The Best Refinance Options with a
Lower Credit Score in
2022

The refinance companies that are best for borrowers with a lower credit score.
We rated the nation’s leading lenders and brokers to determine which are best for those with a credit score 640 or below.
Help build your credit by refinancing at a great rate today.

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Best Refinance Rates makes the process of finding a refinance lender more streamlined and efficient. To enable us to provide our content, we do sometimes collect revenue from our clients for consumers who visit their site from our site. We do not make any compensation for a consumer merely viewing our content. Although we sometimes adjust the ordering of which companies are profiled based on compensation, we make a point of reviewing each company independent of any compensation that may or may not be received to ensure we preserve the value that consumers enjoy from visiting our site.

Best for Lower Credit Borrowers in

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Ratings Methodology for Lower Credit Borrowers

The team at Best Refinance Rates has spent hours researching the credit score requirements of each of the top lenders in order to figure out which ones best serve homeowners with lower credit scores. To make sure we only include the best companies in the industry, we consider the lowest accepted credit scores and the rates homeowners with lower scores tend to receive from each company. It’s important to keep in mind that certain types of loans have minimum credit score requirements, regardless of the lender, which means homeowners with scores below a certain number may not be eligible until their score is improved. Based on our research, we’ve created the ratings and reviews you see here as convenient guides to the companies that have the most to offer for homeowners with lower credit scores.

Ratings Recap for Lower Credit Borrower

Rank
Company
Score
Rank
Company
Score
AmeriSave
loanDepot
New American Funding
American Advisors Group
Caliber Home Loans
CapCenter Mortgage
Credible
Guaranteed Rate
Mission Home Loans
PennyMac
Quicken Loans
Figure
Discover
Rate Rabbit
SoFi
Zillow Home Loan
Bankrate
Beeline
Freedom Mortgage
Mutual of Omaha
Assurance
Best Refi Rates
Direct Mortgage Quotes
FHA Rate Guide
LendingTree
Mortgage Rates Pro
Mortgage.net
Online Mortgage Loans
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