Curated rankings
Best Mortgages of 2026
Every mortgages ranking we keep, in one place. Scored on price, service, and the fine print, not on how much the partner pays us.
Ranking
Best Mortgage Lenders of 2026
Our top-rated mortgage lenders, scored on rates, fees, and service.
| Rank | Company | Best for | Key stat | Score | Apply |
|---|---|---|---|---|---|
| 1 | Rocket MortgageRocket Mortgage | Best overall lender | ONE+ 1% down option | 9.3/10 | |
| 2 | ChaseHome Lending | Best first-time grants | Up to $5,000 homebuyer grant | 8.9/10 | |
| 3 | PennyMacMortgage | Best FHA lender | Largest FHA lender | 8.7/10 | |
| 4 | CrossCountry MortgageCrossCountry Mortgage | Best for refinancing | Low credit-score options, 21-day average close | 8.6/10 | |
| 5 | Guild MortgageGuild Mortgage | Best for flexible credit | 1% Down program; 600 minimum score | 8.5/10 | |
| 6 | BetterMortgage | Best online experience | Up to $10,000 closing credit with a Better Real Estate agent | 8.4/10 |
Ranking
Best Mortgage Lenders for First-Time Buyers
Lenders with low-down-payment programs and first-timer support.
| Rank | Company | Best for | Key stat | Score | Apply |
|---|---|---|---|---|---|
| 1 | Rocket MortgageRocket Mortgage | Best overall lender | ONE+ 1% down option | 9.3/10 | |
| 2 | ChaseHome Lending | Best first-time grants | Up to $5,000 homebuyer grant | 8.9/10 | |
| 3 | Guild MortgageGuild Mortgage | Best for flexible credit | 1% Down program; 600 minimum score | 8.5/10 | |
| 4 | U.S. BankMortgage | Best for bank customers | Relationship discounts | 8.4/10 | |
| 5 | New American FundingNew American Funding | Best for underserved borrowers | Up to $6,000 first-time buyer assistance | 8.3/10 |
Ranking
Best Refinance Lenders
Top lenders for lowering your rate or tapping equity.
| Rank | Company | Best for | Key stat | Score | Apply |
|---|---|---|---|---|---|
| 1 | Rocket MortgageRocket Mortgage | Best overall lender | ONE+ 1% down option | 9.3/10 | |
| 2 | PennyMacMortgage | Best FHA lender | Largest FHA lender | 8.7/10 | |
| 3 | CrossCountry MortgageCrossCountry Mortgage | Best for refinancing | Low credit-score options, 21-day average close | 8.6/10 | |
| 4 | BetterMortgage | Best online experience | Up to $10,000 closing credit with a Better Real Estate agent | 8.4/10 | |
| 5 | U.S. BankMortgage | Best for bank customers | Relationship discounts | 8.4/10 |
Ranking
Best Mortgage Lenders for Bad Credit
Lenders with FHA and flexible-credit options.
| Rank | Company | Best for | Key stat | Score | Apply |
|---|---|---|---|---|---|
| 1 | Rocket MortgageRocket Mortgage | Best overall lender | ONE+ 1% down option | 9.3/10 | |
| 2 | PennyMacMortgage | Best FHA lender | Largest FHA lender | 8.7/10 | |
| 3 | CrossCountry MortgageCrossCountry Mortgage | Best for refinancing | Low credit-score options, 21-day average close | 8.6/10 | |
| 4 | Guild MortgageGuild Mortgage | Best for flexible credit | 1% Down program; 600 minimum score | 8.5/10 | |
| 5 | New American FundingNew American Funding | Best for underserved borrowers | Up to $6,000 first-time buyer assistance | 8.3/10 |