Need help deciding?

(844) - 974 - 3637

Credible Review

ByBestmoney StaffJan. 31, 2021

This site is a free online resource that strives to offer helpful content and comparison features to its visitors. Please be advised that the operator of this site accepts advertising compensation from companies that appear on the site, and such compensation impacts the location and order in which the companies (and/or their products) are presented, and in some cases may also impact the rating that is assigned to them. To the extent that ratings appear on this site, such rating is determined by our subjective opinion and based on a methodology that aggregates our analysis of brand market share and reputation, each brand's conversion rates, compensation paid to us and general consumer interest. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

In a Nutshell

The mortgage marketplace provides actual, personalized rates from multiple lenders—not teaser rates or ballpark estimates—and a streamlined digital process from shopping to close.


  • Compare rates and fees across lenders
  • Digital application process
  • Complete the entire origination process through Credible


  • Only available in 41 states
  • Not a direct lender

Credible at a Glance

Loan Types

Home refinance, Purchase

Loan features

Fee transparency, streamlined digital process

Repayment Terms   

10-, 15-, 20-, 25- and 30-year terms available

Suitable for

Hassle-free comparisons

Overview’s mortgage marketplace builds on the success of the company's marketplaces for student loans, student loan refinancing, and personal loans, which have facilitated more than $1.6 billion in loans. Credible’s integrations with lenders and credit bureaus make it a snap to compare actual, prequalified rates across multiple lenders without impacting your credit score, and you don’t have to worry that your personal information will be shared with any lender other than the one you choose to work with. Once you see an option you like, Credible’s streamlined process and licensed loan officers provide a seamless experience all the way to closing.

Credible Credible View Rates

Suitable for? 

Credible is a good choice for consumers who want peace of mind coupled with the ease of a digital application process that takes you all the way through closing. You’re only asked questions that are based on your specific situation, and Credible automates the required documentation. 

Credible brought its marketplace model to mortgage lending because consumers often get rates from only one lender and end up paying too much. Unlike rate comparison sites that often provide misleading teaser rates or ballpark estimates, Credible provides you with actual prequalified rates and never sells your data for marketing purposes. 

Loan Features 

As a licensed, technology-enabled mortgage broker, Credible currently works with half a dozen wholesale lenders, including 4 of the nation’s top 10 mortgage lenders: Quicken Loans, LoanDepot, Caliber Home Loans, and United Wholesale. Credible’s partner lenders offer a wide range of products, from conforming fixed-rate and adjustable-rate mortgage (ARM) loans to jumbo loans

Because it doesn’t work with mortgage brokers, retail banks aren’t currently competing for business on the Credible mortgage marketplace. But the wholesale lenders Credible works with offer competitive rates, making them great options for many consumers. 

Credible Highlights:

  • Rates from multiple lenders in 3 minutes
  • No impact on credit score when comparing prequalified rates
  • Personal information is never sold
  • Complete entire origination process on
  • Digital process streamlines and automates collection of your documents
  • Licensed loan officers available for those who need additional support

The Application Process 

It takes about 3 minutes to fill out Credible’s rate request form. Eligible borrowers get a dashboard with actual rates, terms, and fees available to them from multiple lenders, thanks to Credible’s integrations with lenders and credit bureaus. 

If you see an option you like, Credible will take you through the rest of the application process, asking only questions that are relevant to you and your loan. Credible has automated the collection of required documentation, such as pay records, bank statements and tax documents directly from providers. The entire process is nearly paperless—the only required paper documents are a few disclosures, and documents required at closing.     

Loan Terms—The Bare Basics 

As a marketplace working with several lenders, Credible provides access to a wide variety of loans and loan terms. Terms are not set by Credible, but by the lenders who compete through its marketplace. However, the Credible marketplace makes it easier for you to compare loans, because it offers transparency into rates, fees, terms and other conditions. 

Repayment Terms 

The lenders competing for your business through the Credible mortgage marketplace offer a wide range of repayment terms. Conforming fixed-rate mortgages with 10-, 15-, 20-, 25- and 30-year terms are available, as are 3/1, 5/1, 7/1 and 10/1 ARM loans. Jumbo loans with 15- and 30-year terms are also popular, and 5/1, 7/1 and 10/1 jumbo ARMs are available to qualified borrowers. 

Help & Support 

As a licensed mortgage broker, Credible’s loan officers are available to assist borrowers shopping for a mortgage by phone, email and online chat. You can also call Credible’s customer support line, or reach the company’s client success team by email. 


If you want the peace of mind that comes from comparing your mortgage options without the hassle, Credible is worth looking into. It’s the first marketplace to not only provide actual rates from multiple lenders but take you all the way to closing with your lender of choice using a digital application process. 

Although there aren’t as many lenders in the Credible marketplace as on some rate comparison sites, the ability to get actual rates and close on a loan without exposing yourself to a barrage of marketing is very appealing. 

Credible Credible View Rates

Physical Address

Credible Operations, Inc. NMLS ID# 1681276

318 Blackwell Street Ste 120A

Durham, NC 27701

*Credible Operations, Inc., NMLS #168276, not available in all states

This content is not provided by Credible or any of the Providers on the Credible website. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by Credible.

Credible customer testimonials

ExcellentReviews 4,439
TrustPilot is the world’s most powerful review platform, free and open to all.
  • author
    20 hours ago
    Using Credible was a super quick and…

    Using Credible was a super quick and easy experience, I received valid quotes from quite a few different lenders and was easily able to compare the terms and conditions on each of them. When it was time to select my loan and continue off of Credible's platform, they followed up at each step and made it easy to finalize the loan. Final loan was exactly as described, thanks for the help!


  • author
    daniel munn
    a day ago
    Smooth and seamless

    Smooth and seamless. With in minutes I had a great rate. The best part was I was able to select my rate, length of term and due date. Getting a loan in the past took days. This was a very good experience. 5 stars/excellent. Will be using next time I need a loan. Have already referred to friends.


  • author
    Michael Kearley
    a day ago
    got what i needed quickly!

    Service was quick and helpful. will do business again!


  • author
    2 days ago
    Liked the process of comparing lenders…

    Liked the process of comparing lenders up front.


  • author
    2 days ago
    Application simple but issues with the process

    The application process was simple as was seeing my various offers. But from there, things got more difficult. Loan applications were canceled because there wasn't an understanding that I didn't want to combine all of my loans, so I had to work with the lenders to reactivate them. And, somehow my maiden name was provided to the lenders instead of my current last name. These issues occured after I spoke with Credible reps on the phone twice. Liked getting a better rate and finding it through Credible, but beyond that it wasn't great.