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The Best Refinance Options with
a Higher Credit Score in
2025

The refinance companies that are best for borrowers with a higher credit score.
We rated the nation’s top mortgage providers to see which ones offer the best options for those with a good (700-749) or excellent (750+) credit score.
Take advantage of your credit and start saving today.

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 for Higher Credit Borrowers in

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Ratings Methodology for Higher Credit Borrowers

The team at Best Refinance Rates has spent hours researching how credit scores affect pricing and loan quality for each of the top lenders in order to figure out which ones best serve homeowners with higher credit scores. To make sure we only include the best companies in the industry, we consider credit score requirements, average costs, and how costs tend to change for homeowners with higher credit scores. While having a high credit score generally means lower rates on refinance loans, some companies are better about this than others, which makes comparing rates from multiple companies important for those wanting to save as much as possible. Based on our research, we’ve created the ratings and reviews you see here as convenient guides to the companies that have the most to offer for homeowners with higher credit scores.

Ratings Recap for Higher Credit Borrower

Rank
Company
Score
Rank
Company
Score
New American Funding
AmeriSave
loanDepot
Quicken Loans
Rocket Mortgage
Mutual of Omaha
PennyMac
Rate Rabbit
Beeline
CapCenter Mortgage
Freedom Mortgage
Mission Home Loans
SoFi
Zillow Home Loan
American Advisors Group
Figure
Guaranteed Rate
Achieve
Caliber Home Loans
Credible
Discover
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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