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HARP Lenders

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Refinancing Through HARP with Your Current Lender

If Freddie Mac owns your mortgage and you are interested in refinancing under the federal Home Affordable Refinance Program (HARP), your lender may be able to work with you and determine your eligibility.

Get Started

  1. Visit our secure Loan Look-up tool to see if Freddie Mac owns your loan.
  2. Reach out to your existing lender as soon as possible and let them know you are interested in refinancing through HARP. Refinancing through your existing lender provides the most streamlined processing. For your convenience, we provide contact information for many lenders that work with their existing borrowers for a HARP refinance in the listing below.
  3. If your lender is not listed below, it doesn't mean they don't offer HARP. Reach out to them using the contact information on your monthly mortgage payment and ask if they offer HARP.
  4. If your lender does not offer HARP, review our list of additional HARP lenders to find a lender that may be able to help you.

Important Notes

  • Our published list of participating lenders is not a comprehensive list of all Freddie Mac-approved lenders offering HARP.
  • When talking with your lender, note that they may use a different name for their HARP offering.
Company NameContact Info
1st 2nd Mortgage Co.

Website: https://www.facebook.com/1st2ndMortgage
Phone: 800-562-6466 x248

66 Federal Credit Union

Website: https://www.66fcu.org
Phone: 918-337-7684

Affinity Plus Federal Credit Union

Website: https://www.affinityplus.org/
Phone: 800-322-7228

AimLoan.com

Website: http://www.aimloan.com/?s=freddiemac
Phone: 888-793-2167

Algonquin State Bank, NA

Website: https://www.algonquinstatebank.com
Phone: 847-658-4535

American Federal Savings Bank

Website: https://www.americanfederalsavingsbank.com
Phone: 406-442-3080

American First Credit Union

Website: amerfirst.org
Phone: 800-290-1112

Arvest Mortgage Company

Website: https://www.arvest.com/
Phone: 800-232-5524

Bangor Savings Bank

Website: http://www.bangormortgage.com/Default.aspx
Phone: 877-226-4671

Bank of America, N.A.

Website: https://www.bankofamerica.com/home-loans/refinance/overview.go
Phone: 800-279-0358

Bank of Jamestown

Website: http://www.bankofjamestown.com
Phone: 270-343-3186

Bank of Oklahoma

Website: https://www.bankofoklahoma.com/en/Personal/index.page
Phone: 800-947-7061

Bank of Wisconsin Dells

Website: https://www.Dellsbank.com
Phone: 608-742-6176

Banner Bank

Website: https://www.bannerbank.com
Phone: 866-722-5110

BMO Harris Bank N.A.

Website: https://www4.harrisbank.com/us
Phone: 888-482-3781

Branch Banking & Trust Company

Website: http://www.bbt.com/bbtdotcom/lending/mortgage/default.page
Phone: 888-946-8730

Byron Bank

Website: http://www.byronbank.com/
Phone: 815-234-2561

Cape Cod Five Cents Savings Bank

Website: https://www.capecodfive.com/home/home
Phone: 888-225-4636

Centier Bank

Website: https://www.centier.com/mortgage
Phone: 888-236-8437

Century Bank and Trust

Website: http://www.centurybankandtrust.com
Phone: 517-278-1555

Central National Bank

Website: https://www.centralnational.com/
Phone: 888-262-5456

Central Pacific Bank

Website: https://www.centralpacificbank.com/Personal/Products/Mortgage-Loans.aspx
Phone: 808-356-4000

Chase

Website: https://www.chase.com
Phone: 800-228-4922

Chelsea Bank

Website: http://www.cpcbank.com
Phone: 617-884-5600

Chemical Bank

Website: http://chemicalbankmi.com/
Phone: 800-867-9757

CitiMortgage, INC.

Website: https://www.citimortgage.com
Phone: 800-248-4638

Citizens Bank & Trust Company

Website: http://www.cbtky.com
Phone: 270-465-8193

Citizens Bank of Mukwonago

Website: http://www.citizenbank.com/
Phone: 262-363-6500

Colonial Savings, F.A.

