Compare Refinance Lenders Side by Side
45 head-to-head comparisons using Wirly ratings, loan types, credit score requirements, and CFPB complaint data. Find the right lender for your refinance.
Most Popular Comparisons
The matchups borrowers search for most often.
Better
vs
Rocket Mortgage
4.3
vs
4.5
Rocket Mortgage rated 4.5/5 vs 4.3/5
Compare details →Navy Federal Credit Union
vs
Rocket Mortgage
4.6
vs
4.5
Navy Federal Credit Union rated 4.6/5 vs 4.5/5
Compare details →Rocket Mortgage
vs
SoFi
4.5
vs
4.4
Rocket Mortgage rated 4.5/5 vs 4.4/5
Compare details →Better
vs
SoFi
4.3
vs
4.4
SoFi rated 4.4/5 vs 4.3/5
Compare details →Chase
vs
Rocket Mortgage
4.2
vs
4.5
Rocket Mortgage rated 4.5/5 vs 4.2/5
Compare details →Rocket Mortgage
vs
Wells Fargo
4.5
vs
3.9
Rocket Mortgage rated 4.5/5 vs 3.9/5
Compare details →Top Lenders
Head-to-head matchups between the highest-rated refinance lenders
Guaranteed Rate
vs
Rocket Mortgage
4.3
vs
4.5
Rocket Mortgage rated 4.5/5 vs 4.3/5
Compare details →loanDepot
vs
Rocket Mortgage
4
vs
4.5
Rocket Mortgage rated 4.5/5 vs 4/5
Compare details →PennyMac
vs
Rocket Mortgage
4.1
vs
4.5
Rocket Mortgage rated 4.5/5 vs 4.1/5
Compare details →Better
vs
Guaranteed Rate
4.3
vs
4.3
Low fees vs Wide loan selection
Compare details →Better
vs
Navy Federal Credit Union
4.3
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4.3/5
Compare details →Guaranteed Rate
vs
SoFi
4.3
vs
4.4
SoFi rated 4.4/5 vs 4.3/5
Compare details →Navy Federal Credit Union
vs
SoFi
4.6
vs
4.4
Navy Federal Credit Union rated 4.6/5 vs 4.4/5
Compare details →Guaranteed Rate
vs
loanDepot
4.3
vs
4
Guaranteed Rate rated 4.3/5 vs 4/5
Compare details →Guaranteed Rate
vs
PennyMac
4.3
vs
4.1
Guaranteed Rate rated 4.3/5 vs 4.1/5
Compare details →Chase
vs
Guaranteed Rate
4.2
vs
4.3
Guaranteed Rate rated 4.3/5 vs 4.2/5
Compare details →Guaranteed Rate
vs
Wells Fargo
4.3
vs
3.9
Guaranteed Rate rated 4.3/5 vs 3.9/5
Compare details →Guaranteed Rate
vs
Navy Federal Credit Union
4.3
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4.3/5
Compare details →loanDepot
vs
PennyMac
4
vs
4.1
PennyMac rated 4.1/5 vs 4/5
Compare details →Chase
vs
PennyMac
4.2
vs
4.1
Chase rated 4.2/5 vs 4.1/5
Compare details →PennyMac
vs
Wells Fargo
4.1
vs
3.9
PennyMac rated 4.1/5 vs 3.9/5
Compare details →Chase
vs
Wells Fargo
4.2
vs
3.9
Chase rated 4.2/5 vs 3.9/5
Compare details →Online vs Traditional
Digital-first lenders compared to banks with branch networks
Better
vs
Chase
4.3
vs
4.2
Better rated 4.3/5 vs 4.2/5
Compare details →Better
vs
Wells Fargo
4.3
vs
3.9
Better rated 4.3/5 vs 3.9/5
Compare details →Chase
vs
SoFi
4.2
vs
4.4
SoFi rated 4.4/5 vs 4.2/5
Compare details →SoFi
vs
Wells Fargo
4.4
vs
3.9
SoFi rated 4.4/5 vs 3.9/5
Compare details →Chase
vs
loanDepot
4.2
vs
4
Chase rated 4.2/5 vs 4/5
