Mortgage Lenders reviews from Reddit
Summary
We analyzed 201 Reddit reviews across 33 subreddits and 36 posts to rank the best Mortgage Lenders brands recommended by redditors, including communities like r/bloomington, r/BayAreaRealEstate, r/VeteransBenefits, r/missoula, r/Cleveland. Top-rated brands include Rocket Mortgage (3.7/5), Guild Mortgage (4.5/5), IU Credit Union (3.8/5).
Stats
Reviews201
Subreddits33
Posts36
Brands96
Products10
201 reviews from
and
By Brand
/By Product
#1
Rocket Mortgage
3.7
(10)
"I used Rocket for mine and had no issues."
"The app they have to submit paperwork is the best out there."
"His attention to details and helping me step by step through the process made me a repeat customer"
"I've had zero issues with Rocket."
"Rocket mortgage can be hit or miss, but we had a great experience with them on our current mortgage."
"Rocket was much faster so we decided on them."
"Most local vendors will just sell your mortgage to another big vendor after closing. Go with a big name like rocket mortgage."
"I used rocket mortgage. I went to a physical location."
"Rocket has some of the worst rates in the market"
"Online lenders like Rocket and Better will draw you in with low rates, but the process usually isn’t great."
#2
Guild Mortgage
4.5
(8)
"It was absolutely flawless."
"Local lender offering assistance with mortgage and refinance options."
"The wife and I bought a home last fall and we were first time buyers as well."
"Melanie Hernandez with Guild Mortgage!"
"I refinanced with Guild almost 3 years ago and all my payments and correspondence still seem to go to them."
"Pretty sure guild is a broker that sells to chase. They did right by me as well back in the day."
"I have had no problems with Guild Mortgage."
"I used guild mortgage for a wilco house near that and don’t have any complaints."
#3
IU Credit Union
3.8
(9)
"Used IU Credit Union for my mortgage, easy to work with AND they did NOT sell my mortgage to another institution."
"Positives of IUCU: generally lower rates, ARM loan offerings, most loans retained for in house servicing."
"+1 for IU Credit Union!"
"Having the loan serviced by IUCU is worth the extra expense to us."
"We used IU Credit Union because they service their loans in-house rather than sell them."
"We used IU Credit Union and they were terrific to work with."
"I've since refinanced through IU Credit Union and they've been generally very pleasant to deal with."
"We had enough and moved all our accounts and our mortgage to IUCU."
"IUCU offers loans that they service in house and those that they resell."
#4
Third Federal
4.8
(6)
"They had lower rates than other lenders and I've never heard of them selling a mortgage to another company."
"Great rate, service, app, and have been very pleased."
"Third Federal is fantastic. Zero problems. They don't sell your loan off elsewhere."
"Third Federal won hands down for money and service"
"No PMI, beat rates from the other lenders I shopped, and they hold onto the mortgage. Agent was knowledgeable, responsive, and made the process stress free."
"Third Federal was great!"
#5
Wells Fargo
3.1
(9)
"Carmela Stenroos at Wells Fargo is incredible. She got our mortgage done start to finish in 16 days and the rate was 1.5% lower than PMH."
"Had a mortgage with them in the past with no issues, and no issues so far with this mortgage."
"Wells Fargo has the best relationship pricing."
"WF does 0.75% off for moving $1M+ assets."
"Wells Fargo seems to be the most aggressive with relationship discounting in my experience."
"Sold my mortgage shortly after I bought it."
"Not a big WF fan, but I'll take the lower rate."
"Whatever you do, STAY AWAY from Wells Fargo. Absolutely horrible company."
"Wells Fargo was a joke, both the service and rates."
#6
Ruoff
4.5
(6)
"Brittany Eckerle at Ruoff will get you right!! My S/O got our first house through her on a conventional loan with only 6.19%."
"My fiancé and i are first times buyers & worked with Tom Hriso at ruoff and he’s been so helpful & the process has been wonderful."
"Karan @ Ruoff is very knowledgeable and easy to work with. She made everything simple but informative when buying our first home."
"Ruoff was great for us as we bought our first house. No complaints though. Easy process, honestly."
"Ruoff was fairly easy. We've also refinanced with IU Credit Union. They were super simple and easy to work with."
"I used Ruoff Home Mortgage and had a good experience. That being said, our mortgage was sold to another bank like the very next day."
