West Virginia’s Best Mortgage Lenders & Current Mortgage Rates


Do you want to relocate to the Mountain State? Other people are considering it, too. West Virginia has just under 900,000 housing units a homeownership rate of about 73%, according to the U.S. Census Bureau’s 2018 American Community Survey.

The median housing value for West Virginia is $121,300, which is a little over half of the $229,700 national median value. In some areas of the state, you may be able to find even cheaper housing options.

U.S. News’ Best West Virginia Mortgage Lenders of 2021

PNC Bank

3% Min. Down Payment
Not disclosed Min. Credit Score

Chase

3% Min. Down Payment
620 Min. Credit Score

McGlone

5% Min. Down Payment
Not disclosed Min. Credit Score

Lender

Learn More
3% Min. Down Payment
Not disclosed Min. Credit Score

Lender

Learn More
3% Min. Down Payment
620 Min. Credit Score

Lender

Learn More
5% Min. Down Payment
Not disclosed Min. Credit Score

Best for bad credit

Carrington Mortgage Services makes a range of mortgages, including refinancing, available to borrowers nationwide. The company, which provides conventional government-backed mortgages, has funded $22 billion in home loans since 2011.

Before You Apply

  • Mortgage types: conventional, FHA, VA, USDA, ARM, Carrington Flexible Advantage, first-time buyers, refinancing
  • Minimum FICO credit score: 500
  • Maximum loan amount: $2.5 million
  • Better Business Bureau rating: A+

Best Features

  • Applicants with credit scores as low as 500 are accepted for some products.

  • Conventional loans are offered with down payments as low as 3%.

See full profile

Best for consumers with credit scores between poor good

NBKC Bank is a Kansas-based mortgage lender. It originates home loans in all 50 states.

Before You Apply

  • Mortgage types: conventional, fixed rate, ARM, FHA, refinance, VA, FHA Streamline Refinance, Refi Plus, VA Streamline Refinance
  • Minimum FICO credit score: 620
  • Maximum loan amount: Not disclosed
  • Better Business Bureau rating: A+

Best Features

  • Borrowers with fair credit may qualify.

  • It features a simple online application process.

  • VA loan borrowers aren’t charged lender fees.

See full profile

Best for product selection

Guild Mortgage, founded in 1960, specializes in home loans serves borrowers nationwide. The lender’s full suite of products includes conventional government-backed mortgages home renovation loans.

Before You Apply

  • Mortgage types: conventional, FHA, VA, USDA, ARM, refinancing, renovation, jumbo
  • Minimum FICO credit score: 620
  • Maximum loan amount: $2 million
  • Better Business Bureau rating: A+

Best Features

  • A broad range of mortgage products are offered.

  • Special mortgage programs for first-time buyers manufactured homebuyers are available.

See full profile

Best for VA loans

Veterans United Home Loans provides mortgages to veterans military families in all 50 states Washington, D.C., specializes in VA loans.

Before You Apply

  • Mortgage types: VA, VA jumbo, refinance
  • Minimum FICO credit score: 640
  • Maximum loan amount: $1.5 million
  • Better Business Bureau rating: A+

Best Features

  • No down payment or PMI are required.

See full profile

Best online bank for customer service

Ally Bank is a Detroit-based online bank. Ally offers traditional banking products services, such as conventional mortgages, as well as refinance loans jumbo home loans.

Before You Apply

  • Mortgage types: fixed rate, ARM, home equity loans, refinancing, HomeReady for first-time homebuyers
  • Minimum FICO credit score: 620
  • Maximum loan amount: $4 million
  • Better Business Bureau rating: A+

Best Features

  • A program is available for first-time homebuyers.

  • Existing Ally customers can get a closing cost discount.

See full profile

Best for large loan amounts

Bank of America serves roughly 66 million customers in all 50 states. The lender offers conventional, Federal Housing Administration, Department of Veterans Affairs jumbo loans, as well as home equity lines of credit mortgage refinancing.

Before You Apply

  • Mortgage types: fixed rate, Affordable Loan Solution, FHA, VA, ARM, home equity line of credit, fixed-rate refinancing, FHA refinancing, VA refinancing, cash-out refinancing, adjustable-rate refinancing, jumbo
  • Minimum FICO credit score: Not disclosed
  • Maximum loan amount: $2.5 million
  • Better Business Bureau rating: A+

Best Features

  • Bank of America has a wide variety of mortgage products.

  • The lender offers origination fee discounts for qualifying Bank of America Merrill Lynch clients.

  • Home equity lines of credit have no annual, application or cash advance fees or closing costs.

  • Bank of America offers a first-time homebuyer program.

See full profile

Best for low down payment

PNC Bank is one of the largest U.S. banks, serving more than 8 million customers in all 50 states. PNC offers most types of mortgages.

Before You Apply

  • Mortgage types: fixed rate, FHA, VA, USDA, ARM, home equity line of credit, refinancing, medical professional mortgage program, jumbo, PNC Community
  • Minimum FICO credit score: Not disclosed
  • Maximum loan amount: $5 million
  • Better Business Bureau rating: A+

Best Features

  • Multiple types of mortgages are available.

  • Some mortgage options require no or low down payments.

  • PNC supplies an online home ownership cost tool.

