Lenders reviews from Reddit
Summary
We analyzed 142 Reddit reviews across 29 subreddits and 46 posts to rank the best Lenders brands recommended by redditors, including communities like r/loanoriginators, r/Mortgages, r/FirstTimeHomeBuyer, r/madisonwi, r/Dentistry. Top-rated brands include UWM (4.4/5), Huntington (3.2/5), Guild Mortgage (5.0/5).
Stats
Reviews142
Subreddits29
Posts46
Brands96
Products10
142 reviews from
and
By Brand
/By Product
#1
UWM
4.4
(5)
"UWM I believe does not have a minimum loan amount"
"UWM"
"UWM triple match and PennyMac are extremely competitive."
"UWM with their CYP match on jumbos was the most competitive I’ve seen."
"If you get with UWM make sure you take advantage and go to one of their success tracks."
#2
Huntington
3.2
(5)
"Huntington is solid for a jumbo purchase with a low or no down payment."
"Huntington does start ups, so you may want to press that one harder."
"Huntington and 5/3rd have strong doctor loans but closing on time is an entirely different thing."
"Huntington is the only one I have right now offering a physician loan."
"Pricing with Huntington blows & they’re the only option we have."
#3
Guild Mortgage
5.0
(3)
"We used Guild Mortgage and it was absolutely flawless."
"Local Lender with Guild Mortgage here. Would love to learn more about your current mortgage."
"We used Jack Overy from Guild Mortgage."
#4
Service Credit Union
5.0
(3)
"They have a great online tool to provide you an instant quote."
"I refied out of my 30 year which was at 7.125% and in the process dropping PMI and saving me almost $1200 a month. Check them out they’ve been really great."
"I locked on a 5/5 ARM at 5.250% for a high balance loan ($883,500) with a 760+ with Service Credit Union"
#5
Provide
4.7
(3)
"Provide was great to work with for me."
"Reach out to Provide. It's a lender specifically for health care borrowers."
"BoA, Provide, Huntington, US Bank, and PNC would all be worth exploring."
#6
Windsor
4.7
(3)
"Windsor, epm, afr, newfi, kind, powertpo, stg, click n close."
"Windsor is great on operations and response and often on pricing."
"Rocket, Windsor, Kind lending, Cardinal are all good for various loans."
#7
Various Lenders
4.0
(3)
"I always recommend shopping around! Find a few that look good, compare their rates and then pick the one you feel most comfortable with."
"I reached out to big banks, credit unions, brokers and some local places in my zip code. Just make sure to compare 0-points. It can be a lot of leg work, but it's worth it as I received rates from 6.49-7.84."
"Putting more lenders in competition (time permitting) will always be a good idea (for better rates and terms, leverage). It's worth surveying a range of lenders: National (Citi, TD, Citizens), Regional (PNC), Community, and CU."
#8
Rocket Mortgage
4.0
(3)
"Our home is for sale with an assumable loan through Rocket Mortgage at 2.75%."
"Rocket was much faster so we decided on them."
"I like rocket mortgage."
#9
Lender
4.0
(3)
"Shop around and also get a statement that shows rate (once you can lock in) and lender fees."
"I might know an option that is offering pretty ridiculous jumbo rates right now."
"There is 1 lender I am aware of offering high street rates who will work on 3 paye payslips."
#10
Bank of America
3.7
(3)
"We ended up going with BoA because we got a significant discount on our rate."
"Boa gave us 5.75 with 9k credit for 7 year arm."
"BofA"
#11
Summit
5.0
(2)
"3rd for Summit."
"Summit! Adam Pelleter."
#12
CapCenter
5.0
(2)
"They gave me the lowest rate out of any lenders including WF, BoA, VACU, and Truist."
"Nobody could beat capcenter on the lowest rate."
#13
LenderMeister
5.0
(2)
"I connected with u/lender_meister on Reddit and he’s been awesome to work with. Beat our big bank by a lot and we are tracking to close next week."
"I connected with u/lendermeister here and he’s been great to work with."
#14
American Express
5.0
(2)
"Amex has the best customer service out of all my card."
"Amex - customer service leagues above the rest."
#15
Patelco
3.0
(3)
"Patelco and the options for 20% down sound solid."
"+1 for Patelco."
"Patelco is the worst. If you want to give your data to random people, do business with patelco."
#16
Deephaven
3.0
(3)
"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."
"Deephaven choked the easiest file of my life. Clients got fed up and ended up buying the house cash."
#17
RBFCU
4.5
(2)
"RBFCU by far"
"Check out RBFCU just got 5.375 for 15 year conventional. VA should be similar/better."
#18
Truist
3.0
(3)
"Truist"
"She was pitched a DR's loan from Truist and it was nothing I could even come close to."
"Truist/BMO"
#19
Union Savings Bank
4.0
(2)
"Both my son and I have had good luck with Union Savings Bank."
"Union Savings Bank... they won't sell your loan either."
