Choosing the right mortgage company can be a daunting task. With so many options available, it’s important to select a company that offers the best interest rates, excellent customer service, and a variety of loan options that match your needs. Below, we’ve compiled a list of the top 50 mortgage companies in the USA, highlighting their features, services, and what sets them apart.
1. Rocket Mortgage (Quicken Loans)
Rocket Mortgage, formerly Quicken Loans, is one of the largest online mortgage lenders in the U.S. Known for its streamlined and digital-first process, Rocket Mortgage makes the home loan process as easy as possible.
Key Features:
- Easy-to-use online platform
- Offers a wide variety of loan types
- Fast approval times
2. Wells Fargo
Wells Fargo is one of the most well-established financial institutions in the U.S., offering a wide range of mortgage options. Their personalized approach helps customers find the right loan for their needs.
Key Features:
- Fixed-rate and adjustable-rate mortgages
- Online application and document submission
- Access to a network of branch locations
3. Bank of America
Bank of America offers both in-person and online mortgage services. Their broad selection of loan types and competitive rates make them a strong contender in the mortgage industry.
Key Features:
- Online and in-person mortgage services
- Low down payment options
- Special programs for first-time homebuyers
4. U.S. Bank
U.S. Bank provides a wide range of mortgage options and is known for its commitment to customer service. They also offer a variety of tools to help first-time homebuyers navigate the process.
Key Features:
- Extensive online resources and tools
- Various loan types, including VA loans
- Competitive rates for well-qualified borrowers
5. Chase
Chase, a subsidiary of JPMorgan Chase, offers an array of mortgage products, including fixed-rate, adjustable-rate, and jumbo loans. Their digital experience and extensive branch network provide convenience for borrowers.
Key Features:
- Large network of branches and ATMs
- Special programs for existing Chase customers
- Excellent customer service
6. LoanDepot
LoanDepot is a nationwide mortgage lender that is known for its competitive rates and user-friendly online platform. The company offers a range of loan products to suit different types of borrowers.
Key Features:
- Wide variety of loan products
- Streamlined online process
- Competitive rates
7. Caliber Home Loans
Caliber Home Loans is a full-service mortgage lender that offers a wide range of loan products, including VA, FHA, and conventional loans. Their dedicated loan officers provide personalized guidance throughout the process.
Key Features:
- Personalized customer service
- Specializes in VA and FHA loans
- Provides loan options for all credit scores
8. Guaranteed Rate
Guaranteed Rate is known for its digital mortgage experience. The company’s easy-to-use tools and comprehensive loan options make it an attractive choice for homebuyers.
Key Features:
- Digital-first experience
- Competitive rates and low fees
- Provides loans for first-time homebuyers
9. SoFi
SoFi offers a variety of financial products, including home loans. With a focus on millennials, SoFi aims to make the home buying process easier through its user-friendly app and straightforward offerings.
Key Features:
- Digital platform for easy loan management
- Competitive rates and low fees
- Specializes in home purchase loans and refinancing
10. Better.com
Better.com is an online mortgage lender that promises a faster and more transparent mortgage process. They eliminate the traditional commission structure to provide better rates to borrowers.
Key Features:
- No commissions, which lowers costs for borrowers
- Completely online application process
- Fast approval times
Table: Mortgage Lender Comparison
| Company Name | Loan Types | Best For | Unique Feature |
|---|---|---|---|
| Rocket Mortgage | Fixed, Adjustable, FHA, VA, Jumbo | Fast, Online Application | Fully digital application process |
| Wells Fargo | Fixed, Adjustable, FHA, VA, Jumbo | Personalized Service | Access to physical branches |
| Bank of America | Fixed, Adjustable, FHA, VA, Jumbo | First-time Homebuyers | Special programs for new buyers |
| U.S. Bank | Fixed, Adjustable, FHA, VA, Jumbo | Competitive Rates | Excellent customer service |
| Chase | Fixed, Adjustable, FHA, VA, Jumbo | Existing Customers | Large branch network |
| LoanDepot | Fixed, Adjustable, FHA, VA, Jumbo | Online Platform | Wide variety of loan options |
| Caliber Home Loans | Fixed, Adjustable, FHA, VA, Jumbo | Veterans and First-time Buyers | Personalized loan officer assistance |
| Guaranteed Rate | Fixed, Adjustable, FHA, VA, Jumbo | Digital Experience | Low fees and competitive rates |
| SoFi | Fixed, Adjustable, FHA, VA | Millennial Homebuyers | Specializes in first-time buyers |
| Better.com | Fixed, Adjustable, FHA, VA | Fast, Transparent Process | No commissions on loans |
11. Flagstar Bank
Flagstar Bank offers a variety of mortgage products with a focus on competitive rates. They offer both fixed-rate and adjustable-rate mortgages, along with refinancing options.
Key Features:
- Competitive rates for well-qualified borrowers
- Offers FHA and VA loans
- Comprehensive refinancing options
12. New American Funding
New American Funding is a top mortgage lender offering a wide variety of loan options. They focus on providing personalized service to help borrowers find the best mortgage for their needs.
Key Features:
- Wide selection of loan products
- Specializes in home purchase and refinancing
- Offers competitive rates and low fees
13. Movement Mortgage
Movement Mortgage is known for its rapid closing times and excellent customer service. They offer a variety of loan products, including conventional, FHA, and VA loans.
Key Features:
- Fast closing times
- Wide variety of loan options
- Strong reputation for customer service
14. PrimeLending
PrimeLending offers a wide array of loan products, with a focus on first-time homebuyers and refinancing. They are known for their professional service and streamlined application process.
Key Features:
- Personalized service from loan officers
- FHA, VA, conventional, and USDA loans
- A fast and straightforward application process
15. PNC Bank
PNC Bank offers various mortgage products, including FHA, VA, and conventional loans. Known for their exceptional customer service, they also offer helpful tools to make the process easier for borrowers.
Key Features:
- Large network of branches
- Offers low down payment options
- Online and in-person services
16-50: Additional Top Mortgage Companies
The following mortgage companies also offer great services for homebuyers:
- PennyMac
- Guild Mortgage
- Rocket Mortgage by Quicken Loans
- Citizens Bank
- Homebridge Financial Services
- Apex Home Loans
- AmeriSave Mortgage
- Academy Mortgage
- LoanSimple
- RoundPoint Mortgage
- The Money Source
- Total Mortgage Services
- Fairway Independent Mortgage
- CrossCountry Mortgage
- EverBank
- American Financing
- SunTrust Mortgage (now Truist)
- KeyBank
- BB&T (now Truist)
- Sierra Pacific Mortgage
- Vanderbilt Mortgage
- PHH Mortgage
- Seacoast Bank
- M&T Bank
- Stearns Lending
- Inlanta Mortgage
- Direct Lending
- LendUS
- USDA Rural Development
- Wyndham Capital Mortgage
- First Horizon Mortgage
- InterLinc Mortgage Services
- OneMain Financial
- Prime Meridian Bank
- HomeStreet Bank
