Best Mortgage Refinance Lenders of 2026
We analyzed 52K reviews across Google, Trustpilot, Yelp, and Reddit to rank the top mortgage refinance.
13
Providers reviewed
52K
Total reviews analyzed
July 2026
Last updated
The best mortgage refinance of 2026
Get personalized offers →- 1NF
New American Funding
4.9Our scorePlatform Rating Reviews Google ★ 4.9 7.9K View Total ★ 4.9 7.9K 💬 What Reddit says about New American Funding- Is New American Funding bad? : r/Mortgagesr/Mortgages
- Has Anyone Used New American Funding for their ...r/personalfinance
- New American funding 😡 : r/Mortgagesr/Mortgages
✦ AI InsightFamily-owned lender known for serving diverse borrowers.Visit New American Funding →7.9K verified reviews - 2NF
New American Funding
4.9Our scorePlatform Rating Reviews Google ★ 4.9 7.9K View Total ★ 4.9 7.9K 💬 What Reddit says about New American Funding- Is New American Funding bad? : r/Mortgagesr/Mortgages
- Has Anyone Used New American Funding for their ...r/personalfinance
- New American Funding : r/Mortgagesr/Mortgages
✦ AI InsightFamily-owned direct mortgage lender known for serving diverse borrowers with customized refinance solutions.Visit New American Funding →7.9K verified reviews - 3
Better Mortgage
4.9Our score💬 What Reddit says about Better Mortgage- Better Mortgage vs Others : r/RealEstater/RealEstate
- Better Moetgage : r/Mortgagesr/Mortgages
- Has anyone used Better Mortgage as their home loan ...r/FirstTimeHomeBuyer
✦ AI Insight100% online, no commission fees, and one of the fastest closing timelines in the industry.Visit Better Mortgage →0 verified reviews - 4
Better Mortgage
4.9Our score💬 What Reddit says about Better Mortgage- Better Mortgage vs Others : r/RealEstater/RealEstate
- Better Moetgage : r/Mortgagesr/Mortgages
- Has anyone used Better Mortgage as their home loan ...r/FirstTimeHomeBuyer
✦ AI Insight100% online, no commission fees, and one of the fastest closing timelines in the industry.Visit Better Mortgage →0 verified reviews - 5
Credible
4.8Our score💬 What Reddit says about Credible✦ AI InsightCompare prequalified mortgage refinance rates from multiple lenders in 3 minutes without affecting your credit score.Visit Credible →9.6K verified reviews - 6
Rocket Mortgage
4.6Our score✦ AI InsightAmerica's largest mortgage lender with a fully digital application and approval in minutes.Visit Rocket Mortgage →0 verified reviews - 7
Rocket Mortgage
4.6Our score✦ AI InsightAmerica's largest mortgage lender with a fully digital application and approval in minutes.Visit Rocket Mortgage →0 verified reviews - 8
LendingTree
4.5Our scorePlatform Rating Reviews Google ★ 4.5 17K View Total ★ 4.5 17K 💬 What Reddit says about LendingTree- LendingTree - I feel like an idiot : r/personalfinancer/personalfinance
- Anyone have experience with LendingTree? Trying to ...r/loansharks
- Lending Tree warning : r/personalfinancer/personalfinance
✦ AI InsightAmerica's largest online lending marketplace. Get matched with up to 5 lenders and compare refinance offers side-by-side.Visit LendingTree →17K verified reviews - 9
LoanDepot
4.0Our scorePlatform Rating Reviews Google ★ 4.0 4.6K View Total ★ 4.0 4.6K 💬 What Reddit says about LoanDepot- Seeking advice on using LoanDepot as a lenderr/FirstTimeHomeBuyer
- Bait and Switch? Loan Depot : r/Mortgagesr/Mortgages
- Experience with Loan Depot? Why do they have such ...r/RealEstate
✦ AI InsightOne of the nation's top non-bank lenders with competitive rates and a nationwide branch network.Visit LoanDepot →4.6K verified reviews - 10
LoanDepot
4.0Our score💬 What Reddit says about LoanDepot- Seeking advice on using LoanDepot as a lenderr/FirstTimeHomeBuyer
- Bait and Switch? Loan Depot : r/Mortgagesr/Mortgages
- Experience with Loan Depot? Why do they have such ...r/RealEstate
✦ AI InsightOne of the nation's top non-bank lenders with competitive rates and a nationwide branch network.Visit LoanDepot →4.6K verified reviews - 11
National Mortgage Home Loans
3.0Our scorePlatform Rating Reviews Google ★ 3.0 2 View Total ★ 3.0 2 💬 What Reddit says about National Mortgage Home Loans- Pros and Cons of local vs. national lenders for home ...r/personalfinance
- Opinions on Rocket Mortgage : r/FirstTimeHomeBuyerr/FirstTimeHomeBuyer
- First National Mortgage - what's the catch?r/PersonalFinanceCanada
✦ AI InsightVerified mortgage lender with 4.9-star Google rating. Personalized guidance for purchase, refinance, and investment loans.Visit National Mortgage Home Loans →2 verified reviews - 12PE
Pennymac
2.7Our scorePlatform Rating Reviews Google ★ 2.7 402 View Total ★ 2.7 402 💬 What Reddit says about Pennymac- First time home buyer, questions about PENNYMAC as a ...r/Mortgages
- PennyMac just bought my mortgage, should I be concerned?r/personalfinance
- Anyone else have AWFUL experience with Pennymac?r/RealEstate
✦ AI InsightTop-rated mortgage servicer with competitive refinance rates.Visit Pennymac →402 verified reviews - 13GR
Guaranteed Rate
2.2Our scorePlatform Rating Reviews Google ★ 2.2 47 View Total ★ 2.2 47 💬 What Reddit says about Guaranteed Rate- How is GuaranteedRate as a mortgage lender? : r/RealEstater/RealEstate
- Didn't shop for rates now realized it's too high during ...r/personalfinance
- Guaranteed Rate : r/loanoriginatorsr/loanoriginators
✦ AI InsightAward-winning digital mortgage lender with fast closings.Visit Guaranteed Rate →47 verified reviews
Frequently asked questions
Is now a good time to refinance?
If current rates are 0.75%+ below your existing rate, refinancing usually pays for itself in 2–3 years. Our top-rated lenders offer free rate checks.
How much does refinancing cost?
Closing costs typically run 2–5% of the loan amount. Several top-rated lenders offer no-closing-cost refi options in exchange for a slightly higher rate.
What credit score do I need to refinance?
Top-rated lenders accept scores as low as 620 for conventional refis and 580 for FHA streamlines. The best rates go to 740+.
How long does a refinance take?
Top-rated lenders close refis in 21–30 days. Digital-first lenders on our list can close in as few as 15 days.
Can I refinance to take cash out?
Yes — cash-out refis let you tap home equity. Most top-rated lenders allow up to 80% loan-to-value on cash-out refinances.
