Review Counsel Rating System

At Review Counsel, we value providing our customers with the most reliable information and ratings, which is why we are committed to being transparent in how those results come about. Our editorial team utilizes strict guidelines and considers a variety of data points when crafting each rating — putting consumers first! If you're interested in learning more about the methodologies, check out the details below.

Mortgages Criteria

We rate mortgage companies on the following criteria with a 1 to 5 scale: years in business, number of products offered, customer service availability, state licensing/availability, Better Business Bureau (BBB) rating, and other factors that are appropriate for the industry the company is in.

Years in Business

Review Counsel looks at years in business because we think it’s an important factor when companies demonstrate longevity. It shows that they are able to withstand the ups and downs of the market while being able to continue to serve the needs of their customers.

Number of Products Offered

We evaluate the number of products each company offers based on what’s reasonable for the industry it is in.

Customer Service Availability

Review Counsel also considers how available each company makes itself to its customers. Those who earn top scores are available 24 hours a day/seven days per week. Some companies are available seven days per week for limited hours and some are only available Monday through Friday during business hours.

State Licensing Footprint

Another factor we think is important for customers is how available the company is throughout the country. Companies who earn top scores in this category are available in 41 or more states.

BBB Ratings

We include the Better Business Bureau (BBB) accreditation ratings because it requires strict standards for application along with consistent monitoring. The BBB sets a standard of credibility that no other business rating service can match, and they are considered one of the most trusted sources for buyers who want peace of mind about the companies they do business with. The BBB is a nonprofit organization that thoroughly vets businesses according to eight standards: building trust, honest advertising, telling the truth, transparency, honoring promises, responsiveness, safeguarding privacy, and integrity.

Mobile App

We also rate companies based on the availability of a mobile app, which makes the company more easily accessible to its customers. Mobile apps streamline the uploading of documents. They also make it easier for customers to monitor the status of their accounts. The top apps allow users the ability to perform the entire process including submitting an application, uploading documents, tracking the status of the loan, and making payments once the loan closes.

Mortgage Ratings

Company Score Total Years in Business Product Offering Customer Service Availability State Licensing Footprint BBB Ratings and Reviews Mobile App
BlueSpot Home LoansBlueSpot Home Loans company logo 4.00 37 Years (est. 1986)

Score: 5

  • 2 Conventional Loans
  • FHA
  • Jumbo
  • VA
  • Buydown
  • Refinance

Score: 5

M-F during business hours

Score: 3

44 States

Score: 5

A+ Rating 1/5 1 reviews

Score: 5

Score: 1

Box Home LoansBox Home Loans company logo 3.8 17 Years (est. 2006)

Score: 5

  • Conventional
  • FHA
  • VA
  • Refinance

Score: 4

M-F during business hours

Score: 3

43 States

Score: 5

A+ Rating 1.8/5 5 reviews

Score: 5

Score: 1

Caliber Home LoansCaliber Home Loans company logo 4.7 15 Years (est. 2008)

Score: 5

  • Conventional
  • FHA
  • Refinance
  • USDA
  • VA
  • Others

Score: 5

M-F during business hours

Score: 3

50 States

Score: 3

A+ Rating 0 0 reviews

Score: 5

Score: 5

Chase Bank Home LendingChase Bank Home Lending company logo 4.4 224 Years (est. 1799)

Score: 5

  • New Home Purchase
  • Refinance
  • Cash-Out Refi
  • HELOC
  • FHA
  • VA+

Score: 5

M-Sat during business hours

Score: 3

37 States

Score: 5

A+ Rating 0 0 reviews

Score: 5

Score: 5

Fairway Independent MortgageFairway Independent Mortgage company logo 4.6 27 Years (est. 1996)

Score: 5

  • Conventional
  • Adjustable Rate
  • FHA
  • Fixed-Rate
  • Jumbo
  • Physician
  • Refi
  • USDA
  • VA

Score: 4

M-F during business hours

Score: 3

50 States

Score: 5

A+ Rating 0 0 reviews

Score: 5

Score: 5

Freedom MortgageFreedom Mortgage company logo 4.2 33 Years (est. 1990)

Score: 5

  • New Home Purchase
  • Refinance
  • Cash-Out Refi
  • FHA
  • VA
  • USDA
  • Conventional

Score: 5

M-Sat during business hours

Score: 3

50 States

Score: 5

A+ Rating 0 0 reviews

Score: 5

Score: 5

High Tech LendingHigh Tech Lending company logo 3.6 17 Years (est. 2006)