Compare details →loanDepot
vs
Wells Fargo
4
vs
3.9
loanDepot rated 4/5 vs 3.9/5
Compare details →Credit Union vs Bank
How credit union rates and service stack up against major banks
Better
vs
Navy Federal Credit Union
4.3
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4.3/5
Compare details →LendingTree
vs
Navy Federal Credit Union
4.2
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4.2/5
Compare details →Navy Federal Credit Union
vs
SoFi
4.6
vs
4.4
Navy Federal Credit Union rated 4.6/5 vs 4.4/5
Compare details →Guaranteed Rate
vs
Navy Federal Credit Union
4.3
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4.3/5
Compare details →loanDepot
vs
Navy Federal Credit Union
4
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4/5
Compare details →Navy Federal Credit Union
vs
PennyMac
4.6
vs
4.1
Navy Federal Credit Union rated 4.6/5 vs 4.1/5
Compare details →Chase
vs
Navy Federal Credit Union
4.2
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4.2/5
Compare details →Navy Federal Credit Union
vs
Wells Fargo
4.6
vs
3.9
Navy Federal Credit Union rated 4.6/5 vs 3.9/5
Compare details →Low-Fee Options
Comparisons featuring lenders known for minimal fees
Better
vs
LendingTree
4.3
vs
4.2
Better rated 4.3/5 vs 4.2/5
Compare details →Better
vs
Guaranteed Rate
4.3
vs
4.3
Low fees vs Wide loan selection
Compare details →Better
vs
loanDepot
4.3
vs
4
Better rated 4.3/5 vs 4/5
Compare details →Better
vs
PennyMac
4.3
vs
4.1
Better rated 4.3/5 vs 4.1/5
Compare details →Better
vs
Chase
4.3
vs
4.2
Better rated 4.3/5 vs 4.2/5
Compare details →Better
vs
Wells Fargo
4.3
vs
3.9
Better rated 4.3/5 vs 3.9/5
Compare details →Better
vs
Navy Federal Credit Union
4.3
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4.3/5
Compare details →LendingTree
vs
SoFi
4.2
vs
4.4
SoFi rated 4.4/5 vs 4.2/5
Compare details →Guaranteed Rate
vs
SoFi
4.3
vs
4.4
SoFi rated 4.4/5 vs 4.3/5
Compare details →loanDepot
vs
SoFi
4
vs
4.4
SoFi rated 4.4/5 vs 4/5
Compare details →PennyMac
vs
SoFi
4.1
vs
4.4
SoFi rated 4.4/5 vs 4.1/5
Compare details →Chase
vs
SoFi
4.2
vs
4.4
SoFi rated 4.4/5 vs 4.2/5
Compare details →SoFi
vs
Wells Fargo
4.4
vs
3.9
SoFi rated 4.4/5 vs 3.9/5
Compare details →Navy Federal Credit Union
vs
SoFi
4.6
vs
4.4
Navy Federal Credit Union rated 4.6/5 vs 4.4/5
Compare details →Military and VA
Matchups involving lenders with strong VA loan programs
Better
vs
Navy Federal Credit Union
4.3
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4.3/5
Compare details →LendingTree
vs
Navy Federal Credit Union
4.2
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4.2/5
Compare details →Navy Federal Credit Union
vs
SoFi
4.6
vs
4.4
Navy Federal Credit Union rated 4.6/5 vs 4.4/5
Compare details →Guaranteed Rate
vs
Navy Federal Credit Union
4.3
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4.3/5