Website: http://www.colonialsavings.com/
Phone: 888-877-4440

CommunityAmerica Credit Union

Website: https://www.cacu.com
Phone: 800-892-7957

Coventry Credit Union

Website: http://www.coventrycu.org
Phone: 401-392-2363

CUSO Development/Member Advantage Mortgage, LLC

Website: https://www.memberadvantagemortgage.com
Phone: 866-482-1414

CUSO Mortgage Corporation

Website: http://www.cusomortgagecorp.com
Phone: 800-360-2876

Dairy State Bank

Website: http://www.dairystatebank.com
Phone: 888-235-5511 or 715-235-5511

Devon Bank

Website: https://www.devonbank.com
Phone: 773-465-2500

Direct Federal Credit Union

Website: http://www.direct.com
Phone: 781-433-2900 ext. 130

Dollar Bank, F.S.B.

Website: http://www.dollarbank.com
Phone: 800-344-5626

Edgewater Bank

Website: https://www.edgewaterbank.com
Phone: 269-429-2980

Embrace Home Loans, Inc

Website: https://www.Embracehomeloans.com
Phone: 800-333-3004

ESL Federal Credit Union

Website: https://www.esl.org
Phone: 585-336-1502

EverBank

Website: https://www.everbank.com
Phone: 877-436-4381

Evergreen Federal S & L

Website: http://www.evergreenbanking.com
Phone: 541-479-3351

Fifth Third Bank

Website: https://www.53.com
Phone: 866-351-5353

First American Bank

Website: https://www.firstambank.com/PersonalBanking/Borrowing/Mortgage/Chicago-Mortgage-Rates
Phone: 847-586-2401

First Bank and Trust Company

Website: https://www.firstbank.com/#/home
Phone: 276-644-9900

First Farmers Bank & Trust

Website: http://www.ffbt.com/
Phone: 800-371-3316

First Federal Bank of Florida

Website: https://www.ffsb.com/home.aspx
Phone: 386-755-0600

First Federal Bank of the Midwest

Website: https://www.first-fedbanking.com/
Phone: 877-FOR-U1ST (367-8178)

First Federal Savings Bank

Website: https://www.firstfederalbanking.com/home/home
Phone: 800-422-3372

First Federal Savings Bank of Twin Falls

Website: http://www.firstfd.com/2062/mirror/index.htm
Phone: 800-278-9435

First National Bank

Website: http://www.fnbmtg.com/Default.aspx
Phone: 949-794-9400

First National Bank of LaGrange

Website: https://www.fnblg.com
Phone: 708-482-7700

First National Community Bank

Website: https://www.fn-cb.com
Phone: 715-246-6901

First Safety Bank

Website: http://www.firstsafetybank.com
Phone: 800-946-2265

First South Bank

Website: https://www.firstsouthnc.com/
Phone: 888-993-8754

First State Bank of Middlebury

Website: http://www.fsbmiddlebury.com
Phone: 574-825-2166

Firstbank

Website: http://www.firstbankmi.com
Phone: 989-773-2600

FirstMerit Mortgage Corporation

Website: https://www.firstmerit.com/personal/index.aspx
Phone: 800-562-6694 ext. 2280

Flagstar Bank, FSB

Website: https://www.flagstar.com
Phone: 855-372-5626

Gilpin Financial Services, Inc.

Website: http://www.gilpin.com/
Phone: 302-656-5400

Greenlight Financial Services

Website: http://www.greenlightloans.com
Phone: 866-66-FASTER

Guardian Mortgage Company, INC.

Website: http://www.guardianmortgageonline.com/
Phone: 800-331-4799

Guidance Residential, LLC

Website: http://www.guidanceresidential.com/
Phone: 866-484-3262

Hillsdale County National Bank

Website: http://www.countynationalbank.com/
Phone: 888-322-1088

Home Savings & Loan Company of Youngstown

Website: https://www.homesavings.com/
Phone: 888-822-4751

HomeStar Bank and Financial Services

Website: http://www.homestarbank.com
Phone: 815-468-BANK (2265)

HomeStreet Bank

Website: http://HomeStreet.com
Phone: 800-719-8080

Homeward Residential, INC.

Website: https://www.gohomeward.com/servicing/home.asp
Phone: 877-304-3100

Hoosier Hills Credit Union

Website: http://www.hoosierhills.com
Phone: 800-865-2612

HSBC Bank USA, N.A.

