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 | ChaseChase Home Lending | Best first-time grants | Up to $7,500 homebuyer grant | 8.9/10 | |
| 3 | PennyMacPennyMac Mortgage | Best FHA lender | Largest FHA lender | 8.7/10 | |
| 4 | BetterBetter Mortgage | Best online experience | Fully online, no lender fees | 8.6/10 | |
| 5 | CrossCountry MortgageCrossCountry Mortgage | Best for refinancing | Low credit-score options, fast close | 8.6/10 | |
| 6 | Guild MortgageGuild Mortgage | Best for flexible credit | Flexible credit for government loans | 8.5/10 |
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 | ChaseChase Home Lending | Best first-time grants | Up to $7,500 homebuyer grant | 8.9/10 | |
| 3 | Guild MortgageGuild Mortgage | Best for flexible credit | Flexible credit for government loans | 8.5/10 | |
| 4 | U.S. BankU.S. Bank Mortgage | Best for bank customers | Relationship discounts | 8.4/10 | |
| 5 | New American FundingNew American Funding | Best for underserved borrowers | Flexible, government-loan focus | 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 | PennyMacPennyMac Mortgage | Best FHA lender | Largest FHA lender | 8.7/10 | |
| 3 | BetterBetter Mortgage | Best online experience | Fully online, no lender fees | 8.6/10 | |
| 4 | CrossCountry MortgageCrossCountry Mortgage | Best for refinancing | Low credit-score options, fast close | 8.6/10 | |
| 5 | U.S. BankU.S. Bank Mortgage | 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 | PennyMacPennyMac Mortgage | Best FHA lender | Largest FHA lender | 8.7/10 | |
| 3 | CrossCountry MortgageCrossCountry Mortgage | Best for refinancing | Low credit-score options, fast close | 8.6/10 | |
| 4 | Guild MortgageGuild Mortgage | Best for flexible credit | Flexible credit for government loans | 8.5/10 | |
| 5 | New American FundingNew American Funding | Best for underserved borrowers | Flexible, government-loan focus | 8.3/10 |