Buffalo, Minnesota mortgage lenders include Old National BankOld National Bank910 Commercial Dr, Buffalo, MN 55313A+5.0 ★Texas Ratio: 4.98%, Cortrust BankCortrust Bank555 Highway 55 E, Buffalo, MN 55313A+5.0 ★Texas Ratio: 5.11%, Wells Fargo Bank NAWells Fargo Bank NA615 Highway 55 E, Buffalo, MN 55313A+5.0 ★Texas Ratio: 5.36%, BankwestBankwest311 10th Ave S, Buffalo, MN 55313A+5.0 ★Texas Ratio: 3.09%, Bell BankBell Bank1001 Broadway St, Alexandria, MN 56308A+5.0 ★Texas Ratio: 3.66%, Trustone Financial Credit UnionTrustone Financial Credit Union2772 E 82nd St, Bloomington, MN 55425 1365A+5.0 ★Texas Ratio: 4.56%, Blaze Credit UnionBlaze Credit Union10 Northtown Dr NE, Blaine, MN 55434 1033A5.0 ★Texas Ratio: 6.19%, US Bank, N.A.US Bank, N.A.331 S Broadway Ave, Albert Lea, MN 56007A+5.0 ★Texas Ratio: 2.85%, Sherburne State BankSherburne State Bank12500 Sherburne Avenue, Becker, MN 55308A+5.0 ★Texas Ratio: 0.20%, and Wings Financial Credit UnionWings Financial Credit Union14985 Glazier Ave, Apple Valley, MN 55124. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Buffalo, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Buffalo are listed first, then lenders elsewhere in Minnesota, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Market share is the lender's share of all home loans closed in Buffalo, Minnesota. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
|---|---|---|---|---|---|---|
|
1 office in Buffalo 910 Commercial Dr, Buffalo, MN 55313 A+5.0 ★Texas Ratio: 4.98% |
Conventional, Jumbo, HELOC | 8 +15 HELOCs |
1.7% | 88.9% | $628,750 | View |
|
1 office in Buffalo 555 Highway 55 E, Buffalo, MN 55313 A+5.0 ★Texas Ratio: 5.11% |
Conventional | 8 | 1.7% | 88.9% | $132,500 | View |
|
1 office in Buffalo 615 Highway 55 E, Buffalo, MN 55313 A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA, Jumbo | 6 | 1.3% | 100% | $376,666 | View |
|
1 office in Buffalo 311 10th Ave S, Buffalo, MN 55313 A+5.0 ★Texas Ratio: 3.09% |
Conventional | 5 | 1.1% | 83.3% | $149,000 | View |
|
1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, HELOC | 20 +1 HELOCs |
4.3% | 95.2% | $387,000 | View |
|
2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56% |
Conventional, VA, Jumbo, HELOC | 13 +7 HELOCs |
2.8% | 81.2% | $202,692 | View |
|
10 Northtown Dr NE, Blaine, MN 55434 1033 A5.0 ★Texas Ratio: 6.19% |
Conventional, HELOC | 10 +3 HELOCs |
2.1% | 100% | $136,000 | View |
|
331 S Broadway Ave, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, Jumbo, HELOC | 7 +4 HELOCs |
1.5% | 77.8% | $467,857 | View |
|
12500 Sherburne Avenue, Becker, MN 55308 A+5.0 ★Texas Ratio: 0.20% |
Conventional | 7 | 1.5% | 100% | $309,285 | View |
|
14985 Glazier Ave, Apple Valley, MN 55124 |
Conventional, Jumbo, HELOC | 5 +6 HELOCs |
1.1% | 100% | $643,000 | View |
|
11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85% |
Conventional, FHA | 5 | 1.1% | 100% | $237,000 | View |
|
1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41% |
Conventional, HELOC | 4 +4 HELOCs |
0.9% | 100% | $110,000 | View |
|
143 W Clark St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 4 | 0.9% | 100% | $240,000 | View |
|
208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional, VA | 4 | 0.9% | 100% | $387,500 | View |
|
715 Crossroads Campus Dr NE, Buffalo, MN 55313 5074 A+5.0 ★Texas Ratio: 1.13% |
Conventional, Jumbo | 4 | 0.9% | 80% | $302,500 | View |
|
15103 Cedar Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.6% | 100% | $285,000 | View |
|
4125 Ball Rd Ne, Blaine, MN 55014 A+5.0 ★Texas Ratio: 1.06% |
Conventional | 2 | 0.4% | 100% | $100,000 | View |
|
730 Humboldt Dr, Big Lake, MN 55309 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 0.4% | 100% | $185,000 | View |
|
3313 Highway 29 S, Alexandria, MN 56308 A-5.0 ★Texas Ratio: 15.55% |
Conventional, VA | 2 | 0.4% | 100% | $260,000 | View |
|
