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eClick Lending Mortgage Review 2023

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At a glance

eClick Lending

NMLS: 227765

State License: MC-5920


Rating: 4.8 stars out of 5
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Bankrate Score

Mortgage Percent

Loans offered

Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; rate-and-term and cash-out refinancing; investment property


Nationwide Availability

Available in all U.S. states except New York

Credit Good

Min. credit score required

640 for conventional loans; 580 for FHA loans

Pros and cons

Checkmark Pros

  • Highly-rated borrower reviews
  • Offers quick closings (on average, 15 days)

Close X Cons

  • Doesn’t offer immediate online preapproval; you have to speak to a loan officer first
  • Slightly higher credit score requirement on conventional loans

eClick Lending overview

eClick Lending is an online-only mortgage lender headquartered in Oakbrook Terrace, Illinois, lending $1 billion to $2 billion per year. It is a division of Celebrity Home Loans LLC (formerly Midwest Equity Mortgage). The lender offers conventional and government loans and refinancing, and getting preapproved typically takes 24 hours or less, while closings for a purchase take 15 days, on average. If you’re a borrower who has already worked with the lender, there might be a discount on costs, depending on your financial situation and if you’re in good standing with your payments.

eClick Lending is good for

Borrowers looking for a competitive deal and quick closing

Breakdown of eClick Lending overall score

  • Affordability: eClick Lending’s rates are lower than Bankrate’s averages, and the lender updates offers daily on its website. It also provides discounts to repeat borrowers.
  • Availability: This lender works with borrowers in the majority of states, but its conventional credit score bar is slightly higher compared to the requirements of other lenders.
  • Borrower experience: eClick Lending boasts very high marks from customers on Bankrate.


To determine a mortgage lender’s Bankrate Score, Bankrate’s editorial team rates lenders on a scale of one to five stars based on a variety of factors relating to the lender’s products and services. Bankrate’s partners compensate us, but our opinions are our own, and partner relationships do not influence our reviews. Here is our full methodology.

Affordability: 5/5

eClick Lending displays mortgage rates on its website. If you’re interested in taking out a mortgage or refinancing through this lender, you can see current rates for a 15-year, 20-year, or 30-year fixed-rate loan. These offers are generally lower than Bankrate’s averages. While you’ll need to initiate contact with a loan officer to learn your all-in costs (including fees), you might be eligible for a discount if you’re a returning borrower.

Availability: 5/5

eClick Lending’s mortgage offerings include conventional and government-insured loans for both home purchases and refinances. It also works with borrowers in non-traditional circumstances, offering access to jumbo loans and mortgages for investment properties.

Borrower experience: 4.6/5

eClick Lending is a division of Celebrity Home Loans, which has an A+ rating from the Better Business Bureau, although it isn’t accredited by the organization. The lender has originated $5 billion in loans since founding.

If you work with eClick, expect a preapproval within 24 hours (assuming you’re eligible for a loan). While there aren’t a lot of resources available on the lender’s website, there is a handy mortgage calculator that can help you figure out how much home you might be able to afford.

If you have questions about a loan, eClick Lending is available Monday through Friday from 9 a.m. to 6 p.m. CT.

Refinancing with eClick Lending

You can refinance your current mortgage with eClick Lending. You can begin the process of comparing refinance rates on the lender’s website.

Alternatives to eClick Lending

eClick Lending consumer reviews


NMLS: 227765

State License: MC-5920


Rating: 5 stars out of 5

345 reviews

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About consumer ratings

Customer service rating

Rating: 5 stars out of 5
Level of service
Rating: 5 stars out of 5
Rating: 5 stars out of 5
Rating: 5 stars out of 5

100% of reviews would recommend this lender

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Written by

Jackie Lam

Contributing writer

Jackie Lam is a contributing writer for Bankrate. Jackie writes about auto loans.

Edited by

Suzanne De Vita

Arrow Right

Mortgage editor