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The Refinance Companies with the Widest
Variety of Loan Offerings in
2025

The refinance companies that offer the widest variety of loan types and terms.
We look at everything from fixed-rate terms, with 15, 20, or 30-year terms, to adjustable-rate terms and non-conventional loans, such as FHA, USDA, and VA, and more. We rated the nation's leading lenders and brokers to determine which ones offer the most loan options.
Find the right loan for your needs and save.

Disclosure: we receive advertising revenue from some of our clients. More information

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Best Refinance Rates makes the process of finding a refinance lender more streamlined and efficient. To enable us to provide our content, we do sometimes collect revenue from our clients for consumers who visit their site from our site. We do not make any compensation for a consumer merely viewing our content. Although we sometimes adjust the ordering of which companies are profiled based on compensation, we make a point of reviewing each company independent of any compensation that may or may not be received to ensure we preserve the value that consumers enjoy from visiting our site.

Best Loan Variety for Borrowers in

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Ratings Methodology for Loan Variety

The team at Best Refinance Rates has spent hours researching the types of loans each of the top lenders offer in order to figure out which companies have the most variety. To make sure we only include the best companies in the industry, we consider how many loan types are offered, how popular and potentially useful each loan is, and how customizable loans are with each company. While loan variety may not be a meaningful factor for homeowners that have a clear idea of what type of loan they want for their refinance, comparing multiple loan options from one company can lead to greater savings or easier achievement of financial goals for many homeowners. Based on our research, we’ve created the ratings and reviews you see here as convenient guides to the companies with the biggest variety of loans.

Ratings Recap for Loan Variety

Rank
Company
Score
Rank
Company
Score
loanDepot
New American Funding
PennyMac
Quicken Loans
Rocket Mortgage
AmeriSave
Caliber Home Loans
CapCenter Mortgage
Freedom Mortgage
Guaranteed Rate
Mission Home Loans
Mutual of Omaha
Zillow Home Loan
American Advisors Group
Rate Rabbit
SoFi
Beeline
Credible
Discover
Figure
Achieve
Unlock
Bankrate
Best Refi Rates
Cashout Equity
Direct Mortgage Quotes
FHA Rate Guide
LendingTree
Mortgage Rates Pro
Online Mortgage Loans
Veteran.com
AnswerJunkie
Best Refinance Rates
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BestRefinanceRates.com is a comparison website and does not directly fund nor broker loans. As such, we do not represent a single lender. Disclosure: The information on this website is not financial advice. We do not display every loan option that may be available in your area. BestRefinanceRates.com collects advertising revenue from the companies we feature. Learn more

(1) Rates vary by lender and other factors. The displayed interest rates are for informational purposes. They are calculated based on a borrower with good credit, a property value of $500,000, and a loan amount of $400,000, and do not include fees, points, or other closings costs. As such, your final rate can differ.

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