Compare Mortgage Lenders (2026)
Side-by-side comparison of top mortgage lenders. Compare rates, fees, and features to find the best fit.
| Lender | Type | Rating | Avg. Rate | Min. Credit | Orig. Fee | Best For |
|---|---|---|---|---|---|---|
| Rocket Mortgage | Online | 4.6 | 6.90% | 620 | 0.5-1% | Speed and convenience |
| United Wholesale Mortgage | Wholesale | 4.4 | 6.80% | 620 | Varies by broker | Competitive rates |
| Wells Fargo | Bank | 4 | 6.95% | 620 | 0.5-1% | Existing customers |
| Chase Home Lending | Bank | 4.2 | 6.88% | 620 | 0.5-1% | Chase customers, jumbo loans |
| Better.com | Online | 4.3 | 6.82% | 620 | None | No-fee loans |
| Navy Federal Credit Union | Credit Union | 4.7 | 6.70% | 580 | 0-1% | Military members |
| loanDepot | Online | 4.1 | 6.85% | 620 | 0.5-1% | Digital experience |
| Guaranteed Rate | Online | 4.5 | 6.83% | 620 | 0.5-1% | Competitive rates |
Rocket Mortgage
4.6
Avg. Rate: 6.90%
Min. Credit: 620
Min. Down: 3%
Preapproval: Minutes
Notable: Largest online lender
United Wholesale Mortgage
4.4
Avg. Rate: 6.80%
Min. Credit: 620
Min. Down: 3%
Preapproval: 1-2 days
Notable: Broker-only, often lower rates
Wells Fargo
4
Avg. Rate: 6.95%
Min. Credit: 620
Min. Down: 3%
Preapproval: 1-3 days
Notable: Full banking relationship
Chase Home Lending
4.2
Avg. Rate: 6.88%
Min. Credit: 620
Min. Down: 3%
Preapproval: 1-2 days
Notable: $5,000 grant for purchase in LMI areas
Tips for Comparing Lenders
- Get Loan Estimates from at least 3-5 lenders and compare total costs, not just interest rates
- Look at APR (not just rate) for a true apples-to-apples cost comparison including fees
- Ask about rate lock periods — 30 days is standard but 45-60 may be needed
- Compare origination fees, points, and lender credits across offers
- Check if the lender offers your preferred loan type (FHA, VA, USDA, jumbo)
- Consider customer service quality — read reviews on closing speed and responsiveness
Rates and information are for illustrative purposes and may not reflect current offers. Always verify directly with lenders. MortgageCalcDB may receive compensation from listed partners.