Top mortgage companies

The best mortgage lender isn't the same for everyone. That's why we compiled a list of best mortgage lenders for first time home buyers to those looking for their second home.
Whether you are buying a new home or refinancing we have the best mortgage lender for you.

The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This table does not include all companies or all available products. Bankrate does not endorse or recommend any companies.

Daily national rates

Our top picks

About the lender

Sebonic Financial is a direct lender offering a quick, simple and affordable home financing experience. This (nearly) national lender — it's licensed in every state but Massachusetts — provides a full selection of purchase and refinance products, including conventional, jumbo, FHA, VA and USDA loans.

Getting a loan through Sebonic comes with some big perks. For example, it may accept credit scores as low as 620 for conventional loan financing and as low as 600 for FHA financing. Perhaps the largest benefit of using Sebonic is its proprietary technology, Octane.

The technology aims to make the loan process seamless for its customers. That means you can get real-time status updates on your application progress, easily upload documents via drag-and-drop capability, eSign on the platform and speed up the closing process overall. And since the technology minimizes costs, Sebonic is able to pass that savings on to you, the customer.

Consumer reviews
04/21/2018
Best Experience ever!
  • Catherine S.
  • |
  • Dallas, Tx
Rate was honored
04/17/2018
Wonderful Experience
  • T Miller
  • |
  • Springfield VA
Rate was honored
04/17/2018
Great Experience
  • Happy Camper
  • |
  • Texas
Rate was honored
04/17/2018
Great experience
  • Joel
  • |
  • Keyport, NJ
Rate was honored
04/17/2018
Great team at Sebonic Financial
  • Jonathan Higgins
  • |
  • Columbia, MO
Rate was honored
About the lender

Founded in 2013, LendingHome has quickly become one of the largest mortgage marketplace lenders on the scene — and for good reason. This modern peer-to-peer lender offers speed and transparency during the mortgage process for borrowers and investors alike. It currently has a range of purchase and refinance products available in a number of states.

As a member of the Forbes FinTech 50, LendingHome provides a mortgage lending experience that differs greatly from the traditional process. For example, its proprietary technology allows for the mortgage process to be done completely online. That eliminates paper trails and speeds up the time it takes for you to get to closing.

Since loan origination is less expensive for LendingHome as an online platform, the company is able to pass on that savings to you in the form of lower rates and fees. Customer service is a priority for LendingHome as well. It offers support for questions or concerns anytime you need it via phone, email or text.

Consumer reviews
9/27/2017
Excellent Systems and Experience.
  • Byron
  • |
  • Phoenix, AZ
Rate was honored
9/8/2017
Awesome company to refinance with
  • RG
  • |
  • Phoenix, AZ
Rate was honored
6/14/2017
Great online experience; expensive loan
  • Vegas Guy
  • |
  • Las Vegas, NV
Rate was honored
6/8/2017
Great experience
  • Hetal
  • |
  • Alpharetta, GA
Rate was honored
3/4/2017
Awesome mortgage lender!
  • Kelly
  • |
  • OREGON
Rate was honored
About the lender

ConsumerDirect is an online lender that provides low-cost home financing solutions to homeowners. Licensed in every state but Maryland, it has a full range of mortgage products to choose from, including conventional, jumbo, super jumbo, FHA, VA and USDA loans for purchase and refinance. The terms range from five to 30 years in fixed-rate and adjustable-rate options.

While there are a number of benefits to using ConsumerDirect for a mortgage, it stands out for the useful and free tools it makes available to prospective customers. On the lender's site, you'll find a home purchase qualifier, refinance rate checker, preapproval letter template, refinance analysis and a full guide on how to get a loan.

More than anything, ConsumerDirect strives to provide an affordable and efficient mortgage process. Using automation and leading technology for processing, underwriting and closing loans, ConsumerDirect is able to deliver fast quotes, low rates and solid customer service.

Our services include
  • Better business bureau accredited
  • Low fees
  • National lender
  • Government loans available
Consumer reviews
04/23/2018
Delivered on what was asked
  • Josh
  • |
  • Fort Collins, CO
Rate was honored
04/21/2018
Great Experience
  • Deepa R
  • |
  • NJ
Rate was honored
04/20/2018
Quick and easy! Truly a great experience.
  • Patricia F.
  • |
  • Upstate NY
Rate was honored
04/19/2018
Easy ride with Consumer Direct
  • Bertrand
  • |
  • Harrison, NY
Rate was honored
04/18/2018
Best Mortgage Experience Ever!
  • SStowe
  • |
  • Jackson, MO
Rate was honored
About the lender

In addition to offering a range of financial products as an online bank, Ally provides a safe and affordable way to finance or refinance a home. As a national lender with a big reputation, its menu of home loan products includes fixed- and adjustable-rate mortgages in various terms. So, no matter where you live, Ally likely has a conventional home financing solution for you.

There are some major upsides to getting a loan through Ally, especially if you're a first-time buyer with limited funds. The company has access to Fannie Mae's HomeReady mortgage program. You'll find down payment requirements as low as 3 percent along with 25-year or 30-year fixed-rate terms.

Ally also recently started touting its Price Match Guarantee. If you find a lender offering a better loan estimate, Ally will match it when you get ready to lock in your rate. That helps ensure you get the best deal possible. And since Ally is based online, you'll have access to a dedicated support team anytime you need it, without having to walk into a brick -and-mortar location.

Our services include
  • National lender
  • Equal housing lender
Consumer reviews
04/18/2018
Really good experience
  • BK
  • |
  • NJ
Rate was honored
02/15/2018
Great Experiance
  • Ted and Michelle Wristen
  • |
  • Center, TX
Rate was honored
11/02/2017
Ally: Outstanding mortgage service
  • Ram
  • |
  • California
Rate was honored
10/11/2017
Ally Makes It Easy
  • Patrick & Ann Cummings
  • |
  • Knoxville
Rate was honored
About the lender

OneWest Bank offers customized home financing solutions to consumers. That's in addition to its wide array of deposit products. This division of CIT Bank has retail branches throughout Southern California, providing customers the ability to visit a brick-and-mortar location and conduct business online. And it has a host of mortgage products, including conforming loans, jumbo loans and super jumbo loans for purchase or refinance in fixed- and adjustable-rate terms.

You'll get some nice perks when you finance or refinance a home through OneWest. The bank tailors its home loans to meet the financial needs of its customers. So, whether you need an interest-only payment option or a fully amortizing loan, OneWest has you covered. Affordability is also one of the lender's strong suits. Low down payment options, competitive rates and personalized banking make OneWest a major contender in the mortgage lender market.

Our services include
  • Local Lender
  • Equal Housing Lender
Consumer reviews
04/14/2018
Pleased with our loan experience
  • Michelle
  • |
  • Corona, CA
Rate was honored
04/12/2018
Seamless and Low Stress
  • Lillian
  • |
  • Rossmoor, CA
Rate was honored
04/06/2018
Amazing Rate and experience!
  • Barbara V.
  • |
  • Southern CA
Rate was honored
04/05/2018
Great company and an even greater rate
  • Stephen Shafer
  • |
  • San Diego, CA
Rate was honored
04/03/2018
Easy and met our very fast deadline
  • Anne
  • |
  • San Jose
Rate was honored