4350 8th St N, Saint Cloud, MN 56303 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 0.4% | 100% | $295,000 | View |
|
460 Elm Street E, Annandale, MN 55302 B+4.7 ★Texas Ratio: 18.21% |
Conventional | 2 | 0.4% | 100% | $295,000 | View |
|
410 2nd St W, Ada, MN 56510 A+5.0 ★Texas Ratio: 5.91% |
Conventional | 2 | 0.4% | 100% | $300,000 | View |
|
405 E Main St, Anoka, MN 55303 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 100% | $445,000 | View |
|
900 American Blvd W, Bloomington, MN 55420 A5.0 ★Texas Ratio: 6.54% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $225,000 | View |
|
7300 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 3.28% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $255,000 | View |
|
412 E Main St, Ada, MN 56510 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 33.3% | $365,000 | View |
|
15 Minnesota Ave S, Aitkin, MN 56431 B4.5 ★Texas Ratio: 21.20% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
|
40 Chestnut St W, Annandale, MN 55302 A+5.0 ★Texas Ratio: 0.26% |
Conventional | 1 | 0.2% | 100% | $185,000 | View |
|
20 Hartman Dr, Moose Lake, MN 55767 A+5.0 ★Texas Ratio: 0.52% |
Conventional | 1 | 0.2% | 50% | $255,000 | View |
|
9741 Lyndale Ave S, Bloomington, MN 55420 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 1 | 0.2% | 50% | $35,000 | View |
|
5600 La Centre Ave Ste 100, Albertville, MN 55301 4018 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.2% | 100% | $395,000 | View |
|
15751 Emperor Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 0.90% |
Conventional | 1 | 0.2% | 100% | $85,000 | View |
|
641 Railroad Ave, Albany, MN 56307 A+5.0 ★Texas Ratio: 1.40% |
Conventional | 1 | 0.2% | 100% | $435,000 | View |
|
13735 Round Lake Blvd NW, Andover, MN 55304 A+5.0 ★Texas Ratio: 5.40% |
Conventional | 1 | 0.2% | 50% | $105,000 | View |
|
11102 57th St Ne, Albertville, MN 55301 A+5.0 ★Texas Ratio: 5.48% |
Conventional | 1 | 0.2% | 100% | $615,000 | View |
|
208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
|
7831 E Bush Lake Rd, Edina, MN 55439 A+5.0 ★Texas Ratio: 3.43% |
Conventional | 1 | 0.2% | 100% | $45,000 | View |
|
11800 Aberdeen St Ne, Blaine, MN 55449 C+4.1 ★Texas Ratio: 26.29% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
|
242 N 1st St, Pennock, MN 56279 C-3.6 ★Texas Ratio: 31.27% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
|
3225 Denmark Ave, Eagan, MN 55121 1382 A+5.0 ★Texas Ratio: 5.61% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
7760 France Ave S, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 3.45% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Tradition Mortgage, LLC
|
Conventional, VA | 3 | 0.6% | 100% | $268,333 | |
Servion
|
Conventional, FHA | 2 | 0.4% | 100% | $295,000 | |
Summit Mortgage Corporation
|
Conventional | 2 | 0.4% | 100% | $620,000 | |
Bremer Bank NA
|
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $305,000 | |
Cambria Financial Group
|
FHA | 1 | 0.2% | 100% | $355,000 | |
Rocket Mortgage
|
Conventional, FHA, VA | 38 | 8.1% | 88.4% | $263,684 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 25 | 5.4% | 86.2% | $350,200 | |
Fairway Independent Mort Corp
|
Conventional, FHA | 23 | 4.9% | 100% | $273,260 | |
Lennar Mortgage, LLC
|
Conventional, FHA, VA | 19 | 4.1% | 90.5% | $320,789 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, VA | 13 | 2.8% | 100% | $318,076 | |
New American Funding, LLC.
|
Conventional, FHA, VA | 13 | 2.8% | 86.7% | $282,692 | |
Guaranteed Rate, Inc.
|
Conventional, VA, Jumbo | 10 | 2.1% | 100% | $376,000 | |
Freedom Mortgage Corporation
|
FHA, VA | 10 | 2.1% | 91.7% | $309,000 | |
Florida Capital Bank, N.A
|
Conventional, FHA | 10 | 2.1% | 100% | $283,000 | |
Newrez LLC
|
Conventional, VA | 7 | 1.5% | 70% | $375,000 | |
Prosperity Home Mortgage, LLC
|
Conventional, VA | 6 | 1.3% | 85.7% | $308,333 | |
Everett Financial, Inc.