See full profile

Best for no down payment

Alliant Credit Union is a nonprofit financial cooperative. The credit union serves customers in all 50 states. Mortgage products include conventional, jumbo refinancing loans, home equity lines of credit.

Before You Apply

  • Mortgage types: Traditional, ARM, refinancing, home equity line of credit, Alliant Advantage Mortgage
  • Minimum FICO credit score: 620
  • Maximum loan amount: $2.5 million
  • Better Business Bureau rating: A+

Best Features

  • No-down-payment mortgages are available for first-time homebuyers with excellent credit.

  • Mortgages are available to borrowers with FICO credit scores as low as 620.

See full profile

Best for online service

Caliber Home Loans of Coppell, Texas, offers mortgage home equity products nationwide. Options include conventional, adjustable-rate, refinancing, Federal Housing Administration, U.S. Department of Agriculture Veterans Affairs loans. Caliber has been in business since 2008, is focused on home lending products.

Before You Apply

  • Mortgage types: conventional, FHA, VA, USDA, ARM, refinancing, bond, renovation, Freddie Mac HomeOne, Freddie Mac Home Possible, Fannie Mae HomeReady
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A

Best Features

  • The first-time homebuyer program HomeOne can require a down payment of as little as 3% borrowers may qualify with a minimum 620 credit score.

  • Government-insured loans including Federal Housing Administration, Veterans Affairs, United States Department of Agriculture programs are available.

See full profile

What Are the Mortgage Rates in West Virginia?

The average interest rate for a 30-year fixed-rate conforming mortgage in West Virginia is 2.96%.

Home interest rates range from 2.5% to 4% in West Virginia.

What Are Today’s Mortgage Rates?

Mortgage Calculator for West Virginia

Is your dream home within reach? U.S. News’ mortgage calculator will show you how much house you can afford.

What Are Some West Virginia Homebuyer Programs?

The West Virginia Housing Development Fund offers a few options to assist West Virginia homebuyers. Benefits of these programs include breaks on mortgage insurance down payment closing cost assistance.

  • Available to: Income-eligible West Virginia homebuyers.
  • Income limits: Vary by household size (see income limits).
  • First-time homebuyers only? No.
  • Benefits: Access to down payment closing cost assistance of up to $5,000 or $8,000, depending on the loan-to-value-ratio, in the form of a 15-year fixed-rate loan with a 2% interest rate.

  • Available to: Income-eligible West Virginia homebuyers.
  • Income limits: Limited to 80% of area median income (see income limits).
  • First-time homebuyers only? No.
  • Benefits: Access to down payment closing cost assistance of up to $5,000 or $8,000, depending on the loan-to-value-ratio, in the form of a 15-year fixed-rate loan with a 2% interest rate. This program has a reduced interest rate lower private mortgage insurance compared to the regular Movin’ Up program.

  • Available to: Eligible West Virginia homebuyers.
  • Income limits: Vary by county (see income limits).
  • First-time homebuyers only? No.
  • Benefits: Up to 100% financing access to down payment closing cost assistance of up to $7,500 or $10,000, depending on the loan-to-value-ratio, in the form of a 30-year fixed-rate mortgage.

View More Best West Virginia Mortgage Lenders

Best for product range

CMG Financial is a privately held mortgage banking firm operating nationwide with localized support, founded in 1993 based in San Ramon, California. The lender offers a range of products including conventional, government specialty mortgages, like jumbo loans.

Before You Apply

  • Mortgage types: conventional, FHA, VA, USDA, jumbo, All in One Loan, 203K Renovation Loan, Fannie Mae HomeReady, Freddie Mac Home Possible, HomeFundIt, refinance
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A+

Best Features

  • Exclusive mortgage products include the HomeFundIt for crowdfunding a down payment.

  • The lender has a national presence with regional fulfillment local support.

  • CMG Financial offers a mobile app.

See full profile

Best for low costs

Chase, one of the nation’s largest banks, offers mortgages, refinance loans home equity loans for qualified borrowers.

Before You Apply

  • Mortgage types offered: conventional, ARM, conforming, FHA, DreaMaker, VA, jumbo, refinancing
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A+

Best Features

  • Down payments as low as 3% are accepted.

  • Fixed- adjustable-rate mortgages are available.

See full profile

Best for fair credit

Flagstar offers banking lending products in every state. Borrowers can select from conventional or government-backed mortgages, such as FHA, VA U.S. Department of Agriculture loans, opt for adjustable-rate mortgages. Other choices include home equity loans lines of credit.

Before You Apply

  • Mortgage types: conventional, VA, ARM, FHA, USDA, jumbo, refinance, home equity
  • Minimum FICO credit score: Not disclosed
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A+

Best Features

  • Flagstar Bank provides a broad selection of mortgages home equity loans.

  • Some mortgages require no or a low down payment.

  • Borrowers can apply for loans online.

See full profile

Best for digital mortgages

LoanDepot is an online lender operating in all 50 states with more than 200 in-person branches. The company was founded in 2010 is headquartered in Southern California. LoanDepot offers Federal Housing Administration Department of Veterans Affairs loans, as well as home equity refinancing loans.

Before You Apply

  • Mortgage types: refinance, jumbo, hybrid ARM, fixed rate, HARP, VA, FHA, 203k loan
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A+

Best Features

  • LoanDepot mortgages have a lifetime guarantee, which means if you ever decide to refinance an existing LoanDepot loan, the company will waive the lender fees reimburse appraisal fees.

