HomeLend Mortgage Review 2025

HomeLend Mortgage overview

HomeLend Mortgage is the consumer-direct company owned by New Jersey-based Kwik Mortgage. The lender has helped more than 10,000 borrowers with more than $4 billion in mortgages since its founding in 1998. It specializes in offering an entirely digital experience, with an online portal borrowers can use to track their applications, e-sign documents and more.

Pros and cons of HomeLend Mortgage

How Bankrate scored HomeLend Mortgage

Affordability: 4.9/5

HomeLend Mortgage doesn’t charge any lender fees and offers low down payment options, but you have to provide some information to get a mortgage rate quote. For those reasons, the lender scored 4.9 out of 5 stars for affordability.

• Interest rates: HomeLend Mortgage doesn’t display its rates online. However, you can complete a custom rate quote form with information about your credit score, estimated down payment and other factors to get a personalized estimate of your borrowing costs.
• Down payment: Down payment requirements differ by loan type. Conventional loans require a down payment of at least 3 percent, and FHA loans require at least 3.5 percent down. VA loans don’t require any down payment.
• Fees and closing costs: HomeLend Mortgage doesn’t charge lender fees, which include application and underwriting fees. The lender doesn’t display closing cost estimates on its website, but they typically cost from 2 to 5 percent of the loan amount.

Availability: 4.2/5

Because HomeLend doesn’t operate in all U.S. states, it scored 4.2 out of 5 stars for availability. 

• Home loans offered: The lender provides conventional loans, as well as some government-backed mortgages, including VA and FHA loans. It also offers refinancing and jumbo loans.
• Footprint: HomeLend Mortgage operates in less than half of U.S. states, but notably works with borrowers in California, Florida, New York and Texas.
• Where to find: The lender operates online, so you can apply for your mortgage on its website.

To help you better understand what types of borrowers are interested in this lender, here’s more information about Bankrate users who submitted a form to this lender through our site:

Borrower experience: 4.4/5

HomeLend offers a quick and simple online application and preapproval process. But the lender doesn’t display interest rates on its website, so it scored 4.4 out of 5 stars for borrower experience. 

• Application and preapproval process: The lender typically issues preapprovals in 15 minutes after you apply online. You can lock your rate, sync your bank accounts, upload documents and sign them electronically via the lender’s portal, as well. The lender also boasts closing times of three weeks faster than the national average. 
• Transparency: HomeLend Mortgage doesn’t display rates on its website. However, you can submit a request for a custom rate quote by providing some information on the lender's website.
• Customer service: You can reach customer service by phone at (888) 749-9595, by email or by filling out an online form.

HomeLend Mortgage reputation

HomeLend Mortgage has been in business for more than 20 years. The lender is accredited by the Better Business Bureau (BBB) and has an A+ rating from the organization. As a smaller mortgage lender, HomeLend Mortgage hasn’t received a J.D. Power score.

Refinancing with HomeLend Mortgage

HomeLend Mortgage's website doesn’t offer much information about refinancing options, but you can get a custom refinance rate quote by filling out an online form. As with purchase loans, there are no lender fees for refinancing.

How to apply for a mortgage with HomeLend Mortgage

You can apply for a mortgage with HomeLend Mortgage online. Here are some tips to prepare for the process:

1. Check your credit report. It’s important to check your credit report before your lender does, in case there are errors that could impact not only whether you get preapproved but also your ability to get the best mortgage rate. Knowing your credit score also helps you decide what type of loan to apply for. If your score is in the very low 600s, for instance, an FHA mortgage might be best for you, as its standards are more lenient than those for conventional loans.
2. Gather personal and financial documents. With any lender, you must supply documentation about your income, assets and debts. This includes pay stubs and W-2s and account and loan statements.
3. Provide details about the property. You’ll need to provide the address of the home and submit to an appraisal. (If you’re refinancing, you might or might not need an appraisal.)

• Methodology

  To determine a mortgage lender’s Bankrate Score, Bankrate rates lenders on a scale of one (1) to five (5) stars — with five (5) the highest rating — based on a variety of factors relating to the lender’s products and services. To assign our ratings, we assessed each mortgage lender across three core areas:

  • Affordability: Annual percentage rate (APR) - 80%; assistance for first-time homebuyers - 10%; down payment - 10%

  • Availability: Loan products - 50%; licensing - 40%; credit score - 10%

  • Borrower experience: Rate transparency - 35%; customer service - 35%; convenience - 20%; rate locks - 10%; reputation (if applicable)

  Learn more about our methodology.