Mortgage lender coverage
The register includes directory-linked banks, credit unions and mortgage companies, alongside the initial major-bank coverage. It is not an exhaustive U.S. lender registry. Coverage assessment, reviewed lender profiles and published numeric rates are separate stages.
HTML/browser labels describe the intended collection method; they do not mean a collector is validated. Source notes distinguish text checks from untested browser flows. No public bank-rate API/feed has been verified.
| Lender / official source | Source method / availability | Test status and limitations | Last successful extraction UTC |
|---|---|---|---|
| Angel Oak Mortgage Solutions ↗ Mortgage company | Contact lender for pricing | Manual official ITIN program review 2026-10-24. Published primary-residence requirements: min640FICO, max80%LTV,3months reserves; purchase/rate-term up to750000; cash-out up to550000 with75%LTV/680FICO. 12/24month bank statements or full-doc; property and DTI restrictions apply. Official licensing table explicitly lists47 jurisdictions; directory publishes these with New York site restriction. Company is wholesale division of Angel Oak Companies; broker AE route verified. QuickQuote is intended for mortgage brokers and requires a borrower pricing scenario; no relevant static numeric advertised interest/APR example was published on reviewed pages. Do not infer foreign-credit acceptance. Collector and automatic publication paused; retain adapter and2businessday rate freshness. | Not collected |
| Associated Bank ↗ Bank | Published example source | Retested paused source on deployed release: NoQuoteReturned[Timeout], see run history. Current official browser rate sheet10/27/2026 9:47:19AMCDT accessible; no changed selectors inferred. Withdrawn obsolete10-year,FHA,VA observations after table comparison. Three manual replacements being submitted with field-specific evidence and different-reviewer requirement. Preserve historical error; no audited resolve control exposed. Automation remains off. Reviewed October27,2026. Scheduled collection and automatic publication disabled. Adapter and freshness settings retained. | 2026-10-28 03:59 |
| Atlantic Bay Mortgage Group ↗ Mortgage company | Contact lender for pricing | Reviewed October 24, 2026. Official conventional product page supports purchase and refinance for primary residences, second homes and investment properties, maintained as three separate published programs. Lender-wide identity-document requirements are published separately with occupancy NotStated; passport and non-resident alien card references are identification options, not visa or program eligibility. Conventional requirements are described as typical and weighed together. The 3% down option is conditional on qualifying first-time buyers and is not inherited by second-home or investment programs, which have higher down payment and reserve expectations. Source preserves typical credit, employment/income, DTI, PMI and county conforming-limit conditions. The official mortgage-rates page provides education and personalized banker quotes without a numeric current advertised example; pricing stays unconfirmed. Legal licensing explicitly lists 18 jurisdictions (AL,DE,FL,GA,IN,KY,LA,MD,NC,NJ,OH,PA,SC,TN,TX,VA,DC,WV). Direct banker contact/application-information page opens correctly. Collection and automatic publication remain paused; adapter and freshness settings retained. | Not collected |
| Axos Bank ↗ Bank | Contact lender for pricing | Manual review 2026-10-24: jumbo primary/second/investment purchase/refinance and separate foreign-national second-home requirements published. Jumbo page contains undated obsolete conforming-limit example; not a current limit. Foreign-national page states no FICO, foreign/alternative credit, visa/passport/secondID/SSN-or-ITIN and income/12-month credit-reference/seasoned-asset documentation. Do not inherit these facts across generic jumbo programs. Public consumer rate tool requires contact data and marketing-consent submission before numeric pricing; no rate observation created. Verified direct account-registration destination and wholesale/correspondent partner information paths; lender-wide state coverage not stated. Collector and automatic publication paused; adapter and freshness retained. | Not collected |
| Bank of America ↗ Bank | Interactive source; validation needed | Official pages reviewed on 25 October 2026. The product profile, fifteen separate program requirement records, lender identity and direct application link are published. Twelve advertised examples are published: six purchase and six refinance examples dated 23 October 2026 at 7:34 a.m. Pacific Daylight Time. The exact source time is retained as text; the editor did not recognize its format for a UTC timestamp. Default purchase examples use a $250,000 property, $50,000 down payment, $200,000 loan and ZIP 95464, with a 45-day lock. Refinance examples use the same property value and loan amount with a 60-day lock. Excellent credit including 740 or higher is a pricing assumption, not an eligibility minimum. Published payments include principal, interest and any applicable mortgage insurance; taxes and homeowners insurance are excluded. ARM details and later payment schedules are preserved. The jumbo table shows a $1,300,000 loan, while its linked disclosure shows $1,250,000 with different pricing. Jumbo pricing remains unconfirmed because those inconsistent scenarios cannot be merged. Doctor, affordable, grant, builder and government refinance conditions are program-specific. No complete mortgage state-code coverage list or mortgage-specific foreign credit, ITIN, visa or foreign income acceptance was found on the reviewed consumer pages. Rates load after placeholders; table presence does not establish successful extraction. Collection and automatic publication remain paused, with no automation scenario or browser actions configured. Browser extraction has not been validated. | 2026-10-25 18:48 |