  • The company offers a variety of mortgage products.

  • It’s licensed in all 50 states.

See full profile

Best for digital customer care

PrimeLending is a Dallas-based mortgage lender with several mortgage loan options, including conventional loans, jumbo loans, government-backed loans refinance loans. The lender is a subsidiary of PlainsCapital Bank.

Before You Apply

  • Mortgage types: fixed rate, ARM, conventional, cash-out refinance, refinance, jumbo, FHA, VA, USDA, new construction, interest rate reduction refinance loan
  • Minimum FICO credit score: 640
  • Maximum loan amount: undisclosed
  • Better Business Bureau rating: A+

Best Features

  • Homebuyers can choose from a variety of mortgage products.

  • Home loans are available nationwide.

  • Down payment closing cost assistance is available.

See full profile

Best for array of products

Founded in 1999, McGlone Mortgage Group is licensed in multiple states to offer purchase refinance home loans. Headquartered in Appleton, Wisconsin, McGlone Mortgage Group offers many different mortgage options.

Before You Apply

  • Mortgage types: conventional, jumbo, FHA, VA, USDA, HomeReady, High Balance/Super Conforming, Energy Efficient Mortgage, FHA
  • Minimum FICO credit score: Not disclosed
  • Maximum loan amount: $2 million
  • Better Business Bureau rating: A+

Best Features

  • Varied loan options are available.

  • McGlone Mortgage Group offers mortgage calculators other tools.

  • Co-signers are allowed for most loans.

See full profile

Best for conventional mortgage

Citizens Bank is a regional bank based in Providence, Rhode Island. It offers traditional banking services products, including home loans mortgage refinance loans.

Before You Apply

  • Mortgage types: conventional, ARM, refinance, HELOC, jumbo, fixed rate
  • Minimum FICO credit score: undisclosed
  • Maximum loan amount: undisclosed
  • Better Business Bureau rating: A+

Best Features

  • Citizens Bank provides a homebuying service with rewards for borrowers in select states.

  • Homebuyers can get an interest rate discount for qualifying automatic payments.

  • Borrowers can apply online.

See full profile

Best for government loans

Founded in 2008, PennyMac is a national mortgage lender with more than $402 billion in loans serviced. PennyMac offers a range of home loans, including conventional, Federal Housing Administration, Veterans Affairs investment property mortgages.

Before You Apply

  • Mortgage types: conventional, FHA, VA, ARM, refinancing
  • Minimum FICO credit score: 620
  • Maximum loan amount: $765,600
  • Better Business Bureau rating: A+

Best Features

  • PennyMac accepts a 50% debt-to-income ratio for conventional loans in some instances.

  • Online capabilities include a 24/7 access center email status updates.

See full profile

Best for low APR

New American Funding is a national mortgage lender with a variety of home loan options. The lender has processed more than $27 billion in mortgages.

Before You Apply

  • Mortgage types: ARM, cash-out refinance, conventional, FHA, HELOCs, jumbo, reverse, USDA VA
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A+

Best Features

  • Provides multiple mortgage options, including low no down-payment loans

  • Offers fixed- or adjustable-rate mortgages

See full profile

Advertising Disclosure: Some of the loan offers on this site are from companies
who are advertising clients of U.S. News. Advertising considerations may impact
where offers appear on the site but do not affect any editorial decisions,
such as which loan products we write about how we evaluate them. This site
does not include all loan companies or all loan offers available in the marketplace.



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Best High Limit Credit Cards of July 2021


Good credit alone doesn’t guarantee approval for a high-limit card, but it’s a start. Card issuers look at an array of factors to determine your credit limit, according to credit bureau Experian, including:

  • Income.
  • Debt-to-income ratio, or the percentage of your gross monthly income used to pay your monthly debts.
  • Credit history score.
  • History with the creditor.
  • Economic environment.

Your limit will depend on how the credit card issuer weighs these factors. Usually, a history of on-time bill payment a good or excellent credit score increase your chances of getting a high-limit credit card.

If you have a lot of debt your credit utilization is high – you’re using more than 30% of your total credit limit – card issuers probably won’t give you much room to run up more debt. If your credit limit is lower than you wanted, you can call your card issuer to ask for a credit limit increase or request one online.

Also, some issuers will automatically increase your credit limit on a new account after you’ve made a certain number of consecutive on-time payments.

Another way to increase your credit limit is to combine cards, or to merge two or more accounts from the same issuer to boost your buying power. The issuer might not always say yes, but it doesn’t hurt to ask.

You could then use the new card for large purchases, which may be a good idea if it has a better rewards program than the old card or a 0% introductory rate. Just keep your credit utilization low to avoid hurting your credit score.

When you’re applying for a card, you won’t know the credit limit you’ll get beforehand, though some cards come with higher limits than others. Visa Mastercard, for instance, offer three tiers of cards, with the top levels requiring the highest FICO scores but having the highest credit limits a variety of benefits.



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Best Oklahoma Mortgage Lenders


If you’re planning to settle down in the Sooner State, you’ll be joining 3.9 million fellow Oklahomans who call the state home. There are about 1.7 million housing units an above-average homeownership rate of 65% in Oklahoma, according to the U.S. Census Bureau’s 2018 American Community Survey.

