Mortgage Lender reviews from Reddit
Summary
We analyzed 289 Reddit reviews across 51 subreddits and 71 posts to rank the best Mortgage Lender brands recommended by redditors, including communities like r/pittsburgh, r/cincinnati, r/Columbus, r/missoula, r/FirstTimeHomeBuyer. Top-rated brands include Guild Mortgage (4.7/5), Rocket Mortgage (3.8/5), Dollar Bank (4.9/5).
Stats
Reviews289
Subreddits51
Posts71
Brands100
Products1
289 reviews from
and
By Brand
/By Product
#1
Guild Mortgage
4.7
(11)
"We’ve mortgaged 2 homes with her."
"He helped us go through a program that got us a lower interest rate."
"I like Jerimiah Eck at Guild Mortgage"
"He & his team were flawless."
"We used Guild when we purchased 2 years ago"
"I cannot more highly recommend Jill Margetich with Guild Mortgage. She was amazing and I would definitely start with her."
"Was amazing for us!!"
"I refinanced with Guild almost 3 years ago and all my payments and correspondence still seem to go to them."
"They did right by me as well back in the day."
"I have had no problems with Guild Mortgage."
#2
Rocket Mortgage
3.8
(13)
"We had a great experience with Rocket Mortgage."
"Rocket Mortgage for us was great. Very easy to work with."
"I was really impressed with Rocket Mortgage and how quickly and professionally they handled my entire mortgage process & low rates."
"I would look at rocket mortgage, penny mac, lower."
"Has treated us well and was very easy."
"I had good luck with rocket mortgage"
"You can use my referral for rocketmortgage, and get some discount."
"We just did a refi with Rocket Mortgage not too long ago. They were fairly easy to work with."
"Rocket mortgage"
"We found our loan officer through Rocket Mortgage."
#3
Dollar Bank
4.9
(9)
"Personally I’ll go through Dollar Bank or PSECU when it comes time, everyone who uses Dollar has nothing but positive experiences and great rates."
"We use dollar bank. I like them because they actually hold their own mortgages."
"Another vote for Dollar. They had the best rates and walked with us through the entire process."
"Second the best rate from Dollar Bank here (and lowest closing fees)."
"Dollar Bank has been excellent for us."
"I worked with a woman named Randi Weinstein at dollar bank. She was great to get the mortgage and continues to answer emails and questions I have had through the years."
"I have had two mortgages with Dollar. When you call them with a question or issue, unlike many other banks, you talk to someone local who knows their job and cares."
"Dollar bank gave me the best rate when I shopped around."
"We have Dollar Bank. Their website is slow but I rarely log in so no big deal there."
#4
CrossCountry Mortgage
4.8
(9)
"Walter Gorman at CrossCountry Mortgage. Closed my deal in less than 30 days and gave me a rate no one could match."
"Walter Gorman at CrossCountry Mortgage saved us from a bad situation."
"I used Walter Gorman at CrossCountry Mortgage he was great. Always answered call and got us the best rate we could find."
"Steph Noble. Have worked with her four times, for purchasing and for refinancing."
"I’d recommend Brandon Taylor at Cross Country Mortgage"
"Cross country was great!"
"Cross country mortgage, ask for Anthony Scopellitti or CJ Lambiasi The best"
"CC is good. As a NJ agent I’d also suggest Guaranteed Rate."
"Cross Country Mortgage will probably give you same rate, but having one of the smaller lenders tends to be better than the monoliths."
#5
Movement Mortgage
4.6
(8)
"I used Movement Mortgage when I bought my first house in 2021. They were fantastic."
"I had a great experience with Movement Mortgage."
"Go with the best service and best name because that's your Golden Ticket."
"Page Jacobson at Movement Mortgage. He's the Southpark Manager and top producer."
"Sherri Howard with Movement Mortgage."
"Have been really happy with them."
"I had a nice experience w/ Movement Mortgage in the south hills. Super responsive."
"We used them and had a fine time. We got a great rate and they were available 24/7."
#6
LoanDepot
4.5
(8)
"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"
"We went through Loan Depot and had a great experience!"
"We also used Loan Depot, and they were great."
"Dean Curtis at Loan Depot. He gave us so much advice and education."
"LoanDepot is good."
"Loan Depot was great to help me source the best rates and terms."
"LoanDepot"
#7
Mortgage Broker
4.3
(7)
"You will get some of the best rates out there."
