RateZip Review

Overall Score
3.9 out of 5
Not rated
Loan Volume
Not rated
Editorial Rating
4.0 out of 5


RateZip is a mortgage refinance comparison site designed with you in mind. Homeowners can use this site to find the top, most relevant lenders to meet their refinancing goals.


  • Quick comparisons of several lenders at once
  • Homeowners with lower credit scores can still find multiple potential lenders
  • Results in minutes
RateZip offers homeowners a convenient place to look through potential lenders. Depending on your current financial situation and your refinancing goals, this service will give you customized lender recommendations within just a few minutes of getting started.

RateZip Ratings

The team at BestRefinanceRates.com 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 BestRefinanceRates.com, 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: Varies by lender
As a comparison option, RateZip should suggest several lenders who cover a variety of loan types.*
Fees will depend on the lender you choose. RateZip may be helpful in finding lenders with lower rates.**
Customer Service
RateZip is most helpful in providing lender recommendations, but does not provide direct assistance or customer service otherwise.
Company Reputation
RateZip itself does not have many reviews for their service
Ease of Application Process
As RateZip is a site for comparing lenders, they do not have their own application process. Homeowners will need to answer some questions regarding their home and refinance expectations in order to receive relevant lender options.
For Lower Credit Scores
Minimum Credit Score: Varies by lender
Although all lenders have their own credit requirements and costs, RateZip allows users to quickly compare several lenders at much, which can be a huge advantage to homeowners with lower credit scores.
For Higher Credit Scores
For homeowners with high credit scores, there are plenty of good lenders to choose from when it comes to refinancing. RateZip may not be necessary for you to find a lender match, but it is an option if you want a simple and fast way to compare several lenders at once.

Additional Ratings

Trustpilot Rating
Not rated
  • RateZip is not rated on Trustpilot
Loan Volume Rating
Not rated
  • As a comparison service, RateZip cannot be rated for loan volume
Editorial Ratings
  • RateZip provides lender comparisons so homeowners can quickly look through their refinance options.

Company Background

RateZip is a comparison service aimed at helping homeowners find the most relevant refinance lenders as quickly and easily as possible.