Thinking about refinancing your mortgage in early 2026? It's a smart move if you can snag a better rate or adjust your loan terms to fit your life. But with so many companies out there, figuring out who's the best company for mortgage refinance can feel like a puzzle. We've looked at a bunch of lenders to give you a clearer picture of who might be a good fit for you.

Key Takeaways

• CrossCountry Mortgage stood out for its overall rate and fast closing times.
• New American Funding is a good choice if you're looking for low rates.
• Navy Federal Credit Union is a top pick for military members.
• Rocket Mortgage was noted for its customer satisfaction.
• Comparing offers from multiple lenders is key to finding the best refinance deal.

1. CrossCountry Mortgage

When you're looking to refinance your mortgage, especially in early 2026, CrossCountry Mortgage is a name that pops up a lot. They really stand out because they managed to get the top spot in our analysis of refinance companies. It wasn't just one thing; it was a mix of things that put them ahead of many others.

One of the big draws is their accessibility. They have pretty low credit score requirements, which means more people can actually qualify. Plus, they operate in all 50 states, plus Washington D.C. and Puerto Rico, so location isn't usually a barrier. They also offer a good range of loan products, so you're likely to find something that fits what you need, whether it's a standard rate and term refinance, a cash-out option, or even renovation loans.

Here's a quick look at what they offer:

• Rate and term refinance
• FHA loans
• VA loans
• USDA loans
• Cash-out refinance
• Renovation loans
• HELOCs

And they do both fixed and adjustable-rate mortgages. It's pretty impressive how many options they pack in.

What really sets them apart, though, is how fast they can close. We're talking about potentially closing a loan in as little as 10 days. That's significantly faster than the usual 30 to 45 days you see in the industry. If you're in a hurry to get your refinance done, this speed is a major advantage.

While CrossCountry Mortgage doesn't show sample rates or fee information directly on their website, which can be a bit of a hurdle when you're just starting your research, their overall package of accessibility, loan variety, and speed makes them a strong contender for many homeowners looking to refinance.

They also mention that rate float-downs are available, which is a nice perk if you're worried about rates changing while your loan is in process. Overall, if you're looking for a lender that's widely available, offers a lot of different loan types, and can get the job done quickly, CrossCountry Mortgage is definitely worth a closer look.

2. New American Funding

New American Funding is a pretty solid choice if you're looking to refinance, especially if you're aiming for lower rates. They really stood out in our research for consistently offering rates that were a bit lower than what other big companies were quoting. This could mean some real savings for you over the life of your loan.

What's also nice is that they seem to work with a wider range of people. Their minimum credit score requirement is on the lower side, sometimes as low as 500 for certain loan types, which is good news if your credit isn't perfect. They also have a pretty fast closing time, sometimes as quick as 5 days, though that depends on a few things like verifying your income and the property's condition.

Here's a quick look at some of their features:

• Refinance Loan Types: They offer rate and term, cash-out, HELOC, FHA, and VA streamline refinances.
• Minimum Credit Score: Generally 580+, but some products have no minimum.
• Closing Time: Can be as fast as 5 business days under ideal conditions.
• Availability: They operate in all 50 states and Puerto Rico, giving them a wide nationwide presence.

They also have a feature called 'MyLoan,' which is an online portal that lets you track your loan progress. It's supposed to make the whole process feel a bit more transparent, which is always a plus when you're dealing with something as big as a mortgage.

While they don't always list all their fees or closing costs directly on their website, which can be a bit frustrating when you're comparing options, their focus on competitive rates and accessibility makes them a strong contender for many homeowners looking to refinance in early 2026.

3. Rocket Mortgage

Rocket Mortgage is a big name in the mortgage world, and for good reason. They've really leaned into making the whole refinance process digital, which can be a huge plus if you like handling things online. Their Yourgage program lets you pick loan terms as short as eight years, which can save you a lot on interest over the life of the loan. Of course, you can still go for the standard 15 or 30-year terms if you need a lower monthly payment.

They offer a bunch of loan types, including conventional, FHA, and VA refinances. If you're looking to tap into your home's equity, they do offer home equity loans, but they don't do HELOCs (Home Equity Lines of Credit). That means you get a lump sum upfront, which might mean a bigger payment right away compared to a HELOC.

One thing that stands out is their speed. They often get loans closed in about 21 days, which is pretty quick.

