lenders compare on pricing, complaints, and more before you sign.
Ratings are based on data, not payments. Lenders cannot pay to rank higher.
Read full methodology
Lenders rated on pricing, complaints, and lending reach
Mortgages made by the lenders we rate, 2022–2025
Of ratings history, 2022–2025
The work behind the number
Our ratings tell you what your lender won't
Choosing your mortgage lender is one of the most important decisions you'll make as a homeowner. It determines what you'll pay in interest and the service you'll get as you navigate the process. But lenders won't tell you if their price is competitive or how they'll treat you. Our ratings will.
We rated 1,962 lenders, accounting for 87% of mortgages originated from 2022 through 2025, so there's a good chance the one you're considering is on our list. You'll see one of two ratings: a Bankrate Rating, based on the loan offers lenders make in our auction, and an Overall Rating, based on the loans a lender made nationwide.
Both ratings come down to cost and service: what the lender charges, and how it treats borrowers.
Marketplace lenders
Rated on how this lender's auction bid on Bankrate compares to the cheapest offer in the same auction.
All other rated lenders
Each lender is rated on pricing, complaints, and more — benchmarked against more than 1,900 lenders nationally and millions of mortgages.
Exclusive to Bankrate
What every lender profile shows you
Price competitiveness
How often a lender's borrowers pay more than the best available price for a comparable loan, nearly always identified through Bankrate's auction.
Amount of overpayment
This score shows the share of comparable lenders that charged borrowers more in added costs than this lender did.
Customer complaints
How often consumers complain about a lender, and whether they get relief.
Where and what they lend
How many states a lender serves, and how many loan types it offers.
A unique-to-Bankrate lender rating
You come away with a look at how likely this lender is to give you a competitive offer. Only Bankrate has the competition data to give you this insight.
What the research shows
When 5-star lenders are rare, you pay the price
Price carries the most weight in this score, which is why 31 of the 33 lenders competing on Bankrate's marketplace currently earn 4 stars or higher. To win business there, lenders have to offer among the lowest prices when competing in Bankrate's auction.
of rated lenders are 5-star overall, even as the rated population shifted from 2,580 to 1,962 lenders.
How it works
See how your lender compares
Lenders have no say in their ratings, and they can't pay for a higher one. We gather data on more than 1,900 lenders, score each one on cost and service, and combine those scores into a single rating you can compare. Here's how it works.
We gather the data
Our ratings draw on government-mandated lender disclosures, consumer complaints and enforcement actions from federal regulators, and Bankrate's proprietary rate auction results. Only lenders with enough reliable data to judge fairly make the list.
We score every lender
Cost refers to what prices borrowers are offered and what fees they'll pay. Service refers to how borrowers are treated, based on borrower complaints and regulatory records. We combine these scores into a single rating.
You search and compare
Look up any lender to see its rating, then compare it against others you're considering. Higher ratings point to lower costs and better service.
See the full picture for free
Join for free to unlock the detailed pricing breakdown behind any lender's rating.
Ratings are based on data, not payments. Lenders cannot pay to rank higher.
Read full methodology