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Best Online Mortgage Lenders of 2024

Review Updated
Matt Frankel, CFP®
Author: Matt Frankel, CFP®
Matt Frankel, CFP®
Matt Frankel, CFP®
Writer, Analyst

Matt is a Certified Financial Planner™ and investment advisor based in Columbia, South Carolina. He writes personal finance and investment advice for Motley Fool Money and its parent company The Motley Fool, with more than 4,500 published articles and a 2017 SABEW Best in Business award. Matt writes a weekly investment column for the Motley Fool ("Ask a Fool") that is syndicated in USA Today, and his work with Motley Fool Money has also been syndicated to MSN and Yahoo! Finance. He has been regularly featured on Fox Business and many other major outlets. He’s a graduate of the University of South Carolina and Nova Southeastern University, and holds a graduate certificate in financial planning from Florida State University.

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Eric McWhinnie
Fact Checked: Eric McWhinnie
Eric McWhinnie
Eric McWhinnie

Eric McWhinnie has been writing and editing digital content since 2010. He specializes in personal finance and investing. He also holds a bachelor’s degree in Finance.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page.

Applying for a mortgage is easier than ever before, and many home buyers can now complete the entire process online. That means no awkward meetings at the bank -- you won't even need to change out of your pjs. (Unless you really want to.)

It's also easier to compare mortgage lenders with today's technology. Thanks to online lending, you can compare multiple mortgage lenders and pick the one that's best for you.

With that in mind, we've researched the top mortgage companies to bring you our picks for the best online mortgage lenders. Check out our shortlist below as well as a rundown of some of the most important things to know about the online mortgage industry.

Our best online mortgage lenders

Lender Best For Next Steps
Graphic of Rocket Mortgage®
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5.0/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 5.0 out of 5 stars.
5.0/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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Best For

Streamlined online application
Read Review
Award Icon 2025 Award Winner
Graphic of Better
Better
Rating image, 4.5 out of 5 stars.
4.5/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 4.5 out of 5 stars.
4.5/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Best For

No lender fees and online application
Check Rates for Better

On Better's Secure Website.

Graphic of Guaranteed Rate Mortgage
Rating image, 4.0 out of 5 stars.
4.0/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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Rating image, 4.0 out of 5 stars.
4.0/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
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Best For

Digital experience & down-payment assistance
Read Review
Graphic of loanDepot
Rating image, 4.5 out of 5 stars.
4.5/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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Rating image, 4.5 out of 5 stars.
4.5/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Best For

Refinance specialist
Read Review
Graphic of Ally Mortgage
Rating image, 4.0 out of 5 stars.
4.0/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.0 out of 5 stars.
4.0/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
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Best For

Fast pre-approval
Read Review
Graphic of Bank of America Mortgage
Rating image, 5.0 out of 5 stars.
5.0/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.0 out of 5 stars.
5.0/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best For

Diverse loan offerings and relationship discounts
Read Review
Graphic of New American Funding
Rating image, 4.5 out of 5 stars.
4.5/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
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Rating image, 4.5 out of 5 stars.
4.5/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
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Best For

Diverse options and homebuyers building credit
Read Review

Tips for comparing online lenders

Other than interest rates, here are a few other things to consider when comparing mortgage lenders:

  • Origination fees: Some online lenders have little or no origination fee; others may charge hundreds or thousands of dollars.
  • Loan types: It's important to make sure the lender offers the type of home loan you need, as not all lenders offer all types of mortgages. If you're looking for an FHA or VA loan, for example, make sure the lender offers those mortgage types.
  • Other perks: Some mortgage lenders may offer discounts for opening additional accounts (like a checking account). Others offer an online process but still have physical branches you can visit if you need in-person service.

These are just a couple of factors to consider, but the point is that you should pick the lender that fits your situation. Also, make sure a lender is licensed in all 50 states (or at least in the state you're buying a home) -- not all online mortgage lenders are nationwide.

Compare online mortgage lenders

Ratings Methodology
Rocket Mortgage®
Read Review

Best for: Streamlined online application

Rocket Mortgage®

Rating image, 5.0 out of 5 stars.
5.0/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Bottom Line

Rocket Mortgage led the transition to a full digital experience and online-only applications. Its seamless process is one reason Rocket Mortgage is consistently ranked in the top two on J.D. Power's customer service rankings. Rocket Mortgage has a robust and high-quality app that makes it easy to use.

