Paterson, New Jersey mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1117 Main St, Paterson, NJ 07503A+5.0 ★Texas Ratio: 3.68%, Columbia BankColumbia Bank37 45 Mclean Blvd, Paterson, NJ 07514A+5.0 ★Texas Ratio: 4.30%, Valley National BankValley National Bank460 Chamberlain Ave, Paterson, NJ 07522A+5.0 ★Texas Ratio: 5.76%, TD BankTD Bank330 21st Ave, Paterson, NJ 07501A+5.0 ★Texas Ratio: 3.71%, PNC Bank N.A.PNC Bank N.A.808 Market St, Paterson, NJ 07513A+5.0 ★Texas Ratio: 4.24%, Bank of America NABank of America NA385 Mclean Blvd, Paterson, NJ 07514A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA273 Crooks Ave, Paterson, NJ 07503A+5.0 ★Texas Ratio: 5.36%, M&T BankM&T Bank162 Main St, Paterson, NJ 07505A+5.0 ★Texas Ratio: 4.11%, North Jersey Federal Credit UnionNorth Jersey Federal Credit Union444 Mola Blvd, Elmwood Park, NJ 07407A+5.0 ★Texas Ratio: 4.55%, and Oceanfirst BankOceanfirst Bank1801 Atlantic Avenue, Atlantic City, NJ 08401A+5.0 ★Texas Ratio: 5.26%. 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 Paterson, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Paterson are listed first, then lenders elsewhere in New Jersey, 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 Paterson, New Jersey. 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 |
|---|---|---|---|---|---|---|
|
2 offices in Paterson 1117 Main St, Paterson, NJ 07503 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, HELOC | 21 +2 HELOCs |
2.8% | 84.6% | $364,047 | View |
|
1 office in Paterson 37 45 Mclean Blvd, Paterson, NJ 07514 A+5.0 ★Texas Ratio: 4.30% |
Conventional, HELOC | 17 +3 HELOCs |
2.3% | 80% | $399,117 | View |
|
1 office in Paterson 460 Chamberlain Ave, Paterson, NJ 07522 A+5.0 ★Texas Ratio: 5.76% |
Conventional, FHA, HELOC | 9 +1 HELOCs |
1.2% | 69.2% | $352,777 | View |
|
2 offices in Paterson 330 21st Ave, Paterson, NJ 07501 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 5 +5 HELOCs |
0.7% | 31.2% | $261,000 | View |
|
★ 1.7 stars, 3 reviews 4 offices in Paterson 808 Market St, Paterson, NJ 07513 A+5.0 ★Texas Ratio: 4.24% |
Conventional, FHA, HELOC | 4 +37 HELOCs |
0.5% | 100% | $255,000 | View |
|
2 offices in Paterson 385 Mclean Blvd, Paterson, NJ 07514 A+5.0 ★Texas Ratio: 4.14% |
Conventional, FHA, HELOC | 4 +7 HELOCs |
0.5% | 80% | $402,500 | View |
|
3 offices in Paterson 273 Crooks Ave, Paterson, NJ 07503 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 0.5% | 44.4% | $225,000 | View |
|
1 office in Paterson 162 Main St, Paterson, NJ 07505 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 2 +3 HELOCs |
0.3% | 66.7% | $385,000 | View |
|
444 Mola Blvd, Elmwood Park, NJ 07407 A+5.0 ★Texas Ratio: 4.55% |
Conventional | 7 | 0.9% | 46.7% | $83,571 | View |
|
1801 Atlantic Avenue, Atlantic City, NJ 08401 A+5.0 ★Texas Ratio: 5.26% |
Conventional | 3 | 0.4% | 100% | $301,666 | View |
|
1 Union Avenue, Cresskill, NJ 07626 A+5.0 ★Texas Ratio: 4.58% |
Conventional | 3 | 0.4% | 100% | $525,000 | View |
|
1 Towne Ctr, Cliffside Park, NJ 07010 A+5.0 ★Texas Ratio: 3.96% |
Conventional | 3 | 0.4% | 75% | $65,000 | View |
|
511 Cookman Ave, Asbury Park, NJ 07712 A+5.0 ★Texas Ratio: 3.46% |
Conventional, HELOC | 2 +3 HELOCs |
