Refinance lenders, comparedLenders that publish a mortgage refinance, including cash-out, compared on minimum credit score, loan types and fees as each states them. We do not quote personal rates.
Independent research. Every number is checked against the provider's own page and dated. Some links may earn us a commission, which never changes a ranking. How we make money
7 refinance lenders compared; 7 of 7 in the main list were re-read in the last 14 days (newest read Oct 14, 2026). Ranking rule: Lenders are shown by how much of their own terms we could verify and how plainly they publish fees, then alphabetically. It is not a ranking of who is cheapest or best for you, because no list can know that: your rate depends on your credit, down payment, property and state. Lenders cannot pay to change their position or what we say about them. How we rate
Each pick is one fact about a lender's own published terms, with the rule written on its label. Whether a refinance saves you money depends on its closing costs and how long you keep the loan, so check that with the refinance calculator.
Big-bank lender with 3% down, FHA, VA and jumbo loans to $9.5 million, plus homebuyer grants in eligible areas
Example stated as of October 13, 2026 (10:17 AM ET), with its assumptions on the lender page.
VA-loan specialist with $0 down, a published daily VA rate table and a typical 620 minimum score
Eligibility for VA loans depends on military service and a Certificate of Eligibility.…
1 other we list also qualify; this one ranks first in our order.
Also: States its origination fee
Online bank mortgages with 3% down for first-time buyers, a published $1,495 origination fee and a 90-day rate lock
Lock and Look: lock your rate for up to 90 days while you search. No lock fee is published.
Seven lenders are on this page as of October 14, 2026: every one lists a rate-and-term refinance and a cash-out refinance on its own site, and each figure was read from those pages that day. A refinance replaces your current mortgage with a new one, so it comes with closing costs of its own. That is why the first question is not which lender has the lowest rate, but whether the savings will pay for the costs before you move or refinance again. Use the refinance calculator to find that point for your numbers, then ask a few lenders for official offers. We do not quote rates: your own comes from the lender.
| Refinance lenders | Min. credit score | Cash-out | Rate lock | Fees stated | Verified |
|---|---|---|---|---|---|
 | 580 | Yes | See terms | Origination fee not published | Oct 14, 2026 |
| 620 | Yes | See terms | Processing fee not published | Oct 14, 2026 |
 | 580 | Yes | See terms | Applying is free; fee not published | Oct 14, 2026 |
| 620 | Yes | See terms | VA funding fee 2.15% on first use | Oct 14, 2026 |
| See terms | Yes | 90 days | $1,495 origination fee | Oct 14, 2026 |
 | See terms | Yes | 60 days | 1% origination; 1.75% Choice fee | Oct 14, 2026 |
 | See terms | Yes | See terms | Fee amounts not published | Oct 14, 2026 |
Each date is when we last checked the provider's own page. Rates and terms can change, so confirm with the provider before you apply.
In ranking order. Each one lists the numbers that decide the choice, its main strengths and its main catches.
All-digital direct lender in all 50 states with 3-minute online pre-approval and FHA, VA and jumbo loans
Better Mortgage is an online direct lender that offers loans for buying a home, refinancing and cash-out refinancing. Where it lends: all 50 states and DC. On its own site it lists Conventional, FHA, VA and Jumbo loans.
Watch out
Big-bank lender with 3% down, FHA, VA and jumbo loans to $9.5 million, plus homebuyer grants in eligible areas
Chase Home Lending is a bank that offers loans for buying a home, refinancing and cash-out refinancing. On its own site it lists Conventional, FHA, VA and Jumbo loans.
Watch out
Online lender with FHA, VA and jumbo loans, 1% down on ONE+, and a published rate table with its assumptions
Rocket Mortgage is an online lender that offers loans for buying a home, refinancing and cash-out refinancing. Where it lends: all 50 states and DC. On its own site it lists Conventional, FHA, VA and Jumbo loans.
Watch out
VA-loan specialist with $0 down, a published daily VA rate table and a typical 620 minimum score
Veterans United Home Loans is a mortgage banker that offers loans for buying a home, refinancing and cash-out refinancing. Where it lends: all 50 states (not every loan type is available in every state).
Watch out
Online bank mortgages with 3% down for first-time buyers, a published $1,495 origination fee and a 90-day rate lock
SoFi Mortgage is an online bank that offers loans for buying a home, refinancing and cash-out refinancing. Where it lends: all states, with an exception for purchase loans in New York (its eligibility page wording is ambiguous).
Watch out
Credit union mortgages for military members and families: VA and $0-down loans, no PMI and a free 60-day rate lock
Navy Federal Credit Union Mortgage is a credit union that offers loans for buying a home, refinancing and cash-out refinancing. On its own site it lists Conventional, VA, Jumbo, Homebuyers Choice (0% down) and Military Choice (0% down) loans.
Watch out
National bank with 3% down programs, FHA and VA loans, jumbo loans, and down payment grants in select markets
Bank of America Home Loans is a bank that offers loans for buying a home, refinancing and cash-out refinancing. On its own site it lists Conventional, FHA, VA and Jumbo loans.