Website: https://www.hsbcmortgageservices.com/home
Phone: 800-395-3489

Hudson Valley Federal Credit Union

Website: https://www.hvfcu.org/
Phone: 845-463-3011

Huntington Bank

Website: https://www.huntington.com/
Phone: 800-323-9865

Independent Bank

Website: http://www.independentbank.com/
Phone: 800-285-3111

Isabella Bank

Website: https://www.isabellabank.com/
Phone: 800-651-9111

James B. Nutter & CO.

Website: http://www.jamesbnutter.com/
Phone: 800-217-7334

Johnson Bank

Website: http://www.johnsonbank.com/
Phone: 800-661-2446

Kentucky Bank

Website: http://www.kybank.com
Phone: 800-467-1939

Lake Michigan Credit Union

Website: http://www.lmcu.org/mortgage/refinance/refinance.aspx
Phone: 800-242-9790, ext. 9912

Lakeview Loan Servicing, LLC

Website: http://www.lakeviewloanservicing.com
Phone: 855-294-8535

Land Home Financial Services

Website: https://www.lhfinancial.com/HARP/
Phone: 800-388-6596

Landmark Credit Union

Website: https://www.landmarkcu.com/
Phone: 800-871-2110

Les Bois Credit Union

Website: http://www.lesboiscu.org
Phone: 208-493-0160

Liberty Savings Bank, FSB

Website: http://www.libertysavings.com/
Phone: 888-850-2265

M&T Bank

Website: https://www.mtb.com/customerservice/Pages/harp.aspx
Phone: 855-415-4277

MainSource Bank

Website: https://www.mainsourcebank.com/index.htm
Phone: 800-713-6083 x26604

Mazon State Bank

Website: http://mazonstatebank.com/
Phone: 815-448-2102

Member First Mortgage

Website: http://www.memberfirstmortgage.com
Phone: 866-898-1818

Member Mortgage Services, Ltd.

Website: http://www.membermortgage.com
Phone: 248-788-0800

Meredith Village Savings Bank

Website: https://www.mvsb.com
Phone: 800-922-6872

Milford Federal Savings & Loan Association

Website: http://www.milfordfederal.com/
Phone: 800-478-6990

Monarch Community Bank

Website: http://www.monarchcb.com/
Phone: 800-882-2911

Mountain American Federal Credit Union

Website: http://www.macu.com/home/homeloans
Phone: 800-277-7703

Nationstar Mortgage, LLC

Website: https://www.nationstarmtg.com
Phone: 855-781-7998

Navy Federal Credit Union

Website: https://www.navyfederal.org
Phone: 888-842-6328

New Carlisle Federal Savings Bank

Website: http://www.newcarlislefederal.com
Phone: 937-845-3636

North Shore Bank FSB

Website: http://www.northshorebank.com/
Phone: 877-672-2265

North Valley Bank

Website: http://www.novb.com
Phone: 800-390-8054

Northwest Bank of Rockford

Website: http://www.northwestbankrockford.com/
Phone: 815-229-9456

Panhandle State Bank

Website: http://www.panhandlebank.com
Phone: 888-275-3434

Park National Bank

Website: https://www.parknationalbank.com
Phone: 740-349-8633

Park View Federal Savings Bank

Website: https://www.parkviewfederal.com/
Phone: 440-248-7171

PennyMac

Website: http://pennymacusa.com/harp-refinance
Phone: 866-549-3583

Peoples State Bank of Munising

Website: http://www.bankatpsb.com/
Phone: 906-387-2009

Platinum Home Mortgage Corporation

Website: www.phmc.com/
Phone: 847-797-9500

PNC Bank

Website: https://www.pncmortgage.com/harp
Phone: 866-909-1730

Popular Mortgage INC.

Website: http://www.popular.com/
Phone: 877-244-0172

Provident Funding Associates, L.P.

Website: https://www.Providentfunding.com
Phone: 800-696-8199

Pyramax Bank

Website: https://www.pyramaxbank.com
Phone: 414-421-8200

RBS Citizens, NA

Website: http://www.citizensbank.com/mortgages/default.aspx
Phone: 800-234-6002

Regions Bank

Website: https://www.regions.com/mortgage.rf
Phone: 877-536-3286

Riverview Community Bank

Website: http://www.riverviewbank.com
Phone: 360-514-5041

Royal Credit Union

Website: http://www.rcu.org/
Phone: 800-341-9911 ext. 7241

Scotiabank de Puerto Rico

Website: http://www.scotiabankpr.com
Phone: 787-767-8585

Seattle Metropolitan Credit Union

Website: https://www.smcu.com
Phone: 206-398-5888

SECU of Maryland

Website: https://www.secumd.org/html/secu/lower.htm?page=loans.mortgage
Phone: 800-879-7328

Sovereign Bank, N.A.

