Going online to look for a mortgage or a refinance is routine these days. That’s because companies — both new online mortgage lenders and traditional players — are doing more on the web.
The new online mortgage model offers convenience and automation. It can even save you money. And hey, if you want to see a friendly face before you close a deal, you can often do that, too.
Remember, you should still get preapproved before you house shop, get at least three quotes before you choose a mortgage and evaluate how much home you can afford before you take the plunge.
» MORE: Monitor your credit score
To help you choose an online mortgage lender, cheatgame.info has picked some of the best out there in a variety of categories to help you get the home loan with the best mortgage rate, term and fees.
cheatgame.info’s best online mortgage lenders
at Lenda
620
5%
Ideal for home buyers and refinancers who want to apply online for loans in its lending footprint. The robust online lending platform gives borrowers 24/7 access to the loan's progress.
at Rocket Mortgage
620
3%
Ideal for an online application experience. Rocket Mortgage provides a high-tech mortgage loan process with on-demand mortgage advisors when you need help.
at Quicken Loans
620
3%
Ideal for access to mortgage advisors online. Quicken Loans' mortgage loan process is an apply-wherever-you-are experience. It's easy and intuitive. And there's human help available with a tap.
at Better Mortgage
620
3%
Ideal for those who appreciate simplicity. Better Mortgage's online loan application is a “dynamic Q&A” process that adjusts with the information you provide, asking for additional info relevant to your particular situation. It feels a lot like using TurboTax to file your taxes.
at cheatgame.info
620
5%
Ideal for home buyers and refinancers who would prefer to apply online. Guaranteed Rate takes pride in its low loan-default rate, which comes from carefully qualifying borrowers.
at SunTrust
620
3%
Ideal for borrowers who need a comprehensive online lending platform in English or in Spanish. The online portal aims to improve speed and transparency.
at PennyMac
620
3%
Ideal for borrowers who like flexibility. PennyMac combines online loan support and electronic documentation submission with a loan officer you can speak with over the phone.
at Network Capital
620
3%
Ideal for cost-conscious borrowers looking for a lender with no origination fees and online convenience with mortgage banker assistance.
at cheatgame.info
620
3%
Ideal for borrowers seeking a traditional lender with advanced online capabilities. PNC allows users to apply for a loan by phone, in person or online.
at Bank of America
620
3%
Ideal for those who are always on the go. Bank of America's robust website and mobile app helps borrowers get qualified and navigate the mortgage lending process entirely online.
at cheatgame.info
Regional
10%
Ideal for those who want to refinance online. In one sitting, SoFi gives you an upfront, underwritten loan approval, showing potential sellers that you’ve been vetted as a trustworthy and highly qualified buyer with the financial ability to purchase a home.
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Best online mortgage lenders: summary
- Best overall for online mortgage lenders: Rocket Mortgage
- Best overall for online mortgage lenders: Guaranteed Rate
- Best for refinance: Lenda
- Best for first-time homebuyers: Quicken Loans
- Best for first-time homebuyers: SunTrust Mortgage
- Best for customer service: Better Mortgage
- Best for customer service: PennyMac
- Best for online experience from traditional lender: Bank of America
- Best for online experience from traditional lender: PNC Mortgage
- Best for online experience from traditional lender: Network Capital Funding Mortgage
- Best for refinance: SoFi
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Best online mortgage lenders: review
Lender | Best for | Highlights | Minimum credit score* | Learn more |
|---|---|---|---|---|
 | Online refinancing | Online application and tracking, with no lender-imposed fees | N/A | |
 | Online refinancing | Automated suggestion engine to lower rates, with no lender fees | 620 | |
 | Overall online | Simple and fast online application and tracking, with automated data retrieval | 620 | |
 | Online for first-time homebuyers | Online application with low down payments | 620 | |
 | Online with customer service | Ideal for those who appreciate simplicity | 620 | |
 | Overall online | Simple and fast online application, with secure uploads | 620 | |
 | Online for first-time homebuyers | Streamlined application with FHA-backed loans | 620 | |
 | Online with customer service | Convenient online loan support, including electronic document submissions | No minimum | |
 | Online from traditional lender | Comprehensive online customer support | 600 | |
Online from traditional lender | Easy-to-navigate website, efficient online loan tracking | 620 | ||
 | Online from traditional lender | Full suite of online and mobile tools | 620 |
* Minimum credit score on top loans; other loan types or factors may selectively influence minimum credit score standards
cheatgame.info’s selection of mortgage lenders for inclusion here was made based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the cheatgame.info Mortgages team.