Read Full Review

Min. Credit Score 580 FHA 620 other mortgage products 680 Jumbo

  • 580 - 680

Min. Down Payment 0%-3.5% (FHA & VA loans) 3% (conventional loans)

  • 0% - 3%

Key Features

  • Online-only
  • Low down payment options
  • Opportunities to get cash toward closing
  • High customer satisfaction ratings

Loan Types

  • Conventional
  • FHA
  • VA
  • Jumbo

Fixed Rate Terms

  • 8 - 30 years (Customizable)

Adjustable Rate Terms

  • 10/6, 7/6, 5/6
Award Icon 2025 Award Winner
Logo for Better
Check Rates for Better

On Better's Secure Website.

Best for: No lender fees and online application

Better

Rating image, 4.5 out of 5 stars.
4.5/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Bottom Line

Better has the right combination of features and perks, including no unnecessary fees, low mortgage rates, and a fast, 100% online application process. Better Mortgage does not charge lender fees such as those for origination, application, processing, and underwriting. As a result, Better states that home buyers save $8,200 and customers who refinance save $8,200 over the life of their loans.In addition, Better states that applicants can get a personalized rate and a pre-approval in minutes. This can help buyers cut their costs while saving time. The lender also offers $150 off closing costs when applying through Motley Fool Money site.

Read Full Review

Min. Credit Score 580 FHA 620 Conventional and VA 700 Jumbo

  • 580

Min. Down Payment

  • 0% - 3.5%

Key Features

  • One Day Mortgage. Lock a rate, get a Commitment Letter in 24 hours. Terms apply.
  • Close 17 days faster than industry average
  • Apply 100% online, entirely on your schedule
  • Better Price Guarantee: Better will match any valid competitor's offer, and credit you an extra $100. If Better can't, the $100 is yours to keep after you close on your loan.

Loan Types

  • Conventional
  • FHA
  • VA
  • Jumbo

Fixed Rate Terms

  • 15y, 20y, 30y

Adjustable Rate Terms

  • 5/6, 7/6, 10/6
Guaranteed Rate Mortgage
Read Review

Best for: Digital experience & down-payment assistance

Guaranteed Rate Mortgage

Rating image, 4.0 out of 5 stars.
4.0/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Bottom Line

Guaranteed Rate does a great job with ease of usability, offering comprehensive loan information during your research phase, plus the option to securely upload and digitally sign loan documents when you're ready to apply. The lender publishes its rates for different loans online, making it easy to compare options.

Read Full Review

Min. Credit Score

  • 620

Min. Down Payment

  • 0%-3.5%

Key Features

  • Customer-friendly website
  • Technology to ease the process
  • Neighborhood data

Loan Types

  • Conventional
  • FHA
  • VA
  • Jumbo
  • Interest Only

Fixed Rate Terms

  • 30y, 15y

Adjustable Rate Terms

  • 5/6, 7/6, 10/6
loanDepot
Read Review

Best for: Refinance specialist

loanDepot

Rating image, 4.5 out of 5 stars.
4.5/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Bottom Line

Among the top refinance and FHA/VA lenders in the market. Its mello smartloan™ platform eases the purchase or refinance process by digitally hooking up to confirm your assets, employment, and income. Its proprietary loan engines quickly determine the loan options that will give you the greatest potential cost and/or time savings based on the information it collects.

Read Full Review

Min. Credit Score 580 FHA 620 other mortgage products

  • 580 - 620

Min. Down Payment

  • 0%-3.5%

Key Features

  • Digital loan technology
  • Branch network
  • Customer discounts

Loan Types

  • Conventional
  • FHA
  • VA
  • Jumbo

Fixed Rate Terms

  • 30y, 20y, 15y, 10y

Adjustable Rate Terms

  • 10/1, 7/1, 5/1, 3/1
Ally Mortgage
Read Review

Best for: Fast pre-approval

Ally Mortgage

Rating image, 4.0 out of 5 stars.
4.0/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Bottom Line

Ally Mortgage is a strong fit for borrowers looking for a fixed-rate, adjustable-rate (ARM), or jumbo loan. The caveat is you probably need good or excellent credit, and you should be comfortable filing out the application online.