#20
Meridian
4.0
(2)
"Meridian was good too deal with"
"Meridian is a good lender. I've had very good experience with them"
#21
UWCU
4.0
(2)
"Credit union like UWCU or Summit."
"We refinanced a few years ago with UWCU and it was a pretty good experience."
#22
Old National Bank
4.0
(2)
"I (and many folks I’ve recommended him to) have had good experiences with Kevin Kreeger at Old National Bank."
"We've used Bill Huemmer at Old National on two mortgages, and he has been amazing."
#23
Local Credit Union
4.0
(2)
"Much better loan because they don't require PMI in your monthly payment"
"Check a local credit union. I was offered 80% LTV by mine."
#24
Freedom Mortgage
4.0
(2)
"I used Freedom Mortgage. They got me a great rate and were easy to work with."
"If you're a veteran look at Freedom Mortgage."
#25
Local Credit Unions
4.0
(2)
"None of their rates compared to what I was getting when going to local credit unions. In the process of refi’ing down to a 5/5 ARM at 5.625%. No points to get this rate and it gets me out of escrow and PMI."
"Local credit unions."
#26
Achieve Home Loan
4.0
(2)
"Achieve Home Loan offers a fixed-rate HELOC with a minimum credit score of 640."
"Check out Achieve Home Loans who have lower fico heloc programs."
#27
Freedom
3.5
(2)
"I like PennyMac, Flagstar, Orion, Freedom."
"If you want the best pricing and are OK with so-so service."
#28
ING
3.5
(2)
"Personally - I find ING best when it comes to long term pricing. We reprice our clients loans a few times per year and ING are consistently pretty good with providing further rate discounts."
"ING | 5.89%."
#29
LMCU
3.0
(2)
"I used LMCU for my last four mortgages / refinances."
"I know I did not like working with LMCU's mortgage department."
#30
ProFed Credit Union
5.0
(1)
"ProFed Credit Union is where it’s at!!!"
#31
TD
5.0
(1)
"TD is the best."
#32
Filo Mortgage
5.0
(1)
"Nobody could beat their rates or closing costs. Building a house now and planing to refinance with them at construction close. They’re advertising 5.75% on 30 years."
#33
Veterans United
5.0
(1)
"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."
#35
Pilgrim Mortgage
5.0
(1)
"I bought with a VA loan in Dec of 2024 using Pilgrim Mortgage specifically Kaelan Cheatham. They made the process so smooth."
#36
VA Loan Network
5.0
(1)
"VA Loan Network, is owned by Veteran, Levi Rodgers in San Antonio. They will get you with a local lender and agent from his team. They were great!"
#37
Prosperity
5.0
(1)
"I recommend Prosperity. They won JD Power award for best customer service last year. Also, they will look at assets and net worth."
#38
Nations Lending
5.0
(1)
"I have a lender I refer customers to work regularly and he's great! Nic Campbell with Nations Lending."
#39
Johnson Financial
5.0
(1)
"I've been working with Chad Feller at Johnson Financial. If you're a first time homebuyer, reach out to him. He's been easy to work with."
#40
Mario the Mortgage Guy
5.0
(1)
"Mario is amazing."
#41
Cherry Creek Mortgage
5.0
(1)
"Cherry creek mortgage had some of the best rates I could find when I bought a couple of years ago."
#42
Cornerstone Mortgage
5.0
(1)
"I went with Cornerstone Mortgage, they were able to get the best rate I could find."
#43
Armed Forces Bank
5.0
(1)
"Great rates and zero lender fees. DM if needing a quick quote to compare options."
#44
Surety First Mortgage
5.0
(1)
"Heather Mackenzie and Eric Gibbs with surety first mortgage are some of the best in the business. I prefer a mortgage broker over a traditional bank or credit union, because they work to find you the best deal on the market."
#45
Regions Bank
5.0
(1)
"Katherine Sauls at Regions bank has been great! Very responsive over email, competitive rates. They also service all of their loans so you don’t need to deal with your mortgage changing companies multiple times."
#46
Panacea Financial
5.0
(1)
"Panacea Financial. Trust me on this one."
#47
FMS
5.0
(1)
"FMS I believe does $55k"
#48
RCN
5.0
(1)
"RCN will do that"
#49
Velocity
5.0
(1)
"Velocity"
#50
Temple View Capital
5.0
(1)
"You could look at temple view capital or Amwest as well"
#51
Amwest
5.0
(1)
"(Amwest will on an exception basis)"
#52
ACRA
5.0
(1)
"I believe ACRA can if I remember correctly"
#53
SCFCU
5.0
(1)
"I got my mortgage through SCFCU and was highly satisfied."
#54
Arona Muckenfuss
5.0
(1)
"She can work magic! We bought our 2nd house before selling our first house."
#55
Adam Kernan
5.0
(1)
"I love love loved Adam Kernan. I was a first time home buyer and he really looked out for me."
#56
SoFi
4.0
(1)
"I have used SoFi and Lightstream before. Let me know if you want a referral link."
