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Mortgage Lenders, Brokers and Companies We Recommend

Getting a mortgage has changed a lot in recent years. No longer are your choices effectively limited to banks or other mortgage companies with offices in your community. Thanks to rise of online mortgage lenders, you can now search the entire nation in your quest for mortgage companies with the best rates – banks and other mortgage companies who may not always have an office near you, but can provide home loans in your community.

Below is a list of leading mortgage companies you might consider when shopping for a mortgage or home equity loan. Click on individual boxes for specific information on each mortgage company, including loan services offered and contact numbers and addresses.

Top Mortgage Lenders

Here you can find the top lenders We recommend for you.

PHH Mortgage

PHH Mortgage is one of the top five mortgage originating companies in the United States.

Wells Fargo

A pioneer in online banking, Wells Fargo makes it easy for customers to obtain information about their mortgage products

Capital One

Capital One is a relatively young financial services company, founded in 1988 in Richmond, Va.

Quicken Loans

Quicken Loans describes itself as "America's Home Loan Experts"

Freddie Mac

FreddieMac is a private entity that was chartered by Congress in 1970 to help stabilize the mortgage market and encourage lending.

Fannie Mae

FannieMae is a government sponsored entity that was created in 1938

USAA

USAA is a full-service financial institution that specifically serves military personnel and their families.

Most of the mortgage companies listed above are licensed to do business across the United States, though some have a more regional focus. The majority offer online mortgage applications and processing as a service, though many also have extensive local offices if you prefer to do business in person with "mortgage companies near me."

A few – particularly Fannie Mae and Freddie Mac – are mortgage companies that are not lenders, but play important roles in the lending process. They are listed here to provide information to borrowers seeking to learn about them and what they do.

So which are the best mortgage lenders? The answer to that depends in large part on you, the borrower. Most mortgage companies offer similar home loan products – 30-year fixed-rate mortgages, 7/1 ARMs, home equity loans, etc. – but the way they set their rates and fees for these loans can vary dramatically. A mortgage lender that has a great deal for borrowers with imperfect credit may not be the best choice for someone with a 780 credit score. Or the lender you used to purchase your home may not be the best one to use for a home equity loan. And so forth.  So it's a good idea to shop around to find the mortgage companies with the best deal for someone in your specific situation.

Mortgage lenders offer different rates to different customers, based on factors like their credit score, down payment, debt-to-income ratio, etc. So to find the mortgage companies with the best rates for you, you need to get personalized quotes based on your information from a variety of lenders, then compare their offers.

This is called getting prequalified for a mortgage, and includes an estimate of how much you can borrow, as well as a rate quote. It's different from getting preapproved, which is a more advanced step in the process.  

You check the mortgage lenders list for contact information for individual lenders if you'd like to receive quotes directly from them. You can also broaden your search by using the form at the top of this page to request personalized rate quotes from multiple mortgage companies at once, including some that may not be profiled here, but which still do in-person or online business in your state.   

As an alternative, you can also use the form below to view rates various mortgage companies are offering for home purchases or refinances for borrowers in your state with your credit profile.

Other Mortgage Lenders We Recommend

Find information about American Equity Mortgage and learn more about American Equity Mortgage & mortgage loan rates, refinance rates and home equity loan rates.

Find information about Amerisave and learn more about Amerisave & mortgage loan rates, refinance rates and home equity loan rates.

Find information about ASC - America's Servicing Company and learn more about ASC & mortgage loan rates, refinance rates and home equity loan rates.

Find information about CapWest Mortgage and learn more about CapWest's mortgage loan rates, refinance rates and home equity loan rates.

JP Morgan Chase offers a broad variety of mortgage products for both home purchases and mortgage refinancing.

Find information about Citizens Bank and learn more about Citizens Bank's mortgage loan rates, refinance rates and home equity loan rates.

'ditech' was founded in 1995 as one of the first online lenders. The name, which the company does not capitalize, is derived from the phrase "direct technology."

Find information about Freedom Mortgage and learn more about Freedom Mortgage's mortgage loan rates, refinance rates and home equity loan rates.

Find information about Green Tree Mortgage and learn more about Green Tree's mortgage loan rates, refinance rates and home equity loan rates.

Find information about Greenlight Financial and learn more about Greenlight Financial's mortgage loan rates, refinance rates and home equity loan rates.

Find information about HawaiiUSA Federal Credit Union and learn more about Hawaii USA's mortgage loan rates, refinance rates and home equity loan rates.

HSBC Bank USA is one of the leading mortgage lenders in North America, with a track record of excellence in financial services.

Find information about ING Direct and learn more about ING Direct's mortgage loan rates, refinance rates and home equity loan rates.

The Navy Federal Credit Union serves the men and women of the U.S. defense establishment and their families. Was established in 1933.

Find information about NewDay Financial and learn more about NewDay Financial's mortgage loan rates, refinance rates and home equity loan rates.

Founded in 1936, Pacific Service Credit Union was originally started for workers of the Pacific Gas and Electric Company.

Find information about National City and learn more about National City's mortgage loan rates, refinance rates and home equity loan rates.

Sun Trust Mortgage is a division of Sun Trust Banks Inc., a major U.S. financial holdings company. Learn more here.

Find information about SurePoint Lending and learn more about SurePoint Lending's mortgage loan rates, refinance rates and home equity loan rates.

Find information about TD Bank and learn more about TD Bank's mortgage loan rates, refinance rates and home equity loan rates.

Information about Wachovia Financial Services company and the transfer to Wells Fargo. This article covers all you need to know about Wachovia.

Find information about American Advisors Group, Inc. and learn more about AAG's reverse mortgage loans and options for reverse mortgages

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