Here's a concise overview of Bankrate's top mortgage lenders for 2023, selected from over 85 lenders nationwide:

Best Overall Mortgage Lender: PNC Bank

• Strong customer service
• Comprehensive branch and online services
• Online personalized rate tool

Best for First-Time Homebuyers: Homefinity

• Multiple low-down payment options
• Down payment assistance programs
• 24/7 loan officer availability

Best for Refinancing: U.S. Bank

• Nationwide presence
• Online rate comparison tool
• Additional home equity products available

Best for Low/Bad Credit: Cardinal Financial

• Nationwide coverage
• Flexible FHA, VA, and USDA loans
• Strong customer satisfaction history

Best VA Mortgage Lender: Veterans United Home Loans

• VA loan specialization
• Competitive rates
• Loyalty rewards for returning customers

Best No-Fee Mortgage Lender: LowRates.com

• Zero lender fees
• Digital application process
• Daily rate updates

Best FHA Mortgage Lender: Mr. Cooper

• FHA loan expertise
• Available across all states and select U.S. territories
• Integrated app and website platform

Best for Jumbo Loans: Ally Bank

• High loan limits
• Reduced down payment requirements
• User-friendly digital experience

Selection Criteria:

• Affordability (APR and fees)
• Loan product variety
• Application and closing efficiency
• Customer service quality
• Digital capabilities

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