Here's a quick look at what they offer:

• Loan Types: Conventional, FHA, VA, Jumbo, Adjustable-Rate Mortgages (ARMs), and their own custom-term YOURgage.
• Digital Experience: Fully online application and management.
• Customer Support: Available seven days a week.
• Flexible Terms: Options from 8 to 29 years, in addition to standard terms.

While Rocket Mortgage is known for its digital approach and speed, it's worth noting they don't offer USDA loans or land loans. If those are specific needs for your refinance, you might need to look elsewhere.

Their minimum credit score requirements can vary. For conventional loans, it's typically 620, but for FHA and VA loans, it can be as low as 580. They also accept alternative credit data, like rent and utility payments, which can be helpful for some borrowers.

4. Navy Federal Credit Union

Navy Federal Credit Union is a bit of a special case when it comes to mortgage refinancing. You have to be a member to use their services, which means you need to be active duty military, a veteran, or part of their family. If you fit that bill, though, they have some pretty good options.

One of the standout features is their rate-match guarantee. They promise to match a better rate from another lender, or they'll give you $1,000. That's a nice bit of reassurance, honestly. They also offer loans that might not require private mortgage insurance, even if you don't have 20% equity, which can save you money. Plus, they have home equity loans and HELOCs if you just want to tap into your home's value without refinancing the whole thing.

Here's a quick look at what they offer:

• Loan Types: They handle conventional and VA loans, plus jumbo loans and adjustable-rate mortgages (ARMs). They also have some unique options like the Military Choice loan for those who've used their VA benefit already, and a Homebuyers Choice loan that doesn't need a down payment.
• No PMI Options: Available for certain refinance scenarios.
• Rate-Match Guarantee: A $1,000 incentive if they can't match a competitor's rate.
• Membership Required: This is the big one – you must be affiliated with the military or a family member.

They don't offer FHA or USDA loans, which is a limitation for some borrowers. Also, their mortgages aren't available in every state, so you'll want to check that. But if you qualify for membership, their rate-match guarantee and specialized loan products make them a solid contender for refinancing, especially if you're looking for that extra peace of mind.

5. PennyMac

PennyMac is a pretty big name in the mortgage world, and they offer a good range of refinance options. They work in all 50 states, which is convenient if you're not sure where to start looking. One thing that stands out is their low minimum credit score requirement – you can often get in the door with a 620 for conventional loans, and even lower for FHA and VA options. This makes them a potential option for folks who might not have a perfect credit history.

They also have a neat home value tool on their site. You can plug in your address and get an idea of what your home might be worth based on recent sales in your area. It's not a formal appraisal, of course, but it can give you a ballpark figure.

When it comes to costs, PennyMac's lender fees are generally lower than what you see with many other companies. You're looking at either a flat fee of $500 or a percentage of the loan amount, which usually comes out below the typical 1% to 2% industry average. That can add up to some real savings.

However, it's not all sunshine and roses. In some analyses, PennyMac's actual mortgage rates have been a bit higher than the average. So, while their fees might be lower, you'll want to pay close attention to the interest rate they offer you. It’s a trade-off you’ll need to weigh.

Here’s a quick look at what they offer:

• Loan Types: Conventional, FHA, VA, and jumbo loans are all on the table for refinancing.
• Availability: You can find them in all 50 states and Washington, D.C.
• Minimum Credit Score: Generally 620 for conventional, 580 for FHA and VA loans.
• Unique Feature: A home value tool to estimate your property's worth.

It's always a good idea to compare rates and fees from a few different lenders. What looks good on paper might not be the best deal once you get your personalized quote. PennyMac is definitely worth considering, especially if you have a lower credit score or want to avoid high upfront fees, but do your homework.

6. loanDepot

loanDepot is a pretty big name in the mortgage world, and for good reason. They've been around for a while and handle a lot of loans. When you're thinking about refinancing, they're definitely a company worth looking into, especially if you like having a lot of options.

One of the things that stands out about loanDepot is their focus on technology. They've got a lot of online tools that are supposed to make the whole process smoother. You can often get started online, check your progress, and communicate with your loan team through their digital platform. This can be a real plus if you're someone who likes to handle things from your computer or phone.

They also tend to have a wide range of loan products. This means whether you're looking for a standard rate-and-term refinance or maybe a cash-out refinance to pull some equity out of your home, they likely have something that fits. It's good to have choices, right?

