At Yahoo Finance, we use stringent criteria to narrow down a large field of mortgage contenders. In October 2025, these mortgage refinance lenders are among the country's best providers. Best refinance mortgage lender overall: Truist Bank The Yahoo view: Truist earns top honors for refinancing because of its broad selection of loans, no doubt contributing to its standing as a top 10 refinance lender by volume. Key benefits In a Yahoo Finance analysis, Truist had the lowest median debt-to-income ratio ...