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 Mortgage Refinance Lenders of 2026
Ranked by rates, fees, and loan options using public data. No lender pays for placement.
At a Glance
| Lender | Min. Score | Loan Types | Best For | Rating |
|---|---|---|---|---|
| Rocket Mortgage | 580 | Conventional, FHA, VA, Jumbo | Online experience | 4.5 |
| Better | 620 | Conventional, FHA, Jumbo | Low fees | 4.3 |
| LendingTree | 580 | Conventional, FHA, VA, Jumbo, USDA | Comparing multiple offers | 4.2 |
| SoFi | 600 | Conventional, Jumbo | High-balance loans | 4.4 |
| Guaranteed Rate | 620 | Conventional, FHA, VA, Jumbo, USDA | Wide loan selection | 4.3 |
| loanDepot | 620 | Conventional, FHA, VA, Jumbo | Repeat customers | 4.0 |
| PennyMac | 620 | Conventional, FHA, VA, Jumbo | Existing PennyMac borrowers | 4.1 |
| Chase | 620 | Conventional, FHA, VA, Jumbo | Existing Chase customers | 4.2 |
| Wells Fargo | 620 | Conventional, FHA, VA, Jumbo | In-person service | 3.9 |
| Navy Federal Credit Union | 580 | Conventional, VA, Jumbo | Military and VA loans | 4.6 |
Lender Details
Rocket Mortgage
Best for: Online experience
Min. credit score
580
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
Better
Best for: Low fees
Min. credit score
620
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
LendingTree
Best for: Comparing multiple offers
Min. credit score
580
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
SoFi
Best for: High-balance loans
Min. credit score
600
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
Guaranteed Rate
Best for: Wide loan selection
Min. credit score
620
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
loanDepot
Best for: Repeat customers
Min. credit score
620
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
PennyMac
Best for: Existing PennyMac borrowers
Min. credit score
620
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
Chase
Best for: Existing Chase customers
Min. credit score
620
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
Wells Fargo
Best for: In-person service
Min. credit score
620
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
How We Rank Lenders
Our lender rankings are based on a combination of publicly available data and editorial evaluation. We do not accept payment for higher placement or favorable ratings.
Data sources: We reference HMDA (Home Mortgage Disclosure Act) aggregate data for lending volume and approval rates, publicly reported rate sheets, and borrower eligibility requirements published by each lender.
Evaluation criteria: Lenders are evaluated on rate competitiveness, fee transparency, loan product variety, credit score requirements, customer experience (based on published reviews and regulatory complaints), and digital tools.
Affiliate relationships: Some lenders on this page are affiliate partners. This means Wirly may earn a commission if you click a link and apply. Affiliate relationships do not influence rankings or ratings. Lenders without affiliate partnerships are included when they meet our editorial standards.
Ratings are updated periodically. Individual rates, fees, and terms vary based on your credit profile, loan amount, and property type. Always compare personalized quotes from multiple lenders before making a decision.
Refinancing FAQ
How do I choose the best refinance lender?
Compare rates from at least 3-5 lenders, look at closing costs and fees (not just the rate), check credit score requirements, and read reviews for customer service quality. The lowest rate means nothing if the lender charges high origination fees or has poor communication during closing.
Do I have to refinance with my current lender?
No. You can refinance with any lender, not just your current one. In fact, shopping around typically saves borrowers $1,500 or more over the life of the loan according to Freddie Mac research. Your current lender may offer a streamline option, but always compare it against outside quotes.
What credit score do I need to refinance?
Most conventional lenders require a minimum score of 620, though some accept 580 for FHA loans. For the best rates, aim for 740 or higher. Each lender has different requirements, which is why we list minimum credit scores for each lender on this page.
How much does it cost to refinance?
Refinance closing costs typically range from 2-5% of the loan amount. On a $300,000 mortgage, expect $6,000-$15,000 in fees including appraisal, title insurance, and origination charges. Some lenders offer no-closing-cost options by rolling fees into a slightly higher rate.
How does Wirly make money from this page?
Wirly may earn a commission when you click certain lender links and apply. This compensation does not affect our rankings, which are based on publicly available data and editorial evaluation. See our full methodology section below for details on how we rank lenders.
Rates, fees, and terms vary by lender, loan amount, credit score, and property type. Information on this page is for educational purposes and may not reflect current offerings. Always verify terms directly with the lender. Wirly is not a lender or mortgage broker.