Watch out
Refinancing can save money or cost money. Take these in order, and it is fine to decide it is not worth it.
A rate-and-term refinance changes your rate, your loan length, or both. A cash-out refinance replaces your mortgage with a larger one and pays you the difference in cash, so you owe more afterwards. If you have a VA loan, a VA IRRRL (interest rate reduction refinance, sometimes called a streamline) is a simpler option; Veterans United and Navy Federal both list it. Knowing which one you want keeps you from comparing the wrong offers.
Divide the closing costs by what your payment drops each month. In our worked example, a $300,000 balance at 7.5% with 28 years left, refinanced to 6.5% for 30 years with $6,000 in closing costs, the payment falls from $2,139 to $1,896, a drop of $242 a month. The costs are earned back in about 2 years 1 month. Stay seven years and you come out about $14,108 ahead; leave after a year and you are behind. These are example numbers, not rates anyone is offering.
A lower payment is not the same as a cheaper loan. Take $200,000 owed at 6.5% with 15 years left, refinanced into a new 30-year loan at 6.0% with $3,000 rolled in. The payment falls from $1,742 to $1,217 a month, but if you kept each loan to the end, interest from today would be about $235,152 on the new loan versus $113,599 on the old one. A shorter new loan, or paying extra on the new one, avoids resetting the clock.
Closing costs include the lender's own fees, an appraisal, title services and any points. Points are money paid up front to lower the rate, and they only pay off if you keep the loan long enough. SoFi states a $1,495 origination fee on a refinance. Navy Federal states a 1% origination fee on its advertised Choice rates. Chase's sample refinance rate on October 13, 2026 came with 1.811 points and left out a processing fee. Others do not publish fee amounts, so ask for them in writing.
A rate lock holds your rate for a set number of days while you close, and extending one can cost extra. SoFi's Lock and Look lets you lock for up to 90 days. Navy Federal's No-Cost Freedom Lock is 60 days with up to two float-downs. Chase says locks usually run 30 to 90 days and will likely carry a fee. Longer locks matter more when a refinance is slow to close.
Ask each lender for a Loan Estimate for the same loan amount, the same loan length and the same points, and compare them side by side. Rerun the refinance calculator with each lender's actual closing costs. Asking does not commit you to anything.
Products that do one thing unusually well, with the catch we would want to know before applying.
Lists VA IRRRL (Streamline) and VA cash-out refinances. The VA funding fee is 0.5% on a Streamline, 2.15% on a first-use cash-out, unless you are exempt, and eligibility rules apply.
Read the reviewA free 60-day lock with float-downs, VA IRRRL and conventional refinances, and it says it never requires PMI. Members only, and its advertised rates include points.
Read the reviewLock and Look lets you lock for up to 90 days, and it states its $1,495 origination fee on refinances. It does not publish a minimum credit score.
Read the reviewShows a dated refinance example (6.875% rate, 7.056% APR on $350,000 with 1.811 points on October 13, 2026) and lists cash-out refinancing. Its Closing Guarantee does not cover refinances.
Read the reviewLenders are shown by how much of their own terms we could verify and how plainly they publish fees, then alphabetically. It is not a ranking of who is cheapest or best for you, because no list can know that: your rate depends on your credit, down payment, property and state. Lenders cannot pay to change their position or what we say about them.
Providers cannot pay to change this order. If a paid placement ever appears in a list, it is labeled Sponsored and never carries a “best for” label.
Minimum scores, down payments, fees and limits are read from the lender's own pages and dated. We leave out anything we could not confirm.
Whether the lender says what it charges: origination fees, rate-lock terms, closing costs. A fee that is not published is flagged, not guessed.
Membership rules, eligibility (such as VA), state coverage and loan types, written on each lender page.
Written risk flags, and any CFPB enforcement action we can see on the CFPB's own site.
Date of the newest lender-page stamp
When the money you save each month adds up to more than the closing costs before you sell or refinance again. Divide the closing costs by the monthly drop in your payment to get the break-even point, and compare it with how long you expect to stay. Also check that the new loan does not simply stretch your debt over more years. The refinance calculator on this site does both.
It varies by lender, loan size and state, and it is made of the lender's fees, an appraisal, title and settlement services and any points. We do not publish an average because we have not verified one from a primary source. The Loan Estimate a lender gives you lists every cost, and asking several lenders for the same terms makes them comparable.
A rate-and-term refinance replaces your loan with a new one to change the rate, the length, or both. A cash-out refinance replaces it with a larger loan and pays you the difference in cash. Cash-out increases what you owe against your home, so the risk is higher if you cannot keep up with payments.
No. Where a lender publishes an example, we show it with the lender's own assumptions and its date, and it is an illustration. Your rate depends on your credit, your equity, the property, the state and the day you lock. Only an official offer from a lender is your rate.
Yes. All seven list a cash-out refinance on their own sites as of October 14, 2026. Terms differ: for example, limits on how much of your home's value you can borrow against are set by each lender and by loan type, and we show what each one publishes on its page.
Best Mortgage Refinance Lenders was last updated in October 2026 and uses rates and fees we verified against each provider's own page. Spot something out of date? Tell us.
