Credible Review (2026)
Rates, fees, customer service, and who this lender is best for — with a built-in payment calculator so you can run your own numbers.
Credible
Mortgage marketplace with a soft-pull, prequalified-rates flow.
- Established
- 2012
- Headquarters
- San Francisco, CA
Sponsored. We may earn a commission at no cost to you.
Quick facts
| Loan types | Conventional, FHA, VA, Jumbo, Refinance |
|---|---|
| Minimum credit score | 620 |
| Minimum down payment | 3% |
| Best for |
|
Pros
- ✓See personalized prequalified rates from multiple lenders in one form
- ✓Soft credit pull only — your FICO score isn't dinged while you compare
- ✓Free to use; lenders pay Credible, not you
- ✓Side-by-side rate, APR, and fee comparison
- ✓Strong refinance flow with clean UX
- ✓Trustpilot and BBB ratings well above category average
Cons
- −Not a direct lender — once you pick an offer, you finish with the partner lender
- −Network of lenders, not the entire market
- −Final rates can shift after a hard pull and full underwriting
Rate competitiveness
Because Credible forces lenders to compete head-to-head for your business, it tends to surface aggressive rates — particularly for borrowers with strong credit. Rates you see are estimates until a lender pulls full credit.
Fees
Credible itself charges no fee to consumers. Origination, appraisal, and closing fees come from the lender you ultimately choose, and those numbers are visible inside the comparison view.
Customer service
Credible's own support is well-reviewed, but post-application service quality depends on the partner lender you select. Read each lender's reviews before committing.
Bottom line
Credible is one of the cleanest ways to see real, personalized rates from multiple mortgage lenders without harming your credit. It's the right starting point for most rate-sensitive shoppers — even if you eventually close with someone else, the offers give you negotiating leverage.
Run your numbers before you apply
Plug your home price, down payment, and a target rate into the calculator below to see what your monthly payment would look like if you went with Credible.
Loan details
Payment breakdown
- Principal & Interest$2,335
- Property Tax$450
- Home Insurance$150
Ready to find your real rate?
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See personalized rate quotes from multiple top lenders in one place.
- ✓Soft credit pull only
- ✓5+ competing rate quotes
- ✓Free, no obligation
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Modern, fully online lender with fast pre-approvals.
- ✓100% online application
- ✓Pre-approval in minutes
- ✓No origination fees on most loans
America's Largest Mortgage Lender
Established direct lender with a full range of loan products.
- ✓Wide loan-product selection
- ✓Full-service support
- ✓Highly rated for borrower satisfaction
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Credible FAQ
Is Credible a legitimate mortgage lender?
Yes. Credible is an established, regulated mortgage company headquartered in San Francisco, CA and operating since 2012. Like any lender, the right answer for you depends on rate, fees, and service — which is why we always recommend comparing at least two or three Loan Estimates before locking.
What credit score do I need to qualify with Credible?
Credible publishes a minimum credit score of around 620, though the lowest published score usually applies only to government-backed loans (FHA, VA). For the best conventional pricing, plan on 740+.
What's the minimum down payment with Credible?
The minimum is 3% on the lowest-down product they offer. Putting less than 20% down on a conventional loan triggers PMI; FHA loans use MIP instead. Use our calculator above to see how the down payment changes your monthly payment.
Are Credible's rates competitive?
Because Credible forces lenders to compete head-to-head for your business, it tends to surface aggressive rates — particularly for borrowers with strong credit. Rates you see are estimates until a lender pulls full credit.
What fees does Credible charge?
Credible itself charges no fee to consumers. Origination, appraisal, and closing fees come from the lender you ultimately choose, and those numbers are visible inside the comparison view.
Who is Credible best for?
Credible is best for: Rate shoppers who want multiple offers in one place; Borrowers protecting their credit score during shopping; Refinance shoppers comparing 5+ lenders quickly. Borrowers outside those profiles should still get a quote and compare against at least one marketplace and one direct lender.
How do I compare Credible against other lenders?
Get a Loan Estimate (the standard 3-page disclosure every U.S. lender must provide) from Credible and at least two other lenders within the same 14-day window so the credit pulls count as one inquiry. Compare rate, APR, lender fees on page 2, and total cash-to-close. Use the calculator on this page to model the monthly payment for each scenario.
Compare other lenders before you decide
Always pull at least two competing Loan Estimates — even a 0.125% rate difference saves real money over 30 years.
Compare 5+ Lenders
See personalized rate quotes from multiple top lenders in one place.
- ✓Soft credit pull only
- ✓5+ competing rate quotes
- ✓Free, no obligation
Get Your Rate in 60 Seconds
Modern, fully online lender with fast pre-approvals.
- ✓100% online application
- ✓Pre-approval in minutes
- ✓No origination fees on most loans
America's Largest Mortgage Lender
Established direct lender with a full range of loan products.
- ✓Wide loan-product selection
- ✓Full-service support
- ✓Highly rated for borrower satisfaction
Advertiser disclosure: cards above are sponsored. We may earn a commission when you compare lenders through our partners — at no cost to you. Compensation does not influence which lenders are shown.