Advertiser Disclosure: Wirly may receive compensation when you click lender links. This does not affect our rankings, which are based on publicly available data and editorial review. See our methodology.

Best 15-Year Refinance Lenders (2026)

Compare lenders offering competitive 15-year refinance rates to pay off your mortgage faster and save on total interest.

Top Lenders for This Situation

Rocket Mortgage

4.5

Best for: Online experience

Min. credit score

580

ConventionalFHAVAJumbo

Pros

+Streamlined online process with fast pre-approval
+Wide range of loan products including jumbo
+Highly rated mobile app and customer support

Cons

-Origination fees may be higher than some competitors
-No in-person branches for face-to-face meetings
-Limited home equity loan options

Check Rates

Better

4.3

Best for: Low fees

Min. credit score

620

ConventionalFHAJumbo

Pros

+No origination fees or lender commissions
+Transparent pricing with real-time rate quotes
+Fast closing timeline in eligible markets

Cons

-No VA loans
-Limited physical locations for in-person support
-Customer service can be inconsistent during high volume

Check Rates

LendingTree

4.2

Best for: Comparing multiple offers

Min. credit score

580

ConventionalFHAVAJumboUSDA

Pros

+Receive up to 5 offers from competing lenders
+Wide range of loan types and lender partners
+Helps borrowers with lower credit scores find options

Cons

-Not a direct lender (marketplace model)
-May receive marketing calls from multiple lenders
-Rates shown are estimates until lender verification

Check Rates

SoFi

4.4

Best for: High-balance loans

Min. credit score

600

ConventionalJumbo

Pros

+No origination, application, or appraisal fees
+Competitive rates for well-qualified borrowers
+Unemployment forbearance program for members

Cons

-No FHA, VA, or USDA loans
-Higher minimum credit score than some competitors
-Limited loan product variety

Check Rates

Guaranteed Rate

4.3

Best for: Wide loan selection

Min. credit score

620

ConventionalFHAVAJumboUSDA

Pros

+Extensive loan product menu including niche options
+Both digital and in-person support available
+Competitive rates with rate lock flexibility

Cons

-Origination fees vary by market and loan type
-Online reviews cite occasional processing delays
-Not available in all states for all products

Check Rates

loanDepot

4.0

Best for: Repeat customers

Min. credit score

620

ConventionalFHAVAJumbo

Pros

+Lifetime guarantee waives lender fees on future refinances
+Available nationwide with local loan officers
+Solid digital application experience

Cons

-Higher rates reported compared to some online lenders
-Customer service ratings have fluctuated
-No USDA loans

Check Rates

PennyMac

4.1

Best for: Existing PennyMac borrowers

Min. credit score

620

ConventionalFHAVAJumbo

Pros

+Simple refinance process for current PennyMac customers
+Competitive rates on conforming and government loans
+No in-person visit required

Cons

-Limited branch locations
-Less competitive for jumbo or non-conforming loans
-Online tools are functional but not best-in-class

Check Rates

Chase

4.2

Best for: Existing Chase customers

Min. credit score

620

ConventionalFHAVAJumbo

Pros

+Rate discounts for existing Chase banking customers
+Nationwide branch network for in-person support
+Strong reputation and financial stability

Cons

-Less competitive rates without relationship discounts
-Approval process can be slower than online-only lenders
-No USDA loans

Check Rates

Wells Fargo

3.9

Best for: In-person service

Min. credit score

620

ConventionalFHAVAJumbo

Pros

+Large branch network for face-to-face support
+Closing cost assistance programs available
+Wide range of conventional and government loan products

Cons

-Online application experience lags behind digital-first lenders
-Past regulatory issues may concern some borrowers
-Rates may not be the most competitive for all profiles

Check Rates

Navy Federal Credit Union

4.6

Best for: Military and VA loans

Min. credit score

580

ConventionalVAJumbo

Pros

+Excellent VA loan terms with no PMI
+Lower credit score requirements for military members
+Consistently high customer satisfaction ratings

Cons

-Membership limited to military, veterans, and families
-No FHA or USDA loans
-Branch locations concentrated near military bases

Check Rates

Relevant Loan Types

Conventional

See your numbers

Use real Federal Reserve data to calculate your potential refinance savings for this scenario.

Try the Calculator

Frequently Asked Questions

How much do I save with a 15-year vs 30-year refinance?

On a $300,000 loan, switching from a 30-year at 7% to a 15-year at 6.25% saves approximately $200,000 in total interest. Your monthly payment will be higher, but you build equity much faster.

What are 15-year refinance rates today?

15-year rates are typically 0.5% to 0.75% lower than 30-year rates. Check our mortgage rates page for the latest national averages from Federal Reserve data.

Can I afford a 15-year refinance?

Use our refinance calculator to compare monthly payments. A general guideline is that your total housing payment should not exceed 28% of your gross monthly income.

Is a 15-year refinance worth it if I plan to move?

If you plan to move within 5 years, the higher monthly payment of a 15-year loan may not be worth it. You would build equity faster, but a 30-year with extra payments offers more flexibility.

What credit score do I need for a 15-year refinance?

Most lenders require the same credit score for 15-year and 30-year refinances - typically 620 for conventional loans. Better credit scores will qualify for lower rates.

This page is for educational purposes only and does not constitute financial advice. Wirly is not a lender or mortgage broker. Individual rates, terms, and eligibility vary by lender and borrower profile. Consult a licensed mortgage professional for personalized guidance.