Website: http://www.sovereignbank.com/
Phone: 877-729-4801

St. Tammany Homestead Savings & Loan Association

Website: http://www.sttammanyhomestead.com
Phone: 985-892-4565

Standard Mortgage Corporation

Website: http://stanmor.com/
Phone: 800-826-5801 Option 2

State Bank of Cross Plains

Website: http://www.crossplainsbank.com
Phone: 608-826-3550

State Financial Network

Website: http://www.sfninc.com
Phone: 610-325-5002

Stephens Federal Bank

Website: http://www.stephensfederalbank.com
Phone: 888-910-2265

Sterling Savings Bank

Website: https://www.bankwithsterling.com/
Phone: 888-671-1113

Stillman Banccorp, N.A.

Website: http://www.stillmanbank.com/
Phone: 815-332-8100

SunTrust Mortgage, INC.

Website: https://www.suntrustmortgage.com/
Phone: 800-330-4684

Superior Choice Credit Union

Website: http://www.superiorchoice.com
Phone: 800-569-4167

The Baraboo National Bank

Website: https://www.baraboonational.com
Phone: 608-356-7703

The Bryn Mawr Trust Company

Website: https://www.bmtc.com
Phone: 610-581-4818

The Dime Bank

Website: http://www.thedimebank.com
Phone: 570-253-1970

The Farmers & Merchants State Bank

Website: https://www.fm-bank.com/
Phone: 800-451-7843

The LaPorte Savings Bank

Website: http://www.laportesavingsbank.com
Phone: 219-362-7511

The National Bank & Trust Company OF Sycamore

Website: https://www.banknbt.com
Phone: 815-895-2125

The Palmetto Bank

Website: https://www.palmettobank.com
Phone: 800-288-7975

The Union Bank Company

Website: http://www.theubank.com
Phone: 800-837-8111

Thrivent Federal Credit Union

Website: https://www.thriventcu.com
Phone: 866-226-5225 ext. 3550

Thumb National Bank & Trust Co.

Website: https://www.thumbnational.com
Phone: 866-862-3113

Timberland Bank

Website: https://timberlandbank.com/
Phone: 800-562-8761

Tri Counties Bank

Website: https://www.tcbk.com/
Phone: 800-922-8742

Tri-County Bank

Website: http://www.tri-countybank.com
Phone: 800-346-9909

Tropical Financial Credit Union

Website: https://tropicalfcu.mortgagewebcenter.com/Default.asp?bhcp=1
Phone: 888-261-8328

U.S. Bank N.A.

Website: https://www.usbank.com/mortgage/learning/making-home-affordable.html
Phone: 866-445-4681

Ulster Savings Bank

Website: https://www.ulstersavings.com/home/home
Phone: 866-440-0391

Umpqua Bank

Website: http://umpquabank.com
Phone: 866-470-2852

Union Savings Bank

Website: http://www.usavingsbank.com/

Union State Bank

Website: http://www.unionstatebank.org
Phone: 888-958-6466

United Bank

Website: http://www.accessunited.com
Phone: 770-567-7211

United Bank Mortgage Corporation

Website: https://www.unitedbankofmichigan.com
Phone: 616-559-7000

Valley Bank of Kalispell

Website: http://www.valleybankmt.com
Phone: 406-752-7155

Village Mortgage Company

Website: http://www.villagemtg.com
Phone: 800-685-5243

Wall Street Mortgage Bankers Ltd. Power Express

Website: http://www.powerexpressmortgage.com
Phone: 800-826-2265

Weichert Financial Services

Website: http://www.weichertfs.com
Phone: 800-788-7338

Wells Fargo Bank, N.A.

Website: https://www.wellsfargo.com/mortgage/loan-programs/refinancing-programs
Phone: 866-898-1122

Wells Federal Bank

Website: http://www.wellsfederal.com
Phone: 507-553-3151


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