Here’s a quick look at some of their general features:

• Wide variety of loan types: They offer conventional, FHA, VA, and jumbo loans, among others.
• Digital tools: Online application, loan tracking, and communication.
• Customer service: They aim for a professional and knowledgeable staff, which is always a good sign.
• Speed: While times can vary, they often aim for efficient processing.

loanDepot positions itself as a tech-forward lender, aiming to simplify the mortgage process through its digital platforms. This approach can be appealing to borrowers who value convenience and the ability to manage their loan application remotely. They work to provide a range of options to meet different borrower needs.

When you're comparing lenders, it's always smart to get a few quotes. loanDepot is one of those companies that often shows up in these comparisons, and checking out consumer reviews for LoanDepot can give you a better sense of what other people have experienced with them. It’s just part of the homework to find the best deal for your refinance.

7. United Shore Financial Services

United Shore Financial Services, often operating under the brand United Wholesale Mortgage (UWM), is a significant player in the mortgage industry, particularly known for its wholesale lending model. This means they work with mortgage brokers rather than directly with consumers. For borrowers, this can translate into potentially competitive rates and a wider range of loan options because brokers can shop around with different lenders, including UWM, to find the best fit.

Their focus on the wholesale channel means that if you're working with an independent mortgage broker, there's a good chance they partner with United Shore Financial Services. This approach can sometimes lead to a more personalized experience, as your broker acts as your main point of contact throughout the refinance process. They handle the application, gather your documents, and then submit everything to UWM for underwriting and approval.

Here's a general idea of what borrowers might experience:

• Broker-Driven Process: You'll interact primarily with your mortgage broker, who then works with UWM.
• Potential for Competitive Rates: Brokers can compare UWM's offers against other lenders.
• Variety of Loan Products: UWM offers a range of mortgage types, though specific availability can depend on your broker and location.

It's worth noting that reviews for United Wholesale Mortgage can be mixed. Some customers report a smooth process and good rates, while others have mentioned challenges with communication or the loan process itself. This highlights the importance of choosing a good mortgage broker who can effectively manage the relationship with UWM on your behalf. Comparing offers and understanding the terms is always a smart move when refinancing.

When considering a refinance, remember that the wholesale model means your experience is heavily influenced by the mortgage broker you select. A good broker can be an advocate, guiding you through the process and ensuring you get the best possible outcome from lenders like United Shore Financial Services.

8. Wells Fargo

Wells Fargo is a big name in banking, and they also do a lot of mortgage refinancing. If you're already a Wells Fargo customer, it might be worth checking them out first. Sometimes, existing relationships can make things a bit smoother, or maybe you'll get a little perk.

They offer a pretty standard range of loan types, including conventional, FHA, and VA loans. You can also look into jumbo loans if you need to borrow a larger amount. Their online tools are generally pretty decent for getting started and tracking your progress.

Here's a quick look at what they generally offer:

• Conventional Loans: For borrowers with good credit and a down payment.
• FHA Loans: Good for those with lower credit scores or smaller down payments.
• VA Loans: Available for eligible veterans and service members.
• Jumbo Loans: For loan amounts that exceed conforming limits.

While Wells Fargo has a huge presence and lots of resources, the actual experience can vary. Like any large bank, sometimes customer service can feel a bit impersonal, and the process might not be as quick as some of the online-only lenders. It really depends on what you're looking for in a refinance.

Getting a quote from them is pretty straightforward, and you can usually do a lot of the initial steps online. Just remember to compare their rates and fees with other lenders before you decide. It's always a good idea to shop around, even with a familiar name like Wells Fargo.

9. Chase Bank

Chase Bank is a big name in the banking world, and they also do a lot of mortgage business. If you're already a Chase customer, refinancing with them might make a lot of sense, especially because of their relationship pricing. This program can knock a bit off your interest rate if you have a certain amount of money in Chase accounts or investments. We're talking about discounts up to 0.25% if you have $1 million or more in qualifying balances. Even smaller amounts, like $187,500, can get you a 0.125% discount.

They offer a bunch of loan types, including conventional, FHA, VA, and jumbo loans. They even have a special "DreaMaker" loan for people who need a bit of help with a down payment. One of the standout features is their closing guarantee – they promise to close your loan within 21 days of getting all your paperwork, or you get $5,000. That's pretty neat if you're on a tight schedule.

However, it's not all perfect. Chase doesn't offer USDA loans, and you won't find them in Hawaii or Alaska. Also, if you were hoping to do a cash-out refinance, that's about the only home equity option they have right now; they've paused new applications for home equity loans and HELOCs.