| BECU ↗ Credit union | Published example source | Manual official review completed October 25, 2026 for this BECU product. Current profile, 14 program/occupancy requirement records, lender directory and 13 advertised examples are published separately. Rate sheet effective October 23, 2026 at 7:52 AM; timezone is unstated. Mortgage service states: WA, OR, ID, CA, AZ, KS, MO, PA, IL, SC. Construction is limited to WA, ID and OR. Quoted purchase/refinance, LTV, owner occupancy and excellent credit are pricing assumptions, not eligibility minima. No numeric minimum FICO is inferred. ARM index, margin, reset timing, caps and later payment schedules are retained; negative points are preserved without invented dollar credits. Construction first-year payments are interest-only; FHA/VA payment and APR may reflect funding fees or insurance, so those payments are not labelled P&I only. The 12-year no-fee program has borrower-paid exceptions; table maximum LTV and shared quoted LTV are distinct. First-time-buyer SSN checklist is scoped separately. Washington Home Advantage explicitly allows lawfully present non-U.S. citizens and may allow applicants without a traditional score; this does not establish universal foreign-credit/no-history acceptance. Grant, HomeReady and assistance programs have no specifically associated numeric advertised example and retain unconfirmed pricing. Generic application URL opens BECU-branded sign-in; no application was submitted. Three superseded incomplete ARM review candidates were withdrawn after complete replacements were accepted. Collector and automatic publication remain off; adapter and freshness settings retained. | 2026-10-25 13:55 |
| Better Mortgage ↗ Mortgage company | Interactive source; validation needed | Manually reviewed on 25 October 2026. The updated product profile, 15 program-requirement records, lender directory and 23 advertised examples are published: eight purchase, seven refinance, two VA purchase and six cash-out refinance examples. Each rate retains its own official source and assumptions. Generic fixed/ARM cards are unlinked lender examples; only explicitly identified FHA and VA cards use named programs. FHA refinance pricing is withheld because the lender eligibility FAQ says FHA purchase only. Purchase/refinance/VA footer assumptions use 760+ credit, 20% down, primary single-family and DTI below 35%; these are pricing assumptions, not eligibility requirements. Expanded cash-out inputs instead show credit720–739, property value $550000, existing mortgage balance $330000 and $50000 cash-out; the conflicting generic footer is not assigned to those examples. New loan amount and LTV are not calculated. Rate timestamps state month/day/time/PDT but no year, so UTC remains unknown. Numeric discount points and normalized ARM initial/reset months were rejected by the evidence validator; exact published point figures and ARM labels are preserved in additional assumptions, with published dollar point costs separately recorded. Missing P&I, fees, loan amounts and ARM total terms/index/margin/caps remain unconfirmed. Cash-out ARM APR below note rate is preserved exactly as printed. Ordinary, One Day and token-backed eligibility remain separate. Token-backed marketing says Bitcoin at launch while terms also list USDC; eligible assets require lender confirmation. Its dedicated application URL is not published, and generic direct applications do not qualify for the Coinbase credit offer. The official Get pre-approved link returned a CloudFront request-blocked error during destination verification; functionality is unconfirmed. The explicit state licensing list and lender coverage FAQ support lender coverage, not availability of every program in every state. Historical illustrations and national averages are excluded. Collection is not validated; scheduled collection and automatic publication remain off. Manual rate freshness is two business days; requirements and directory facts need review within 90 days. | 2026-10-25 22:04 |
| BMO ↗ Bank | Contact lender for pricing | Official BMO U.S. mortgage pages manually reviewed on 25 October 2026. The updated profile, published matching rules, lender directory and 20 program/offer records are published: Gateway; fixed primary/second-home/investment; ARM; jumbo; physicians primary; FHA primary; VA; Neighborhood Home Loan; Home Possible; HFA purchase; construction; investment; lender-wide relationship conditions; Welcome Home and LMCT grants; and closing-cost discount for three occupancies. No numeric advertised U.S. mortgage interest-rate/APR example was confirmed; overview directs customers to a Mortgage Specialist. Rate discounts and calculator estimates are not published mortgage rates, and Canadian mortgage rates are excluded. Gateway permits Canadian credit history without U.S. history for eligible Canadian citizens with qualifying BMO relationships; no credit history anywhere remains unconfirmed. Physician program excludes New York and physicians beyond ten years after training, limits five-to-ten-year practitioners and eight listed jurisdictions to95%financing, and requires proof of employment within90days where applicable. FHA/VA lender table score580, HomePossible620, Neighborhood/HFA640 are program-specific. Borrower contribution figures are not total down payment; refinance LTV figures are not purchase assumptions. Mortgage insurance and geographic exceptions are maintained per program. Real-estate secured lending outside BMO’s listed footprint generally needs six months of prior relationship, with stated exceptions; footprint is not a complete supported-state list. Complete lender state codes and LEI remain unknown. NMLS401052, direct channel, BMO Financial Corp parent and BMO Harris former name are evidenced. Official branded online application destination and purchase/refinance/construction choices were verified without submitting data. Grants and closing-cost promotions have income/census-tract/amount restrictions and stated application windows ending31October2026; review at expiry and do not treat assistance as guaranteed. Source method remains ContactLender, scheduled collection and automatic publication remain off, interval120minutes/two-business-day freshness retained. Requirements and directory facts need review within90days. | Not collected |
