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Anthropic’s new AI isn’t frontier, but its safeguards are

September 29, 2026 MMN Editor Filed Under: SUCCESS, The Street

On Monday, Sept. 28, 2026, Anthropic released Claude Sonnet 5.5, a faster and cheaper model built for everyday business work.

Anthropic says it does not advance the frontier of its capabilities. Yet it ships with cyber safeguards the company once kept for its most powerful systems.

The reason is blunt. Anthropic said the model’s cyber skills are a “large improvement” over its predecessor and now rival Claude Opus 5, a more expensive model. Higher-risk requests, which could include penetration testing and exploit generation, now get handed to the older Sonnet 5, a company representative told The New Stack.

Cyber skills are reaching cheaper models within weeks

Sonnet 5.5 delivers comparable cyber skill at token prices 60% lower, based on Anthropic’s published rates, and Opus 5 only debuted on Friday, July 24, 2026. A capability the industry treats as dangerous is now getting cheaper on a timeline measured in weeks.

Anthropic did not plan it that way. The company said it deliberately avoided training Opus 5 on cyber tasks, yet the model improved anyway as it grew smarter overall. If that pattern holds, no lab can build a better coding assistant without also sharpening its offensive potential. Artificial intelligence is now at the stage of self-improvement.

The safeguards are climbing just as fast. Sonnet 5 already carried lighter cyber controls modeled on older Opus versions, Yahoo Finance reported in June. Sonnet 5.5 now gets flagship protections.

That complicates the debate CEO Dario Amodei started. In an essay published on Saturday, Sept. 12, 2026, he wrote that “we must slow the pace at which we improve the capabilities of AI models.”

Sonnet 5.5 is the company’s second launch since Dario’s “slow down” essay. The pace that matters for security may be how fast top capability trickles down, not how fast the top rises.

Anthropic says Claude Sonnet 5.5 has cyber skills comparable to Opus 5, making it the first Sonnet to launch with safeguards built for its top models.Leon Neal / Getty Images

Guardrails that stop attackers can also stall defenders

While top-tier safeguards address Amodei’s concerns, these safety filters carry a cost that rarely makes a launch post.

In July, Hugging Face said guardrails on a leading U.S. model blocked its security team from analyzing an attack by autonomous AI agents, Fortune reported. The team switched to GLM 5.2, an open model from China’s Z.ai, running on its own servers.

Hugging Face’s incident recap, as quoted by Constellation Research, framed the imbalance plainly: the attacker “was bound by no usage policy.” Defenders relying on hosted models had no such freedom.

Related: OpenAI paused training again, and Washington’s in the middle of it

That friction now reaches Anthropic’s midtier model.

“Sonnet is really for the cost-conscious customer,” Theo Chu, a research product manager at Anthropic, told CNBC.

API developers must opt in to automatic fallback, according to The New Stack, so companies building on Sonnet 5.5 must plan for that routing.

Sonnet 5.5 is strongest at well-scoped work like spreadsheets, slide decks and polished documents, according to Anthropic. It even beat Opus 5.5 on Terminal-Bench 4.0, an agentic coding test, in company testing.

It falls short on complex, open-ended work needing sustained judgment, where Anthropic says Opus 5.5 stays clearly stronger. Some microbiology and virology requests may also get flagged in error, the company warned.

Anthropic says routine bug fixing stays open. Verified defenders can soon apply for tiered access through an expanded Cyber Verification Program.

Verified access could favor the biggest security firms

This shift toward verified access directly affects the market.

Cybersecurity stocks have traded on Anthropic headlines all year. CrowdStrike (CRWD), Palo Alto Networks (PANW) and Zscaler (ZS) each fell more than 5% on Friday, March 27, 2026, after a report raised concern that Anthropic’s Mythos model could help hackers skirt current defenses, according to Bloomberg. The market’s first instinct treated stronger AI as a threat to incumbents.

That instinct has since flipped. CrowdStrike CEO George Kurtz later credited the Mythos scare for the best quarter in company history.

More Anthropic:

Anthropic just handed Akamai a game-changing deal

Google, OpenAI, and Anthropic just made a move on AI safety

Anthropic researcher resigns and his reason is a warning to us all

Cybersecurity shares then rallied on Monday, Sept. 14, 2026, even as AI stocks sank on Amodei’s slowdown call, CNBC reported.

