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Mortgage Lender Reviews

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Overview of Mortgage Lenders in the United States

One of the most complicated decisions homebuyers make concerning their home mortgage is which lender to choose. See below to learn about the different mortgage lenders, their loan offerings, which states they operate in, and everything else you may need to pick the best mortgage company.

Mortgage Lender Loan Volume Types of Loans Offered Online Application National Coverage Minimum Credit Score More Information
$140 billion
  • Standard loan types*
  • FHA, VA
  • Jumbo, new construction, renovation
No Originates loans in all 50 states 620

Online Application

No

National Coverage

Originates loans in all 50 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types*
  • FHA, VA
  • Jumbo, new construction, renovation

Online Application

No

National Coverage

Originates loans in all 50 states

Minimum Credit Score

620
$82 billion
  • Standard loan types*
  • FHA, VA, Harp
Yes Originates loans in all 50 states 620

Online Application

Yes

National Coverage

Originates loans in all 50 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types*
  • FHA, VA, Harp

Online Application

Yes

National Coverage

Originates loans in all 50 states

Minimum Credit Score

620
$74 billion
  • Standard loan types*
  • FHA, VA
  • Jumbo, new construction, renovation
Yes Originates loans in all 50 states 620

Online Application

Yes

National Coverage

Originates loans in all 50 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types*
  • FHA, VA
  • Jumbo, new construction, renovation

Online Application

Yes

National Coverage

Originates loans in all 50 states

Minimum Credit Score

620
$74 billion
  • Standard loan types*
  • FHA, VA, HARP
  • Jumbo
Yes Originates loans in all 50 states 580

Online Application

Yes

National Coverage

Originates loans in all 50 states

Minimum Credit Score

580

Types of Loans Offered

  • Standard loan types*
  • FHA, VA, HARP
  • Jumbo

Online Application

Yes

National Coverage

Originates loans in all 50 states

Minimum Credit Score

580
$56 billion
  • Standard loan types*
  • FHA, VA, Low Downpayment
  • Jumbo
Yes Originates loans in all 50 states 600

Online Application

Yes

National Coverage

Originates loans in all 50 states

Minimum Credit Score

600

Types of Loans Offered

  • Standard loan types*
  • FHA, VA, Low Downpayment
  • Jumbo

Online Application

Yes

National Coverage

Originates loans in all 50 states

Minimum Credit Score

600
$29 billion
  • Standard loan types*
  • FHA, VA
  • Low income options
Yes Originates loans in all 50 states 620

Online Application

Yes

National Coverage

Originates loans in all 50 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types*
  • FHA, VA
  • Low income options

Online Application

Yes

National Coverage

Originates loans in all 50 states

Minimum Credit Score

620
$27 billion
  • Standard loan types*
  • FHA, VA
  • Jumbo, new construction
Yes Originates loans in all 50 states 620

Online Application

Yes

National Coverage

Originates loans in all 50 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types*
  • FHA, VA
  • Jumbo, new construction

Online Application

Yes

National Coverage

Originates loans in all 50 states

Minimum Credit Score

620
$21 billion
  • Standard loan types*
  • FHA, VA, harp
  • Jumbo
No Originates loans in 49 states 620

Online Application

No

National Coverage

Originates loans in 49 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types*
  • FHA, VA, harp
  • Jumbo

Online Application

No

National Coverage

Originates loans in 49 states

Minimum Credit Score

620
$21 billion
  • Standard loan types*
  • FHA, VA
No Originates loans in all 50 states 620

Online Application

No

National Coverage

Originates loans in all 50 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types*
  • FHA, VA

Online Application

No

National Coverage

Originates loans in all 50 states

Minimum Credit Score

620
$18 billion
  • Standard loan types*
  • FHA, VA
  • Jumbo, renovation
No Originates loans in all 50 states 580

Online Application

No

National Coverage

Originates loans in all 50 states

Minimum Credit Score

580

Types of Loans Offered

  • Standard loan types*
  • FHA, VA
  • Jumbo, renovation

Online Application

No

National Coverage

Originates loans in all 50 states

Minimum Credit Score

580
$17 billion
  • Standard loan types*
  • FHA, VA
  • Jumbo
Yes Originates loans in all 50 states 620

Online Application

Yes

National Coverage

Originates loans in all 50 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types*
  • FHA, VA
  • Jumbo

Online Application

Yes

National Coverage

Originates loans in all 50 states

Minimum Credit Score

620
$13 billion
  • Standard loan types*
  • FHA, VA
  • Jumbo
Yes Originates loans in 46 states 620

Online Application

Yes

National Coverage

Originates loans in 46 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types*
  • FHA, VA
  • Jumbo

Online Application

Yes

National Coverage

Originates loans in 46 states

Minimum Credit Score

620
$12 billion
  • Standard loan types*
  • FHA, VA
  • Jumbo
Yes Originates loans in 48 states 620