Oklahoma’s median housing value is $140,000, which is well below the national median of $229,700. Home values can vary by region, however, with some counties’ average home prices going as low as $53,100.

U.S. News’ Best Oklahoma Mortgage Lenders of 2021

PNC Bank

3% Min. Down Payment
Not disclosed Min. Credit Score

Chase

3% Min. Down Payment
620 Min. Credit Score

McGlone

5% Min. Down Payment
Not disclosed Min. Credit Score

Lender

Learn More
3% Min. Down Payment
Not disclosed Min. Credit Score

Lender

Learn More
3% Min. Down Payment
620 Min. Credit Score

Lender

Learn More
5% Min. Down Payment
Not disclosed Min. Credit Score

Best for bad credit

Carrington Mortgage Services makes a range of mortgages, including refinancing, available to borrowers nationwide. The company, which provides conventional government-backed mortgages, has funded $22 billion in home loans since 2011.

Before You Apply

  • Mortgage types: conventional, FHA, VA, USDA, ARM, Carrington Flexible Advantage, first-time buyers, refinancing
  • Minimum FICO credit score: 500
  • Maximum loan amount: $2.5 million
  • Better Business Bureau rating: A+

Best Features

  • Applicants with credit scores as low as 500 are accepted for some products.

  • Conventional loans are offered with down payments as low as 3%.

See full profile

Best for product availability

Fairway Independent Mortgage Corp. is based in Madison, Wisconsin, has funded billions of dollars in loans since the company began in 1996 – more than $58 billion in 2020 alone. The lender offers several mortgage products, including conventional, Federal Housing Administration, U.S. Department of Agriculture, U.S. Department of Veterans Affairs refinancing loans. Fairway Independent Mortgage also provides jumbo loans for home purchases in high-cost markets, renovation loans, adjustable-rate mortgages reverse mortgages. Fairway is an independent mortgage company serves as a mortgage broker direct lender.

Before You Apply

  • Mortgage types: fixed rate, ARM, conventional, USDA/Rural Development, FHA, VA, jumbo, refinance, renovation, reverse mortgage
  • Minimum FICO credit score: 580
  • Maximum loan amount: undisclosed
  • Better Business Bureau rating: A+

Best Features

  • The selection of mortgages includes VA USDA loans, which often have no down payment requirements.

  • The company has an A+ customer service rating with the Better Business Bureau.

  • Renovation loan options include the HomeStyle Renovation Loan, which combines the cost of remodeling the mortgage into one loan.

See full profile

Best for consumers with credit scores between poor good

NBKC Bank is a Kansas-based mortgage lender. It originates home loans in all 50 states.

Before You Apply

  • Mortgage types: conventional, fixed rate, ARM, FHA, refinance, VA, FHA Streamline Refinance, Refi Plus, VA Streamline Refinance
  • Minimum FICO credit score: 620
  • Maximum loan amount: Not disclosed
  • Better Business Bureau rating: A+

Best Features

  • Borrowers with fair credit may qualify.

  • It features a simple online application process.

  • VA loan borrowers aren’t charged lender fees.

See full profile

Best for product selection

Guild Mortgage, founded in 1960, specializes in home loans serves borrowers nationwide. The lender’s full suite of products includes conventional government-backed mortgages home renovation loans.

Before You Apply

  • Mortgage types: conventional, FHA, VA, USDA, ARM, refinancing, renovation, jumbo
  • Minimum FICO credit score: 620
  • Maximum loan amount: $2 million
  • Better Business Bureau rating: A+

Best Features

  • A broad range of mortgage products are offered.

  • Special mortgage programs for first-time buyers manufactured homebuyers are available.

See full profile

Best for VA loans

Veterans United Home Loans provides mortgages to veterans military families in all 50 states Washington, D.C., specializes in VA loans.

Before You Apply

  • Mortgage types: VA, VA jumbo, refinance
  • Minimum FICO credit score: 640
  • Maximum loan amount: $1.5 million
  • Better Business Bureau rating: A+

Best Features

  • No down payment or PMI are required.

See full profile

Best online bank for customer service

Ally Bank is a Detroit-based online bank. Ally offers traditional banking products services, such as conventional mortgages, as well as refinance loans jumbo home loans.

Before You Apply

  • Mortgage types: fixed rate, ARM, home equity loans, refinancing, HomeReady for first-time homebuyers
  • Minimum FICO credit score: 620
  • Maximum loan amount: $4 million
  • Better Business Bureau rating: A+

Best Features

  • A program is available for first-time homebuyers.

  • Existing Ally customers can get a closing cost discount.

See full profile

Best for large loan amounts

Bank of America serves roughly 66 million customers in all 50 states. The lender offers conventional, Federal Housing Administration, Department of Veterans Affairs jumbo loans, as well as home equity lines of credit mortgage refinancing.

Before You Apply

  • Mortgage types: fixed rate, Affordable Loan Solution, FHA, VA, ARM, home equity line of credit, fixed-rate refinancing, FHA refinancing, VA refinancing, cash-out refinancing, adjustable-rate refinancing, jumbo
  • Minimum FICO credit score: Not disclosed
  • Maximum loan amount: $2.5 million
  • Better Business Bureau rating: A+

Best Features

  • Bank of America has a wide variety of mortgage products.

  • The lender offers origination fee discounts for qualifying Bank of America Merrill Lynch clients.

