Lender reviews from Reddit
Summary
We analyzed 154 Reddit reviews across 29 subreddits and 40 posts to rank the best Lender brands recommended by redditors, including communities like r/loanoriginators, r/vegaslocals, r/Phoenixville, r/Lubbock, r/vancouverwa. Top-rated brands include Guild Mortgage (4.2/5), Benchmark Mortgage (5.0/5), Lender (4.0/5).
Stats
Reviews154
Subreddits29
Posts40
Brands100
Products1
154 reviews from
and
By Brand
/By Product
#1
Guild Mortgage
4.2
(6)
"Phil was incredibly nice, patient, smart, and helpful."
"Also a fan of guild."
"I have two mortgages with Guild. They are pretty straightforward and easy to deal with."
"4th Guild Mortgage"
"Second Guild Mortgage"
"I got my first mortgage with Guild Mortgage"
#2
Benchmark Mortgage
5.0
(5)
"David Willoughby at Benchmark Mortgage. His office # is 859-977-5933. His a great guy."
"They are now top rated in Lubbock or I think in the country for top mortgage lenders."
"Benchmark Mortgage was amazing through the mortgage process."
"We have always used Cindy Lea at Benchmark Mortgage."
"Marty Preston at Benchmark Mortgage. He will get you the best deal."
#3
Lender
4.0
(5)
"She was a great help, very responsive."
"Check with at least 3 lenders."
"I usually recommend talking to as many as you can."
"Shop around - compare quotes."
"Who to use for a loan and build process are all dependent on the land."
#4
LoanDepot
4.5
(4)
"Love Shane Backer at Loan Depot, he's a stand-up dude and got us an amazing rate."
"Loan Depot hands down — quick & best rate"
"LoanDepot is good."
"Baret and LoanDepot isn't bad either."
#5
Rocket Mortgage
3.4
(5)
"Rocket, Amerisave, and Zillow have shown to have lowest rates of what I’ve seen."
"A lot of people are telling me to go with Rocket because UWM lost their touch with underwriting."
"They made it pretty easy and answered any and all questions I had."
"I really enjoyed rocket mortgage."
"I can recommend NOT using rocket mortgage;"
#7
Carrington
4.0
(3)
"I’m at an AE at Carrington. Definitely depends who your rep is wherever you land."
"I’m at an AE at Carrington. Definitely depends who your rep is wherever you land."
"I’m at an AE at Carrington. Definitely depends who your rep is wherever you land."
#8
Movement Mortgage
3.7
(3)
"I'd recommend starting with companies like Movement Mortgage"
"The team we had was great and we love our house."
"Movement Mortgage."
#9
Veterans United
2.5
(4)
"Veterans United and Navy Fed I got them both in a bidding war twice already. Veterans United won the first time but Navy Fed took it this last time."
"VU was 10000x easier to work with on the VA loan process than the other lender i used."
"Avoid veterans United like the plague."
"Well, i would recommend NOT working with Veterans United right out of the gate."
#10
Pinnacle Mortgage
5.0
(2)
"Mike Mundy at pinnacle mortgage. 2 purchases and 2 refis with him and he always had the lowest rate."
"I like Jim Loche of pinnacle mortgage. He stays on top of things."
#11
Loan Depot
5.0
(2)
"I would recommend him especially if you don’t really know what you’re doing."
"They gave us the best rate on two refinances."
#12
Bank South
5.0
(2)
"Cleveland Miller at bank south! I never thought I would be so excited to recommend a mortgage person."
"Jenny Terrell! She’s so friendly, teaches well, makes sure you’re covered."
#14
LenderMeister
5.0
(2)
"I connected with u/lender_meister on Reddit and he’s been awesome to work with."
"I connected with u/lendermeister here and he’s been great to work with."
#15
Huntington Bank
4.5
(2)
"Susie Edwards at Huntington Bank helped me close last year."
"I would recommend someone like Huntington Bank as they do a lot of the smaller balance ones."
#16
Fairway Mortgage
4.5
(2)
"Can’t recommend her enough!"
"I just bought a house in Vancouver and worked with Timmy Ostrom at Fairway Mortgage. I thought they were really good to work with."
#17
Local Credit Unions
4.5
(2)
"Local credit unions have always had the best rates for me."
"Have you chatted with your local credit unions?"
#18
Lubbock National Bank
4.5
(2)
"I used Lubbock national bank last September and it was the smoothest process I could have ever asked for."
"They had the lowest rates but also a lower origination fee."
#19
Deephaven
4.5
(2)
"Deephaven is our favorite. Being easy to work with has major value"
"+1 for Deephaven. Theyre priced pretty good and their UW isnt a headache as much as some other lenders."
#20
VA Loan Network
4.5
(2)
"VA Loan Network, is owned by Veteran, Levi Rodgers in San Antonio. They were great!"