|
Conventional, FHA, VA | 5 | 1.1% | 100% | $301,000 | |
|
D3.3 ★Texas Ratio: 35.11% |
Conventional, VA | 5 | 1.1% | 27.8% | $391,000 | View |
Pennymac Loan Services LLC
|
Conventional, FHA, VA, Jumbo | 5 | 1.1% | 87.5% | $559,000 | |
Sfmc, LP
|
Conventional, FHA | 5 | 1.1% | 100% | $335,000 | |
Paramount Residential Mortgage
|
Conventional, FHA | 5 | 1.1% | 83.3% | $317,000 | |
Lakeview Loan Servicing, LLC
|
FHA, VA | 4 | 0.9% | 100% | $322,500 | |
Homeowners Financial Group, LLC
|
Conventional | 4 | 0.9% | 100% | $215,000 | |
Waterstone Mortgage Corporation
|
Conventional, FHA, VA | 4 | 0.9% | 100% | $287,500 | |
|
A+5.0 ★Texas Ratio: 5.11% |
Conventional | 4 | 0.9% | 100% | $235,000 | View |
Zillow Home Loans, LLC
|
Conventional, VA | 4 | 0.9% | 100% | $332,500 | |
Lower, LLC
|
Conventional, FHA | 4 | 0.9% | 100% | $377,500 | |
|
A+5.0 ★Texas Ratio: 3.17% |
Conventional | 4 | 0.9% | 100% | $195,000 | View |
American Neighborhood Mortgage Acceptance Company
|
Conventional, FHA | 4 | 0.9% | 100% | $257,500 | |
Primelending
|
Conventional | 3 | 0.6% | 100% | $381,666 | |
Gold Star Mortgage Financial Group, Corporation
|
Conventional, FHA, USDA | 3 | 0.6% | 100% | $228,333 | |
loanDepot.com LLC
|
Conventional, FHA | 3 | 0.6% | 75% | $138,333 | |
Triad Financial Services, Inc.
|
Conventional | 3 | 0.6% | 80% | $81,666 | |
Integrity Home Mortgage Corporation
|
Conventional | 3 | 0.6% | 100% | $281,666 | |
21St Mortgage
|
Conventional | 3 | 0.6% | 100% | $45,000 | |
Plaza Home Mortgage, Inc
|
Conventional, FHA | 3 | 0.6% | 75% | $271,666 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 2 | 0.4% | 100% | $285,000 | View |
Click n' Close, Inc.
|
Conventional, FHA | 2 | 0.4% | 100% | $150,000 | |
Cardinal Financial Company, Li
|
Conventional | 2 | 0.4% | 100% | $295,000 | |
First International Bank & Trust
|
Conventional | 2 | 0.4% | 100% | $90,000 | |
|
A+5.0 ★Texas Ratio: 1.10% |
Conventional, VA | 2 | 0.4% | 100% | $250,000 | View |
|
A+5.0 ★Texas Ratio: 2.20% |
Conventional | 2 | 0.4% | 100% | $690,000 | View |
Nationstar Mortgage
|
Conventional | 2 | 0.4% | 100% | $110,000 | |
Mortgage Research Center
|
VA | 2 | 0.4% | 33.3% | $365,000 | |
Megastar Finanacial Corp
|
Conventional | 2 | 0.4% | 100% | $345,000 | |
|
A5.0 ★Texas Ratio: 7.43% |
Conventional | 2 | 0.4% | 100% | $175,000 | View |
Carrington Mortgage Services LLC
|
Conventional, FHA | 2 | 0.4% | 75% | $100,000 | |
|
C3.9 ★Texas Ratio: 27.97% |
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 100% | $365,000 | View |
Guaranteed Rate Affinity, LLC
|
Conventional | 1 | 0.2% | 100% | $315,000 | |
American Financial Resources LLC
|
FHA | 1 | 0.2% | 100% | $305,000 | |
Royal United Mortgage LLC
|
Conventional | 1 | 0.2% | 100% | $85,000 | |
Primary Residential Mortgage, INC.
|
USDA | 1 | 0.2% | 100% | $355,000 | |
SWBC Mortgage Corporation
|
Conventional | 1 | 0.2% | 100% | $315,000 | |
Go Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $445,000 | |
Movement Mortgage, LLC
|
VA, Jumbo | 1 | 0.2% | 100% | $985,000 | |
United Trust Bank
|
FHA | 1 | 0.2% | 100% | $225,000 | |
Filo Mortgage, LLC
|
VA | 1 | 0.2% | 100% | $335,000 | |
Guild Mortgage Company
|
VA | 1 | 0.2% | 100% | $595,000 | |
Homestead Funding Corp.