0.3% | 40% | $150,000 | View |
|
378 Nj Route 3, Clifton, NJ 07014 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 2 | 0.3% | 66.7% | $475,000 | View |
|
500 Boulevard Of Americas, Lakewood, NJ 08701 A+5.0 ★Texas Ratio: 4.00% |
Conventional | 1 | 0.1% | 100% | $445,000 | View |
Financial Freedom Mortgage, LLC
150 Route 17, East Rutherford, NJ 07073 |
FHA | 1 | 0.1% | 100% | $295,000 | |
|
220 W Union Ave, Bound Brook, NJ 08805 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.1% | 100% | $405,000 | View |
|
990 Cedar Bridge Ave, Brick, NJ 08723 A5.0 ★Texas Ratio: 10.13% |
Conventional | 1 | 0.1% | 100% | $135,000 | |
Northfield Bank
1410 Saint Georges Ave, Avenel, NJ 07001 |
Conventional | 1 | 0.1% | 100% | $95,000 | |
|
100 Metro Blvd, Nutley, NJ 07110 A5.0 ★Texas Ratio: 6.30% |
Conventional | 1 | 0.1% | 100% | $165,000 | View |
|
1000 Highway 36, Atlantic Highlands, NJ 07716 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +10 HELOCs |
0% | n/a | View | |
|
73 Mountainview Blvd, Basking Ridge, NJ 07920 3849 A5.0 ★Texas Ratio: 9.20% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
20 N Main St, Allentown, NJ 08501 A+5.0 ★Texas Ratio: 4.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
66 Hamilton St, Paterson, NJ 07505 2079 A5.0 ★Texas Ratio: 11.88% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Absolute Home Mortgage
|
Conventional, FHA | 37 | 5% | 100% | $491,486 | |
American Neighborhood Mortgage Acceptance Company
|
Conventional, FHA | 15 | 2% | 100% | $459,000 | |
Mld Mortgage, Inc.Dba the Money Store
|
Conventional, FHA | 10 | 1.3% | 93.3% | $660,000 | |
Advisors Mortgage Group, LLC
|
Conventional, FHA | 8 | 1.1% | 80% | $461,250 | |
American Financial Resources LLC
|
FHA, VA | 7 | 0.9% | 100% | $580,714 | |
First Alliance Home Mortgage, LLC
|
Conventional, FHA | 7 | 0.9% | 70% | $585,000 | |
EMM Loans LLC
|
Conventional, FHA | 6 | 0.8% | 100% | $446,666 | |
Bond Street Mortgage, LLC
|
Conventional, FHA | 5 | 0.7% | 100% | $519,000 | |
NJ Lenders Corp
|
Conventional, FHA | 4 | 0.5% | 100% | $560,000 | |
1St 2Nd Mortgage Company of N.J., Inc.
|
Conventional, FHA | 4 | 0.5% | 100% | $465,000 | |
HomeBridge Financial Services, Inc
|
FHA, HELOC | 3 +14 HELOCs |
0.4% | 75% | $535,000 | |
MLB Residential Lending, LLC
|
FHA | 3 | 0.4% | 60% | $571,666 | |
Nation One Mortgage Corporatio
|
Conventional | 2 | 0.3% | 100% | $180,000 | |
Millenium Home Mortgage
|
Conventional | 1 | 0.1% | 100% | $405,000 | |
American Federal Mortgage Corporation
|
FHA | 1 | 0.1% | 100% | $705,000 | |
Weichert Financial Services
|
Conventional | 1 | 0.1% | 33.3% | $865,000 | |
Financial Resources Federal Cr
|
Conventional | 1 | 0.1% | 100% | $505,000 | |
Movement Mortgage, LLC
|
Conventional, FHA, HELOC | 62 +7 HELOCs |
8.3% | 92.7% | $409,354 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, HELOC | 59 +4 HELOCs |
7.9% | 81.6% | $463,135 | |
Paramount Residential Mortgage
|
Conventional, FHA | 52 | 7% | 94.5% | $536,346 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, VA, HELOC | 30 +2 HELOCs |
4% | 93.9% | $519,000 | |
Rocket Mortgage
|
Conventional, FHA, VA | 30 | 4% | 61.5% | $299,000 | |
Nationwide Mortgage Bankers, Inc.
