Mortgage Ratings

Mortgage Criteria 

  • Trustpilot Ratings. Trustpilot is considered reliable due to its open platform allowing a wide range of customer feedback, verification processes to confirm the authenticity of reviews, and a strong commitment to transparency. 
  • Interest Rates and Fees. We evaluate mortgage lenders on whether they offer competitive interest rates. We also look beyond the rates and consider all associated fees, such as origination fees and closing costs. 
  • Loans Available. We evaluate each company’s mortgage offerings to determine whether they can serve a wide variety of customers and their needs. These types of loans include conventional loans, FHA loans, VA loans, and adjustable-rate mortgages. Each type has different requirements and benefits. 
  • Qualification Requirements. Each lender has different requirements for credit scores, debt-to-income ratios, employment history, and down payment. We check to see how easy it is to qualify for a mortgage loan through each of the companies.  
  • Company accessibility. Good company accessibility is important for sufficiently servicing customers. Are they available 24/7? What channels (phone, email, online chat) are available for support? 
  • Financial Stability. We think it’s important to consider the financial stability of the lender. A stable, well-established lender is likely to offer more reliability. 
Company

Reviews

RatingBenefits

Chase		1554 Reviews | Average7.5/10
  • Authorized to Originate Home Loans in 39 States
  • Publishes Daily Interest Rates
  • AAA Credit Rating by FitchRatings (the Highest Rating it Gives Companies)
  • Range of Loan Options Includes Fixed Rate, Adjustable Rate, FHA, Jumbo and More
  • Offers Two Low-Down-Payment Mortgage Options: DreaMaker and Standard Agency
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Fairway Independent Mortgage logo
Fairway		2 Reviews | Average6.2/10
  • Affordable Housing Program Available
  • Highest Rating from J.D. Power for Customer Satisfaction
  • Authorized to Originate Loans in 50 States
  • Loan Options Include FHA, Fixed Rate, Adjustable Rate, VA, Refinancing and More
  • Does Not Publish Interest Rates
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loandepot is
loanDepot		4,045 Reviews | Great8.17/10
  • Publishes Daily Interest Rates
  • Originates Loans in 50 States
  • Loan Options Include Adjustable Rate, Fixed Rate, VA, FHA, Renovation Loans, and HELOCs
  • More Than 200 Physical Location Throughout the United States
  • Informative and Easy to Navigate Website
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Mutual of Omaha Mortgage
Mutual of Omaha Mortgage		872 Reviews | Excellent8.17/10
  • Excellent Customer Service Ratings on Third-Party Sites
  • Provides 24/7 Customer Service
  • Authorized to Originate Loans in 48 States Plus District of Columbia
  • Offers Conventional Loans, Jumbo, FHA, VA, USDA and More
  • Offers Rate Lock to Secure Interest Rate During Application Process
  • Cash-Out Refinancing Available
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NASB Bank		10 Reviews | Poor7.8/10
  • Interest Rates Published Daily
  • Licensed to Originate Home Loans Nationwide in All 50 States
  • Customer Service Available 24/7
  • Physical Branches Located in Kansas City, Missouri Area
  • Home Loans Available for Those with Low Credit Scores
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Last updated: 1/31/24