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Refinance Companies with the Easiest
Application Process in
2025

The refinance companies that offer the simplest application process.
Applying for a loan can be daunting. We rated the nation’s leading lenders and brokers to determine which ones have the most streamlined and fastest processes.
Save time and enjoy a better refinance experience.

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.

Easiest Application Process for Borrowers in

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Ratings Methodology for Application Process

The team at Best Refinance Rates has spent hours researching the application processes of each of the top lenders in order to figure out which ones make applying for a refinance the simplest. To make sure we only include the best companies in the industry, we consider accepted application methods, average application lengths, and how much personal information is required for prequalification. Based on our research, we’ve created the ratings and reviews you see here as convenient guides to the companies with the easiest application processes.

Ratings Recap for Application Process

Rank
Company
Score
Rank
Company
Score
New American Funding
PennyMac
Rate Rabbit
AmeriSave
Figure
Guaranteed Rate
loanDepot
Quicken Loans
Rocket Mortgage
Unlock
Achieve
CapCenter Mortgage
Credible
American Advisors Group
Bankrate
Beeline
Discover
Mission Home Loans
Mutual of Omaha
Zillow Home Loan
Freedom Mortgage
Best Refi Rates
Caliber Home Loans
LendingTree
Cashout Equity
Direct Mortgage Quotes
FHA Rate Guide
Mortgage Rates Pro
Online Mortgage Loans
SoFi
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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