"Try a mortgage broker. Make him/her do the legwork."
"Mortgage broker is your best call."
"The broker eventually got them a good deal with a lender who didn't want to talk to them directly."
"Try and find a mortgage broker they can search through many lenders and find something that fits your situation."
"I would see a mortgage broker. Anything outside of the norm or a bit specialist then a broker will be your best bet."
"Find a mortgage broker (local or not doesn’t matter) and have them quote you."
#8
NFM Lending
4.7
(6)
"Craig Kam with NFM Lending. Used him in Maryland."
"NFM lending, they were great for me."
"I work with Danny Allbritton."
"They just moved offices off W Cary in the city."
"I've used Rodney Anderson."
"Jesse Perrone from NFM Lending."
#9
Third Federal
4.5
(6)
"Third Federal was great to work with, no complaints."
"Will get you the best rate most likely."
"Is solid."
"Third Federal had one of the best rates when we looked two years ago."
#10
Mann Mortgage
4.6
(5)
"Cory Henderson at Mann Mortgage."
"I used Matt Gehr from Mann and have been very happy."
"Matt Gehr at Mann Mortgage has been incredible. Highly available , communicates great but not overbearing and super knowledgeable."
"I heard good things about Mann Mortgage but ultimately we went with Tony at First Security bank."
"Check out Mann mortgage. I know a great guy that likes the work life there"
#11
Union Home Mortgage
4.2
(5)
"We used Union Home Mortgage and really liked them."
"Union Home Mortgage is pretty great."
"Union Home Mortgage."
"Union Home Mortgage"
"Both great people."
#12
Loan Depot
5.0
(4)
"I would recommend him especially if you don’t really know what you’re doing."
"They gave us the best rate on two refinances."
"Very good experience."
"Can’t recommend Nancy Denicola at Loan Depot enough."
#13
SECU
4.8
(4)
"Credit Union, Credit Union, Credit Union."
"They won't sell your mortgage!"
"I’d recommend them."
"We had a really good experience."
#14
Union Savings Bank
4.5
(4)
"They were great during the process."
"Frank DiBella at Union Savings"
"Union savings, third federal, or first federal of lakewood."
"[Union Savings Bank](https://usavingsbank.com/) has checked all the boxes for me in the past along with low closing costs."
#15
NBKC
4.5
(4)
"Better terms with nbkc or freedom mortgage."
"Joe Davis with NBKC! I just worked with him and closed in 23 days as a FTHB."
"I had a good experience working with NBKC."
"So far it’s been good."
#16
Better.com
4.3
(4)
"Better will match others and give you $100 credit on top."
"Better gave me the best rate."
"Check out www.better.com - their rates are very competitive and an easy way to get a baseline quote."
"Rates were good, almost the best."
#17
First Home Mortgage
5.0
(3)
"I really liked First Home Mortgage and Fulton Mortgage Company."
"Great experience all around and always got the lowest possible rates."
"Just closed on a house using [Tom Cumpston](https://firsthome.com/loan-officers/tom-cumpston/) with First Home Mortgage."
#18
Credit Union
5.0
(3)
"I’d personally try to stay local with a well established credit union."
"If you are a credit union member, or can become one, credit union offers the best."
"100% shop around by my credit union was the best deal when I bought my home a few years ago."
#19
Welcome Home Finance
5.0
(3)
"We've used Welcome Home Finance a couple times, and they are excellent. Exceptional rates, good communicators."
"We used Welcome Home Financing, they were great to work with, and even showed up to the closing with a swag bag."
"I've used Jim Franco with Welcome Home Finance like three times, and would work with him again. Rates were good, everything happened when it was supposed to happen."
#20
PNC
3.5
(4)
"PNC gave me the best rate by far when I bought."
"We’ve had great luck with PNC and especially like the fact they don’t resell."
"PNC is trying to be competitive, HSBC also playing here."
"Yeah we have PNC. Only because they gave us 2.75% when our other mortgage offers were at like 3.2 but the process was awful."
#21
Benchmark Mortgage
4.7
(3)
"David Willoughby at Benchmark Mortgage. His office # is 859-977-5933. His a great guy."
"Benchmark mortgage did good by me."
"He will get you the best deal."
#22
USAA
4.7
(3)
"If doing a VA loan, USAA is the best versed lender on the nuances of VA."
