10 Mortgage Lenders to Consider in 2026

NEW YORK, Sept. 30, 2026 — Choosing a mortgage lender involves comparing borrowing costs, closing timelines and the service borrowers can expect during the loan process. Ten mortgage providers show differences across these measures, including reported costs ranging from 1% to 3% and closing timelines ranging from 14 to 90 days.

The 10 mortgage providers are Rocket Mortgage, Watermark Home Loans, New American Funding, Bison State Bank, NBKC Bank, Farmers Bank of Kansas City, First Federal Bank, PNC Bank, Wells Fargo and West Capital Lending. Each provider is identified by its National Mortgage Licensing System (NMLS) number, along with information on costs, closing times and customer ratings.

Mortgage Costs Vary Among Lenders

Rocket Mortgage lists a 1% cost figure, while the other nine lenders list 3%. The lenders also report whether their costs are below or similar to the industry average.

Rocket Mortgage, Watermark Home Loans, NBKC Bank, Farmers Bank of Kansas City, First Federal Bank, PNC Bank, Wells Fargo and West Capital Lending list costs below the industry average. New American Funding and Bison State Bank list costs similar to the industry average.

Closing Times Range From 14 to 90 Days

The lenders report closing timelines ranging from 14 days to as many as 90 days. New American Funding lists 14 days, while West Capital Lending lists 14 to 21 days and Watermark Home Loans lists 21 to 30 days.

Bison State Bank lists 30 days, Farmers Bank of Kansas City lists 30 days or less, First Federal Bank lists 30 days, Rocket Mortgage lists 30 to 60 days, NBKC Bank lists 35 days, and Wells Fargo lists 30 to 90 days. PNC Bank does not disclose a closing timeline.

Customer Ratings Range From 4.0 to 4.7

Customer ratings among the lenders range from 4.0 to 4.7 out of 5. Wells Fargo has a 4.7 rating. Rocket Mortgage, New American Funding, First Federal Bank, PNC Bank, and West Capital Lending each have a 4.6 rating.

NBKC Bank has a 4.3 rating, Farmers Bank of Kansas City has a 4.2 rating, and Watermark Home Loans and Bison State Bank each have a 4.0 rating. The ratings provide a separate measure from the costs and closing timelines reported for each lender.

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Mortgage Providers Include Banks and Nonbank Lenders

These providers include both nonbank mortgage companies and banks. Rocket Mortgage and New American Funding are mortgage companies, while PNC Bank and Wells Fargo are banks. Bison State Bank, Farmers Bank of Kansas City and First Federal Bank are regional lenders.

Mortgage costs and closing times can vary based on the loan, borrower and lender. Factors such as loan type, credit history and down payment can affect the terms available to an individual borrower, so the figures reported for each provider should not be treated as quotes for individual borrowers.