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Best Mortgage Lenders
BRAND PASS · U.S. home purchase mortgages
Best Mortgage Lenders
Your next home starts with a clearer mortgage choice. Explore SoFi home purchase mortgages or compare lenders through LendingTree.
Choose a direct lender or a comparison marketplace. Then check the actual rate, fees and monthly payment available to you.
For eligible U.S. borrowers and properties. Rates and approval depend on your circumstances.
About this comparison: BRAND PASS covers two selected options, not the whole market. “Best” depends on your needs; these are not ranked or independently rated. Links currently go to official company websites and are not affiliate links. BRAND PASS does not provide loans or personal mortgage advice. External links open in a new tab.
Find your starting point
A lender directly. Or lenders compared.
These services do different jobs. Start with the approach that suits how you want to shop, then review personalized terms before deciding.
SoFi
Home Purchase Mortgages
A starting point for buyers who want to explore a mortgage directly with SoFi.
- Review home purchase loan options and the online application process.
- Explore low-down-payment options, subject to qualification.
- Check personalized rates and terms on SoFi’s website.
Check before applying: Product availability varies by state. SoFi says its initial rate check uses a soft credit pull; continuing an application involves a hard pull that may affect your credit.
Explore SoFi mortgages ↗
View current requirements and terms on SoFi.
LendingTree
Mortgage Comparison Marketplace
A starting point for buyers who want to explore offers from multiple lenders.
- Use a marketplace to connect with participating mortgage lenders.
- Explore options based on your borrowing profile and location.
- Compare lender terms before choosing where to apply.
Check before submitting: LendingTree is not the mortgage lender. Review its information-sharing and contact consent terms, and ask matched lenders about credit checks and fees.
Explore LendingTree comparisons ↗
Available matches and offers depend on your profile.
SoFi vs. LendingTree at a glance
The main difference is how you shop. Neither route guarantees the lowest rate or mortgage approval.
| What matters | SoFi | LendingTree |
|---|---|---|
| Service | Direct mortgage lender | Marketplace connecting borrowers with lenders |
| Useful starting point | Exploring a mortgage with SoFi directly | Exploring multiple participating lenders |
| Rate and fees | Personalized by SoFi | Set by the lenders offering loans |
| Availability | Depends on product, state and eligibility | Depends on lender matches and eligibility |
| Next step | View SoFi options ↗ | View LendingTree options ↗ |
Make the numbers work for you
Look beyond the headline rate.
Compare Loan Estimates for the same loan amount, type and term. A lower advertised rate can come with higher upfront costs.
01. Rate & borrowing costs
Review the interest rate, APR, discount points and lender fees together. Ask whether the rate is locked and for how long.
02. Total monthly payment
Budget for principal, interest, property taxes, homeowners insurance and any mortgage insurance or HOA fees.
03. Cash needed to close
Check the down payment, closing costs and lender credits. Keep room in your budget for moving and repairs.
Before you start: Have your target home price, down payment, income and monthly debts ready. Review each provider’s privacy and credit-check terms before sharing personal information.
Mortgage questions, answered.
Which is better for me: SoFi or LendingTree?
SoFi is an option if you want to explore a loan with a direct lender. LendingTree is an option if you want to explore multiple participating lenders through a marketplace. The right mortgage depends on the actual offers, costs and service available to you.
Is LendingTree a mortgage lender?
No. It connects borrowers with participating lenders. The lender you choose handles its loan offer, underwriting and approval.
Can I buy a home without a 20% down payment?
Some mortgage products allow a lower down payment. SoFi advertises low-down-payment options for qualifying borrowers. Check the specific loan requirements and any mortgage insurance costs with the lender.
Will checking mortgage options affect my credit?
It depends on the provider and stage of the process. SoFi says its initial rate check uses a soft pull, while continuing an application involves a hard pull. For marketplace matches, confirm the credit-check process with each lender before proceeding.
Are these products for UK homebuyers?
This page covers U.S. mortgage services for eligible borrowers and properties. It is not a comparison of UK residential mortgages.
Does preapproval guarantee a mortgage?
No. Preapproval is conditional. Final approval depends on underwriting, verification and the property meeting the lender’s requirements.
Your next step
Find out what is available to you.
Explore SoFi directly or start a lender comparison with LendingTree. Review your personalized terms before choosing a mortgage.
You will continue on the provider’s website. No application or personal financial information is collected on this page.
Sources: SoFi mortgage information · LendingTree mortgage information · CFPB home loan toolkit. Information checked 8 October 2026. Provider terms can change.
General information only, not personalized financial advice. Approval, rates and availability are not guaranteed. Your home secures the mortgage; missed payments can lead to foreclosure.