#8
Gallery Mortgage
5.0
(3)
"I've used John LaBella at Gallery Mortgage and Tom Hriso at Ruoff, highly recommend both."
"John LaBella was our guy and he was top notch."
"Gallery Mortgage. Feels more personal and local and they fought for the best rate."
#9
Old National Bank
5.0
(3)
"Offer up to 15K grant to Down payment, .5 better interest rate than all the competition"
"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."
"I (and many folks I’ve recommended him to) have had good experiences with Kevin Kreeger at Old National Bank."
#10
Atlantic Coast Mortgage
5.0
(3)
"Had a great experience with Dominic Turano at Atlantic Coast Mortgage."
"Tan Tunador handled both our initial mortgage and our refinance, offering great rates and professionalism."
"Brooke Lowry, Atlantic coast mortgage."
#11
Northpointe Bank
3.5
(4)
"We loved working with Joe McCrea."
"Had pretty good rates, 6.25%."
"I just refied with Northpointe and it was pretty easy."
"I would recommend NOT using Northpointe Bank. I work there and they don't care about their customers."
#12
Cross Country Mortgage
4.7
(3)
"The best"
"Contact Chris Murray at Cross Country Mortgage."
"Cross Country Mortgage is local and solid."
#13
Mann Mortgage
4.7
(3)
"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. FSB was surprisingly helpful."
#14
Bank of America
4.3
(3)
"My current lender is BOA. They never sold it and I've never had any issues with them."
"BoA counted my down pay towards qualifying for the highest relationship bonus tier."
"I went with BoA as their broker somehow got away with not charging points when she should have."
#15
Union Savings Bank
4.3
(3)
"Big fan of Union Savings Bank. Low closing costs."
"Both my son and I have had good luck with Union Savings Bank."
"They won't sell your loan either."
#16
Bell Bank
4.3
(3)
"Had a good experience with Bell Bank, they shop different lenders for the best rate, and got us .25% less than another bank with lower fees."
"If you go with Bell Bank, they don’t sell their mortgages."
"Bell Bank with Peggy Ryan."
#17
LoanDepot
4.0
(3)
"I worked with Tom Gates at Loan Depot. He was great and his team is local to Central Jersey."
"I went through a mortgage broker & my initial loan was through Loan Depot."
"LoanDepot"
#18
Credit Union
4.0
(3)
"Credit unions seem to be on top of their game and mortgage brokers as long as they are seasoned, experienced."
"Yes, use a credit union if you can."
"I recommend your local credit union, if you're looking for what likely is the best rate."
#19
Local Credit Union
4.0
(3)
"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."
"Try local CU."
#20
Guaranteed Rate
4.0
(3)
"I had a great experience with them."
"Highly recommend Ryan Larson at Guaranteed Rate. He offers the same level of service with slightly better rates."
"Maybe not the best rate, but they close on time."
#21
HSBC
4.0
(3)
"My HSBC mortgage consultant has honestly been amazing."
"HSBC. Credit Unions -Star Credit."
"I found HSBC competitive."
#22
Loan Depot
2.8
(4)
"He gave us so much advice and education way before we had an accepted offer."
"Loan Depot was great to help me source the best rates and terms."
"Avoid Rocket Mortgage. Try Loan Depot if credit is lower."
"Avoid Loan Depot like your life depended on it."
#23
PennyMac
3.7
(3)
"Directly call pennymac they give best rates"
"PennyMac has been great and was able to get me a low rate on my second home."
"HST sold my first loan to PennyMac and they were HORRIBLE."
#24
Summit
5.0
(2)
"3rd for Summit"
"Summit! Adam Pelleter."
#25
Huntington Bank
5.0
(2)
"Very smooth"
"I used them, very easy, closed in less than 30 days."
#26
CMG
5.0
(2)
"Kevin currier CMG for first time homebuyers is great."
"CMG had the best rates when I bought. Probably still do."
#27
Quicken Loans
5.0
(2)
"I have had nothing but painless experience with Quicken Loans (now Rocket Mortgage)."
"We're happy w/Quicken Loans (Rocket Mortgage). Found them to be very helpful."
#28
Zach Larichiuta
5.0
(2)
"I used Zach for a loan and two refinances. Good guy with a responsive team. Made it easy."
"Zach Larichiuta - I have used him 3 times. Great guy, Cougar alum."
#29
Virginia Housing Department
5.0
(2)
"Virginia housing department has list of mortgage officers that can do their first time home buyers program."
