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 |
|---|---|---|---|
| Digital Federal Credit Union ↗ Credit union | Published example source | Reviewed October 26, 2026. DCU operates as a division of First Technology Federal Credit Union. Conventional fixed-rate, eligible 3%-down primary-home purchase, jumbo fixed-rate and lender-wide document guidance are recorded separately. Standard conventional down payment is at least 5% plus closing costs; the 3% program has additional restrictions. Official purchase examples are dated October 26, 2026 and use 780+ credit and 80% LTV as pricing assumptions. Numeric examples remain pending because their evidence could not be validated for publication. Negative points are not dollar credits; payments per $1,000 are not whole-loan payments. No full state-code list was verified. Updates are manual; scheduled collection and automatic publication remain off. | Not collected |
| Discover ↗ Bank | Source under investigation | Official closure notice: Discover no longer originates residential mortgage loans and ceased servicing February 2, 2026. Published directory NotOriginating. No rate collection or new application paths. Reviewed October27,2026. Scheduled collection and automatic publication disabled. Adapter and freshness settings retained. | Not collected |
| East West Bank ↗ Bank | Contact lender for pricing | Reviewed October 26, 2026. Conventional, Bridge to Home and low-down-payment programs have separate occupancy requirements. Only Bridge to Home explicitly lists foreign nationals. Selected counties in CA, GA, MA, NV, NY, TX and WA are supported; the linked territory guide is revised August 11, 2022. LTV limits are not published minimum down payments. Bridge states no minimum score if bill-payment history is as agreed; this does not establish acceptance of no credit history. Low-down-payment loan limits differ from the newer conventional limits and need lender confirmation. Texas cash-out and New York co-op restrictions are preserved. The bank does not accept broker loans. The main application portal was inaccessible; the verified loan-officer inquiry route is published. The bank directs current-rate inquiries to an MLO. Updates are manual; scheduled collection and automatic publication remain off. | Not collected |
| Embrace Home Loans ↗ Mortgage company | Published example source | Reviewed October 26, 2026. Conventional requirements are published for primary, second and rental homes, with minimum FICO 620. The phrase often 20% down is conditional, not a universal minimum. The product page cites 2024 conforming limits; confirm current limits. One undated generic 30-year 5/1 ARM example is published separately with program link, loan type, purpose and occupancy unconfirmed. Its 660 FICO, 43% DTI and 80% LTV are pricing assumptions, not conventional eligibility. The published payment is not asserted as P&I because its components are not fully established. The direct loan-officer finder was verified. A licensing map and location count do not establish complete state codes. Updates are manual; scheduled collection and automatic publication remain off. | 2026-10-26 12:56 |
| Fairway Home Mortgage ↗ Mortgage company | Contact lender for pricing | Reviewed October 26, 2026. Fairway conventional programs allow as little as 3% down for qualifying borrowers; the condition is retained. Product disclosures address PMI below 20% down, Fannie Mae IRS-tax-lien restrictions and conditional closing-cost assistance. Numerical minimum score, occupancy, visa/ITIN, foreign-credit/income and reserve requirements are not stated on the reviewed product page. No current numeric advertised conventional quote was verified; older educational rate illustrations are excluded. The direct purchase/refinance chooser was verified. License notices and branch locations are not a complete origination-state list. Updates are manual; scheduled collection and automatic publication remain off. | Not collected |
| Fifth Third ↗ Bank | Interactive source; validation needed | Reviewed October 26, 2026. Fixed-rate, ARM, Home Possible, HomeReady, Refi Possible and RefiNow requirements are recorded separately. Fixed-rate eligibility as low as 620 FICO/3% down is separate from the 780 FICO pricing assumption. Home Possible/HomeReady FAQ states an 80% AMI limit; other eligibility wording should be confirmed with a mortgage specialist. The public rate tool did not populate county choices, so no numeric rate could be verified. The direct Blend mortgage chooser was verified. Assistance-state lists do not establish lender-wide coverage. Rate Drop Protector is a conditional fee-waiver offer, not a separate mortgage program. Official legal identity is Fifth Third Bank, National Association. Updates are manual; scheduled collection and automatic publication remain off. | Not collected |
| First Citizens Bank ↗ Bank | Contact lender for pricing | Reviewed October 26, 2026. Fixed-rate application explicitly requires an SSN, employer contact information, financial estimates and property details. This does not establish ITIN rejection or visa/credit-history restrictions. Purchase/refinance and 15–30-year terms are supported. The disclosure dated October 26, 2026 gives a $400,000 loan, 360 months, 3.875% APR and $1,880.95 P&I but no interest-rate figure; no interest rate was inferred or substituted with APR. Complete state coverage is unconfirmed. The official external application portal was verified. Official legal identity is First-Citizens Bank & Trust Company. Updates are manual; scheduled collection and automatic publication remain off. | Not collected |
| First Horizon Bank ↗ Bank | Contact lender for pricing | Reviewed October 26, 2026. Conventional fixed-rate requirements and lender-wide conditional application guidance are recorded separately. Typical fixed terms are 10–30 years; 20% down avoids PMI and less than 20% requires it, but no universal minimum is stated. Government, affordable-housing and lender-wide maximum-loan claims are not assigned to conventional fixed eligibility. The mortgage-linked process guide describes conditional income, appraisal, insurance and existing-mortgage documents. No current numeric advertised interest rate/APR or complete state codes were verified. The published direct route is a verified mortgage inquiry for a representative callback. Updates are manual; scheduled collection and automatic publication remain off. | Not collected |
| First Tech Federal Credit Union ↗ Credit union | Source under investigation | Linked from the provider directory. Homepage is a discovery starting point; mortgage offering, channel, requirements and numeric source are unverified. | Not collected |
| Flagstar Bank ↗ Bank | Source under investigation | LATEST REQUIREMENTS REVIEW 2026-10-30T03:55:26.505Z: ITIN replacement adds primary-residence-only restriction and complete general disclosure. Direct current page access restricted; full indexed text alone is not approval evidence. DO NOT PUBLISH superseded 7c89ca9c-2a6c-4658-9f15-96dd41cd389c; corrected replacement d44b88d4-0d4e-4560-85c2-a0a60b488901 (itin). All replacements remain unpublished pending a different authorized reviewer from np1225@nyu.edu. Scheduling and automatic publication disabled. Prior source notes preserved below. HISTORICAL NOTES: Linked from the provider directory. Homepage is a discovery starting point; mortgage offering, channel, requirements and numeric source are unverified. | Not collected |
| Flat Branch Home Loans ↗ Mortgage company | Source under investigation | Linked from the provider directory. Homepage is a discovery starting point; mortgage offering, channel, requirements and numeric source are unverified. | Not collected |
| FourLeaf Federal Credit Union ↗ Credit union | Source under investigation | Linked from the provider directory. Homepage is a discovery starting point; mortgage offering, channel, requirements and numeric source are unverified. | Not collected |