Verified access pushes that shift further. CrowdStrike and Palo Alto already help test unreleased models from Anthropic and OpenAI, CNBC reported.

As the strongest cyber tools move behind identity checks, vendors inside that circle gain a head start that smaller rivals and in-house teams may struggle to match.

Safety is shifting from the model to the customer

Anthropic is no longer limiting what its models can do. It is now deciding who gets to use its sharpest cyber skills. OpenAI already splits its own cyber program into two access tiers, each requiring identity verification.

The result looks less like a software market and more like banking, where lenders must verify customers before opening accounts. The strongest capabilities go to approved users first.

That matters for investors because Anthropic has no public shares yet. The company confidentially filed for an IPO on Monday, June 1, 2026, and public investors will eventually value a business that sells its most sensitive capabilities through verification, not just a price list.

That framework could lock in enterprise security customers, or it could cap how fast those products grow.

Watch Haiku 5.5, the cheapest tier, which Anthropic says arrives in the coming weeks. If it also needs cyber gates, the word “frontier” will no longer tell regulators or investors where AI risk actually sits.

Related: Anthropic’s IPO is a $300 billion test for Amazon

8 Best VA Loan Lenders of October 2026

September 29, 2026 MMN Editor Filed Under: Money.com, SUCCESS

Key Takeaways

Money’s review of 30-plus VA lenders across six weighted factors names Veterans United best overall, Rocket Mortgage best for refinancing and Pennymac best online.
VA loans require no down payment and no private mortgage insurance, though a funding fee of 0.5% to 3.3% of the loan amount applies.
Rocket Mortgage’s research finds that 54% of eligible borrowers know VA loans require no down payment; fewer than 40% know they skip mortgage insurance.

Our top picks for the best VA loan lenders of October 2026

Veterans United: Best Overall
Rocket Mortgage: Best for Refinancing
Pennymac: Best Online Lender
CrossCountry Mortgage: Best for Building or Repairing a Home
PenFed: Best Credit Union
New American Funding: Best for Low Credit Borrowers
Rate: Best for Low Fees
Navy Federal Credit Union: Best for Overseas Service Members

Best VA loan lender company reviews

Pros

Has VA loan specialists and a military-specific loan application process
Very competitive interest rates
Strong customer reviews on Trustpilot and BBB
Has advertised rates to help you gauge costs

Cons

Credit score requirement could be lower
No adjustable-rate loans

HIGHLIGHTS

Loan products
Purchase, IRRRL, cash-out refinancing, jumbo

Terms
15, 20, 25 and 30 years

Credit score minimum
620

Geographic availability
50 states

Why we chose it: Veterans United tops our list of best VA lenders. The lender specializes in VA loans, and its loan officers bring years of experience to the application process. According to the Home Mortgage Disclosure Act data, the company originated over 70,000 VA loans in 2025 alone and has been in the VA lending game for more than two decades. The lender issued over 6,100 VA loans in August 2026 alone — the most of any lender nationwide, per Department of Veterans Affairs data.
Veterans United offers a variety of loan programs, a substantial library of educational resources geared toward veterans, and had the lowest sample interest rate among all lenders during our review period. The lender also offers a military-specific loan application, which can make the process more efficient, and refinance options, including the VA IRRRL, which streamlines the refinancing process for borrowers.

Pros

Has advertised rates to help you gauge costs
Lots of loan and term options
Serves all 50 states
Low credit score requirements
Strong Trustpilot rating

Cons

1 regulatory actions in last five years
No physical locations
Low BBB reviews and high number of complaints

HIGHLIGHTS

Loan products
Purchase, IRRRL, cash-out refinancing, jumbo

Terms
15, 20, 25 and 30 years; 5/1 ARMs

Credit score minimum
580

Geographic availability
50 states

Why we chose it: Whether you need to reduce your interest rate or take cash out of your home equity, Rocket Mortgage’s VA refinancing options can help you do it. The company also offers a wide range of loan terms, low average interest rates, and a minimum credit score of 580 (at least for VA IRRRLs). Often, no appraisal is needed.
Rocket Mortgage’s application is all online, which can be handy for those applying from far-off stations in different time zones. VA borrowers will need at least a 580 credit score minimum for IRRRLs and 620 for fixed-rate loans. The lender had the third-highest VA loan volume in August 2026, issuing over 3,000 VA loans that month.