"Every service member I know swears they're unbeatable both in rate and customer service."
"I've worked with USAA and Fifth Third. I was happy with both."
#23
Rapid Mortgage
4.7
(3)
"I used Rapid Mortgage and had a great experience!!"
"Did a fantastic job for me."
"I had good luck with Rapid Mortgage when we closed."
#24
PSECU
4.7
(3)
"They will not sell your loan and their customer service is amazing."
"Seconding PSECU. They were so easy, are super responsive, and iirc the realtors/settlement agency hadn't done much with them before and kept commenting on how good (cheap!) their terms were for me."
"PSECU is my credit union (and has been my entire life). Their mortgage rates were actually significantly worse than the one I ended up going with!"
#25
Guaranteed Rate
4.7
(3)
"Check out Guaranteed Rate. They have creative programs."
"Check guaranteed rate. Worked great got us."
"Guaranteed Rate is the big one in Chicago... I worked with them when I bought 9 years ago, and they were pretty easy to work with."
#26
Guardian Savings Bank
4.7
(3)
"Check out Guardian Savings Bank in Fort Wright/Park Hills. Very easy to work with and they kept my loan 'in house' as a portfolio loan."
"Has treated me quite well."
"Easy"
#27
Bank of England
4.3
(3)
"I’ve worked with Helen Ruehmer at Bank of England several times. She’s a wizard!"
"Bank of England."
#28
AJM Mortgage
4.3
(3)
"Came to recommend the same. My mortgage is thru them!"
"We used AJM and they are local. Our agent was able to find us a loan that met our budget at a great rate."
"Give AJM Mortgage a try. They are brokers, not a bank, but they can show you a lot of options from a lot of lenders."
#29
Huntington Bank
4.3
(3)
"Super competent and efficient."
"We are going on 2 years now with a mortgage from them."
"I've had a pretty good experience with Huntington Bank."
#30
PennyMac
4.3
(3)
"If using VA loan, talk to PennyMac."
"PENNYMAC."
"Why broker? Directly call pennymac they give best rates."
#31
Cross Country Mortgage
4.3
(3)
"Crosscountry Mortgage, local in collegeville and the team there is very knowledgeable."
"Steph Noble at Cross Country Mortgage."
"I ended up going with cross country mortgage because they were partnered with my realtor."
#32
LMCU
4.0
(3)
"LMCU. Dave Stellin. Don’t expect touchy feely but he knows what he’s doing."
"Able to get us a pretty sizable lower rate."
"LMCU might be a good option but i would get a few quotes so you can make them match the lowest offer."
#33
HSBC
4.0
(3)
"My HSBC mortgage consultant has honestly been amazing."
"HSBC. Credit Unions -Star Credit."
"I found HSBC competitive."
#34
NEFCU
4.0
(3)
"HOME program where you get downpayment assistance."
"Overall I had a much better experience."
"Their program is good in general."
#35
Wells Fargo
2.8
(4)
"Carmela Stenroos at Wells Fargo. She is incredible. Got our mortgage done start to finish in 16 days."
"Wells Fargo has the best relationship pricing. They allow to use it for down payment as well."
"Definitely skip Rocket and Wells."
"Wells Fargo was a joke, both the service and "
#36
Bank of America
3.3
(3)
"I can't recommend a lender other than to say go with whoever gives you the best rates."
"BoA counted my down pay towards qualifying for the highest relationship bonus tier. I went with BoA jumbo 5.25% 7/yr ARM."
"2nd recommendation is to stay the hell away from big bank."
#37
CMG
5.0
(2)
"Bought my house last year with his help and it was super smooth."
"He's very good at explaining stuff to first time home buyers."
#38
Summit Funding
5.0
(2)
"He has been awesome! Response to our messages in a very timely manner."
"He has been awesome! Response to our messages in a very timely manner."
#39
American Federal Mortgage
5.0
(2)
"Check out Cesar at American Federal Mortgage very good rate no points no broker fees either and everything is done in house so very smooth."
"They are lovely, professional, and helpful."
#40
Freedom Mortgage
5.0
(2)
"Better terms with nbkc or freedom mortgage."
"Everything was made amazingly smooth."
#41
Guaranteed Rate Affinity
5.0
(2)
"They were great and very professional."
"They will get quotes from multiple lenders."
#42
American Security Mortgage
5.0
(2)
"Work with Christina Bramhall Mauney. Super efficient with responses."