Online Application

Yes

National Coverage

Originates loans in 48 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types*
  • FHA, VA
  • Jumbo

Online Application

Yes

National Coverage

Originates loans in 48 states

Minimum Credit Score

620
$9 billion
  • Standard loan types*
  • New construction
No Originates loans in 5 states 620

Online Application

No

National Coverage

Originates loans in 5 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types*
  • New construction

Online Application

No

National Coverage

Originates loans in 5 states

Minimum Credit Score

620
$9 billion
  • Standard loan types*
  • FHA, VA
  • Low down payment
Yes Originates loans in all 50 states 620

Online Application

Yes

National Coverage

Originates loans in all 50 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types*
  • FHA, VA
  • Low down payment

Online Application

Yes

National Coverage

Originates loans in all 50 states

Minimum Credit Score

620
$8 billion
  • Standard loan types*
  • FHA, VA, USDA
  • Low down payment
Yes Originates loans in 49 states 620

Online Application

Yes

National Coverage

Originates loans in 49 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types*
  • FHA, VA, USDA
  • Low down payment

Online Application

Yes

National Coverage

Originates loans in 49 states

Minimum Credit Score

620
$3 billion
  • Standard loan types*
  • FHA, VA
  • Low down payment
Yes Originates loans in 49 states 620

Online Application

Yes

National Coverage

Originates loans in 49 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types*
  • FHA, VA
  • Low down payment

Online Application

Yes

National Coverage

Originates loans in 49 states

Minimum Credit Score

620
$3 billion
  • Standard loan types*
  • FHA, VA
  • Low down payment
Yes Originates loans in 10 states 620

Online Application

Yes

National Coverage

Originates loans in 10 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types*
  • FHA, VA
  • Low down payment

Online Application

Yes

National Coverage

Originates loans in 10 states

Minimum Credit Score

620
$3 billion
  • Standard loan types*
  • FHA, VA
No Originates loans in 45 states 620

Online Application

No

National Coverage

Originates loans in 45 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types*
  • FHA, VA

Online Application

No

National Coverage

Originates loans in 45 states

Minimum Credit Score

620
$600 million
  • Standard loan types*
Yes Originates loans in 13 states 620

Online Application

Yes

National Coverage

Originates loans in 13 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types*

Online Application

Yes

National Coverage

Originates loans in 13 states

Minimum Credit Score

620
  • Standard loan types*
  • FHA, VA
  • Jumbo, new construction, renovation
No Originates loans in all 50 states 620

Online Application

No

National Coverage

Originates loans in all 50 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types*
  • FHA, VA
  • Jumbo, new construction, renovation

Online Application

No

National Coverage

Originates loans in all 50 states

Minimum Credit Score

620
  • Standard loan types
No Originates loans in 12 states 620

Online Application

No

National Coverage

Originates loans in 12 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types

Online Application

No

National Coverage

Originates loans in 12 states

Minimum Credit Score

620
  • Standard loan types
  • VA, FHA
No Originates loans all 50 states 620

Online Application

No

National Coverage

Originates loans all 50 states

Minimum Credit Score

620

Types of Loans Offered

  • Standard loan types
  • VA, FHA

Online Application

No

National Coverage

Originates loans all 50 states

Minimum Credit Score

620

* Standard loan types include 15-year fixed, 30-year fixed, 3/1 ARM, 5/1 ARM and 7/1 ARM loans.

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Rent vs. Buy: The Best Metropolitan Areas to Own a Home

SmartAsset’s interactive buy vs. rent map highlights the metropolitan areas where buying a home is better than renting based on the number of years you plan on staying in your home. The top 10 metro areas identified below are those places where buying becomes a better financial option than renting in the shortest amount of time.

See where buying is better than renting after years
Renting is Better
Buying is Better
Rank Metro Breakeven Year Avg. Monthly Mortgage Payment Avg. Monthly Rent Avg. Home Price

Methodology Where is the country’s strongest buyer’s market? To answer that question, SmartAsset gathered data on average rents and home prices, and compared buying to renting in every metropolitan area in America. For the purpose of this study, we only considered metropolitan areas with a population greater than 200,000.

Specifically, we compared the total costs of buying and renting a typical home or rental in each metro, for a household earning $100,000 a year. For the “buy” scenario, we made the following assumptions: a mortgage rate of 4.5%, closing costs of $2,000, and a down payment of 20%. For each metro, we found the breakeven point in the buy vs. rent decision— the point at which the total costs of renting become greater than the total costs of buying.

The metropolitan areas with the shortest time to break even are the best places to buy.

Sources: US Department of Housing and Urban Development, US Census Bureau 2015 American Community Survey *For this study we looked at all U.S. cities that have a population greater than 200,000 with available data.