  • Home equity lines of credit have no annual, application or cash advance fees or closing costs.

  • Bank of America offers a first-time homebuyer program.

See full profile

Best for low down payment

PNC Bank is one of the largest U.S. banks, serving more than 8 million customers in all 50 states. PNC offers most types of mortgages.

Before You Apply

  • Mortgage types: fixed rate, FHA, VA, USDA, ARM, home equity line of credit, refinancing, medical professional mortgage program, jumbo, PNC Community
  • Minimum FICO credit score: Not disclosed
  • Maximum loan amount: $5 million
  • Better Business Bureau rating: A+

Best Features

  • Multiple types of mortgages are available.

  • Some mortgage options require no or low down payments.

  • PNC supplies an online home ownership cost tool.

See full profile

Best for no down payment

Alliant Credit Union is a nonprofit financial cooperative. The credit union serves customers in all 50 states. Mortgage products include conventional, jumbo refinancing loans, home equity lines of credit.

Before You Apply

  • Mortgage types: Traditional, ARM, refinancing, home equity line of credit, Alliant Advantage Mortgage
  • Minimum FICO credit score: 620
  • Maximum loan amount: $2.5 million
  • Better Business Bureau rating: A+

Best Features

  • No-down-payment mortgages are available for first-time homebuyers with excellent credit.

  • Mortgages are available to borrowers with FICO credit scores as low as 620.

See full profile

Best for online service

Caliber Home Loans of Coppell, Texas, offers mortgage home equity products nationwide. Options include conventional, adjustable-rate, refinancing, Federal Housing Administration, U.S. Department of Agriculture Veterans Affairs loans. Caliber has been in business since 2008, is focused on home lending products.

Before You Apply

  • Mortgage types: conventional, FHA, VA, USDA, ARM, refinancing, bond, renovation, Freddie Mac HomeOne, Freddie Mac Home Possible, Fannie Mae HomeReady
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A

Best Features

  • The first-time homebuyer program HomeOne can require a down payment of as little as 3% borrowers may qualify with a minimum 620 credit score.

  • Government-insured loans including Federal Housing Administration, Veterans Affairs, United States Department of Agriculture programs are available.

See full profile

What Are the Mortgage Rates in Oklahoma?

The average interest rate for a 30-year fixed-rate conforming mortgage in Oklahoma is 2.94%.

Home interest rates range from 2.5% to 4% in Oklahoma.

What Are Today’s Mortgage Rates?

Locking in a low mortgage rate today can save you thousands over the life of your loan. Compare your mortgage rate offers with national average trends.

Mortgage Calculator

Is your dream home within reach? U.S. News’ mortgage calculator will show you how much house you can afford.

What Are Some Oklahoma Homebuyer Programs?

Oklahoma homebuyers can get favorable mortgage rates help with down payments closing costs from these programs.

  • Available to: First-time homebuyers or those buying homes in certain locations.
  • Income limits: Vary by county (see income limits).
  • First-time homebuyers only?: No.
  • Loan options: 30-year fixed-rate mortgages.
  • Down payment closing cost assistance: Borrowers get 3.5% or 4% toward the total loan amount.

  • Available to: First-time homebuyers with a credit score of 640 or above who are teachers, firefighters, law enforcement, emergency medical services or Oklahoma state employees.
  • Income limits: Vary by county (see income limits).
  • First-time homebuyers only?: Yes.
  • Benefit: OHFA offers a quarter-percent reduction from the daily posted rates for first-time homebuyers in these professions.
  • Down payment closing cost assistance: 3.5% of total loan amount.

View More Best Oklahoma Mortgage Lenders

Best for product range

CMG Financial is a privately held mortgage banking firm operating nationwide with localized support, founded in 1993 based in San Ramon, California. The lender offers a range of products including conventional, government specialty mortgages, like jumbo loans.

Before You Apply

  • Mortgage types: conventional, FHA, VA, USDA, jumbo, All in One Loan, 203K Renovation Loan, Fannie Mae HomeReady, Freddie Mac Home Possible, HomeFundIt, refinance
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A+

Best Features

  • Exclusive mortgage products include the HomeFundIt for crowdfunding a down payment.

  • The lender has a national presence with regional fulfillment local support.

  • CMG Financial offers a mobile app.

See full profile

Best for low costs

Chase, one of the nation’s largest banks, offers mortgages, refinance loans home equity loans for qualified borrowers.

Before You Apply

  • Mortgage types offered: conventional, ARM, conforming, FHA, DreaMaker, VA, jumbo, refinancing
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A+

Best Features

  • Down payments as low as 3% are accepted.

  • Fixed- adjustable-rate mortgages are available.

See full profile

Best for fair credit

Flagstar offers banking lending products in every state. Borrowers can select from conventional or government-backed mortgages, such as FHA, VA U.S. Department of Agriculture loans, opt for adjustable-rate mortgages. Other choices include home equity loans lines of credit.

Before You Apply

  • Mortgage types: conventional, VA, ARM, FHA, USDA, jumbo, refinance, home equity
  • Minimum FICO credit score: Not disclosed
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A+

Best Features

  • Flagstar Bank provides a broad selection of mortgages home equity loans.

  • Some mortgages require no or a low down payment.

  • Borrowers can apply for loans online.