"They helped my brother get approved for his VA loan with a 590 credit score."
#21
Stockton Mortgage
4.5
(2)
"Racee Green a Stockton Mortgage associate who is an expert on all things Credit and Mortgages."
"Good guy. Knows his stuff."
#22
Texas Tech Federal Credit Union
4.0
(2)
"Texas Tech FCU"
"Whitney Chaney, I believe she’s with Texas Tech Federal Credit Union right now."
#23
Homes for Heroes
4.0
(2)
"I would try Home for Heroes. They have lenders specifically designed for your profession."
"As a teacher, look into programs like Homes for Heroes or similar homebuyer assistance programs for educators in your area."
#24
Credit Union Loan
4.0
(2)
"If its something you can pay off in October in full i would recommend a credit union loan."
"Zero interest credit card or credit union loan."
#25
One Nevada Credit Union
4.0
(2)
"One Nevada has been good and easy for me as well."
"One Nevada and Silver State Schools are usually very competitive with rates as well."
#26
Pride Lending
4.0
(2)
"Pride Lending all the way!"
"Pride Lending nearly helped me with my 2nd mortgage"
#27
SoFi
4.0
(2)
"I have used SoFi and Lightstream before. Let me know if you want a referral link."
"No pre payment penalties , no fees , choose shortest loan term for cheapest interest rate."
#28
Citibank
4.0
(2)
"Citi Bank, 10 year ARM."
"Citibank usually matches/beats recent loan estimates."
#29
NBKC
4.0
(2)
"Better terms with nbkc or freedom mortgage"
"I went with Nbkc."
#30
Credit Card
3.5
(2)
"Maybe look into a credit card with a zero percent interest rate deal."
"Unfortunately your best option is open a new credit card."
#31
Credit Union
3.5
(2)
"Credit unions: eeu.org, navyfederal.org, dcu.org, penfed.org"
"Stay away from banks use a credit union."
#32
SellYouMoney.com
3.0
(2)
"We offer low documentation loans to 30 years. We offer 30 year fixed loans with various prepay options."
"We offer low documentation loans to 30 years. We offer 30 year fixed loans with various prepay options."
#33
Guaranteed Rate
2.5
(2)
"I'd recommend starting with companies like Guaranteed Rate (I used to work for them)"
"Avoid guaranteed rate like the plague."
#34
ProFed Credit Union
5.0
(1)
"ProFed Credit Union is where it’s at!!!"
#35
Brokers Advantage
5.0
(1)
"Brokers Advantage is really good on short term rental DSCR!"
#36
Westgate Capital
5.0
(1)
"Westgate Capital. Closed ahead of time, no hiccups - my AE gave me updates everyday, easy process."
#37
Newfi
5.0
(1)
"I've heard great things about Newfi, appreciate you."
#38
Baret
5.0
(1)
"Another vote for Baret."
#39
Regions
5.0
(1)
"Todd at Regions. He’s the Cowboy Crooning banker."
#40
Hans
5.0
(1)
"Hans has done several mortgage for me over the last 20 years."
#41
Atlantic Coast Mortgage
5.0
(1)
"My wife and I just had an excellent experience with Atlantic Coast Mortgage."
#42
Pacific NW Loans
5.0
(1)
"I love working with Brian Stone. His team is very efficient and almost always finish your loan docs ahead of schedule."
#43
Presidential Bank Mortgage
5.0
(1)
"I had a great experience with Kristy. Located in Maryland"
#44
WeVett
5.0
(1)
"I recently did a refi with a company I really liked. WeVett is the name."
#45
New American Funding
5.0
(1)
"I’ve had my mortgage with New American funding for close to 3 years."
#46
Mutual of Omaha
5.0
(1)
"Mutual of Omaha had the best rates I found"
#47
Credit Unions
5.0
(1)
"I work with credit unions when it comes down to loans."
#48
State Financial Network
5.0
(1)
"State Financial Network almost 50 years old."
#49
PSECU
5.0
(1)
"PSECU! They will not sell your loan and their customer service is amazing."
#50
Athens Mortgage
5.0
(1)
"Working with Jonathan Jones right now and he's been solid."
#51
Supreme Lending
5.0
(1)
"We love John Ragland with Supreme Lending!"
#52
Philadelphia Mortgage Advisors
5.0
(1)
"She has always gotten me the best rates and deals."
#53
Penn Street Mortgage
5.0
(1)
"He was the ONLY one to tell us about a first time homebuyer program."
#54
Remarkable Mortgage
5.0
(1)
"I highly recommend contacting more than one and see who the best fit is."
#55
Do Good Mortgage
5.0
(1)
"Both local, involved in the community, super educational."
#56
Homefront Mortgage
5.0
(1)
"They were great for buying and refinancing."
#57
Mortgage Solutions Financial
5.0
(1)
"They don’t have a minimum credit score and no overlays!"