|
Conventional, FHA | 20 | 2.7% | 95.7% | $509,500 | |
Cmg Mortgage Inc
|
Conventional, FHA | 19 | 2.6% | 92.3% | $466,578 | |
loanDepot.com LLC
|
Conventional, FHA | 15 | 2% | 75% | $412,333 | |
|
A+5.0 ★Texas Ratio: 2.15% |
Conventional, FHA | 13 | 1.7% | 100% | $598,846 | View |
Guaranteed Rate, Inc.
|
Conventional, FHA, HELOC | 12 +1 HELOCs |
1.6% | 85.7% | $435,000 | |
New American Funding, LLC.
|
Conventional, FHA, HELOC | 11 +1 HELOCs |
1.5% | 78.6% | $468,636 | |
Pennymac Loan Services LLC
|
Conventional, FHA | 10 | 1.3% | 43.5% | $293,000 | |
Freedom Mortgage Corporation
|
Conventional, FHA | 9 | 1.2% | 55% | $442,777 | |
Spring Eq, LLC
|
Conventional, HELOC | 8 +5 HELOCs |
1.1% | 42.1% | $98,750 | |
Kind Lending, LLC
|
Conventional, FHA, HELOC | 7 +1 HELOCs |
0.9% | 50% | $533,571 | |
Newrez LLC
|
Conventional, FHA, VA | 7 | 0.9% | 33.3% | $579,285 | |
American Financial Network, Inc.
|
Conventional, FHA | 7 | 0.9% | 77.8% | $532,142 | |
First Colony Mortgage Corporat
|
Conventional, FHA | 7 | 0.9% | 100% | $485,000 | |
Nfm, Inc
|
Conventional, FHA | 7 | 0.9% | 100% | $607,857 | |
Nationstar Mortgage
|
Conventional, FHA | 7 | 0.9% | 87.5% | $173,571 | |
Plaza Home Mortgage, Inc
|
Conventional, FHA | 7 | 0.9% | 77.8% | $379,285 | |
Cornerstone First Mortgage, LLC
|
Conventional, FHA | 6 | 0.8% | 100% | $555,000 | |
Norwich Commercial Group Inc
|
FHA | 5 | 0.7% | 100% | $581,000 | |
JMAC Lending, Inc.
|
Conventional, FHA, VA | 5 | 0.7% | 100% | $421,000 | |
The Loan Store, Inc
|
Conventional, HELOC | 4 +3 HELOCs |
0.5% | 100% | $482,500 | |
Panorama Mortgage Group, LLC
|
Conventional, FHA | 4 | 0.5% | 100% | $472,500 | |
Union Home Mortgage Corp.
|
Conventional, FHA | 4 | 0.5% | 80% | $415,000 | |
BoxCar Mortgage, LLC
|
Conventional, FHA | 4 | 0.5% | 66.7% | $550,000 | |
Meadowbrook Financial Mortgage Bankers Corp.
|
Conventional, FHA | 4 | 0.5% | 100% | $465,000 | |
Cake Mortgage Corp.
|
Conventional | 4 | 0.5% | 100% | $397,500 | |
Visions Federal Credit Union
|
Conventional, HELOC | 3 +7 HELOCs |
0.4% | 37.5% | $65,000 | |
Amerisave Mortgage Company
|
Conventional, FHA, HELOC | 3 +1 HELOCs |
0.4% | 25% | $161,666 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 3 | 0.4% | 60% | $415,000 | View |
Equity Prime Mortgage LLC
|
Conventional, FHA | 3 | 0.4% | 50% | $528,333 | |
Guidance Residential, LLC
|
Conventional | 3 | 0.4% | 100% | $501,666 | |
Click n' Close, Inc.