See full profile

Best for digital mortgages

LoanDepot is an online lender operating in all 50 states with more than 200 in-person branches. The company was founded in 2010 is headquartered in Southern California. LoanDepot offers Federal Housing Administration Department of Veterans Affairs loans, as well as home equity refinancing loans.

Before You Apply

  • Mortgage types: refinance, jumbo, hybrid ARM, fixed rate, HARP, VA, FHA, 203k loan
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A+

Best Features

  • LoanDepot mortgages have a lifetime guarantee, which means if you ever decide to refinance an existing LoanDepot loan, the company will waive the lender fees reimburse appraisal fees.

  • The company offers a variety of mortgage products.

  • It’s licensed in all 50 states.

See full profile

Best for digital customer care

PrimeLending is a Dallas-based mortgage lender with several mortgage loan options, including conventional loans, jumbo loans, government-backed loans refinance loans. The lender is a subsidiary of PlainsCapital Bank.

Before You Apply

  • Mortgage types: fixed rate, ARM, conventional, cash-out refinance, refinance, jumbo, FHA, VA, USDA, new construction, interest rate reduction refinance loan
  • Minimum FICO credit score: 640
  • Maximum loan amount: undisclosed
  • Better Business Bureau rating: A+

Best Features

  • Homebuyers can choose from a variety of mortgage products.

  • Home loans are available nationwide.

  • Down payment closing cost assistance is available.

See full profile

Best for array of products

Founded in 1999, McGlone Mortgage Group is licensed in multiple states to offer purchase refinance home loans. Headquartered in Appleton, Wisconsin, McGlone Mortgage Group offers many different mortgage options.

Before You Apply

  • Mortgage types: conventional, jumbo, FHA, VA, USDA, HomeReady, High Balance/Super Conforming, Energy Efficient Mortgage, FHA
  • Minimum FICO credit score: Not disclosed
  • Maximum loan amount: $2 million
  • Better Business Bureau rating: A+

Best Features

  • Varied loan options are available.

  • McGlone Mortgage Group offers mortgage calculators other tools.

  • Co-signers are allowed for most loans.

See full profile

Best for conventional mortgage

Citizens Bank is a regional bank based in Providence, Rhode Island. It offers traditional banking services products, including home loans mortgage refinance loans.

Before You Apply

  • Mortgage types: conventional, ARM, refinance, HELOC, jumbo, fixed rate
  • Minimum FICO credit score: undisclosed
  • Maximum loan amount: undisclosed
  • Better Business Bureau rating: A+

Best Features

  • Citizens Bank provides a homebuying service with rewards for borrowers in select states.

  • Homebuyers can get an interest rate discount for qualifying automatic payments.

  • Borrowers can apply online.

See full profile

Best for government loans

Founded in 2008, PennyMac is a national mortgage lender with more than $402 billion in loans serviced. PennyMac offers a range of home loans, including conventional, Federal Housing Administration, Veterans Affairs investment property mortgages.

Before You Apply

  • Mortgage types: conventional, FHA, VA, ARM, refinancing
  • Minimum FICO credit score: 620
  • Maximum loan amount: $765,600
  • Better Business Bureau rating: A+

Best Features

  • PennyMac accepts a 50% debt-to-income ratio for conventional loans in some instances.

  • Online capabilities include a 24/7 access center email status updates.

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Best for low APR

New American Funding is a national mortgage lender with a variety of home loan options. The lender has processed more than $27 billion in mortgages.

Before You Apply

  • Mortgage types: ARM, cash-out refinance, conventional, FHA, HELOCs, jumbo, reverse, USDA VA
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A+

Best Features

  • Provides multiple mortgage options, including low no down-payment loans

  • Offers fixed- or adjustable-rate mortgages

See full profile

Advertising Disclosure: Some of the loan offers on this site are from companies
who are advertising clients of U.S. News. Advertising considerations may impact
where offers appear on the site but do not affect any editorial decisions,
such as which loan products we write about how we evaluate them. This site
does not include all loan companies or all loan offers available in the marketplace.



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Colorado’s Best Mortgage Lenders & Current Mortgage Rates


If you’d like to buy a home near the Rocky Mountains, Colorado’s 2.4 million housing units provide a lot of options. Colorado has a homeownership rate of 65%, according to the U.S. Census Bureau’s 2018 American Community Survey.

The state’s median housing value is $373,300, which is well above the national average of $229,700. Home values vary by region, so homes in some Colorado counties reach as high as $623,400.

U.S. News’ Best Colorado Mortgage Lenders

U.S. News conducted an in-depth review of leading direct mortgage lenders. Research was based on program availability customer satisfaction ratings. Because each consumer has different needs, the top finishers in several key areas were chosen.

Chase

3% Min. Down Payment
620 Min. Credit Score

Lender

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3% Min. Down Payment
620 Min. Credit Score

Best for VA loans

Veterans United Home Loans provides mortgages to veterans military families in all 50 states Washington, D.C., specializes in VA loans.

Before You Apply

  • Mortgage types: VA, VA jumbo, refinance
  • Minimum FICO credit score: 640
  • Maximum loan amount: $1.5 million
  • Better Business Bureau rating: A+

Best Features

  • No down payment or PMI are required.

See full profile

Best for large loan amounts

Bank of America serves roughly 66 million customers in all 50 states. The lender offers conventional, Federal Housing Administration, Department of Veterans Affairs jumbo loans, as well as home equity lines of credit mortgage refinancing.