Compare details →loanDepot
vs
Navy Federal Credit Union
4
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4/5
Compare details →Navy Federal Credit Union
vs
PennyMac
4.6
vs
4.1
Navy Federal Credit Union rated 4.6/5 vs 4.1/5
Compare details →Chase
vs
Navy Federal Credit Union
4.2
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4.2/5
Compare details →Navy Federal Credit Union
vs
Wells Fargo
4.6
vs
3.9
Navy Federal Credit Union rated 4.6/5 vs 3.9/5
Compare details →Marketplace vs Direct
Lending marketplaces compared to direct lenders
LendingTree
vs
Rocket Mortgage
4.2
vs
4.5
Rocket Mortgage rated 4.5/5 vs 4.2/5
Compare details →Better
vs
LendingTree
4.3
vs
4.2
Better rated 4.3/5 vs 4.2/5
Compare details →LendingTree
vs
SoFi
4.2
vs
4.4
SoFi rated 4.4/5 vs 4.2/5
Compare details →Guaranteed Rate
vs
LendingTree
4.3
vs
4.2
Guaranteed Rate rated 4.3/5 vs 4.2/5
Compare details →LendingTree
vs
loanDepot
4.2
vs
4
LendingTree rated 4.2/5 vs 4/5
Compare details →LendingTree
vs
PennyMac
4.2
vs
4.1
LendingTree rated 4.2/5 vs 4.1/5
Compare details →Chase
vs
LendingTree
4.2
vs
4.2
Existing Chase customers vs Comparing multiple offers
Compare details →LendingTree
vs
Wells Fargo
4.2
vs
3.9
LendingTree rated 4.2/5 vs 3.9/5
Compare details →LendingTree
vs
Navy Federal Credit Union
4.2
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4.2/5
Compare details →All 45 Comparisons
Every lender matchup, sorted alphabetically.
Better
vs
Rocket Mortgage
4.3
vs
4.5
Rocket Mortgage rated 4.5/5 vs 4.3/5
Compare details →LendingTree
vs
Rocket Mortgage
4.2
vs
4.5
Rocket Mortgage rated 4.5/5 vs 4.2/5
Compare details →Rocket Mortgage
vs
SoFi
4.5
vs
4.4
Rocket Mortgage rated 4.5/5 vs 4.4/5
Compare details →Guaranteed Rate
vs
Rocket Mortgage
4.3
vs
4.5
Rocket Mortgage rated 4.5/5 vs 4.3/5
Compare details →loanDepot
vs
Rocket Mortgage
4
vs
4.5
Rocket Mortgage rated 4.5/5 vs 4/5
Compare details →PennyMac
vs
Rocket Mortgage
4.1
vs
4.5
Rocket Mortgage rated 4.5/5 vs 4.1/5
Compare details →Chase
vs
Rocket Mortgage
4.2
vs
4.5
Rocket Mortgage rated 4.5/5 vs 4.2/5
Compare details →Rocket Mortgage
vs
Wells Fargo
4.5
vs
3.9
Rocket Mortgage rated 4.5/5 vs 3.9/5
Compare details →Navy Federal Credit Union
vs
Rocket Mortgage
4.6
vs
4.5
Navy Federal Credit Union rated 4.6/5 vs 4.5/5
Compare details →Better
vs
LendingTree
4.3
vs
4.2
Better rated 4.3/5 vs 4.2/5
Compare details →Better
vs
SoFi
4.3
vs
4.4
SoFi rated 4.4/5 vs 4.3/5
Compare details →Better
vs
Guaranteed Rate
4.3
vs
4.3
Low fees vs Wide loan selection
Compare details →Better
vs
loanDepot
4.3
vs
4
Better rated 4.3/5 vs 4/5
Compare details →Better
vs
PennyMac
4.3
vs
4.1
Better rated 4.3/5 vs 4.1/5
Compare details →Better
vs
Chase
4.3
vs
4.2
Better rated 4.3/5 vs 4.2/5
Compare details →Better
vs
Wells Fargo
4.3
vs
