Best Mortgage Refinance Lenders of 2026
We analyzed 0 reviews across Google, Trustpilot, Yelp, and Reddit to rank the top mortgage refinance.
The best mortgage refinance of 2026
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Better Mortgage
4.9Our score✦ AI Insight100% online, no commission fees, and one of the fastest closing timelines in the industry.Visit Better Mortgage →0 verified reviews - 2
Better Mortgage
4.9Our score✦ AI Insight100% online, no commission fees, and one of the fastest closing timelines in the industry.Visit Better Mortgage →0 verified reviews - 3
Credible
4.8Our score✦ AI InsightCompare prequalified mortgage refinance rates from multiple lenders in 3 minutes without affecting your credit score.Visit Credible →0 verified reviews - 4NF
New American Funding
4.7Our score✦ AI InsightFamily-owned direct mortgage lender known for serving diverse borrowers with customized refinance solutions.Visit New American Funding →0 verified reviews - 5NF
New American Funding
4.7Our score✦ AI InsightFamily-owned lender known for serving diverse borrowers.Visit New American Funding →0 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 0 ✦ AI InsightAmerica's largest online lending marketplace. Get matched with up to 5 lenders and compare refinance offers side-by-side.Visit LendingTree →0 verified reviews - 9
LoanDepot
4.3Our score✦ AI InsightOne of the nation's top non-bank lenders with competitive rates and a nationwide branch network.Visit LoanDepot →0 verified reviews - 10
LoanDepot
4.1Our score✦ AI InsightOne of the nation's top non-bank lenders with competitive rates and a nationwide branch network.Visit LoanDepot →0 verified reviews - 11PE
Pennymac
2.7Our scorePlatform Rating Reviews Google ★ 2.7 400 View Total ★ 2.7 0 ✦ AI InsightTop-rated mortgage servicer with competitive refinance rates.Visit Pennymac →0 verified reviews - 12GR
Guaranteed Rate
2.6Our scorePlatform Rating Reviews Google ★ 2.6 46 View Total ★ 2.6 0 ✦ AI InsightAward-winning digital mortgage lender with fast closings.Visit Guaranteed Rate →0 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.
