Our experts answer readers' home-buying questions and write unbiased product reviews (here's how we assess mortgages). In some cases, we receive a commission from our partners; however, our opinions are our own.
Note: Wyndham Capital Mortgage is now SoFi. Check out our SoFi mortgage review to learn more about this lender's offerings.
Wyndham Capital Mortgage: Overall Lender Rating
| Feature | Insider rating (out of 5) |
| Loan types | 3.5 |
| Affordability | 4 |
| Customer satisfaction | 4.84 |
| Trustworthiness | 5 |
| Total | 4.34 |
Wyndham Capital Mortgage: Pros and Cons
| Pros | Cons |
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Wyndham Capital Mortgage Interest Rates and Fees
Wyndham Capital Mortgage doesn't display any sample rates on its website. To get a customized rate quote, you'll need to provide some basic information about your situation and your name, email, and phone number.
According to its website, Wyndham Capital doesn't charge any lender fees, including junk fees, application fees, processing fees, or underwriting fees. Keep in mind, though, that you will still need to pay third-party fees as part of your closing costs. If you choose to purchase discount points, you'll pay for those at closing as well.
In 2022, conforming mortgage borrowers getting a loan from this lender paid an average of $1,930 in origination charges, according to Home Mortgage Disclosure Act data.
Compare Wyndham Capital Mortgage to Other Mortgage Lenders
Wyndham Capital Mortgage vs. Rocket Mortgage
Rocket Mortgage and Wyndham Capital both have similar mortgage offerings and emphasize a convenient online experience. Rocket is one of our favorite mortgage lenders and our top pick for refinancing. It also earned the No. 1 spot in J.D. Power's 2022 US Mortgage Origination Satisfaction Study, which measures customer satisfaction.
If you're looking for a USDA loan, Wyndham Capital would be the better choice between the two, since Rocket Mortgage doesn't offer these types of mortgages. You might also prefer Wyndham Capital if you want a fully remote digital closing.
Wyndham Capital Mortgage vs. Carrington Mortgage Services
Carrington Mortgage Services is an excellent choice for borrowers with low credit scores or rocky credit histories. Carrington accepts scores as low as 500 on some of its mortgages. With its Carrington Flexible Advantage loan, borrowers with recent events such as bankruptcy or foreclosure on their credit reports may still qualify for a mortgage.
Those who have slightly higher scores may prefer Wyndham Capital for its convenient online process or lack of lender fees. And FHA borrowers can get a mortgage from Wyndham with scores as low as 580.
How Wyndham Capital Mortgage Works
To get a mortgage with Wyndham Capital Mortgage, you'll start an application online. You can also connect with a loan officer over the phone if you prefer.
Wyndham Capital mortgages are available in 47 states and Washington, DC. You can't get a mortgage from this lender in Hawaii, Massachusetts, or New York.
Wyndham Capital Mortgage offers conforming, FHA, VA, USDA, and jumbo mortgages.
Borrowers in states that allow remote notarization can complete their closing with this lender digitally, meaning you won't need to sign any documents in-person. Wyndham Capital guarantees a $5,000 closing cost credit if it is at fault for your not closing on time. To be eligible for this credit, you'll need to meet certain conditions including providing documentation within a certain timeframe.
Wyndham Capital doesn't charge lender fees.
Is Wyndham Capital Mortgage Trustworthy?
Wyndham Capital Mortgage currently has an A+ rating from the Better Business Bureau. BBB ratings are based on responses to customer complaints, honesty in advertising, and transparency about business practices.
On its Zillow lender profile, Wyndham Capital has a 4.84 out of 5-star rating, based on 1,416 online customer reviews.
Wyndham Capital Mortgage FAQs
Who owns Wyndham Capital Mortgage?
Wyndham Capital Mortgage was founded in 2001 by current CEO Jeff Douglas.
How many employees does Wyndham Capital have?
According to its website, Wyndham Capital currently has 350 employees.
Is Wyndham Capital a direct lender?
Yes, Wyndham Capital is a direct mortgage lender. This differs from a mortgage broker, which is a professional who works independently and helps borrowers compare offers from multiple lenders.
Why You Should Trust Us: How We Reviewed Wyndham Capital Mortgage
For our review of Wyndham Capital Mortgage, we used our methodology for reviewing mortgage lenders.
We look at four factors — loan types, affordability, customer satisfaction, and trustworthiness — and give each a rating between 1 and 5, then we average these individual ratings for the overall lender rating. Lenders get higher ratings if they offer a large number of loan types with affordable features, have positive customer reviews, and don't have any recent public controversies.