"We are going through Erin Finnen at American Security Mortgage."
#43
Holland Mortgage Advisors
5.0
(2)
"We used Kathy Ferguson with Holland Mortgage Advisors for both our home purchases and were really happy with her."
"Highly recommend Holland mortgage advisors. Very responsive and fast, competitive rates and great people to work with."
#44
Ally
5.0
(2)
"I was floored with how quick and easy they were."
"We had a wonderful experience their online portal made everything super easy."
#45
Nations Lending
5.0
(2)
"I have a lender I refer customers to work regularly and he's great! Nic Campbell with Nations Lending."
"We partner with a lender at Nations Lending that provides downpayment assistance programs that are very helpful!"
#46
Equity Resources
5.0
(2)
"Second Equity Resources, excellent customer service and great rates"
"We’ve used Equity Resources for two houses and always had excellent service."
#47
Eagle Bank
5.0
(2)
"Was a delight to work with."
"They made the process super easy."
#48
Prime Lending
5.0
(2)
"She handled our home purchase and a recent refinance."
"We had a great experience with Patti Click and I always recommend her to people!"
#49
Local Broker
5.0
(2)
"I used a local broker and they had a few first time home buyer programs available."
"Find a local broker, let them shop it for you."
#50
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 used to be at BOE when we used her and now she’s at bank south."
#51
Fairway Mortgage
5.0
(2)
"Can’t recommend her enough!"
"I thought they were really good to work with."
#52
Broker
5.0
(2)
"I used a broker for my process and am unsure if it's something you would be interested in."
"If you're not opposed to a mortgage broker, I know a wonderful guy that will make sure you fully understand every aspect."
#53
Aserta Loans
5.0
(2)
"Aaron Polk and the team were great, helping us get a rate far lower than anybody else."
"AsertaLoans is your lender. Aaron Polk and the team were great."
#54
Summit Mortgage
5.0
(2)
"She has helped my family, friends and coworkers for the past 10 years."
"I cannot recommend him highly enough."
#55
Midwest Family Lending
5.0
(2)
"He is amazing."
"Goes above and beyond every time."
#56
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."
#58
Benchmark
5.0
(2)
"We've used Shane Sharp with Benchmark on both of my personal mortgages."
"The bright spot in the home buying process."
#59
PHFA
5.0
(2)
"The program that I was talking about in my comment in this thread is through PHFA! We used the downpayment assistance program to buy our first home last year and I’ve closed a lot of deals using it this year."
"If your a first time home owner I highly recommend http://phfa.org/"
#60
Quintessential Mortgage Group
3.0
(3)
"This will be our 3rd time using them. They are phenomenal."
"Quintessential mortgage group"
"I actually had an awful experience with quintessential mortgage group."
#61
Citibank
4.5
(2)
"Citibank really helped me out back in September. Got me a 5.875 ARM while everyone else was in the 6s."
"Jumbo Loan you'll find better rates at a large money center bank like Chase, CitiBank, Wells Fargo. I like Matt Search at CitiBank."
#62
CapFed
4.5
(2)
"CapFed"
"Good rates, low closing cost, and they do not sell your mortgage."
#63
ProFed
4.5
(2)
"Me a much better rate than even 3 Rivers."
"ProFed"
#64
Independent Bank
4.5
(2)
"Pete and Julie do a great job and know their stuff! I’ve referred them to plenty of clients."
"Clear communication, pretty competitive rates and fees."
#65
Guardian Savings
4.5
(2)
"They were awesome to work with."
"Smaller but smooth dealing."
#66
Wyndham Capital
4.5
(2)
"Wyndham Capital...it was bought out by SoFi but still an excellent lender."
"Wyndham Capital...it was bought out by SoFi but still an excellent lender."
#67
Veridian Credit Union
4.5
(2)
"Had the best rates."
"Has been great!"
#68
Old National Bank
4.5
(2)
"Old National Bank. Craig G. Is the best and totally honest and will help create the right mortgage for you even if it’s not with Old National."
"Old National (formerly First Midwest Bank) has been a good lender to me. I found their rates and fees to be extremely competitive."
#69
Stockton Mortgage
4.5
(2)
"Super nice and knowledgeable."
"Good guy. Knows his stuff."
#70
Supreme Lending
4.5
(2)
"We love John Ragland with Supreme Lending!"