Pros

Competitive interest rates
Serves all 50 states
Low credit score requirements for purchase loans
Very high Trustpilot score

Cons

No physical locations
Limited loan and term options
Must fill out form to see rates
Average customer reviews on BBB

HIGHLIGHTS

Loan products
Purchase, IRRRL, cash-out refinancing

Terms
10 to 30 years

Credit score minimum
580 (purchase), 620 (refinance), none (IRRRL)

Geographic availability
50 states

Why we chose it: If you’re looking for a quick and easy online VA loan experience, Pennymac can help. The online lender offers both refinancing and purchase options, and has competitive interest rates on both products. Its credit score minimum is also quite low, especially for purchase loans. VA IRRRLs require no minimum credit score for existing Pennymac customers.
Pennymac also has deep VA lending experience. The company originated almost 15,000 VA loans in 2025 alone and nearly 1,000 in August 2026, according to VA’s loan data.

Pros

Lots of loan and term options
Serves all 50 states
Low credit score requirements

Cons

1 regulatory actions in last five years
Higher average interest rates than many competitors
Low Truspilot and BBB ratings

HIGHLIGHTS

Loan products
Purchase, IRRRL, cash-out refinancing, renovation, one-time-close construction, jumbo

Terms
15, 20, 25 and 30 years

Credit score minimum
620 for VA, as low as 500 for other loan types

Geographic availability
50 states

Why we chose it: VA renovation and construction loans aren’t offered by most lenders, but CrossCountry Mortgage boasts both. Use one to renovate your existing house, buy a fixer-upper and roll the repair costs into a single loan, or build your dream home from the ground up. Its construction loans require just one single closing.
The lender’s ultra-low credit score requirements and many loan terms could also be the difference-maker for many VA borrowers. CrossCountry allows credit scores as low as 500.

Pros

Among the Lowest average interest rates of all lenders analyzed
Serves all 50 states
Has advertised rates to help you gauge costs
60-day rate locks on purchase pre-approvals
Expedited closing options

Cons

Limited term options
Credit score requirement could be lower
Must become a member
Average-to-poor reviews on BBB and Trustpilot

HIGHLIGHTS

Loan products
Purchase, IRRRL, jumbo

Terms
15 and 30 years

Credit score minimum
620

Geographic availability
50 states

Why we chose it: Credit unions are known for having low rates — and PenFed is no different. PenFed offered some of the lowest average interest rates throughout our evaluation period, and current APRs start in the low-6% range on VA loans. PenFed also serves all 50 states, has an expedited closing option and doesn’t require membership when applying for a loan, although you will have to become a member before closing on the loan. Anyone can join PenFed by opening a savings account with an initial deposit of $5, though.
The credit union is one of the biggest in the nation, serving nearly 3 million customers, and has operated the PenFed Foundation since 2001, which offers veteran support services and civilian transition assistance.

Pros

Low credit score requirements
Serves all 50 states
Strong BBB reviews and Trustpilot ratings
VA loan specialists on staff

Cons

2 regulatory actions in the last five years
Middle-of-the-road interest rates
Below-average customer satisfaction ratings, according to JD Power

HIGHLIGHTS

Loan products
Purchase, IRRRL, cash-out refinancing

Terms
15 and 30 years for fixed-rate; 5/1 ARMs

Credit score minimum
As low as 500

Geographic availability
50 states

Why we chose it: The VA doesn’t have hard credit score requirements for its loans, but individual lenders can set their own thresholds. And New American Funding? They’ve set theirs low. The lender accepts credit scores as low as 500, has certified VA loan specialists on staff and there are even options for borrowers with no credit.
NAF is also known for its great service, boasting a 4.7 rating on Trustpilot, a 4.6 on BBB and a 4.9 rating on Zillow. The lender has had two regulatory actions in recent years, both related to licensing issues.

Pros

No origination fees
No minimum credit score required
Competitive interest rates
Fast closings

Cons

No adjustable-rate loans
Below-average customer satisfaction ratings, according to JD Power

HIGHLIGHTS

Loan Products
Purchase, IRRRL refinance, cash-out refinance, energy-efficient, renovation

Terms
15, 20 and 30 years

Credit score minimum
None

Geographic availability
50 states and Washington, D.C.

