Movement Mortgage Review 2022


  • Mortgages in all 50 states
  • Get an FHA, VA, or USDA loan with a credit score as low as 580
  • If you don’t have a credit score, you might be able to qualify with alternative credit data
  • Aims to provide underwriting results in six hours, process your loan in seven days, and close in one day


  • No customized mortgage rates shown on the website
  • You can’t submit alternative credit data if you have a low credit score
  • No home equity loans or HELOCs
  • You can’t refinance your USDA mortgage into another USDA mortgage

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More Information

  • Offers mortgage rates in all 50 US states and Washington, DC
  • You can apply with alternative credit data if you have no credit score, but not if you have a poor credit score
  • Minimum credit score and down payment displayed are for conforming mortgages

Overall lender rating

Pros and cons

Movement Mortgage rates

Movement Mortgage does not show mortgage or refinance rates on its website. Some lenders show sample rates online, and others even let you enter information such as your zip code and credit score to see more customized rates.

You can click “Free rate quote” to enter your personal information and see a rate. But you’ll need to enter things like your full name and contact information, which many lenders don’t require to see a more customized rate.

On the bright side, customers state in online Zillow reviews that their mortgage rate with Movement was “as expected” or “lower than expected.” So you could get a competitive interest rate with this lender.

Movement Mortgage vs. Rocket Mortgage

Movement Mortgage is the clear choice for a USDA, construction, renovation, condo, or reverse mortgage, because Rocket Mortgage doesn’t offer these types of home loans. There’s also a chance you can show alternative credit data, like proof that you pay bills on time, to Movement if you don’t have a credit score. Rocket Mortgage requires a credit score.

You may like Rocket Mortgage for its user-friendly online application process, including a live chat feature available seven days per week. Rocket Mortgage ranked as the top lender for customer satisfaction from J.D. Power for 11 consecutive years, and it ranked No. 2 in 2021.

Movement Mortgage vs. Fairway Independent Mortgage Corporation

Movement Mortgage sometimes lets you apply with alternative credit if you don’t have a credit score. But Fairway Independent Mortgage Corporation tends to be a little more lenient with this rule, and you could qualify to apply with alternative credit even if you just have a bad credit score. Every situation is different, though.

Fairway Independent also gives you the option to close digitally instead of in person.

How Movement Mortgage works

Movement Mortgage is a lender that offers mortgages in all 50 US states. Its goal is to have underwriting results within six hours of receiving your application, process your home loan in seven days, and close on the home in one day.

Movement Mortgage has the following types of home loans:

Movement does not have home equity loans or HELOCs.

You can choose between a regular rate-and-term refinance or a cash-out refinance, or streamline refinance your VA mortgage or FHA mortgage. There’s no way to refinance your USDA mortgage into another USDA mortgage with Movement, though.

Some lenders allow you to apply with alternative data, like proof that you pay bills on time, if you have a low credit score or none at all. Movement requires a credit score if you have one. It sometimes accepts alternative data if you don’t have a credit score, but this is on a case-by-case basis.

To contact the loan servicing department, call Monday through Friday from 8:30 a.m. to 8 p.m. ET, or Saturday from 9 a.m. to 3 p.m. ET.

Is Movement Mortgage trustworthy?

Movement Mortgage doesn’t have any public controversies.

The Better Business Bureau gives Movement Mortgage an A+ rating. A strong BBB grade indicates a company responds effectively to customer complaints, is transparent about business practices, and advertises honestly.

A good BBB score doesn’t guarantee you’ll have a smooth relationship with a lender, though. You may still want to read online customer reviews, or ask friends and family about their experiences with Movement Mortgage.

Movement Mortgage FAQ

Is Movement Mortgage a good company?

Yes, Movement Mortgage is a good mortgage lender overall. It aims to move you along through the mortgage approval and closing processes quickly. It also lets you apply with alternative credit data, such as proof that you pay bills on time, if you dont’ have a credit score.

What credit score does Movement Mortgage use?

Movement Mortgage requires a 620 credit score for a conforming mortgage and 580 for an FHA, VA, or USDA mortgage. You may be able to apply using alternative data if you dont’ have a credit score. But if you do have a credit score, you can’t use alternative forms of credit to boost your application.

How long has Movement Mortgage been in business?

Movement Mortgage was established in 2008.

Mortgage rates by state

Check the latest rates in your state at the links below. 

New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Rhode Island
South Carolina
South Dakota
Washington DC
West Virginia

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