"[VHDA](https://www.virginiahousing.com/) can help with first-time homebuyer resources and training."
#30
Arona Muckenfuss
5.0
(2)
"Arona Muckenfuss she’s on Facebook. She can work magic!"
"Arona Muckenfuss. She can work some magic!"
#31
Movement Mortgage
5.0
(2)
"Tim at Movement Mortgage. He was awesome."
"We were really happy with Christina Lane."
#32
Wings
4.5
(2)
"Wings. Hands down the best."
"My wife and I had a good experience with Wings when we bought our current place."
#33
Chase
4.5
(2)
"We went through Chase and had a really great experience with Renee Hamilton."
"Guaranteed Rate sold it to Chase and I haven’t had any issues yet."
#34
Fifth Third Bank
4.5
(2)
"I couldn’t find any loans better than 5/3 bank, from a physician loan standpoint. Competitive interest rate and can put 0% down with no PMI"
"5/3 worked for us, and they keep their loans, too."
#35
Huntington
4.5
(2)
"Have had nothing but a positive experience."
"Huntington is also good."
#36
Garden State Home Loans
4.5
(2)
"Used them for my Refi, and it was a perfect experience."
"I had a good experience."
#37
McLean Mortgage
4.5
(2)
"We loved the experience and she really helped us walk through the process."
"My company is a brokerage shop that specializes in shopping rates and getting you the best rate/lowest fees."
#38
SoFi
4.5
(2)
"SoFi will be a monster in home loans once they complete their vertical integration."
"I shopped Sofi and chase and had a better rate and experience with Sofi"
#39
Tradition Mortgage
4.5
(2)
"We used Tradition Mortgage. Our lender was a godsend, she gave us great advice and was very quick about preapprovals. Carrie White in Edina."
"I second Tradition Mortgage."
#40
Think Bank
4.0
(2)
"We refinanced with Think Bank and they never sold our loan."
"Think Bank, great team and great rates."
#41
First Republic
4.0
(2)
"Everyone under the sun recommended First Republic to me, so they're worth a try especially if you're looking at HDFC co-ops."
"Has low rates if you have certain amount of money with them."
#42
Credit Unions
4.0
(2)
"Credit unions are superior."
"Try credit unions."
#43
Peoples State Bank
4.0
(2)
"My family has worked with them for years on mortgages and they never sell the loans away."
"Peoples State Bank generally have the lowest rates around and they service their loans so you won’t have to worry about having to deal with a shitty servicer."
#44
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."
#45
Veterans United
3.5
(2)
"We have used Veterans United four different times and they have been excellent."
"Don’t go with veterans united. They don’t offer any incentives."
#46
Bank
3.0
(2)
"Definitely check with whoever you bank with as well."
"My mortgage immediately got sold to a different bank after closing."
#47
Mr. Cooper
3.0
(2)
"We use Mr. Cooper and have been really happy with the service."
"I also got sold to Mr cooper a few years ago"
#48
Mortgage Broker
3.0
(2)
"They look at lots of different banks and help find the best one."
"Online lenders are terrible, find a mortgage broker"
#49
John (Mortgage Agent)
5.0
(1)
"Yes! We talked to John when we got our first mortgage and went again for advice on buying a 2nd home. He is so kind and full of great information."
#50
Citibank
5.0
(1)
"Citibank really helped me out back in September. Got me a 5.875 ARM."
#51
CMG Loans
5.0
(1)
"Jason Sumner at CMG Loans was amazing. Bought my first home this year and he made the process considerably less hair-pulling."
#52
RBFCU
5.0
(1)
"RBFCU by far"
#53
MFM Funding
5.0
(1)
"We’ve used Randy Davis for both our homes. Fast, easy, got us good rates."
#54
Supreme Lending
5.0
(1)
"Carolyn Kalchthaler. Great communication and service!"
#55
New American Funding
5.0
(1)
"New American Funding has given me the best deal on my two properties."
#56
First Equity Mortgage
5.0
(1)
"I had a good experience with first equity mortgage, both for a purchase and refinance."
#57
Guardian Savings Bank
5.0
(1)
"Very easy to work with and they kept my loan 'in house' as a portfolio loan."
#58
Integrity Mortgage
5.0
(1)
"Currently closing using Scotty with Integrity Mortgage. Super solid company, been fantastic to work with."
#59
Barrett Financial
5.0
(1)
"He was able to beat out the rates we got from everyone else. He was recommended to us by a friend who uses him for all their mortgage needs."