#57
Various Banks
4.0
(1)
"Several banks and lenders offer doctor loans. Truist, Huntington, First Horizon, 53rd, BMO, and FNB."
#58
U.S. Bank
4.0
(1)
"We used U.S bank. Currently refinancing with them too."
#59
Three Rivers Federal Credit Union
4.0
(1)
"Three Rivers Federal Credit Union always seems to rise to the top."
#60
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."
#61
Americor
4.0
(1)
"Americor is a great company, used them to pay off debt."
#62
Freedom Debt Relief
4.0
(1)
"I used Freedom Debt Relief 4 years ago & paid off all 3 debts"
#63
Mountain America Credit Union
4.0
(1)
"My prior Fortune-30 CFO uncle recently recommended Mountain America Credit Union"
#64
Regions
4.0
(1)
"I work for Regions and can do one, we price well."
#65
Integrity Home Mortgage
4.0
(1)
"We used Integrity Home Mortgage, specifically Frank Paredez and team. Good experience."
#66
Direct Private Money Lender
4.0
(1)
"I can recommend you to a direct private money lender company, that can assist and guide you throughout the lending process."
#67
UNFCU
4.0
(1)
"UNFCU if DTI with rental income is 43 or under."
#68
Mortgage Broker
4.0
(1)
"If looking to do traditional conventional, FHA, VA then go with a broker. If jumbo, check with Big banks. If looking to do a portfolio or arm, then check with a credit union or bank."
#69
Credit Union
4.0
(1)
"Go to a credit union to lessen commissions and closing costs."
#70
VA Loan Lenders
4.0
(1)
"They are probably the two best lenders in the country for a VA loan from a comprehensive perspective. Their rates are low 6s at the moment."
#71
Top Credit Unions and Banks
4.0
(1)
"Top 10 bank/credit union originators: Mountain America Credit Union, Plains Commerce Bank, Zions Bank, JPMorgan Chase, Cyprus Credit Union, US Bank, Chartway Credit Union, University Credit Union, Northpointe Bank, Bank of Utah."
#72
Top Non-bank/Credit Union Originators
4.0
(1)
"Top 10 non-bank/credit union originators in the Salt Lake Metro in 2024: United Wholesale Mortgage, Intercap Lending, SecurityNational, First Colony, Rocket Mortgage, Kind Lending, Guild Mortgage, DHI Mortgage, My Move Mortgage, Fairway Independent Mortgage."
#73
Unloan
4.0
(1)
"Check out online lenders like unloan (owned by CBA) or up bank (owned by Bendigo) and see if you can get a lower rate there. Unloans currently offering 5.74%."
#74
Citibank
4.0
(1)
"Citizen Bank is in a pilot program run by Fannie Mae that calculates eligibility differently. We qualified under them and got $10k toward closing."
#75
Northpointe Bank
4.0
(1)
"Had pretty good rates, 6.25%"
#76
VACU
4.0
(1)
"I'd at least try VACU and Truist."
#77
Local Bank or Credit Union
4.0
(1)
"Call your local bank or credit union, ask if they lend on manufactured homes."
#78
PNC Bank
4.0
(1)
"PNC Bank is another one to check out."
#79
US Bank
4.0
(1)
"US Bank is kind of new to the space and worth considering."
#80
Redwood Trust
4.0
(1)
"Redwood trust (especially California jumbos) is typically competitive."
#81
Redwood
4.0
(1)
"Redwood is competitive today."
#82
Citizens Bank
4.0
(1)
"Citizens Bank. Relationship rate discounts up to 1% rate discount."
#83
ReadyCap
4.0
(1)
"ReadyCap"
#84
FHA
4.0
(1)
"I did a duplex with an FHA loan. I made around 50k back then a year."
#85
Now Personal Loan
4.0
(1)
"I’ve applied through the link below and was connected to a lender who approved me on a basic application."
#86
Tech CU
4.0
(1)
"Tech cu mortgage loan."
#87
Fembi Mortgage
3.0
(1)
"Fembi mortgage is one of the only wholesalers that offer physician loans. Rates seem higher."
#88
Georgia United Credit Union
3.0
(1)
"I've heard Georgia United Credit Union has one."
#89
Doctor Loans
3.0
(1)
"Physicians loans are spendy. Traditional products may be better."
#90
ME Bank
3.0
(1)
"ME Bank | 5.88%."
#91
Macquarie
3.0
(1)
"MAQUARIE | 5.94%."
#92
Bendigo Bank
3.0
(1)
"BENDIGO BANK | 5.94%."
#93
USDA
3.0
(1)
"One thing to check is whether the property is USDA eligible."
#94
Alliance Lending
3.0
(1)
"It was through alliance lending and they said this was the best out there."
#95
Physician Loans
2.0
(1)
"The last Physician loan I was able to offer sucked."
#96
Byline Bank
2.0
(1)
"The sellers broker already had a relationship with Byline bank from Chicago and they really screwed me over."
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