9 Best Mortgage Refinance Lenders of 2026

Navy Federal ranks first because it posted the lowest refinance APRs we could verify and shows them openly by term. On Nov 13, 2026, its refinance page listed 30-year VA loans as low as 6.250% with a 6.738% APR, 15-year VA loans at 5.750% (6.492% APR), and conventional 30-year loans at 6.750% (6.923% APR). VA cash-out loans can reach 100% of the home's value, and the Homebuyers Choice and Military Choice options refinance up to 97%. The No-Refi Rate Drop lets eligible borrowers cut their rate later for a $250 fee instead of paying for a new refinance. Read the footnotes: posted rates require a 1% origination fee, which can be waived for a 0.25% higher rate, and the conventional 30-year figure assumes a 780 FICO score. Membership is open only to the armed forces, the Department of Defense, veterans and their families, so many homeowners cannot apply.

Rocket Mortgage is the most complete online refinance in this group. Its refinance page lists today's rates for 12 loan types, from 30-year fixed to 15-year VA, and explains the points behind each one. On Nov 13, 2026, its 30-year fixed example was 6.875% with a 7.197% APR for 2 points ($5,500) on a $275,000 loan, and its 15-year fixed was 6.25% with a 6.759% APR. Rocket says the application takes less than 5 minutes, offers an estimate with zero credit impact and answers questions 24/7 through Rocket Assist. Text rate alerts, up to 25 a month, tell you when rates reach your target. The trade-off is price: Rocket's posted APRs were higher than Navy Federal, U.S. Bank and Chase on the same day, and its examples assume a 740 credit score and 60% loan-to-value. Get a quote here, then use it to push other lenders.

U.S. Bank posted the best price we found for homeowners who cannot join a military credit union. Its refinance page gave a 30-year example at 6.750% with a 6.920% APR on a $405,000 loan, with no discount points and a monthly principal and interest payment of $2,626. That APR includes borrower-paid finance charges of 0.862% of the loan amount. Checking customers can lower costs further: autopay from a U.S. Bank personal checking account earns a client credit of 0.25% of the loan amount, up to $750, deducted from closing costs. Rate tables are updated daily for conventional, adjustable-rate, FHA, VA and jumbo loans and can be filtered by state. The posted rates assume a FICO score of 740 or higher and at least 25% equity for conventional loans, so borrowers with thinner equity will see higher numbers.

Chase is the strongest of the large banks for a refinance with human help. Its refinance rates page showed a 30-year fixed example at 6.750% with a 6.970% APR on a $350,000 loan in Chicago ZIP code 60629, with 2.214 discount points, at 10:27 AM ET on Nov 13, 2026. You can start with no impact to your credit score, and a Home Lending Advisor works with you through closing. Cash-out refinancing covers home upgrades and debt consolidation. Chase services more than 3 million mortgages and cites a JD Power 2026 ranking as the No. 1 mortgage servicer for customer satisfaction. The example rate relies on more than 2 points, so compare it with U.S. Bank's no-point example on APR, not on headline rate. Chase's own guide puts typical closing costs at about 2% to 6% of the loan amount.

Veterans United is the specialist pick for anyone who already has a VA loan. Its refinance page covers the VA Streamline, also called the IRRRL, which lowers the rate with less documentation, and the VA cash-out refinance for tapping home equity. On Nov 13, 2026, it listed the 30-year IRRRL at 6.875% with a 7.168% APR and 1.5 points ($4,425.00), and the 30-year VA cash-out at 6.990% with a 7.324% APR and 0.25 points ($737.50). The rate table can be switched between credit tiers from 620 to 720 and up, which is more useful than a single best-case number, and the APRs include the VA Funding Fee. Rates update at least daily. It serves only VA-eligible borrowers, and its posted VA APRs were above Navy Federal's, so members of both should compare quotes.

loanDepot stands out for what happens after this refinance. Its Lifetime Guarantee waives the lender fee when you refinance a loanDepot loan on the same property again, a useful hedge if rates fall later. The fine print matters: the waiver does not cover discount points or third-party closing costs, it must be used by applying directly with loanDepot rather than through sites such as LendingTree, and guarantees issued on or after January 1, 2019 cannot be redeemed within 12 calendar months. The refinance menu covers rate-and-term and cash-out loans, fixed and adjustable rates, VA, FHA, jumbo and renovation loans, plus a HELOC (5x5). loanDepot reports $600B in loans funded and 1.99M customers served, and it works through local loan officers and branches. We could not see posted refinance rates on its pages, so its price is unverified here.

Bank of America makes most sense for customers who already hold deposits or investments there. Its refinance page says BofA Rewards clients may qualify for an origination fee or interest rate reduction based on their tier at application, though some tiers must enroll in PayPlan from a Bank of America deposit account before closing to get the full benefit. You can apply through the Bank of America Digital Mortgage Experience or by phone. The menu covers fixed-rate loans, adjustable-rate loans with 5, 7 or 10 year fixed periods that then adjust every six months, FHA and VA refinances, and cash-out refinancing. Its rate tool asks for home value, loan balance and ZIP code and assumes a credit score of 740 or higher. The rates themselves loaded only in the browser tool, so we could not verify a figure and have marked its price as pending.

Better is built for homeowners who would rather not talk to a loan officer. Its refinance page says you can answer a few questions and see personalized rates and estimated payments in minutes without affecting your credit score, then apply 100% online with customer support. Better reports $100B+ in home loans funded online and more than 400,000 customers. Its One Day Mortgage promotion offers qualified borrowers an underwriting decision within 24 hours of locking a rate, if they upload the required documents within 4 hours, and Better notes that initial approval is not a guarantee of final approval. Its rates page invites borrowers who have another rate to ask for a match. Better did not display refinance rates without a personalized quote, so we could not verify its price, and its loans are not offered in every state.

Freedom Mortgage suits homeowners with an FHA or VA loan who want the lightest refinance path. Its refinance page compares three options in plain terms: conventional refinances are open to all homeowners, need more paperwork and close slower, but carry no mortgage insurance with 20% equity and no funding fee; FHA Streamline refinances are only for FHA homeowners, need less paperwork and close faster, but keep mortgage insurance; VA IRRRL refinances are only for VA homeowners, close faster and skip mortgage insurance, but require a funding fee. It also offers adjustable-rate refinancing with a lower starting rate, VA and FHA cash-out loans and a HELOC. Freedom says typical closing costs run between 2% and 5% of the loan amount. We could not see posted refinance rates, so ask for a Loan Estimate and compare it with Navy Federal or Veterans United.