|
Conventional | 1 | 0.2% | 100% | $315,000 | |
|
A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
Cmg Mortgage Inc
|
Conventional | 1 | 0.2% | 100% | $425,000 | |
HomeBridge Financial Services, Inc
|
VA | 1 | 0.2% | 100% | $355,000 | |
Success Mortgage Partners, Inc
|
FHA | 1 | 0.2% | 100% | $285,000 | |
OMNI Community Credit Union
|
Conventional | 1 | 0.2% | 100% | $315,000 | |
Discover Bank
|
Conventional | 1 | 0.2% | 25% | $105,000 | |
Sun West Mortgage Company, Inc
|
FHA | 1 | 0.2% | 100% | $145,000 | |
Connexus Credit Union
|
Conventional | 1 | 0.2% | 100% | $65,000 | |
Union Home Mortgage Corp.
|
FHA | 1 | 0.2% | 100% | $295,000 | |
Bay Equity LLC
|
FHA | 1 | 0.2% | 100% | $425,000 | |
|
A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
Churchill Mortgage Corporation
|
Conventional | 1 | 0.2% | 100% | $365,000 | |
Midwestone Bank
|
Conventional | 1 | 0.2% | 100% | $245,000 | |
|
A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.2% | 100% | $375,000 | View |
Provident Funding Associates
|
Conventional | 1 | 0.2% | 100% | $365,000 | |
|
A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
|
A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.2% | 100% | $45,000 | View |
|
A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.2% | 100% | $215,000 | View |
|
A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
Mutual of Omaha Mortgage
|
FHA | 1 | 0.2% | 50% | $245,000 | |
|
A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.2% | 100% | $335,000 | View |
First Community Credit Union
|
Conventional | 1 | 0.2% | 100% | $215,000 | |
|
C+4.1 ★Texas Ratio: 26.29% |
Conventional | 1 | 0.2% | 20% | $75,000 | View |
Navy Federal Credit Union
|
Conventional | 1 | 0.2% | 100% | $345,000 | |
|
A+5.0 ★Texas Ratio: 0.51% |
VA | 1 | 0.2% | 100% | $305,000 | View |
|
A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.2% | 100% | $425,000 | View |
Mason-McDuffie Mortgage Corporation
|
Conventional | 1 | 0.2% | 100% | $225,000 | |
Spring Eq, LLC
|
Conventional | 1 | 0.2% | 33.3% | $65,000 | |
Top Flite Financial, Inc.
|
Conventional | 1 | 0.2% | 100% | $75,000 | |
Champions Funding, LLC
|
Conventional | 1 | 0.2% | 100% | $345,000 | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Figure Lending LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Fourleaf Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
A5.0 ★Texas Ratio: 8.08% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Daily average mortgage rates for Minnesota compared with the national average, updated every evening.
Looking for mortgage lenders near me or mortgage brokers near me in Buffalo? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Buffalo in 2025, with lenders based there listed first.
Use these to narrow the list above. Each category shows how many Buffalo, MN lenders fit and what that kind of lender is usually best for.
Independent mortgage companies closed 57.6 percent of home loans in Buffalo, Minnesota in 2025, banks 31.5 percent and credit unions 10.9 percent. Luminate Home Loans, Inc. was the largest mortgage company, Old National Bank the largest bank and Trustone Financial Credit Union the largest credit union. Among lenders headquartered in Minnesota, Wells Fargo Bank NA led with 6 loans.
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Minnesota. State deed tax of 0.33 percent of the price (seller pays) and a mortgage registry tax of 0.23 percent of the mortgage amount (borrower pays); Hennepin and Ramsey counties add 0.01 percent to each through 2027.
By home loans closed in 2025, Old National Bank was the largest mortgage lender in Buffalo, Minnesota with 8 loans, about 1.7 percent of the market. The largest lender headquartered in Minnesota was Wells Fargo Bank NA with 6 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
35 lenders closed FHA loans in Buffalo, Minnesota in 2025, led by United Wholesale Mortgage with 9. 28 lenders closed VA loans, led by Rocket Mortgage, and 2 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 55 banks and 20 credit unions closed home loans in Buffalo, Minnesota in 2025, alongside 62 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Buffalo, Minnesota during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Buffalo, Minnesota for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Buffalo. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.