Why we chose it: Rate (formerly known as Guaranteed Rate) doesn’t charge a loan origination fee for qualifying applicants, which resulted in average savings of $1,640 in lender fees in 2025. The lender also offers a wide variety of VA loans, competitive interest rates (currently starting at 6.25%CK), lightning-fast closings, and no minimum credit score requirement. Instead, the lender reviews your financial information to make an approval decision. You can also borrow up to 100% of your home’s value with Rate’s VA cash-out refinance.
Rate is also one of the few lenders that offer VA renovation loans and energy-efficient loans, which you can use to pay for energy upgrades to your home. The lender had the 12th-most VA loan volume in August 2026, according to the VA.

Pros

Credit union branches located worldwide
VA loan specialists
Very competitive interest rates
Clearly advertised rates
Strong Trustpilot reviews

Cons

Min. credit score not disclosed
Limited loan terms
Must become a member, meeting strict requirements
F rating on BBB, with over 2,000 complaints in the last three years

HIGHLIGHTS

Loan Products
Purchase, IRRRL refinance, cash-out refinance, Military Choice, jumbo

Terms
15 and 30 years

Credit score minimum
Not disclosed

Geographic availability
Worldwide

Why we chose it: Navy Federal offers not only online services but also over 380 branches worldwide, primarily near major military bases—a definite advantage for service members deployed overseas who prefer in-person interactions. The credit union offers low rates and a wide range of loan options, including the “Military Choice” loan, which veterans and service members who have already exhausted their VA entitlement can use to purchase a home with zero down. It also comes in a jumbo version.
Navy Federal’s rates are also worth noting. Well-qualified borrowers can currently get 15-year fixed-rate loans with rates as low as 5.75%. The lender was No. 5 in VA loan volume in August 2026, issuing over 2,200 VA loans in that time frame.
Other companies we considered
USAA
USAA is a well-known name in the military community, offering a wide range of loan options for VA borrowers. It also offers other financial services for military members, including insurance, credit cards and banking options, making it a good choice if you’re looking for a one-stop shop.
Why we didn’t choose it: It’s not transparent about its credit score minimums and loan term options, and its 1.3-star rating on Trustpilot leaves a lot to be desired. A whopping 88% of customers give their experience just one star on the site.
loanDepot
Lender loanDepot offers a wide range of VA loan options with loan terms ranging from 15 to 30 years. The number of available options makes loanDepot a good choice for homebuyers seeking flexibility.
Why we didn’t choose it: The website offers little detail on fees, and it doesn’t provide sample rates, although you can use the lender’s calculators to get a ballpark payment estimate.
What you need to know about VA loans
VA loans are only available to those with specific military, National Guard, or Reserves experience. They’re a benefit outlined in the 1944 GI Bill.
Chris Birk, vice president of mortgage insights and education at Veterans United Home Loans, says that VA loans are a powerful tool for military members. “It’s designed to make homeownership more achievable and sustainable,” he adds.
VA loans are similar to other mortgage loans, with a few key exceptions. Here’s what you need to know if you’re considering a VA loan purchase or refinance:
What is a VA loan?
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs. This means that if you default on your loan (meaning you fail to make payments), the VA will repay the lender for a portion of its losses.
The VA also sets the basic qualifying requirements for these loans, though the department doesn’t actually provide them. Instead, private, VA-approved mortgage lenders — such as those listed here — issue them directly to consumers. For this reason, rates, terms and lender requirements can vary by company.
Who qualifies for a VA loan?
VA loans are a benefit available to military members and veterans, as well as some qualifying spouses. To be eligible for one, you must not only have a military service record, but you must have served a certain amount of time. For current service members, it’s at least 90 continuous days. For veterans, it depends on when you served. The following are the most recent VA service requirements.

Period served

Service requirement

Aug. 2, 1990 – present

One of the following:

24 continuous months
The full period of service (at least 90 days)
At least 90 days if you were discharged for a qualifying exception
Less than 90 days if you were discharged for a service-connected disability

Sept. 8, 1980 – Aug. 1, 1990
Oct. 17, 1981 – Aug. 1, 1990 (as an officer)

One of the following:

24 continuous months
The full period of service (at least 181 days)
At least 181 days if you were discharged for a qualifying exception
Less than 181 days if you were discharged for a service-connected disability