|
Conventional, FHA | 3 | 0.4% | 100% | $395,000 | |
Stg Mortgage Inc
|
Conventional, FHA | 3 | 0.4% | 60% | $525,000 | |
|
A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.4% | 100% | $361,666 | View |
Reliance First Capital, LLC
|
FHA, VA | 3 | 0.4% | 100% | $255,000 | |
Champions Funding, LLC
|
Conventional | 3 | 0.4% | 60% | $521,666 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +3 HELOCs |
0.3% | 33.3% | $215,000 | |
|
A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 2 | 0.3% | 75% | $250,000 | View |
Everett Financial, Inc.
|
Conventional, FHA | 2 | 0.3% | 100% | $610,000 | |
All Credit Considered Mortgage, Inc.
|
Conventional | 2 | 0.3% | 100% | $470,000 | |
Loanunited.Com, LLC
|
FHA | 2 | 0.3% | 100% | $420,000 | |
HomeXpress Mortgage Corp.
|
Conventional | 2 | 0.3% | 50% | $455,000 | |
Success Mortgage Partners, Inc
|
Conventional, FHA | 2 | 0.3% | 100% | $615,000 | |
My Mortgage, Inc
|
Conventional | 2 | 0.3% | 66.7% | $410,000 | |
Reliable Holdings Manager dba Lendz Financial
|
Conventional | 2 | 0.3% | 100% | $365,000 | |
Mortgage Research Center
|
VA | 2 | 0.3% | 22.2% | $355,000 | |
Towne Mortgage Company
|
Conventional | 2 | 0.3% | 100% | $405,000 | |
Better Mortgage Corporation
|
Conventional | 2 | 0.3% | 100% | $225,000 | |
Interstate Home Loan Center, Inc.
|
Conventional, FHA | 2 | 0.3% | 100% | $585,000 | |
ClearEdge Lending LLC
|
Conventional | 2 | 0.3% | 100% | $560,000 | |
|
A+5.0 ★Texas Ratio: 5.55% |
Conventional | 2 | 0.3% | 100% | $540,000 | View |
Carrington Mortgage Services LLC
|
Conventional, FHA | 2 | 0.3% | 23.1% | $365,000 | |
|
C+4.1 ★Texas Ratio: 25.91% |
Conventional | 2 | 0.3% | 100% | $265,000 | View |
Village Capital & Investment
|
FHA | 2 | 0.3% | 85.7% | $410,000 | |
AmWest Funding Corp
|
FHA, HELOC | 1 +1 HELOCs |
0.1% | 50% | $505,000 | |
Semper Home Loans, Inc
|
FHA | 1 | 0.1% | 100% | $465,000 | |
Tidewater Mortgage Services, Inc
|
FHA | 1 | 0.1% | 100% | $285,000 | |
Lyons Mortgage Services, Inc.
|
Conventional | 1 | 0.1% | 100% | $415,000 | |
1St Priority Mortgage, Inc.
|
Conventional | 1 | 0.1% | 100% | $305,000 | |
Goodleap, LLC
|
Conventional | 1 | 0.1% | 100% | $285,000 | |
Brighton Bank
|
FHA | 1 | 0.1% | 100% | $505,000 | |
Allied Mortgage Group, Inc
|
FHA | 1 | 0.1% | 100% | $735,000 | |
AmeriHome Mortgage Company, LLC
|
FHA | 1 | 0.1% | 100% | $525,000 | |
Carnegie Mortgage Partners, LLC
|
Conventional | 1 | 0.1% | 100% | $365,000 | |
|
A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 0.1% | 50% | $285,000 | View |
Sun West Mortgage Company, Inc
|
FHA | 1 | 0.1% | 66.7% | $295,000 | |
Developer's Mortgage Company
|
FHA | 1 | 0.1% | 100% | $435,000 | |
Flexpoint, Inc.
