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The Refinance Companies with the
Lowest Fees and Closing Costs for
2024

The best refinance companies for low fees and closing costs.
We rated the nation's leading lenders and brokers to determine which ones charge the least for application, origination, points, and other fees.
Refinance today and save.

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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.

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Ratings Methodology for Fees

The team at Best Refinance Rates has spent hours researching rates from the top lenders to figure out which ones tend to be the most affordable. To make sure we only include the best companies in the industry, we consider the average rates, APRs, fees, and closing costs that each one offers. It’s important to keep in mind that rates will vary due to a multitude of factors, including home value, the homeowner’s credit score and employment status, and the status of the housing market as a whole. Based on our research into current trends, we’ve created the ratings and reviews you see here as convenient guides to the best refinance rates available.

Ratings Recap for Fees

Rank
Company
Score
Rank
Company
Score
Beeline
New American Funding
Rate Rabbit
AmeriSave
CapCenter Mortgage
Mutual of Omaha
Quicken Loans
Rocket Mortgage
SoFi
Zillow Home Loan
American Advisors Group
Guaranteed Rate
Mission Home Loans
Caliber Home Loans
Figure
Freedom Mortgage
loanDepot
PennyMac
Discover
Unlock
Achieve
Credible
Bankrate
Best Refi Rates
Cashout Equity
Direct Mortgage Quotes
FHA Rate Guide
LendingTree
Mortgage Rates Pro
Online Mortgage Loans
Veteran.com
AnswerJunkie
Best Refinance Rates
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BestRefinanceRates.com is a comparison website and does not directly fund nor broker loans. As such, we do not represent a single lender. Disclosure: The information on this website is not financial advice. We do not display every loan option that may be available in your area. BestRefinanceRates.com collects advertising revenue from the companies we feature. Learn more

(1) Rates vary by lender and other factors. The displayed interest rates are for informational purposes. They are calculated based on a borrower with good credit, a property value of $500,000, and a loan amount of $400,000, and do not include fees, points, or other closings costs. As such, your final rate can differ.

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