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Our experts compared everything from affordability to borrower experience to determine the best mortgage lenders of 2025. While some lenders may be partners, this didn’t influence our decisions.

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Read more about how we scored the 2025 Bankrate Awards winners in .

See our top picks

2025 Bankrate Awards Winner Badge

Best mortgage lender overall

Chase Bank Logo

Chase

Learn more in our Bankrate review
Highlights Available to qualified borrowers nationwide Mortgage rate discounts for eligible banking customers $5,000 closing guarantee on home purchases

Why they won

Top features

2025 Bankrate Awards Winner Badge

Best non-bank

New American Funding

New American Funding

Learn more in our Bankrate review
Highlights Generally competitive rates Large branch footprint Down payment and closing costs grant up to $8,000

Why they won

Top features

2025 Bankrate Awards Winner Badge

Best for refinancing

Chase Bank Logo

Chase

Learn more in our Bankrate review
Highlights Branches and online service Above-average customer service rating Variety of refi choices

Why they won

Top features

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Awards
2025 Bankrate Awards Winner Badge

Best for first-time homebuyers

Chase Bank Logo

Chase

Learn more in our Bankrate review
Highlights Available to qualified first-time homebuyers in all states Low-down payment loan options Down payment assistance

Why they won

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2025 Bankrate Awards Winner Badge

Best for FHA loans

Rate

Rate

Learn more in our Bankrate review
Highlights Experienced in FHA loans Online personalized rate tool for convenient shopping Other loan programs with down payment help or closing cost credits

Why they won

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2025 Bankrate Awards Winner Badge

Best for VA loans

Veterans United Home Loans

Veterans United Home Loans

Learn more in our Bankrate review
Highlights Specializes in VA loans Tends to offer attractive rates 24/7 customer service to assist military overseas

Why they won

Top features

2025 Bankrate Awards Winner Badge

Best for no fees

Better

Better

Learn more in our Bankrate review
Highlights No application, origination, processing or underwriting fees Conventional and some government-backed loans Three-minute online preapproval for eligible borrowers

Why they won

Top features

2025 Bankrate Awards Winner Badge

Best for low or bad credit

Veterans United Home Loans

Veterans United Home Loans

Learn more in our Bankrate review
Highlights Zero-money-down VA loans Free credit counseling for service members Plethora of online educational resources from VA experts

Why they won

Top features

2025 Bankrate Awards Winner Badge

Best for giving back

Bank of America

Bank of America

Learn more in our Bankrate review
Highlights Community Homeownership Commitment providing more affordable mortgages Down payment grants and lender credits 3,700 branches

Why they won

Top features

Explore the best of the best

Check out the 2025 Bankrate Awards winners across our top categories.