*Minimum credit scores are for conforming loans, or for VA loans from Navy Federal and Veterans United.
The best mortgage refinance lenders of March 2022
Refinancing your mortgage can be a great way to secure a better interest rate, lower your monthly payments, or get rid of private mortgage insurance.
You don't necessarily need to refinance with the same lender you used for your initial mortgage, though. You might find a better fit — and a better deal — with a different company this time around.
We've chosen lenders that offer a variety of mortgages you can refinance into, and most have received an A+ rating from the Better Business Bureau. Many of our top picks also thrive in customer satisfaction and accept alternative forms of credit if you don't have a credit score, making it easier to qualify.
You may notice this list looks similar to our guide for the best mortgage lenders. In both cases, we chose lenders who are trustworthy, prioritize customer satisfaction, and make the process relatively affordable.
More on our best mortgage refinance lenders
4.5 / 5
620
Conventional, cash-out, FHA, VA
The pros of Rocket Mortgage:
You can choose from a variety of loan types.
It ranked as the top lender for customer satisfaction from J.D. Power for 11 straight years, and it ranked No. 2 in 2021
The company provides a fast, easy online experience.
The cons of Rocket Mortgage:
You can't refinance into a USDA loan.
Rocket Mortgage doesn't accept alternative credit data.
4.5 / 5
620
Conventional, cash-out refinance, VA, FHA, USDA
The pros of Veterans United:
The lender has a high score in the J.D. Power 2021 Primary Mortgage Origination Satisfaction Survey (Veterans United doesn't qualify to rank because it doesn't meet certain criteria, but J.D. Power notes that the lender would rank highly if it were eligible).
Conventional, cash-out, FHA, VA, USDA, Carrington Flexible Advantage
The pros of Carrington:
Carrington has a variety of refinance options, including the Carrington Flexible Advantage Refinance, which has looser requirements for credit scores and doesn't require mortgage insurance.
Live online chat makes it easy to speak with an expert about your questions.
The cons of NBKC:
You can't refinance into a USDA loan.
NBKC doesn't accept alternative forms of credit.
3.75 / 5
660
Conventional, cash-out, VA
The pros of Navy Federal:
Navy Federal has a high score in the J.D. Power 2021 Primary Mortgage Origination Satisfaction Survey (Navy Federal doesn't qualify to rank because it doesn't meet certain criteria, but J.D. Power notes that the credit union would rank highly if eligible).
The credit union accepts alternative credit data, such as utility bills.
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