"I recommend Genessys from Supreme Lending!!"
#71
Northpointe
4.5
(2)
"If someone has a better rate, just sent the quote to Northpoint, and they will match it."
"I just refied with Northpointe and it was pretty easy. They seemed to over communicate next steps through automated messages which was nice."
#72
Lake Michigan Credit Union
4.5
(2)
"The easiest and smoothest mortgage process I’ve been through."
"My friend/coworker who just bought her first house and had a great experience with them."
#73
Green State
4.5
(2)
"Got us lowest rates."
"Was pretty good tbh."
#74
Credit Union of America
4.5
(2)
"They are marvelous."
"Since they're local and self service the loan/it won't be sold to random companies."
#75
Local Credit Union
4.0
(2)
"Much better loan because they don't require PMI in your monthly payment"
"With 20% down they underwrote it themselves and approved me pretty easily."
#77
U.S. Bank
4.0
(2)
"We used U.S bank. Currently refinancing with them too."
"Had a good experience with US Bank recently - they have a new program for a 0.25% discount if you move 250k over."
#78
Apollo Trust
4.0
(2)
"Apollo Trust holds my mortgage and at the time their rate was good and their closing costs were same as others in the market."
"I had a great experience with Apollo Trust"
#79
First Commonwealth
4.0
(2)
"We did our refi during Covid through First Commonwealth and found the process to be great, had a very good rate and smooth transaction."
"I had a good experience with First Commonwealth."
#80
S&T Bank
4.0
(2)
"Try S&T bank. We got a 6.625%. Excellent credit, no debts. They replied immediately, very efficient."
"I use S&T bank. Closing was easy and I’ve had no issues so far."
#81
Meadowbrook Financial
4.0
(2)
"Meadowbrook financial Gabrielle."
"Brian Tom from Meadowbrook financial."
#82
PenFed
4.0
(2)
"Penfed.org usually has the lowest rate."
"PenFed is a good option also."
#83
217 Mortgage
4.0
(2)
"Shay Moore with 217 Mortgage - [email protected]"
"I've had a great experience with Shay Moore at Two One Seven Mortgage."
#84
Local Credit Unions
4.0
(2)
"They tend to have the best or are very close to the best rates."
"They'll each treat you far better than any bank."
#85
Opportunity Bank
3.5
(2)
"Opportunity Bank has been good for me."
"Opportunity Bank was super responsive but then ghosted us once they realized we shopping around and had a rate that blew theirs out of the water."
#86
Fairway
3.5
(2)
"Josh Penland and his team at Fairway."
"Fairway and Cross Country. I’ve already reached out but just curious if there’s other good ones."
#87
Credit Unions
3.5
(2)
"Try credit unions."
"The rate is not the best but you insulated from the rate increases happening atm."
#88
Ruoff
3.0
(2)
"Ruoff"
"Avoid Ruoff like the plague."
#89
Planet Home Lending
3.0
(2)
"I have had a good experience with PH."
"DO NOT go with planet home lending. Look up predatory lenders and see what comes up and avoid those places like the plague."
#90
Clearwater
3.0
(2)
"Clearwater rates could not compete but was nice to work"
"Clearwater"
#91
Veterans United
3.0
(2)
"Try Veterans United"
"Just today I was working with Veterans United. They kept adding hoops to jump through for redundant information which really irritates me."
#92
Autumn Financial Group
5.0
(1)
"Dominick at Autumn Financial Group in Traveler's Rest, SC. Top notch human being."
#93
First Meridian Mortgage
5.0
(1)
"Kevin was able to get him 5.675% on 30 yr VA. Fees were super low."
#94
Advantage
5.0
(1)
"Mark Aalto at Advantage was extremely helpful as a first-time homebuyer and does refis."
#95
Prosperity Home Mortgage
5.0
(1)
"I started out at prosperity home mortgage and they were fantastic."
#96
Willamette Falls Financial
5.0
(1)
"This dude had the best rate we could find, and also the lowest fees. Really fast and good service too."
#97
Cornerstone Mortgage
5.0
(1)
"I went with Cornerstone Mortgage, they were able to get the best rate I could find."
#98
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"
#99
USF Credit Union
4.0
(1)
"I transferred over to USF credit union and they were great for my mortgage."
#100
Fairway Independent Mortgage Corporation
4.0
(1)
"Fairway independent mortgage corporation is another option to explore."
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