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Key takeaways Mortgage lenders don’t always count what you actually pay on your student loans. They count a qualifying payment, set by your loan program and by whether your credit report shows a real payment, a $0 payment, or deferment. That number decides how much of your income is left for a mortgage. It also… Read more
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See how Tomo Mortgage’s head of Capital Markets breaks down the latest mortgage rate forecasts, predictions, and outlooks for 2025. Read more

Elements Financial Federal Credit Union is a member-owned, not-for-profit financial cooperative and direct mortgage lender headquartered in Indianapolis, Indiana. With more than 100,000 members and over… Read more

LCNB National Bank is a locally owned, full-service community bank and direct mortgage lender headquartered in Lebanon, Ohio. Founded in 1877 as The Lebanon Citizens National… Read more

First National Bank of Fort Smith is a full-service, community-focused bank and direct mortgage lender headquartered in Fort Smith, Arkansas. Established in 1872, it is the… Read more

Lynx Mortgage Bank LLC is a privately held, direct mortgage lender headquartered in Westbury, New York. Founded in 2004 by a core group of experienced mortgage… Read more

First Horizon Bank is a full-service, community-focused bank and direct mortgage lender headquartered in Memphis, Tennessee. With a history dating back to 1864, it operates over… Read more

First Commonwealth Bank is a full-service, community-focused bank and direct mortgage lender headquartered in Indiana, Pennsylvania. As a subsidiary of First Commonwealth Financial Corporation, the bank… Read more

United Bank, dual-headquartered in Charleston, West Virginia, and Fairfax, Virginia, is a regional banking leader with origins dating back to 1839. Operating nearly 250 branches in… Read more

Horicon Bank is a privately held, community-focused, full-service bank and direct mortgage lender headquartered in Horicon, Wisconsin. Founded in 1896 by Daniel C. Van Brunt, the… Read more

First Harrison Bank is a community-focused, full-service bank and direct mortgage lender headquartered in Corydon, Indiana. Founded in 1891 and operating as a subsidiary of First… Read more

First National Bank of Middle Tennessee is a full-service, community-focused bank and direct mortgage lender headquartered in McMinnville, Tennessee. Established in 1874, it is the third… Read more

Lake Michigan Credit Union (LMCU) is a member-owned, not-for-profit credit union and direct mortgage lender headquartered in Grand Rapids, Michigan. Founded in 1933 as Grand Rapids… Read more