The Best Mortgage Refinance Companies Rated for 2024

Ratings

American Advisors Group

American Advisors Group (AAG) focuses on reverse mortgages and refinances for people 62 and older. They place an emphasis on the importance of their customers having a secure retirement, and their goal is to provide a simple and beneficial refinance and reverse mortgage experience to all homeowners they work with.

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AmeriSave

One of the biggest names in refinance, AmeriSave provides an affordable and easy refinance experience to homeowners across the U.S. With nearly two decades in the business and over 309,000 homes financed, they're an established company that aims to simplify the lending process as much as possible for the homeowners they work with.

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Bankrate

With more than 40 years in the finance industry, Bankrate maintains a long tradition of providing financial tools to everyday people. If you're looking for a smarter way to shop refinance, their comparison service may be the right choice.

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Beeline

Beeline's goal is to make refinancing accessible to all homeowners. By keeping the whole process online, and removing much of the usual difficult jargon and lengthy turnarounds, their services represent a new wave in lending.

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Best Refi Rates

Best Refi Rates is a comparison service that brings lenders to homeowners. Homeowners looking for good deals on refinancing can fill out the form on this site and be contacted directly by lenders.

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CapCenter Mortgage

With over 25 years in the mortgage sector, CapCenter Mortgage has continued to offer high-quality customer service and loan options to homeowners in Maryland, North Carolina, South Carolina, Virginia, and the District of Columbia. If you're interested in a helpful support network and some of the best rates on the market, look no further.

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Credible

Credible is a refinance loan service that allows homeowners to see offers from multiple lenders at once. Once a homeowner chooses a loan through them, they can complete the entire refinance process on the Credible site, with easy access to personal assistance available at any time. Their comparison system and quality customer service cut down on research time and add clarity to an otherwise complicated process.

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Discover

When it comes to refinance loans, Discover aims to provide a transparent financial service that gives customers the freedom to achieve their goals. Whether you need to lower your monthly rates or need cash to pay for home improvement projects, Discover can help.

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Figure

Figure aims to make refinancing faster and simpler than ever with their 100 percent online applications. They work to process loans faster than other companies, while allowing their customers to apply entirely from the comfort of their own home. While they may be a newer company, they've quickly made a name for themselves in the mortgage field.

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Freedom Mortgage

Freedom Mortgage is a lending company with all of the standard refinance loans at affordable rates. They place an emphasis on helping veterans and current members of the military, and are especially known for their VA loans.

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Guaranteed Rate

Since 2000, Guaranteed Rate has been providing quality loan products and customer service to homeowners across the country. Their efficient application process, helpful team of licensed professionals, and wide variety of loan options make them a great option for those looking to refinance.

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loanDepot

LoanDepot is a California company that offers services in the mortgage loan sector. They aim to provide financial support that is unbiased and beneficial to the homeowners and future homeowners they work with.

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Mission Home Loans

Mission Loans aims to provide a customer-centric home loan experience. With an extensive variety of loans, minimal fees, and highly-rated customer service, they're certainly an option any qualifying homeowner should consider for their next refinance.

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Mutual of Omaha

At over 100 years old, Mutual of Omaha is a longstanding company in the financial field that continues to work to provide fair and beneficial services to their customers. Through their Patriot's Charity Initiative, they endeavor to give back to the military men and women that serve this country.

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New American Funding

New American Funding was started with the goal of making it possible for every American to finance the life they want. Through their affordable rates, customizable loans, and quality service, they make refinancing accessible to everyone.

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PennyMac

PennyMac strives to provide homeowners with an easy refinancing solution. They have loans to suit anyone's needs and aim for helpful customer service and transparency throughout the lending process and thereafter.

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Quicken Loans

With an entirely online application, Quicken Loans was one of the first companies to make refinancing as easy as it is today. They focus on maintaining a high standard of customer service while providing as many options as possible to homeowners as they choose the right loan refinance for their needs. Now one of the biggest mortgage loan lenders in the country, Quicken Loans strives for excellence with every loan they approve.

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Rate Rabbit

Using unique loan pricing technology, Rate Rabbit strives to make refinancing as convenient and affordable as possible, while emphasizing transparency throughout the process. They offer guaranteed rates and fees, a quick quote option that does not require personal information, and the assistance of non-commissioned loan experts who can provide unbiased help at any time. With over 80 percent of their customers being either repeat or referred customers, it's clear that their services are striking a chord with homeowners.

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Rocket Mortgage

As one of the first lenders to focus on online loan applications, Rocket Mortgage has long been revolutionizing the home loan industry. Along with convenience, they offer fantastic customer service and unbeatable loan options to each of their customers.

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SoFi

SoFi's goal is to provide their 1,000,000+ customers with financial independence in a convenient and empowering way. With U.S.-based customer service, an easy-to-use app, and a range of extra member benefits at no extra cost, homeowners that choose to work with SoFi for their refinance can anticipate a positive and professional experience.

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Zillow Home Loan

Zillow Home Loans is a direct lender for mortgages and refinances that aims to make the loan process both simple and affordable. With Zillow Group behind them, Zillow Home Loans has the real estate expertise and financial stability to cement their name as one of the giants in the industry. Homeowners looking for an easy, trustworthy lender with a name they recognize as well as largely positive customer reviews need look no further.

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Our Ratings Methodology:

The Best Refinance Rates team assigns ratings to the companies we feature in the following categories: fees, loan variety, customer service, company reputation, ease of application, suitability for lower credit scores, and suitability for higher credit scores. With decades of experience and hours of in-depth research to back us up, our ratings accurately reflect the strengths and weaknesses of each company. With these ratings, we hope to provide clear and helpful information on the factors that truly matter when it comes to picking a refinancing company.