Beeline Review

Overall Score
4.5 out of 5
4.8 out of 5
Loan Volume
Not rated
Editorial Rating
4.5 out of 5


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.


  • Rated 4.8 on Trustpilot
  • Some of the lowest rates on the market
  • Applications are done entirely online and only take about 15 minutes
  • Homeowners maintain just one point of contact within the Beeline company, which helps keep their refinance organized
For homeowners just looking for a conventional or basic streamlined refinance, Beeline is a great choice to consider. They have low rates and a quick application that saves customers a lot of time.

Beeline Ratings

The team at considers a variety of sources and methods to determine an overall ratings score. First, a lender's Trustpilot score (or TrustScore) is factored in, when available. Truspilot, a third-party review site, is a leading source regarding customer satisfaction and consumer sentiment. From there, for lenders that publicly release their financial statements, we research loan origination volume. Loan origination volume is one way to understand a lender's solvency and transactional reliability. Next is brand strength. For lenders who have met a certain threshold of engagement on, we measure their relative popularity among our consumers. And finally, we offer our editorial ratings, which rely heavily on in-depth brand research and secret shopping.

Editor Ratings

Loan Variety
Loans Offered Include: Fixed, ARM, conventional, FHA
Though not the most extensive compared to other lenders, Beeline's loan offerings cover the basics and are relevant to most homeowners looking to refinance. Potential customers should have a basic idea of the type of loan they want before applying.*
Beeline's costs are lower than average when it comes to refinancing, in part due to their business model cutting down on operating costs as a whole. For those with a fairly good credit score that are interested in saving money, this is one company to consider.**
Customer Service
When it comes to customer service, Beeline aims to keep things simple and comfortable by assigning each homeowner one point of contact within the company when possible. Though their application is online, they have both a phone number and a chat available for anyone in need of extra help.
Company Reputation
As a newer company than most of their competitors, Beeline doesn't have as many reviews online, but the ones they do have are fairly positive. Many customers cite their personalized customer support and their simple website as making the refinance process quick and simple.
Ease of Application Process
Having a simple and stress-free application process is one of the ways that Beeline shines. It can be done entirely online and only takes about 15 minutes to complete. As a new company, they currently only operate in 11 states, but this number is increasing rapidly. For homeowners looking for a refinance option that can be done largely online, this is a great company to look into.
For Lower Credit Scores
Minimum Credit Score: 620
Beeline's credit score requirements are slightly higher than those of some other lenders, but aren't terribly strict by any means. Still, if your credit score is lower than 620, there are other lenders that may be able to better serve you.
For Higher Credit Scores
As far as pricing goes, Beeline is one of the best options around for homeowners with high credit scores. The only issue we can foresee some homeowners coming across is the lack of variety when it comes to loan types, though that is likely to improve as the company ages.

Additional Ratings

Trustpilot Rating
  • Beeline maintains a 4.8 rating on Trustpilot, despite being a newer lender with just over 80 reviews on its profile currently
  • Customers love the smaller size of this company, and the personalized customer service it offers as a result
Loan Volume Rating
Not rated
  • Beeline is not currently rated for loan volume
Editorial Ratings
  • Beeline is a newer competitor in refinance, with an innovative approach -- they try to lower the cost of business and pass those savings directly to their customers. With this in mind, low pricing as well as personalized service are two of our favorite attributes of this lender. We hope to see them expand on their loan options in the future.

Company Background

Founded in 2019, Beeline is a relative newcomer to the mortgage field that is already making an impact. They use machine learning and a commitment to simplifying the refinance process to bring homeowners a quick and painless path towards financial freedom.