May 8, 1975 – Sept. 7, 1980 (post-Vietnam War period)
May 8, 1975 – Oct. 16, 1981 (as an officer)
Feb. 1, 1955 – Aug. 4, 1964 (post-Korean War period)
July 26, 1947 – June 26, 1950 (post-WWII period)

One of the following:

181 continuous days
Less than 181 days if you were discharged for a service-connected disability

Aug. 5, 1964 – May 7, 1975 (Vietnam War)
Nov. 1, 1955 – May 7, 1975 (in the Republic of Vietnam)
June 27, 1950 – Jan. 31, 1955 (Korean War)
Sept. 16, 1940 – July 25, 1947 (WWII)

One of the following:

90 continuous days
Less than 90 days if you were discharged for a service-connected disability

Some National Guard and Reserve members are also eligible for VA loans. You typically need at least 90 days of non-training, active-duty Title 10 service or at least six creditable years in the Reserves or Guard.
What costs are associated with a VA loan?
VA loans come with closing costs like any other loan, and you’ll generally pay somewhere between 3% to 5% of your loan amount, depending on your lender.
One fee that is unique to VA loans is the VA funding fee, which helps support the VA loan program. The cost of this fee ranges from 0.5% to 3.3% of the loan amount, depending on how you’re using the loan, how many times you’ve used the VA loan benefit, and the down payment you’re making (if any).
VA loans also allow the seller or home builder to pay for some or all of the loan’s closing costs. Sellers can also pay up to 4% of the home’s “reasonable value” in concessions, which may include discount points, a temporary rate buydown, or prepayment of taxes and insurance fees. This can help significantly reduce the upfront costs of a VA loan.
Types of VA loans available
There are several types of VA loans you can use, depending on your goals.
These include:

VA purchase loans: These are VA loans you can use to buy a home. You do not need a down payment.
VA IRRRLs: Short for Interest Rate Reduction Refinance Loans, these are the VA loans you’d use to refinance your mortgage and reduce your interest rate. You can also use them to move from an adjustable interest rate to a fixed one or to lower your monthly payment. You must already have a VA loan to qualify.
VA cash-out refinances: VA cash-out refinances let you take out a loan that’s larger than your current one and keep the difference in cash.
Jumbo VA loans: Although the VA does not have a maximum loan limit for borrowers with full entitlement, lenders often refer to loans that exceed the conforming loan limit as jumbo loans. You might use this if you’re buying a larger house or a property in a particularly pricey housing market.
VA renovation loans: A VA renovation loan is an option if you want to buy a home that needs repairs or safety updates, or you need to fix up your existing home. With the former, you’d roll both the repair costs and the home’s purchase price into one single loan.
VA construction loans: This is the VA loan you’d use if you wanted to build a home from the ground up. These may include one or two closings, depending on your lender, and aren’t widely offered. They also require you to use a VA-approved home builder and are harder to find than other VA loan options.
VA Energy-efficient loans: The VA’s Energy Efficient Mortgage allows eligible borrowers to finance up to $6,000 in approved home improvements that increase energy efficiency and help reduce utility bills. This is an add-on option for VA purchase or refinance loans (not a stand-alone loan).

Loan options can vary widely from one mortgage company to the next, and not all VA-approved lenders offer all of these options. Shop around if you’re looking for a specific type of VA loan.
What to look for in a VA lender
Many VA-approved mortgage lenders exist, but no two are exactly the same. To make sure you’re getting the best one for your budget and needs, you should consider:

Available VA loan options, as these vary widely between companies
Company reputation, including customer reviews, lawsuits, regulatory actions and online ratings
Loan terms and interest rates, including whether the rates are fixed or adjustable
Loan qualification requirements, such as credit score minimums and DTI thresholds
Geographic footprint, as not all lenders serve all 50 states

Be sure to compare loan estimates from each lender you consider. These will show how each lender’s fees and closing costs compare. You can also ask each lender about any incentives they might offer, such as mortgage rate buydowns.
The pros and cons of a VA loan

Pros

Low interest rates
No down payment required
Loans are assumable, meaning a future borrower can take over the loan when buying your house
No mortgage insurance required
May offer more credit and debt flexibility than other loans

Cons

Only available to qualifying military members, veterans and military spouses
Require a VA funding fee in most cases
Only primary residences allowed
Property must meet certain standards and safety requirements
Slower equity building if you make no down payment
Not all lenders offer them

Alternatives to VA loans
Even if you are a veteran or military member, VA loans aren’t the only loan option you have at your disposal. You can also consider:

Conventional loans: Conventional loans are an option if you have a decent credit score. They allow down payments as low as 3%, though you will usually need to pay for private mortgage insurance if your down payment is under 20%. These require a good-to-excellent credit score to qualify for the best rates.