3.9
Better rated 4.3/5 vs 3.9/5
Compare details →Better
vs
Navy Federal Credit Union
4.3
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4.3/5
Compare details →LendingTree
vs
SoFi
4.2
vs
4.4
SoFi rated 4.4/5 vs 4.2/5
Compare details →Guaranteed Rate
vs
LendingTree
4.3
vs
4.2
Guaranteed Rate rated 4.3/5 vs 4.2/5
Compare details →LendingTree
vs
loanDepot
4.2
vs
4
LendingTree rated 4.2/5 vs 4/5
Compare details →LendingTree
vs
PennyMac
4.2
vs
4.1
LendingTree rated 4.2/5 vs 4.1/5
Compare details →Chase
vs
LendingTree
4.2
vs
4.2
Existing Chase customers vs Comparing multiple offers
Compare details →LendingTree
vs
Wells Fargo
4.2
vs
3.9
LendingTree rated 4.2/5 vs 3.9/5
Compare details →LendingTree
vs
Navy Federal Credit Union
4.2
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4.2/5
Compare details →Guaranteed Rate
vs
SoFi
4.3
vs
4.4
SoFi rated 4.4/5 vs 4.3/5
Compare details →loanDepot
vs
SoFi
4
vs
4.4
SoFi rated 4.4/5 vs 4/5
Compare details →PennyMac
vs
SoFi
4.1
vs
4.4
SoFi rated 4.4/5 vs 4.1/5
Compare details →Chase
vs
SoFi
4.2
vs
4.4
SoFi rated 4.4/5 vs 4.2/5
Compare details →SoFi
vs
Wells Fargo
4.4
vs
3.9
SoFi rated 4.4/5 vs 3.9/5
Compare details →Navy Federal Credit Union
vs
SoFi
4.6
vs
4.4
Navy Federal Credit Union rated 4.6/5 vs 4.4/5
Compare details →Guaranteed Rate
vs
loanDepot
4.3
vs
4
Guaranteed Rate rated 4.3/5 vs 4/5
Compare details →Guaranteed Rate
vs
PennyMac
4.3
vs
4.1
Guaranteed Rate rated 4.3/5 vs 4.1/5
Compare details →Chase
vs
Guaranteed Rate
4.2
vs
4.3
Guaranteed Rate rated 4.3/5 vs 4.2/5
Compare details →Guaranteed Rate
vs
Wells Fargo
4.3
vs
3.9
Guaranteed Rate rated 4.3/5 vs 3.9/5
Compare details →Guaranteed Rate
vs
Navy Federal Credit Union
4.3
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4.3/5
Compare details →loanDepot
vs
PennyMac
4
vs
4.1
PennyMac rated 4.1/5 vs 4/5
Compare details →Chase
vs
loanDepot
4.2
vs
4
Chase rated 4.2/5 vs 4/5
Compare details →loanDepot
vs
Wells Fargo
4
vs
3.9
loanDepot rated 4/5 vs 3.9/5
Compare details →loanDepot
vs
Navy Federal Credit Union
4
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4/5
Compare details →Chase
vs
PennyMac
4.2
vs
4.1
Chase rated 4.2/5 vs 4.1/5
Compare details →PennyMac
vs
Wells Fargo
4.1
vs
3.9
PennyMac rated 4.1/5 vs 3.9/5
Compare details →Navy Federal Credit Union
vs
PennyMac
4.6
vs
4.1
Navy Federal Credit Union rated 4.6/5 vs 4.1/5
Compare details →Chase
vs
Wells Fargo
4.2
vs
3.9
Chase rated 4.2/5 vs 3.9/5
Compare details →Chase
vs
Navy Federal Credit Union
4.2
vs
4.6
Navy Federal Credit Union rated 4.6/5 vs 4.2/5
Compare details →Navy Federal Credit Union
vs
Wells Fargo
4.6
vs
3.9
Navy Federal Credit Union rated 4.6/5 vs 3.9/5
Compare details →Rankings based on publicly available data, editorial evaluation, and CFPB complaint records. See our methodology.