Here's a quick look at what they offer:

• Loan Types: Conventional, FHA, VA, Jumbo, ARM, Specialty (DreaMaker)
• Minimum Credit Score: Generally 620, though some loans might differ.
• Closing Guarantee: Up to $5,000 if they miss the 21-day closing window.
• Relationship Discounts: Available for existing Chase banking or J.P. Morgan Wealth Management customers.

If you're looking to lock in a fixed rate to avoid future interest rate hikes, refinancing an adjustable-rate mortgage (ARM) to a fixed-rate mortgage is a solid strategy. It provides predictable monthly payments for the long haul.

Overall, Chase is a strong contender, particularly for their existing customers who can take advantage of those relationship discounts. Their online application process is pretty straightforward, and they have loan advisors available most days of the week if you need some help.

10. Summit Credit Union and more

When you're looking into mortgage refinancing, it's easy to get overwhelmed by all the big names. But don't forget about credit unions! Summit Credit Union, for example, is a solid option, especially if you're in Wisconsin. They offer mortgage refinancing and have a good reputation among their members. It's always a good idea to check out local credit unions because they often provide competitive rates and more personalized service than larger banks.

Beyond Summit Credit Union, there are other places to look. Sometimes smaller, regional lenders or specialized mortgage brokers can have unique programs or lower fees. It pays to do a little digging beyond the most advertised companies. You might find a gem that fits your specific needs perfectly.

Here are a few things to consider when exploring these "more" options:

• Member Benefits: If you're already a member of a credit union, see what mortgage options they have. You might get special perks.
• Local Presence: Lenders with a strong local presence can sometimes offer more tailored advice and support.
• Niche Lenders: Some companies focus on specific types of loans or borrowers, which could be exactly what you need.

Don't just stick to the first few companies you see advertised. Shopping around, even with less common lenders, can lead to significant savings and a smoother refinancing process. It's about finding the right fit for your financial situation.

Remember to compare rates, fees, and terms carefully. Even a small difference can add up over the life of your loan. Checking out places like Summit Credit Union is a great starting point for finding that perfect refinance deal.

Wrapping It Up

So, as we head into 2026, finding the right company to refinance your mortgage is still a big deal. It’s not just about snagging the lowest rate, though that’s definitely important. You’ve got to look at the whole picture – the fees, how easy they are to work with, and if they actually offer the kind of loan you need. We’ve looked at a bunch of lenders, and some stand out for different reasons, whether it’s a great overall rate, super low numbers, or special perks for military folks. Remember, the best deal for your neighbor might not be the best deal for you. Take the time to compare offers from a few places. It really can save you a lot of money down the road. Don't just pick the first one you see; do a little homework and make sure you're getting the best fit for your financial situation.

Frequently Asked Questions

What is mortgage refinancing?

Refinancing your mortgage means you get a new loan to pay off your old one. This new loan might have a different interest rate, a shorter or longer time to pay it back, or a different monthly payment. People often refinance to get a lower interest rate, which can save them money over time, or to switch from a loan with a rate that changes to one with a fixed rate.

How do I find the best refinance company?

There's no single 'best' company for everyone. The best choice for you depends on what you need. Look for companies that offer the types of loans you're interested in, are clear about their costs and rates, and have good reviews from customers. It's smart to compare offers from a few different lenders before you decide.

Is it cheaper to refinance with my current lender?

Not always. While your current lender might offer you a good deal, it's not a guarantee. You could find even better interest rates or lower fees by looking at other companies. Always compare offers from multiple lenders to make sure you're getting the best possible deal for your refinance.

What factors affect my refinance rate?

Several things can influence the interest rate you'll get when you refinance. Your credit score is a big one – a higher score usually means a lower rate. The amount of money you still owe on your home compared to its value (loan-to-value ratio) also plays a role. Plus, the overall economic conditions and what lenders are offering at the time matter.

How long does it take to refinance a mortgage?

The time it takes to refinance can vary. Typically, the process can take anywhere from 30 to 45 days from when you apply until the loan is finalized. Some lenders might be faster, while others might take a bit longer, depending on how quickly you provide documents and how busy they are.

What's the difference between a rate-and-term refinance and a cash-out refinance?

A rate-and-term refinance is when you get a new loan to replace your old one, usually to get a better interest rate or change the loan's length. A cash-out refinance does the same, but the new loan is for a larger amount than you owe. You get the extra money as cash, which you can use for things like home improvements or paying off debt.