Find Verified Mortgage Lenders in Your State

Compare national banks, credit unions, and regional lenders across all 50 states

Select Your State to Find Lenders

We've compiled a list of verified lenders in every state. Each lender has been researched for legitimacy and customer service.

How to Choose the Right Lender

Compare Rates

Contact multiple lenders to compare interest rates and annual percentage rates (APR). Even a small difference in rates can save you thousands over the life of your loan.

Check Fees

Ask about all fees including origination fees, application fees, and closing costs. Some lenders may offer lower rates but charge higher fees.

Consider Customer Service

Read reviews and ask about the lender's responsiveness. A lender who communicates well can make the mortgage process much smoother.

Review Loan Options

Look for lenders that offer the type of loan you need: conventional, FHA, VA, USDA, or jumbo loans. Some lenders specialize in certain loan types.

Verify Licensing

Confirm the lender is licensed in your state using the NMLS Consumer Access database (nmlsconsumeraccess.org) before sharing personal information.

Get Everything in Writing

Request a Loan Estimate from each lender. This standardized document makes it easy to compare offers line by line.

Tips to Qualify for a Mortgage

  • Improve Your Credit Score: A higher credit score (typically 620+ for conventional loans) can qualify you for better rates.
  • Save for Down Payment: Most lenders require 3-20% down, though some programs offer lower options.
  • Lower Your Debt-to-Income Ratio: Lenders typically prefer a DTI ratio below 43%. Check yours here.
  • Maintain Stable Employment: Most lenders want to see at least 2 years of steady employment history.
  • Document Your Income: Gather pay stubs, W-2s, tax returns, and bank statements before applying.
  • Get Pre-Approved: Pre-approval shows sellers you're a serious buyer and helps you understand your budget.

Important Disclaimer

The lenders listed on this site have been researched for verification purposes. However, we recommend conducting your own due diligence before working with any lender. Always compare multiple offers, read reviews, verify licenses, and ensure the lender is legitimate before providing personal information or signing any agreements. This site does not endorse or guarantee any specific lender, and we are not responsible for the services or products they provide.