★ BEST OVERALL
1
Gov Loan OptionsNMLS #2721
- Rate-and-term, cash-out and HELOC options matched in one place
- Real-time connection to refinance providers, U.S. homeowners only
Every provider, compared side by side.
The complete PickWise ranking. Pick a category to see the full list of providers — scores, prices, standout features and ratings — plus a side-by-side table of the top picks.
Best mortgage lenders — full ranking
2
NMLS #2084135- Match with multiple lending partners in one place
- Home equity, refinance and purchase, up to $2M from your equity
- 100% free, won't affect your credit score, takes two minutes
3
N
NorthBay Mortgage
- Rate-and-term & cash-out refinance experts
- Transparent fee breakdown upfront
4
H
Harbor Home Loans
- FHA, VA & first-time buyer programs
- Down-payment assistance options
5
M
Meridian Mortgage
- Specialist in jumbo & high-balance loans
- Private banking-style service
6
C
Crestline Lending
- First-time buyer education & grants
- Low down-payment programs
Top picks side by side
Our four highest-scoring mortgage lenders, compared on the details that matter.
1 Gov Loan Options 9.9/10 | 2 BestMoney 9.5/10 | 3 NorthBay Mortgage 9.3/10 | 4 Harbor Home Loans 9.0/10 | |
|---|---|---|---|---|
| Starting rate | 5.9% APR | Free | 6.0% APR | 6.4% APR |
| Lender fees | $0 | $0 | $900 | Varies |
| Min. credit score | 620 | 580 | 660 | 580 |
| Closing time | 18 days | 2 min | 28 days | 30 days |
| Best for | Refinance | Matching service | Refinance | Lower credit |
| Rating | ★★★★★ | ★★★★★ | ★★★★★ | ★★★★★ |
| Visit site | Visit site | Visit site | Visit site |
Good to know
How to read this comparison
The PickWise Score is a weighted composite across four signals — price & value (35%), features (25%), customer reviews (25%), and trending demand (15%). Every provider is rescored weekly.
The side-by-side table highlights our four highest-scoring providers for easier comparison. Scroll up to see the full ranked list.
Rates shown are starting points and vary by profile, location, availability, and other factors. Always confirm current rates directly with the provider.
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