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Best Mortgage Refinance Lenders of February 2019

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The best thing about refinancing your mortgage is that you’ve been through the home loan process before — but a lot may have changed since then. And there are more refinance lenders and more loan options now than ever.

Some refinance lenders offer the latest in online capabilities, others specialize in Federal Housing Administration or Veterans Affairs loans, and others will still discuss your loan options with you face to face.

» MORE: Get notified when refinancing will save you money

NerdWallet has picked some of the best mortgage refinance lenders in a variety of categories so you can quickly determine which one is right for you.

Best overall refinance lenders

Rocket Mortgage
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at Rocket Mortgage

Min. credit score

620

National / regional

National

NerdWallet rating
 
Why we like it

Ideal for refi borrowers with little time. Rocket Mortgage brings smart-phone app convenience to the refinance process. And online income and asset verification speeds the process.

 

Lenda
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at Lenda

Min. credit score

620

National / regional

Regional

NerdWallet rating
 
Why we like it

Ideal for refinance customers in the states it serves. Lenda doesn’t charge upfront origination or broker fees on refinance loans, which close in around 36 days.

 

Navy Federal
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at Navy Federal

National / regional

National

Min. down payment

0%

NerdWallet rating
 
Why we like it

Ideal for military members and their families. Navy Federal Credit Union offers a wide range of mortgage products and low minimum loan amounts, and considers alternative credit data.

 

Veterans United
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at Veterans United

Min. credit score

620

National / regional

National

NerdWallet rating
 
Why we like it

Ideal for military-connected customers looking to refinance. Veterans United's streamline VA refis require a lot less paperwork with lower closing costs.

 

SunTrust
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at SunTrust

Min. credit score

620

National / regional

National

NerdWallet rating
 
Why we like it

Ideal for the homeowner who wants to refinance, but needs help figuring out which type of mortgage to choose. SunTrust offers a broad range of loan types, including FHA, VA, USDA and conventional mortgages.

 

Guaranteed Rate
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at NerdWallet

Min. credit score

620

National / regional

National

NerdWallet rating
 
Why we like it

Ideal for homeowners who are looking to refinance into conventional, FHA or VA mortgages. Guaranteed Rate works with almost anyone with a good credit score and stable income.

 

 See current cash-out refi rates

Chase
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at Chase

Min. credit score

620

National / regional

National

NerdWallet rating
 
Why we like it

Ideal for refinancing any way you want: in person, online or over the phone. With branch locations in 22 states, Chase has a strong face-to-face presence, but refinancers can apply through other channels, too.

 

Bank of America
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at Bank of America

Min. credit score

620

National/regional

National

NerdWallet rating
 
Why we like it

Ideal for borrowers who like options. Bank of America offers multiple refinance loans, including FHA, VA and cash-out.

 

Connexus
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at Connexus

Min. credit score

600

National / regional

National

NerdWallet rating
 
Why we like it

Ideal for homeowners who want to refinance their mortgages in any state but Alaska and Hawaii. Connexus aims to make the application process as seamless as possible through its online portal.

 

Alliant
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at Alliant

Min credit score

NA

National / Regional

National

NerdWallet rating
 
Why we like it

Ideal for borrowers who like to save money. Through Alliant's Advantage Mortgage (AAM) program, borrowers may be able to refinance and eliminate mortgage insurance with just 5% equity.

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