A rare full-stack option for investors: nationwide coverage, the lowest rates in our review, and a willingness to structure creative and hard money deals that most large lenders avoid.
Pros
- +Lowest rate range we reviewed (5.75% – 7.40%)
- +Does DSCR, bridge, hard money, conventional, and creative deals
- +Investors can actually reach a human decision-maker
Cons
- −Smaller brand footprint than the megabanks
- −No retail branches
Best for: Active investors who need flexibility and speed.
Strong relationship banking with a global footprint, but the overhead shows up in pricing and there is no real product for investors who need fast, asset-based money.
Pros
- +In-person bankers in most major markets
- +Deep jumbo and portfolio capacity
Cons
- −Rates run higher than non-bank competitors
- −No hard money or creative financing
Best for: Relationship borrowers who want one bank for everything.
Rank #3
United Wholesale Mortgage
Genuinely cheap wholesale pricing, but only through a broker. Works well as one piece of a broader investor financing stack rather than a standalone solution.
Pros
- +Aggressive long-term rates through the broker channel
- +Wide conventional and DSCR product set
Cons
- −Broker-only — no direct retail
- −No hard money or creative structures
Best for: Borrowers already working with a wholesale broker.
A massive non-bank lender built around owner-occupant borrowers. Investors are treated as a secondary audience and pricing rarely leads the market.
Pros
- +Nationwide coverage and online application
- +Reasonable HELOC options for owner-occupants
Cons
- −Investor products are limited
- −Hard to reach decision-makers by phone
Best for: Standard conforming loans on a primary residence.
A polished digital experience that prioritizes marketing spend over price. Fine for a vanilla conforming loan, frustrating for anything unusual.
Pros
- +Slick online application and document handling
- +Brand-name servicing
Cons
- −Rates rarely lead
- −No hard money, creative, or true portfolio products
Best for: First-time buyers who want a guided digital flow.