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Best 30-Year Mortgage Lenders of 2022

Buy your home knowing that you've compared rates from the best mortgage lenders in today's housing market.

Best 30-Year Mortgage Lenders of 2022

Most homebuyers opt for a 30-year fixed mortgage, which allows you to pay back your loan over the course of 30 years at a stable interest rate. Explore these 30-year mortgage lenders and find your perfect fit.

Compare the Best Mortgage Lenders of 2022

Lender BestMoney Rating Standout Feature Learn More
9.8 ★★★★★ Get a Verified Approval Letter in minutes
9.3 ★★★★★ Protect your rate for 90 days with Lock & Shop
9.1 ★★★★✰ Application process 100% online
9.3 ★★★★✰ Funded $60 Billion in home loans to date
8.3 ★★★★✰ Lock today’s rate for 3 months with Rateshield

Why are 30 year home loans the most popular? 

30 year mortgages provide the buyer with lower monthly payments and a stable interest rate, allowing buyers to invest in more expensive properties. Because the loan is repaid over a longer term, the interest rates are higher and therefore the overall payment is larger. However, lower monthly payments give buyers some flexibility in terms of monthly budgeting if they anticipate any job instability. Rates and terms typically depend on factors such as credit score, property location, down payment size, and federal loan eligibility.

Top Mortgage Lenders to Explore:

1. Quicken Loans

2. Amerisave Mortgage

3. New American Funding

4. Veterans United Home Loans

5. Rocket Mortgage

6. Lendingtree

You still have flexibility with a 30 year mortgage

You can pay your 30 year mortgage off early, and it can be a great financial decision which can save you a lot of money over time. You can do this by making more frequent payments, by paying larger amounts, or by refinancing.

Compare Our Top Lenders

Quicken LoansIf you want to purchase or refinance your home with the convenience of online tech while still having easy access to a real human, Quicken Loans offers both. They will hold your hand through the process and are upfront about fees and rates every step of the way. Quicken offers a large range of mortgage options including refinance loans, FHA, USDA, VA loans, jumbo loans and more. Read our full review of Quicken Loans. 

Pros Cons
Ranked #1 in customer satisfaction by J.D. Power No HELOCs or home equity loans offered
Easy online application process

Quicken LoansQuicken LoansVisit Quicken Loans

AmeriSaveAmerisave offers both traditional mortgages and several government-backed loan options. Its variety of loan repayment terms give borrowers the flexibility to find the right choice for their impending home purchase or home refinance. A straightforward application process also helps customers close on their homes more quickly. AmeriSave is known for offering streamlined online applications with the option of contacting customer support any time you need assistance. Read our full review of Amerisave Mortgage. 

Pros Cons
Get a customized rate in 3 minutes with no SSN needed Not licensed in New York State
Lock your rate for 90 days with Lock & Shop

AmeriSave MortgageAmeriSave MortgageVisit Amerisave

 New American FundingNew American Funding offers a full suite of conventional and government-backed mortgages, with extra support for: first-time buyers, minorities, retirees, high-net worth buyers. It started out as a family business and has stayed true to its roots, maintaining its independence and prioritizing a high level of customer service. Customers can apply for and manage their loans online, by phone, or in person, for maximum convenience and flexibility.  Read our full review of New American Funding. 

Pros Cons
Access to a full suite of mortgage products Rates are not accessible without entering contact information
Bilingual customer support; English and Spanish

New American FundingNew American FundingVisit New American Funding Veterans UnitedVeterans United does one thing, but it does it very well: VA loans. There are plenty of lenders and organizations out there dedicated to getting veterans into their dream home but few can claim to approach VA loans with quite the same dedication as Veterans United. VA loans are available to anyone who meets the minimum qualification requirements set by the Department of Veterans Affairs.   Read our full review of Veterans United. 

Pros Cons
24/7 customer service No home equity loans
Licensed in all 50 states

Veterans United Home LoansVeterans United Home LoansVisit Veterans UnitedRocket MortgageRocket Mortgage is a fast and digitally advanced mortgage loan provider that offers a range of refinancing and mortgage options. The application process is entirely online and accelerated due to advanced automated tools. Between a user-friendly website and well-designed mobile apps, Rocket Mortgage makes it easy to keep coming back and checking up on real time APR rates until you find the exact deal you want.   Read our full review of Rocket Mortgage.

Pros Cons
Real-time rate updates No brick and mortar locations
Flexible loan-term lengths

Rocket MortgageRocket MortgageVisit Rocket Mortgage

Top 5 Mortgage Lenders


Quicken Loans

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Rocket Mortgage

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Veterans United Home Loans

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New American Funding

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