#58
RWM Home Loans
5.0
(1)
"Feel free to reach out and I would be happy to put an analysis together."
#59
NJ Lenders
5.0
(1)
"Try NJ Lenders"
#60
Lend Lubbock
5.0
(1)
"I’d love to help! Been in the business for years."
#61
Zach Cook
5.0
(1)
"Zach Cook. Independent broker, has done 3 mortgages for me over the last 6 years (two purchases and a re-fi)"
#62
The Property Gurus
5.0
(1)
"I highly recommend The Property Gurus. They just handled my sister in laws and it was smooth!"
#63
TD
5.0
(1)
"TD contact I have has been amazing. Hassle free bottom rate no negotiations"
#64
Local Credit Union
5.0
(1)
"Always start with a local credit union."
#65
Cornerstone Community FCU
5.0
(1)
"Credit union [https://cornerstonecommunityfcu.mymortgage-online.com/Rates.html]"
#66
Cooperative Lending Institutions
2.0
(2)
"Please, gods, no, we have cooperative lending institutions for this."
"Chase is the epitome of evil. Please, gods, no, we have cooperative lending institutions for this."
#67
U.S. Bank
4.0
(1)
"We used U.S bank. Currently refinancing with them too."
#68
Three Rivers Federal Credit Union
4.0
(1)
"Locally in Fort Wayne, Three Rivers Federal Credit Union always seems to rise to the top."
#69
LendingClub
4.0
(1)
"I used LendingClub. They are online. Mine was to pay off credit cards that I could only make minimum payments on. 7% interest instead of 24%+ makes a big difference."
#70
LightStream
4.0
(1)
"I have used SoFi and Lightstream before. Let me know if you want a referral link."
#71
Lendsure
4.0
(1)
"I prefer to use Lendsure and Change Wholesale."
#72
Change Wholesale
4.0
(1)
"I prefer to use Lendsure and Change Wholesale."
#73
Americor
4.0
(1)
"Americor is a great company, used them to pay off debt."
#74
Freedom Debt Relief
4.0
(1)
"I used Freedom Debt Relief 4 years ago & paid off all 3 debts, one was a huge credit card debt & now my credit score is really high"
#75
Lending Pros
4.0
(1)
"Lending pros seem to have the best rates"
#76
DH
4.0
(1)
"I have sent maybe 35 file to them over the last year. They were a pain on maybe 5 or fewer."
#77
Cake TPO
4.0
(1)
"CakeTPO. They do every non-qm product out there minus a very select niche few."
#78
LendZ Wholesale
4.0
(1)
"Look into LendZ wholesale. Not always the best DSCR rates but my rep is awesome."
#79
Open Wholesale
4.0
(1)
"A lot depends on how good your account rep is. Open Wholesale, Deephaven, and ARC."
#80
ARC
4.0
(1)
"A lot depends on how good your account rep is. Open Wholesale, Deephaven, and ARC."
#81
Brokers Advantage Mortgage
4.0
(1)
"I have a really solid AE over there who’s really cool and very knowledgeable."
#82
Windsor
4.0
(1)
"Windsor always sharp conv and VA and EPM great for govie."
#83
Sierra Pacific
4.0
(1)
"Sierra Pacific has been really solid for me, also Newfi."
#84
NFM Lending
4.0
(1)
"Craig Kam with NFM Lending. Used him in Maryland not 100% sure about Virginia."
#85
FILO
4.0
(1)
"I just bought with FILO, they are out of conshohocken."
#86
Vantage Mortgage Group
4.0
(1)
"Andy Harris at Vantage Mortgage Group."
#87
Trident
4.0
(1)
"I almost went with another company called Trident. Seemed really good too."
#88
Phoenixville Federal
4.0
(1)
"They are very upfront about their rates."
#89
PennyMac
4.0
(1)
#90
CrossCountry Mortgage
4.0
(1)
"The team there is very knowledgeable and will hunt for grants and assistance."
#91
Georgia United Credit Union
4.0
(1)
"Low fees and great to work with!"
#92
IQ
4.0
(1)
"My experience with IQ has been really positive."
#93
SF Federal Credit Union
4.0
(1)
"SF FCU is at 6.125"
#94
Scotiabank
4.0
(1)
"Scotia uses 50% of rental income to qualify which is generous."
#95
SBA
4.0
(1)
"SBA through most likely your bank is your best shot."
#96
UNFCU
3.0
(1)
"UNFCU if DTI with rental income is 43 or under."
#97
Loan Factory
3.0
(1)
"Loan Factory"
#98
Freedom Mortgage
3.0
(1)
"End up sourcing with Freedom Mortgage. Not horrible, not great."
#99
Newpoint Mortgage
3.0
(1)
"Newpoint Mortgage"
#100
Pacific Lending
3.0
(1)
"They were pretty helpful."
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