| BNY ↗ Bank | Contact lender for pricing | Official BNY Wealth private-banking, mortgage disclosures, SAFE Act registration and contact route manually reviewed on25October2026. The provider legal identity is corrected and published as BNY Mellon,N.A., with BNY retained as display brand and bny.com approved. Updated mortgage profile, published matching rules, non-conforming residential mortgage requirements and lender directoryNMLS764464 are independently published. Non-conforming residential mortgages are exclusively available to BNY Wealth clients and qualified Pershing clients, subject to application and credit approval. No numeric advertised mortgage interest rate/APR was confirmed; pricing is available through the private bank. Historical portfolio averages do not establish current prices, interest-only terms, ARM structures, LTV requirements or borrower eligibility. Mortgage-specific score, down payment, reserves, SSN/ITIN, residency/visa, foreign-credit/income and occupancy/purpose criteria remain unstated. The direct contact URL is an official BNY Wealth inquiry page with a Mortgage interest option, not an instant application or approval; no personal data was submitted. Its asset-value options and state dropdown do not establish eligibility minimums or lending coverage. Complete explicit state codes, LEI, former names and parent-entity facts remain unconfirmed in this manual directory review. ContactLender is appropriate; scheduling and automatic publication remain off. Existing120-minute/two-business-day source freshness is retained; requirements/directory need review within90days. | Not collected |
| BOK Financial ↗ Bank | Contact lender for pricing | Official BOK Financial mortgage pages manually reviewed on 25 October 2026. The product profile, exact published matching rules, lender directory and 12 program records are published: conventional primary/second-home/investment; 3% down first-time-buyer primary; conditional FHA low-down-payment; VA; Section184 Native American; jumbo; Lock and Build; Private Wealth custom; Private Wealth construction; and refinancing. Provider is BOKF, NA, with approved bokfinancial.com domain. The 3% conventional option is restricted to a one-unit primary residence and at least one first-time buyer; gift funds permitted. FHA 3.5% down wording is conditional on a score of 620 or above and does not establish a universal FHA minimum. Generic overview credit ranges are not program eligibility. VA zero down is conditional on eligible military service; mortgage insurance is not required. Section184 is for eligible members of federally recognized tribes; gifted down payments and seller contributions up to6% are published, but no minimum down-payment percentage is confirmed. Lock and Build publishes up to270days and one rate drop within45days of lock expiry or home completion, whichever first. Private Wealth financing is kept separate from ordinary mortgage programs. The conventional page contains an undated illustrative sample: 3.875% interest, APR4.711, property200000, loan194000, down6000, 30-year fixed/30-daylock, displayed1290.39monthly payment labeled P&I. Currency and payment consistency need lender confirmation; no rate from that undated sample is published as current pricing. Jumbo page offers up to3million and up to90-day lock but still quotes an undated548250lowerthreshold; this is not established as a current2026loan limit. These source limitations remain visible. No confirmed current advertised mortgage-rate example was entered. Mortgage-specific ITIN, visa, foreign-credit/no-credit-history and foreign-income pathways remain unknown. Official branded Blend application landing verifies NMLS403501. Direct URL is the official Apply Now entry page with local-banker and online choices; no registration, personal data or agreement submitted. Complete explicit lender state codes, LEI, parent/former names and origination-status declaration remain unknown; nationwide marketing is not substituted for codes. ContactLender collection remains paused with automatic publication off, 120minutes/two-business-day freshness retained. Requirements and directory facts need review within90days. | Not collected |
| Capital One ↗ Bank | Mortgage products discontinued | Official manual review 2026-10-24: Capital One explicitly discontinued home loan products and no longer originates or services residential mortgage loans. Its notice also records the closure of Discover Home Loans in July 2025. No new mortgage program, rate or application path is available. Keep collection and automatic publication disabled. | Not collected |
| Carrington Mortgage Services ↗ Mortgage company | Contact lender for pricing | Official retail mortgage pages reviewed manually. Separate conventional, FHA, VA, USDA, ITIN, investor cash-flow and alternative-documentation programs. Eligibility does not inherit across programs. No current numeric advertised rate confirmed in reviewed pages; personalized pricing requires lender contact. Flexible Advantage family excludes MA and ND and cash-out in TX. Prime Advantage page conflicts on maximum cash-out ($750,000 versus $1,000,000); amount remains unconfirmed. FHA debt-to-income wording is inconsistent; no numeric DTI entered. Wholesale and correspondent guidelines are channel-specific. Manual updates only; scheduled collection and automatic publication remain paused. | Not collected |