Carrington Mortgage Review 2026 | U.S. News
Lenders are rated using a calculated overall score based on affordability, eligibility, customer service and other factors. The highest scoring lenders were identified in each category. Ratings are prepared by U.S. News staff. Ratings have not been reviewed or approved by advertisers.
Carrington Mortgage Services
- People who have low credit scores
- People who cannot make a large down payment
- People who want to choose from many loan options
Borrowers must meet the minimum credit score requirement for the type of mortgage they want. While your credit score may be as low as 500 for some loan programs, you will generally need a score of 620 for a conventional mortgage.
Carrington Mortgage Services will consider your financial information, including credit score, income and debt, when you apply for a loan. Loan limits are based on your location, your property and your loan type.
NMLS #2600
Carrington Mortgage Services offers conventional and government-backed loans and is licensed to service loans in all 50 states as well as Guam, Puerto Rico, the Northern Mariana Islands and the U.S. Virgin Islands. There are also specialty and non-qualifying loan programs available.
When you’re ready to start your loan application, you have two choices:
- Head to Carrington’s Contact Us page and then select Apply for a Loan.
- Call a loan officer at 888-267-0584 from 9 a.m. to 8 p.m. Eastern Time Monday through Friday.
You can prequalify for a loan with Carrington Mortgage Services depending on financial information such as your income and assets. The lender will provide loan options and help borrowers decide which one is the best fit.
Carrington Mortgage Services
Carrington Mortgage Services sometimes offers closing cost credits to customers who have recently paid off a Carrington home loan. Various other discounts may be available, although these vary by program and borrower qualifications.
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Down Payment Or Closing Cost Assistance |
Carrington Mortgage Services has a government action alert for charging late fees to borrowers with accounts in forbearance and providing false information about pandemic protections.
The Consumer Financial Protection Bureau received 511 mortgage-related complaints about Carrington Mortgage Services in 2025, many related to trouble during the payment process. The company provided a timely response to 509 of the complaints. It closed all complaints with an explanation.
An initial payment made when the home is bought.
The amount of time you have to repay the mortgage.
The APR (annual percentage rate) you pay to the lender, which can be found in your loan agreement. The default displayed represents yesterdays national average APR for 30-year fixed mortgages.