#60
Aimloan
5.0
(1)
"Their rates are all posted on their website and are updated daily. They've been the lowest priced that i could find."
#61
McGlone Mortgage
5.0
(1)
"Super quick, best rates I could find every time."
#62
First National Bank
5.0
(1)
"I have had 3 mortgages with First National Bank and they have been great. Never resold my mortgage and fantastic customer service."
#63
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."
#64
Hometown Lend
5.0
(1)
"Moji is great. Just went thru the process with him and closed on the house a few days ago!"
#65
Stonebridge Mortgage
5.0
(1)
"Mike is the absolute best and will find you the lowest rate."
#66
Intercoastal Mortgage
5.0
(1)
"Billy has done both my mortgages and a refi, as well as worked with many of my friends. He does a great job of explaining really complex options."
#67
Aserta Loans
5.0
(1)
"AsertaLoans is by far the best experience we have ever had with a lending company."
#68
Guardian
5.0
(1)
"They are all we have ever used and would never use any one else."
#69
Summit Mortgage
5.0
(1)
"I highly recommend Summit Mortgage."
#70
Lake City Mortgage
5.0
(1)
"Give Derek Lodermeier at Lake City Mortgage a call. He helped me with my re-finance and made it seamless."
#71
Iris Mortgage
5.0
(1)
"Zach with Iris mortgage was great for me"
#72
Mortgage Express
5.0
(1)
"Jeannine Downey at Mortgage Express is great. I have worked with her a few times and would highly recommend her."
#73
Dan Morales
5.0
(1)
"Look up dan morales. One of the best in the country. We used him for our mortgage and for our refinance. He is great."
#74
Craig Gebben
5.0
(1)
"Craig Gebben is a great lender and does a wonderful job!"
#75
Independent Bank
5.0
(1)
"Pete and Julie do a great job and know their stuff! I’ve referred them to plenty of clients."
#76
Advantage
5.0
(1)
"Mark Aalto at Advantage was extremely helpful as a first-time homebuyer and does refis."
#77
Churchill Mortgage
5.0
(1)
"Seth Bellas with Churchill Mortgage in Wyoming. His team is awesome!"
#78
Consumers Credit Union
5.0
(1)
"Jim Stephens at Consumers CU in GH has been great. Very quick to reply and answer any questions."
#79
Carolina One
5.0
(1)
"I’ve worked with several and Andrew wright at Carolina one is by far the easiest to work with."
#80
Clearwater
2.0
(2)
"Clearwater rates could not compete but was nice to work"
"Clearwater"
#81
First Interstate Bank
4.0
(1)
"I have used First Interstate Bank for 2 mortgages and have been satisfied both times."
#82
Flagstar Bank
4.0
(1)
"I got my loan through flagstar bank, they had a good rate and were easy to work with."
#83
Mechanic's Bank
4.0
(1)
"We just had a good experience with Mechanic's during our home buying."
#84
BMO
4.0
(1)
"BMO had the best relationship discount when I was looking a few months back."
#85
SVB
4.0
(1)
"SVB's rates were ~0.5% lower than the next lowest I could find."
#86
Texas Farm Credit
4.0
(1)
"Brooke Bevill with Texas Farm Credit - Mortgage Division."
#87
German American
4.0
(1)
"German American helped us with our mortgage and in three years they haven’t sold it to anyone else."
#88
Clubhouse Lending
4.0
(1)
"Look up Club House Lending they’re a small broker in FW but can do any loan type."
#89
Ivy Direct
4.0
(1)
"I went with Ivy Direct for purchase and refi. They were efficient and their rates were great."
#90
Mortgage Masters
4.0
(1)
"Bobbi Carney at Mortgage Masters."
#91
Morgan Stanley
4.0
(1)
"Morgan Stanley if you can deposit $1mm. 6.25% rate on a 30 year purchase."
#92
US Bank
4.0
(1)
"Had a good experience with US Bank recently - they have a new program for a 0.25% discount."
#93
Bailey and Wood
4.0
(1)
"We did ours through Bailey and Wood. The lady was incredibly helpful, realizing it was our first time and we had no idea what we were doing."
#95
Tabor Mortgage
4.0
(1)
"Tabor mortgage is good"
#96
Barton Creek Lending
1.0
(1)
"NOT Barton Creek Lending. Worst experience I’ve ever run into from the lender trying to bait and switch me with a rate that didn’t exist."
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