FHA loans: FHA loans offer low interest rates and allow down payments as low as 3.5%. You need a credit score of 500 to 580, depending on your down payment and lender. FHA loans require a mortgage insurance premium, which is partly paid up front, with the other portion included in your monthly mortgage payment. This insurance is often required for the life of the loan.

USDA loans: USDA loans are an option if the home you’re buying is in an eligible rural or suburban part of the U.S. You will also need to fall under a certain income threshold for your county. Lenders set minimum credit score requirements, not the USDA, and you can get these loans with a 0% down payment. USDA loans don’t require mortgage insurance, but they do require a guarantee fee to help fund the program.

A down payment assistance program may also be able to help, depending on where you’re located and your income level. If you’re not sure what the best loan is for your home purchase or refinance, talk to a loan officer or mortgage broker. They can walk you through your options.
Latest news in VA loans
The VA recently issued a warning to VA borrowers about scams and predatory and misleading advertising. Some VA loan ads even claim they’re endorsed by the VA.
“VA will never email or mail out solicitations or offers to Veterans seeking to refinance your mortgage or obtain a VA-guaranteed home loan,” said Patrick Zondervan, executive director of the VA Home Loan program. “Such loans are issued by private lenders, and VA does not endorse or sponsor any specific lender. ”
Veterans should be wary of any unsolicited offers and never feel pressured into making a decision that could put their financial future at risk. The best option is to seek out reputable lenders and compare offer to make the best decision.

VA loan lenders FAQs
Can you use a VA loan more than once?
Yes, you can. There is no limit on how many times you can use the benefit. You can restore your full entitlement when you pay off the loan, whether you sell or keep the home. You can also still qualify for a second VA loan if you have remaining entitlement, although you may have to make a down payment.
What will disqualify you from a VA loan?
You won’t qualify for a VA loan if you don’t meet the VA’s length of service requirements or have been dishonorably discharged. Lenders will set their own qualification requirements for credit score and debt-to-income ratio, which can prevent you from getting a loan. Finally, the VA establishes minimum property requirements that can disqualify you if they’re not met.
How long does it take to close on a VA loan?
It can take 40 to 55 days to close on a VA loan, about the same time as a conventional mortgage. Factors that could extend the closing time include scheduling your home appraisal or completing work needed to meet the minimum property requirements.
Are VA loan rates lower than conventional rates?
Yes. According to Money’s rate data, the average rate on a 30-year VA loan was 6.31% as of August 27, 2026, compared to 6.58% for a conventional mortgage. However, you must pay a VA funding fee ranging from 0.5% to 3.3% of the loan amount, which can offset that lower rate.
Can you buy a duplex or a multiunit property with a VA loan?
Yes. You can buy property with up to four residential units with a VA loan. However, one of the units must be your primary residence, among other qualification requirements. Some lenders may count the rental income from the other units as qualifying income when you apply.

Methodology
We evaluated three dozen VA mortgage lenders nationwide, gathering data on product terms, qualifying requirements, interest rates, availability, reputation and other factors to zero in on the best ones. We rated lenders on a one-to-five scale across six categories: product variety (20%), average interest rates (20%), reputation and regulatory issues (20%), credit score minimums (20%), term options (10%), and geographic availability (10%).
We prioritized companies that:

Have strong customer ratings and no regulatory actions listed in the Nationwide Mortgage Licensing System in the last five years.
Offered the lowest average interest rates during our review period.
Have low credit score minimums and broad geographic availability, allowing more borrowers to access their products.
Offer a wide variety of VA mortgage products, including purchase loans, cash-out refinances, jumbo loans and construction/renovation loans.

Summary of our top picks for the 8 best VA loan lenders of October 2026

Veterans United: Best Overall
Rocket Mortgage: Best for Refinancing
Pennymac: Best Online Lender
CrossCountry Mortgage: Best for Building or Repairing a Home
PenFed: Best Credit Union
New American Funding: Best for Low Credit Borrowers
Rate: Best for Low Fees
Navy Federal Credit Union: Best for Overseas Service Members

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