|
Conventional | 1 | 0.1% | 100% | $495,000 | |
East Coast Capital Corp.
|
FHA | 1 | 0.1% | 100% | $625,000 | |
Warshaw Capital, LLC
|
FHA | 1 | 0.1% | 100% | $635,000 | |
UNMB Home Loans Inc
|
Conventional | 1 | 0.1% | 100% | $155,000 | |
Nations Lending Corporation
|
FHA | 1 | 0.1% | 100% | $525,000 | |
Hometown Equity Mortgage, LLC
|
Conventional | 1 | 0.1% | 50% | $505,000 | |
Sierra Pacific Mortgage Co. Inc
|
FHA | 1 | 0.1% | 100% | $575,000 | |
|
★ 5 stars, 1 review A5.0 ★Texas Ratio: 6.43% |
Conventional | 1 | 0.1% | 50% | $295,000 | View |
|
A+5.0 ★Texas Ratio: 2.85% |
FHA | 1 | 0.1% | 100% | $565,000 | View |
Uif Corporation
|
Conventional | 1 | 0.1% | 100% | $625,000 | |
Summit Funding.Inc
|
FHA | 1 | 0.1% | 100% | $265,000 | |
Prosperity Home Mortgage, LLC
|
Conventional | 1 | 0.1% | 100% | $385,000 | |
|
B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.1% | 100% | $465,000 | View |
|
B+4.8 ★Texas Ratio: 16.98% |
FHA | 1 | 0.1% | 33.3% | $635,000 | View |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.1% | 50% | $75,000 | View |
Polish & Slavic Federal Credit
|
Conventional | 1 | 0.1% | 100% | $105,000 | |
Luxury Mortgage Corp.
|
Conventional | 1 | 0.1% | 100% | $305,000 | |
Tomo Mortgage LLC
|
Conventional | 1 | 0.1% | 100% | $405,000 | |
Figure Lending LLC
|
HELOC | 0 +4 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Georgia'S Own Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
B+4.8 ★Texas Ratio: 17.52% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Municipal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | 0% | ||
Gte 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 | |
Fairway Independent Mort Corp
|
HELOC | 0 +1 HELOCs |
0% | 0% | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Daily average mortgage rates for New Jersey compared with the national average, updated every evening.
Looking for mortgage lenders near me or mortgage brokers near me in Paterson? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Paterson in 2025, with lenders based there listed first.
Use these to narrow the list above. Each category shows how many Paterson, NJ lenders fit and what that kind of lender is usually best for.
Independent mortgage companies closed 85.2 percent of home loans in Paterson, New Jersey in 2025, banks 12.7 percent and credit unions 2.2 percent. Financial Freedom Mortgage, LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and North Jersey Federal Credit Union the largest credit union. Among lenders headquartered in New Jersey, Columbia Bank led with 17 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.
Attorneys customarily handle closings in New Jersey. Graduated seller paid realty transfer fee of roughly $2 to $6.05 per $500 (about 0.4 percent to 1.2 percent, higher on sales over $350,000), plus a seller paid mansion tax on homes over $1 million that since July 2025 runs 1 percent from $1 million to $2 million and rises in tiers to 3.5 percent above $3.5 million. No mortgage recording tax.
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Paterson, New Jersey with 21 loans, about 2.8 percent of the market. The largest lender headquartered in New Jersey was Columbia Bank with 17 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Paterson, New Jersey, Paramount Residential Mortgage approved the highest share of completed applications in 2025 at 94.5 percent, against a 76.9 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
74 lenders closed FHA loans in Paterson, New Jersey in 2025, led by United Wholesale Mortgage with 32. 8 lenders closed VA loans, led by United Wholesale Mortgage. 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. 29 banks and 14 credit unions closed home loans in Paterson, New Jersey in 2025, alongside 97 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 Paterson, New Jersey 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 Paterson, New Jersey 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 Paterson. 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.