Read Full Review

Min. Credit Score

  • N/A

Min. Down Payment

  • 3% - 20%

Key Features

  • Fast pre-approval
  • Easy loan option comparison
  • Fully online application

Loan Types

  • Conventional
  • Jumbo

Fixed Rate Terms

  • 15y, 20y, 30y

Adjustable Rate Terms

  • 5/6, 7/6, 10/6
Bank of America Mortgage
Read Review

Best for: Diverse loan offerings and relationship discounts

Bank of America Mortgage

Rating image, 5.0 out of 5 stars.
5.0/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Bottom Line

Bank of America is one of the largest banks in the U.S., offering a wide variety of financial products in addition to its mortgages. Few lenders can match the lineup of loan products and terms. Bank of America offers a Preferred Rewards program for borrowers who have bank accounts at the bank and investment accounts at Merrill. Borrowers can qualify for an origination fee or interest rate reduction based on their eligible tier at the time of application.

Read Full Review

Min. Credit Score

  • Undisclosed

Min. Down Payment 0% VA loans 3.5% FHA 3% Conventional loans, Affordable Loan Solution® mortgage, Freddie Mac Home Possible® mortgage 5% Other loans

  • 0%-3%

Key Features

  • Wide range of financial products
  • Preferred Rewards program
  • Ability to apply entirely online
  • Loans up to $2 million

Loan Types

  • Conventional
  • FHA
  • VA
  • Jumbo

Fixed Rate Terms

  • 30y, 20y, 15y

Adjustable Rate Terms

  • 10/6, 7/6, 5/6

New American Funding
Read Review

Best for: Diverse options and homebuyers building credit

New American Funding

Rating image, 4.5 out of 5 stars.
4.5/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Bottom Line

New American Funding is one of the largest privately owned direct mortgage lenders in the country. The lender offers competitive rates. Its selection of loans and customizable loan terms is broader than many other lenders'. The lender also has a highly efficient lending process that allows for quicker closing times. What's more, New American can be a good solution for people building credit and wanting a good mortgage. It focuses on lending to underserved communities.

Read Full Review

Min. Credit Score 500 FHA 620 other mortgage products

  • 500 - 620

Min. Down Payment 0% VA 3% Conventional 3.5% FHA

  • 0% - 3.5%

Key Features

  • Fast service
  • One of the top lenders to Hispanic and Black borrowers.
  • Offer customizable loans, including home addition loans
  • High customer satisfaction, A BBB rating

Loan Types

  • Conventional
  • FHA
  • VA
  • USDA
  • Jumbo
  • Interest Only

Fixed Rate Terms

  • Customizable (8 - 40 years)

Adjustable Rate Terms

  • 10/1 and 10/6, 7/1 and 7/6, 5/1 and 5/6

How to compare online mortgages

First, make a short list of online mortgage lenders (let's say three to five) that meet your needs. Then, apply for pre-qualification or pre-approval with each. This will allow you to get an estimated rate based on your financial situation.

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TIP
Pre-qualification vs. pre-approval

Pre-qualification and pre-approval both allow you to get a customized estimate from a mortgage lender.

  • Pre-qualification is easy and won't hurt your credit score, but only provides a ballpark estimate.
  • Pre-approval will be more accurate to your situation, but will lower your credit score a little and takes more effort.

Getting either pre-qualified or pre-approved -- whichever you're comfortable with -- is an important step to comparing mortgage lenders. However, pre-approval can be a far more valuable tool when shopping for a home, as it tells sellers you're a serious buyer who is unlikely to have any issues obtaining financing for the purchase.

Why comparing rates matters so much

You might be surprised at how much of a difference a seemingly small difference in rates can make.

If you're applying for a $400,000 mortgage, the difference between 6.5% and 6.75% interest rates translates to almost $24,000 in interest savings over a 30-year fixed-rate loan term when adding up your monthly mortgage payments. Comparing pre-qualification or pre-approval offers is a good way to catch these savings before you commit to a loan.

For more information, see our guide: How to choose a mortgage lender

How to get an online mortgage

The online mortgage process depends on the bank or lender.

Some lenders allow you to complete the entire home loan process online from start to finish.

