Federal Trust Mortgage Refinance Review

Rating: 9 / 10 (Excellent)
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Federal Trust Mortgage Loans is an online marketplace that allows customers to shop for home purchase and refinance loans, as well as home equity loans. The website can connect users to a variety of lenders including J.G. Wentworth, SoFi, and Quicken among others. Federal Trust offers a quick and convenient comparison tool and the ability to apply a mortgage refinance loan in minutes.

How is Federal Trust rated?


Loan Options
Application Process

Overall Rating: 9 / 10 (Excellent)

We think Federal Trust is a good option for mortgage refinance for several reasons reasons. Firstly it is very easy for customers to apply and get quotes online. The website also provides a great degree of flexibility in providing all the mortgage refinance options and lenders to its customers. This includes straight refinance and cash out refinance, as well as VA, HARP, and FHA loans as well. Federal Trust's results are powered by LendingTree so they can offer refinance quotes from multiple lenders and marketplaces, and do this for customers of varying qualification. Therefore, Federal Trust is a great option for those not sure of the type of refinance loan they'd qualify for, and who want to see the widest range of options.

Loan Options

Lender Type
Loans Offered
Rate & Term
Loan Programs
Fixed Year Terms
30 Year Fixed
20 Year Fixed
15 Year Fixed
10 Year Fixed
Adjustable Rate Mortgage Terms
10/1 ARM
7/1 ARM
5/1 ARM

Loan Options - 9.5 / 10

As mentioned previously, Federal Trust provides a wide range of mortgage refinance loan options spanning all levels of borrower qualification. From government-backed VA, HARP, and FHA loans; to conventional fixed or adjustable rate loans. Federal Trust's lenders are thoroughly vetted and completely reliable, with proven track records that put them at the forefront of the loan origination industry. It is this ability to provide nearly every term and rate option, coupled with every refinance loan type, that ranks Federal Trust highly in terms of loan options.

Application Process

FHA Minimum Credit Score
Maximum LTV
Depends on the individual lender.
Closing Time
Depends on the individual lender.
Waived Fees
Depends on the individual lender.

Application Process - 9 / 10

Since Federal Trust Mortgage doesn't generate loans in and of themselves, specifics regarding the application process depend on the individual lender. With results powered by LendingTree, the website has access to an enormous provider network, and long experience in the sector. Federal Trust therefore provides the greatest degree of flexibility for customers of all levels of qualification wishing to explore their options.

Federal Trust Reputation

Online Reviews

Trustpilot Trustscore
BBB Rating
BBB Positive Reviews
BBB Negative Reviews
Date Collected

Reputation - 8.3 / 10

Since Federal Trust is a relatively new marketplace, there is very little in the way of data to judge the company's reputation. The company is, however, an affiliate of LendingTree, which has a BBB grade of A- and a majority of positive reviews with the organization. Additionally, the company also boasts a TrustPilot score of 9.3 with an incredible 95% favorable reviews. Online customer reviews overwhelmingly point toward convenience and ease of use.

Contact & Additional Information

Homepage URL
Company Phone
(800) 813-4620
Headquarters Address
11115 Rushmore Drive, Charlotte, NC, 28277

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Our Partner
9.0 / 10
  • Mortgage refinance and cash-out refinance
  • Easy online tool - compare offers with real-time updates
  • VA, FHA, HARP loans and more!
  • Complete application online
  • Get quotes from multiple providers without speaking to agent