Score: 5

  • Reverse Mortgage
  • Conventional Loans
  • VA Loans
  • Refinance

Score: 5

M-Su during limited hours

Score: 4

20 States

Score: 2

A+ Rating 5/5 1 reviews

Score: 5

Score: 1

Home Point FinancialHome Point Financial company logo 4.0 8 Years (est. 2015)

Score: 4

  • New Home Purchase
  • FHA
  • Refinance
  • USDA
  • VA
  • HELOC

Score: 5

M-F during business hours

Score: 3

50 States

Score: 5

A+ Rating 0 0 reviews

Score: 5

Score: 5

Ladera LendingLadera Lending company logo 3.6 16 Years (est. 2007)

Score: 5

  • 30-Fixed
  • 15-Fixed
  • ARM
  • FHA
  • VA

Score: 5

M-F during business hours

Score: 3

21 States

Score: 3

A+ Rating 4.71/5 84 reviews

Score: 5

Score: 1

loanDepotloanDepot company logo 4.6 13 Years (est. 2010)

Score: 5

  • New Purchase
  • Refinance
  • FHA
  • VA
  • Jumbo
  • 203k

Score: 5

M-F during business hours

Score: 3

50 States

Score: 5

A+ Rating 0 0 reviews

Score: 5

Score: 5

Mutual of Omaha MortgageMutual of Omaha Mortgage company logo 4.6 10 Years (est. 2013)

Score: 5

  • Conventional
  • Jumbo
  • Fixed
  • ARM
  • VA
  • USDA
  • FHA

Score: 5

24/7 Availability

Score: 5

50 States

Score: 5

A+ Rating 4.86/5 901 reviews

Score: 5

Score: 5

NASB BankNASB Bank company logo 4.5 96 Years (est. 1927)

Score: 5

  • Conventional
  • VA
  • FHA
  • Jumbo
  • Non-Conforming
  • FLEX
  • Bank+

Score: 5

24/7 Availability

Score: 5

2 States

Score: 1

A_ Rating 1.67/5 18 reviews

Score: 5

Score: 5

NBKC BankNBKC Bank company logo 4.1 24 Years (est. 1999)

Score: 5

  • Conventional
  • VA
  • FHA
  • Refinance
  • HELOC+

Score: 5

M-F during business hours

Score: 3

50 States

Score: 5

A+ Rating 2.57/5 1750 reviews

Score: 5

Score: 5

PennyMac Loan ServicesPennyMac Loan Services company logo 4.2 15 Years (est. 2008)

Score: 5

  • New Home Purchase
  • FHA
  • Refinance
  • USDA
  • VA
  • Jumbo
  • Home Equity Loans
  • Others

Score: 5

M-Sat during business hours

Score: 3

50 States

Score: 5

A+ Rating 0 0 reviews

Score: 5

Score: 5

Quicken LoansQuicken Loans company logo 4.6 38 Years (est. 1985)

Score: 5

  • Refinance
  • ARM
  • 15-Fixed
  • 30-Fixed
  • FHA
  • VA
  • USDA
  • Jumbo

Score: 5

M-F during business hours

Score: 3

50 States

Score: 5

A+ Rating 2.57/5 1750 reviews

Score: 5

Score: 5

Rocket MortgageRocket Mortgage company logo 4.6 38 Years (est. 1985)

Score: 5

  • Refinance
  • ARM
  • 15-Fixed
  • 30-Fixed
  • FHA
  • VA
  • USDA
  • Jumbo

Score: 5

M-F during business hours

Score: 5

50 States

Score: 5

A+ Rating 2.57/5 1750 reviews

Score: 5

Score: 5

United Wholesale MortgageUnited Wholesale Mortgage company logo 4.1 37 Years (est. 1986)

Score: 5

  • Conventional
  • FHA
  • Bank Statement+
  • VA
  • USDA
  • Jumbo

Score: 5

M-F during business hours

Score: 3

50 States

Score: 5

A+ Rating 0 0 reviews

Score: 5

Score: 5

Wells Fargo MortgageWells Fargo Mortgage company logo 3.3 171 Years (est. 1852)

Score: 5

  • New Home Purchase
  • Refinance
  • Fixed Rated
  • Jumbo
  • Low Downpayment
  • Gov Loans (FHA, etc.)

Score: 5

M-Sat during business hours

Score: 3

38 States

Score: 3

F Rating 0 0 reviews

Score: 1

Score: 5