Other lenders might allow you to check your mortgage rates online and upload documentation, but might require you to speak with a loan officer by phone before your application can be processed. (Note: Due to notary requirements, closings generally still take place in person, although a lender might send someone to your home instead of making you go anywhere.)

Whatever the level of online services available, an online mortgage loan follows the same basic steps in most cases. In general, here are the steps you may encounter.

1. Check your interest rates

This is typically referred to as a prequalification, and it involves your bank or lender performing a soft credit check to verify your credit score. This does not include verifying income, employment, or assets. Typically, you can fill out a lender's prequalification form in a matter of minutes. Provided you have the lender's minimum credit score or higher, you'll then be able to see the loan products you qualify for.

2. Decide what type of mortgage loan you want

Are you looking for 15 years, 30 years, or another length? Conventional, FHA loan, VA? Select the type of mortgage loan that fits your needs and formally apply.

3. Submit documentation

You'll likely be able to do this entirely online. Many lenders will allow you to directly link to your bank accounts and other sources to make it as easy as possible.

4. Wait for verification

After you submit your documentation to your mortgage company, the lender's underwriting department will verify it. Once your documentation is verified, you'll be cleared to close.

5. Sign documents and schedule closing

Schedule your closing time and date and sign your loan documents. This will likely need to take place in person, but many online lenders will send a notary to you, so you won't have to go anywhere.

It's also worth noting that if your mortgage is a refinance loan, you'll have the added step of scheduling an appraisal of your home to confirm its value.

This happens with a purchase mortgage as well, but it's more of a behind-the-scenes step (as opposed to an appraiser coming to the home you're living in when refinancing).

Pros and cons of online mortgage lenders

Like most things in life, using online mortgage lenders has pros and cons. Here are a few things to consider.

Pros

  • Convenience
  • Efficiency
  • Loans may close faster
  • The ability to close long distance

Cons

  • Difficult to receive in-person help from a mortgage broker
  • May not be the best experience for people who are not tech-savvy
  • Not all mortgage companies have an entirely online process

What is an online mortgage lender?

An online mortgage lender aims to simplify the mortgage process by allowing people to complete the application online. Home buyers can check rates, submit an application, sign documents, and upload documents without leaving their home. And many online mortgage lenders pride themselves on closing loans in less time than the typical office-based lender or bank.

Throughout most of modern history, if you applied for a mortgage, you'd have to physically drive to a lender's office or to a bank branch. The process could be a very time-consuming experience, to put it mildly.

The lender would give you an application packet, which you'd have to fill out and return before your loan could enter processing. You'd then be given a list of necessary documents (tax returns, for example), and have to physically get them to your lender's office. Along the way, if anything needed to be modified, you'd probably have to make another trip to sign paperwork. In all, it wasn't uncommon for a home buyer to physically visit their lender's office 10 or more times -- I made at least this many visits when I bought my first house in 2011.

An online mortgage lender aims to simplify the mortgage process by allowing people to complete the application online. Home buyers can check rates, submit an application, sign documents, and upload documents without leaving their home. And many online mortgage lenders pride themselves on closing loans in less time than the typical office-based lender or bank.

Research: If you prefer a big lender, check out Motley Fool Money's research piece on the largest mortgage providers.

FAQs

  • You can get the same mortgage loan products online that you could get through a traditional lender. This includes conventional mortgages, jumbo loans, VA loans, FHA mortgage loans, and USDA loans, just to name a few.

  • There are several steps you can take. First, check the lender's profile on the Better Business Bureau (BBB) and see if you can find some customer reviews (if you can't, it's a big red flag). In addition, the Nationwide Mortgage Licensing System & Registry (NMLS) has a database of licensed mortgage brokers, where you can find information about licenses and disciplinary action against them.

  • Usually. They generally have less overhead, such as fewer office spaces and administrative employees. Their other operating costs are generally cheaper, so online mortgage lenders often pass the savings to the consumer. These savings can look like lower fees and/or more competitive rate offers when compared with traditional financial institutions.

  • The application process depends on the lender. But generally, you'll fill out a prequalification form, the lender will perform a soft credit check, and you'll be shown your loan offers. If you choose to proceed, you'll formally apply. Most online lenders let you upload all needed documentation directly through their websites.