HomeLend Mortgage Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores HomeLend Mortgage
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
5 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
Clean5 out of 5 - Where and what they lend
How many states and loan types this lender serves.
66%4 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. One of those two measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, at least 95% did, which might mean quoted terms held up, applicants were well qualified, or both.
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What Bankrate's editors think
HomeLend, a division of Kwik Mortgage, boasts no lender fees, a fully digital application and closings it says run about three weeks faster than the national average. The pricing holds up in the data — roughly two-thirds of its mortgages were priced below comparable loans in 2025, it charges less in added costs than roughly 80% of comparable lenders, and it closes more than 98% of the loans it approves, an asset if you’re trying to buy in a hot market. HomeLend also has zero CFPB complaints on record. With such competitive pricing and compelling data points, it earns a perfect 5-star Overall Rating and Bankrate Score.
If you’re looking for a variety of loan types, though, you may want to look elsewhere: HomeLend mainly sticks to the basics, with no USDA or specialty loans in its offerings list. It also has limited information online, making it harder to compare with other lenders. If you have solid credit and need a standard mortgage, HomeLend could fit the bill. But if you want upfront pricing or a hard-to-find loan, this lender won’t meet your needs.
At a glance
Good for borrowers who are looking for a basic loan at a low price. HomeLend can also be good for buyers in competitive markets, as it claims faster-than-average closing times. Not a good fit if you want a wide menu of loan programs or in-person guidance — HomeLend sticks to conventional, jumbo, FHA and VA loans only.
What consumers say
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Figures are drawn from public lending and complaint data and weighted by loan volume.
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