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HomeLend Mortgage Review 2023

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At a glance

HomeLend Mortgage

NMLS: 138075

State License: MC-5650


Rating: 4.1 stars out of 5
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Bankrate Score

Mortgage Percent

Loans offered

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


Nationwide Availability

Available in California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Massachusetts, Michigan, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia and Washington

Credit Good

Min. credit score required


Pros and cons

Checkmark Pros

  • No lender fees
  • Preapprovals in 15 minutes
  • A+ rating from the Better Business Bureau and exceptional reviews from past customers

Close X Cons

  • Only available in 23 states
  • Doesn’t display rates online (must share personal info for a custom rate quote)
  • No USDA loans or home equity products

HomeLend Mortgage overview

HomeLend Mortgage is the consumer direct company owned by New Jersey-based Kwik Mortgage. The lender has helped more than 10,000 borrowers with more than $4 billion in mortgages since its founding in 1998. HomeLend Mortgage specializes in offering an entirely digital experience, with an online portal borrowers can use to track their applications, e-sign and more.

HomeLend Mortgage is good for

Borrowers who want a completely digital mortgage experience and a fast closing process

Breakdown of HomeLend Mortgage overall score

  • Affordability: HomeLend Mortgage doesn’t charge lender fees, which could save you some money at closing.

  • Availability: HomeLend works with borrowers in the most populated states, but it’s not available in all states. It has a diverse set of loan offerings for different kinds of borrowers.

  • Borrower experience: If you qualify, you can get a preapproval in 15 minutes from this lender.


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: 3/5

HomeLend Mortgage doesn’t charge any lender fees. It doesn’t publicly display its rates online; however, you can complete a custom rate quote form with information about your credit score, employment status and other factors to get a personalized estimate of your borrowing costs.

Availability: 5/5

HomeLend Mortgage operates in about half of U.S. states, including California, Florida, New York and Texas. The lender provides conventional loans as well as some government-insured loans (FHA and VA), along with refinancing should rates drop. It also offers jumbo loans.

Borrower experience: 4.5/5

HomeLend Mortgage has been in business for more than 20 years. The lender is accredited by the Better Business Bureau and has an A+ rating from the organization.

You can submit a request for a custom rate quote on HomeLend’s website to get an estimate of your mortgage costs, and you can apply for your loan online, too. The lender typically issues preapprovals in 15 minutes. You can lock your rate, sync your bank accounts, upload documents and sign them electronically via the lender’s portal, as well. There’s also a calculator to help estimate your monthly payments.

Refinancing with HomeLend Mortgage

You can refinance your current mortgage with HomeLend through a rate-and-term refinance, or you can tap your home’s equity with a cash-out refinance. The lender’s website doesn’t offer much information about refinancing options, but you can get a custom rate quote. As with purchase, there are no lender fees for refinancing.

Alternatives to HomeLend Mortgage

HomeLend Mortgage consumer reviews


NMLS: 138075

State License: MC-5650


Rating: 4.8 stars out of 5

114 reviews

5 stars
4 stars
3 stars
2 stars
1 stars

About consumer ratings

Customer service rating

Rating: 4.9 stars out of 5
Level of service
Rating: 4.8 stars out of 5
Rating: 4.9 stars out of 5
Rating: 4.8 stars out of 5

97% of reviews would recommend this lender

10 of 10 rates honored

Review this lender

Write a review of your experience with HomeLend Mortgage.

of 12 reviews

The consumer reviews posted on ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.

To help serve you with relevant information the consumer reviews shown below are limited to only those that this advertiser has received during the past 12 months.

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Written by

David McMillin

Contributing writer

David McMillin is a contributing writer for Bankrate and covers topics like credit cards, mortgages, banking, taxes and travel. David’s goal is to help readers figure out how to save more and stress less.

Edited by

Suzanne De Vita

Arrow Right

Mortgage editor