Before You Apply

  • Mortgage types: fixed rate, Affordable Loan Solution, FHA, VA, ARM, home equity line of credit, fixed-rate refinancing, FHA refinancing, VA refinancing, cash-out refinancing, adjustable-rate refinancing, jumbo
  • Minimum FICO credit score: Not disclosed
  • Maximum loan amount: $2.5 million
  • Better Business Bureau rating: A+

Best Features

  • Bank of America has a wide variety of mortgage products.

  • The lender offers origination fee discounts for qualifying Bank of America Merrill Lynch clients.

  • Home equity lines of credit have no annual, application or cash advance fees or closing costs.

  • Bank of America offers a first-time homebuyer program.

See full profile

Best for online service

Caliber Home Loans of Coppell, Texas, offers mortgage home equity products nationwide. Options include conventional, adjustable-rate, refinancing, Federal Housing Administration, U.S. Department of Agriculture Veterans Affairs loans. Caliber has been in business since 2008, is focused on home lending products.

Before You Apply

  • Mortgage types: conventional, FHA, VA, USDA, ARM, refinancing, bond, renovation, Freddie Mac HomeOne, Freddie Mac Home Possible, Fannie Mae HomeReady
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A

Best Features

  • The first-time homebuyer program HomeOne can require a down payment of as little as 3% borrowers may qualify with a minimum 620 credit score.

  • Government-insured loans including Federal Housing Administration, Veterans Affairs, United States Department of Agriculture programs are available.

See full profile

Best for low costs

Chase, one of the nation’s largest banks, offers mortgages, refinance loans home equity loans for qualified borrowers.

Before You Apply

  • Mortgage types offered: conventional, ARM, conforming, FHA, DreaMaker, VA, jumbo, refinancing
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A+

Best Features

  • Down payments as low as 3% are accepted.

  • Fixed- adjustable-rate mortgages are available.

See full profile

Best for product selection

Guild Mortgage, founded in 1960, specializes in home loans serves borrowers nationwide. The lender’s full suite of products includes conventional government-backed mortgages home renovation loans.

Before You Apply

  • Mortgage types: conventional, FHA, VA, USDA, ARM, refinancing, renovation, jumbo
  • Minimum FICO credit score: 620
  • Maximum loan amount: $2 million
  • Better Business Bureau rating: A+

Best Features

  • A broad range of mortgage products are offered.

  • Special mortgage programs for first-time buyers manufactured homebuyers are available.

See full profile

Best for digital mortgages

LoanDepot is an online lender operating in all 50 states with more than 200 in-person branches. The company was founded in 2010 is headquartered in Southern California. LoanDepot offers Federal Housing Administration Department of Veterans Affairs loans, as well as home equity refinancing loans.

Before You Apply

  • Mortgage types: refinance, jumbo, hybrid ARM, fixed rate, HARP, VA, FHA, 203k loan
  • Minimum FICO credit score: 620
  • Maximum loan amount: $3 million
  • Better Business Bureau rating: A+

Best Features

  • LoanDepot mortgages have a lifetime guarantee, which means if you ever decide to refinance an existing LoanDepot loan, the company will waive the lender fees reimburse appraisal fees.

  • The company offers a variety of mortgage products.

  • It’s licensed in all 50 states.

See full profile

Best for digital customer care

PrimeLending is a Dallas-based mortgage lender with several mortgage loan options, including conventional loans, jumbo loans, government-backed loans refinance loans. The lender is a subsidiary of PlainsCapital Bank.

Before You Apply

  • Mortgage types: fixed rate, ARM, conventional, cash-out refinance, refinance, jumbo, FHA, VA, USDA, new construction, interest rate reduction refinance loan
  • Minimum FICO credit score: 640
  • Maximum loan amount: undisclosed
  • Better Business Bureau rating: A+

Best Features

  • Homebuyers can choose from a variety of mortgage products.

  • Home loans are available nationwide.

  • Down payment closing cost assistance is available.

See full profile

Best for: Borrowers who want an online experience plus top-notch customer service

Quicken Loans is a nationwide mortgage lender with several mortgage options. Known for customer service, the lender has an A+ Better Business Bureau rating received a rating of five (among the best) in the 2018 U.S. Primary Mortgage Origination Satisfaction Study.

Highlights:

  • Mortgage types offered: ARM, FHA, VA, Refinancing (FHA), USDA, Conventional, Refinancing (conventional)
  • Minimum FICO credit score: 580 (FHA), other loans vary
  • Maximum debt-to-income ratio: 60%
  • J.D. Power satisfaction rating: Five out of five

Best Features

  • Complete loan process available online.

  • Wide variety of mortgage products.

  • Good customer service ratings.

See full profile

What Are the Mortgage Rates in Colorado?

The average interest rate for a 30-year fixed-rate conforming mortgage in Colorado is 2.88%.

Home interest rates range from 2.38% to 4% in Colorado.

What Are Today’s Mortgage Rates?

Locking in a low mortgage rate today can save you thousands over the life of your loan. Compare your mortgage rate offers with national average trends.

Mortgage Calculator

Is your dream home within reach? U.S. News’ mortgage calculator will show you how much house you can afford.

What Are Some Colorado Homebuyer Programs?

Colorado homebuyers can get mortgage access help with down payments closing costs from these programs.

