Compare America's leading home loan providers side-by-side across starting interest rates, minimum credit scores, down payment minimums, NMLS registration, and special features.
| Lender | YubScore™ | Starting Rate | Min Credit Score | Min Down Payment | Best For | Action |
|---|---|---|---|---|---|---|
|
Rocket Mortgage
NMLS #3030
|
9.7 / 10
★ 4.8
|
6.18% | 580 FICO | 3% | Borrowers wanting America's most refined 100% online mortgage application with 24/7 client portal | View Rates ➔ |
|
Better Mortgage
NMLS #330511
|
9.6 / 10
★ 4.7
|
5.99% | 620 FICO | 3% | Borrowers looking to eliminate origination, application, and underwriting fees to save thousands at closing | View Rates ➔ |
|
LendingTree
NMLS #1136
|
9.5 / 10
★ 4.6
|
5.85% | 500 FICO | 0% - 3% | Shopping up to 5 competing loan offers simultaneously to force lenders to bid down interest rates | View Rates ➔ |
|
loanDepot
NMLS #174457
|
9.4 / 10
★ 4.6
|
6.22% | 580 FICO | 3% | Homeowners planning to refinance multiple times as interest rates drop over coming years | View Rates ➔ |
|
Chase Home Lending
NMLS #399798
|
9.3 / 10
★ 4.6
|
6.29% | 620 FICO | 3% | Existing Chase checking, savings, or Sapphire clients seeking up to 0.50% rate discounts | View Rates ➔ |
|
Guaranteed Rate
NMLS #2611
|
9.4 / 10
★ 4.7
|
6.15% | 600 FICO | 3% | Buyers in competitive bidding wars who need lightning-fast loan approvals and FlashClose closing in minutes | View Rates ➔ |