  • Available to: Homebuyers using a Colorado Housing Finance Authority loan program.
  • Income limits: Vary by county (see CHFA income limits).
  • First-time homebuyers only?: No.
  • Loan options: 30-year fixed-rate mortgages.
  • Down payment closing cost assistance: Up to 3% of your first mortgage; no repayment is required.

  • Available to: Homebuyers using a CHFA loan program.
  • Income limits: Vary by county (see CHFA income limits).
  • First-time homebuyers only?: No.
  • Loan options: 30-year fixed-rate mortgages.
  • Down payment closing cost assistance: Up to 4% of your first mortgage. Repayment of loan balance is deferred until you pay off your first mortgage, sell or refinance the home.

Advertising Disclosure: Some of the loan offers on this site are from companies
who are advertising clients of U.S. News. Advertising considerations may impact
where offers appear on the site but do not affect any editorial decisions,
such as which loan products we write about how we evaluate them. This site
does not include all loan companies or all loan offers available in the marketplace.



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Best Travel Credit Cards of July 2021


Before signing up for a travel rewards credit card, make sure to assess whether you:

  • Travel frequently. If you don’t consistently spend on airfare, hotels or other travel expenses, consider a cash back credit card instead. These cards have easy redemption options, some of them don’t even have annual fees.
  • Have a good credit score. You have the best chances of being approved for a travel credit card if you have a FICO score of at least 670, which is at the bottom of the good FICO score range. The higher your score, the better your chances to get approved for the elite travel cards.
  • Pay off your balance each month. Because travel credit cards have higher-than-average APRs, you should only get a travel card if you can pay off your balance each month.

To find a travel card that meets your needs, evaluate each card using the following criteria:

  1. Pick the right rewards program for you.
  2. Calculate earning potential.
  3. Factor in sign-up bonuses.
  4. Calculate redemption value.
  5. Subtract annual fees.
  6. Understtravel benefits.
  7. Avoid foreign transaction fees.

1. Pick the right rewards program for you.

Your travel credit card will work either in conjunction with the loyalty program of an airline or hotel chain or with the issuer’s rewards program. Each program has unique terms conditions for earning, redeeming transferring points.

Loyalty airline programs

For some travelers, loyalty to any particular airline lasts only as long as that airline offers the cheapest flights. But frequent flyers might be willing to forgo initial cost savings in exchange for benefits later. Which airline program works best for you depends on how frequently you fly with the airline how much value you can get from your rewards.

Popular airline programs:

Loyalty hotel programs

As with airline cards, choosing a credit card from a hotel group you regularly patronize is likely to offer the best value for earning redeeming rewards.

Popular hotel rewards programs:

General travel rewards programs

Using a general travel credit card earns rewards that can be redeemed for a statement credit or through the issuer’s travel portal, or transferred to partners. Many of these programs also have redemption options for gift cards, experiences more.

Examples:

Which is the right choice?

If you’re loyal to a particular travel brwant to earn rewards take advantage of benefits with the brand, an airline or hotel card is the way to go.

But if you travel infrequently or with many different brands, or simply want more flexibility, a general travel card may be a better choice.

2. Calculate earning potential.

Travel cards earn rewards at different rates for spending in different categories, so you have to analyze your spending habits to determine which card will help you maximize your rewards value. A good travel card will have a range of purchases that qualify as travel spending, which may include flights, hotels car rentals.

Depending on the type of card, these purchases can earn two points per dollar or more. Other purchases may earn one point per dollar or more.

3. Factor in sign-up bonuses.

The most lucrative travel cards offer consumers bonus points for meeting a spending threshold within a few months of opening an account. These bonuses can be worth hundreds of dollars.

4. Calculate redemption value.

Every travel card has a rate at which points or miles are awarded. However, what those points are worth to you depends on redemption value as well as your preferences priorities.

For general travel cards, point valuation may be as simple as the number of points multiplied by the redemption rate, often a rate of 1 cent per point.

Awards travel with airlines or hotels is more complicated. The number of points or miles needed to book a flight or hotel room may fluctuate from card to card.

But airlines hotels frequently adjust the price of award travel based on award level, award availability, time, destination, fare or hotel class, demand, other factors. And rewards values aren’t consistent across all programs: You might be able to redeem a point or mile for a value of 3 cents with one program or less than 1 cent with another.

5. Subtract annual fees.

The average annual fee for travel credit cards is about $139, according to U.S. News research. Credit card companies sometimes entice new users by waiving the annual fee for the first year.

Once the fee kicks in, be sure you’re earning enough rewards or enjoying the other card benefits to compensate for it. Also, about a third of travel cards don’t carry an annual fee.

6. Understtravel benefits.

Travel benefits can be practical tools, discounted pricing or luxe perks. Common benefits include no foreign transaction fees, access to 24/7 concierge or customer service assistance, a free checked bag – sometimes a free checked bag for a travel companion – travel insurance.

The Chase Sapphire Preferred Card, for example, comes with trip cancellation interruption insurance, auto rental collision damage waiver, baggage delay insurance, trip delay reimbursement, 24/7 customer service more.

7. Avoid foreign transaction fees.

Many travel cards don’t charge a foreign transaction fee, which is typically 3% on every purchase in a foreign currency or country. Because these fees can be greater than any rewards you earn, frequent international travelers will want to make this card feature a top priority.



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