Germantown, Tennessee mortgage lenders include Pinnacle BankPinnacle Bank1264 S Germantown Rd, Germantown, TN 38138A+5.0 ★Texas Ratio: 3.04%, First Horizon BankFirst Horizon Bank2055 S Houston Levee Rd, Germantown, TN 38139A+5.0 ★Texas Ratio: 5.76%, Regions BankRegions Bank1284 S Germantown Rd, Germantown, TN 38138A+5.0 ★Texas Ratio: 4.37%, Trustmark BankTrustmark Bank1405 S Germantown Rd, Germantown, TN 38138A+5.0 ★Texas Ratio: 2.40%, Paragon BankParagon Bank7600 Poplar Ave, Germantown, TN 38138A+5.0 ★Texas Ratio: 3.21%, Simmons BankSimmons Bank7550 W Farmington Blvd, Germantown, TN 38138A+5.0 ★Texas Ratio: 5.33%, Renasant BankRenasant Bank2177 S Germantown Rd, Germantown, TN 38138A+5.0 ★Texas Ratio: 4.72%, Bank of America NABank of America NA7665 Poplar Ave, Germantown, TN 38138A+5.0 ★Texas Ratio: 4.14%, Bank of BartlettBank of Bartlett1870 Kirby Pkwy, Germantown, TN 38138A-4.9 ★Texas Ratio: 16.60%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA7708 Poplar Ave, Germantown, TN 38138A+5.0 ★Texas Ratio: 3.68%. 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 Germantown, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Germantown are listed first, then lenders elsewhere in Tennessee, 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 Germantown, Tennessee. 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 Germantown 1264 S Germantown Rd, Germantown, TN 38138 A+5.0 ★Texas Ratio: 3.04% |
Conventional, Jumbo, HELOC | 48 +17 HELOCs |
6.9% | 96% | $514,166 | View |
|
★ 5 stars, 1 review 6 offices in Germantown 2055 S Houston Levee Rd, Germantown, TN 38139 A+5.0 ★Texas Ratio: 5.76% |
Conventional, FHA, Jumbo, HELOC | 27 +48 HELOCs |
3.9% | 96.4% | $417,222 | View |
|
2 offices in Germantown 1284 S Germantown Rd, Germantown, TN 38138 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 19 +32 HELOCs |
2.7% | 86.2% | $216,578 | View |
|
1 office in Germantown 1405 S Germantown Rd, Germantown, TN 38138 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, HELOC | 13 +9 HELOCs |
1.9% | 86.7% | $401,153 | View |
|
1 office in Germantown 7600 Poplar Ave, Germantown, TN 38138 A+5.0 ★Texas Ratio: 3.21% |
Conventional, Jumbo | 11 | 1.6% | 100% | $708,636 | View |
|
1 office in Germantown 7550 W Farmington Blvd, Germantown, TN 38138 A+5.0 ★Texas Ratio: 5.33% |
Conventional, HELOC | 8 +8 HELOCs |
1.1% | 88.9% | $500,000 | View |
|
1 office in Germantown 2177 S Germantown Rd, Germantown, TN 38138 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, HELOC | 8 +4 HELOCs |
1.1% | 100% | $383,750 | View |
|
1 office in Germantown 7665 Poplar Ave, Germantown, TN 38138 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 7 +16 HELOCs |
1% | 100% | $456,428 | View |
|
1 office in Germantown 1870 Kirby Pkwy, Germantown, TN 38138 A-4.9 ★Texas Ratio: 16.60% |
Conventional, HELOC | 5 +21 HELOCs |
0.7% | 62.5% | $369,000 | View |
|
1 office in Germantown 7708 Poplar Ave, Germantown, TN 38138 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 5 | 0.7% | 71.4% | $665,000 | View |
|
★ 1 stars, 1 review 1 office in Germantown 7770 Poplar Ave, Germantown, TN 38138 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +12 HELOCs |
0.1% | 50% | $165,000 | View |
Community Mortgage Corporation
1007 Us Highway 45 N, Henderson, TN 38340 |
Conventional, FHA, VA, Jumbo | 62 | 8.9% | 96.9% | $468,387 | |
|
7845 US Highway 64, Bartlett, TN 38133 4007 A+5.0 ★Texas Ratio: 2.54% |
Conventional, FHA, Jumbo | 24 | 3.4% | 100% | $445,833 | View |
|
5340 Airline Rd, Arlington, TN 38002 A5.0 ★Texas Ratio: 9.21% |
Conventional, FHA, VA, Jumbo | 23 | 3.3% | 100% | $445,434 | View |
|
1715 Aaron Brenner Dr, Memphis, TN 38120 A+5.0 ★Texas Ratio: 0.53% |
Conventional, VA, Jumbo | 22 | 3.1% | 100% | $592,272 | View |
|
79 Stonebridge Blvd Ste A, Jackson, TN 38305 A+5.0 ★Texas Ratio: 0.99% |
Conventional | 17 | 2.4% | 85% | $224,411 | View |
|
1870 Kirby Pkwy, Germantown, TN 38138 A-4.9 ★Texas Ratio: 16.60% |
Conventional, FHA | 11 | 1.6% | 92.3% | $486,818 | View |
|
5530 Airline Rd, Arlington, TN 38002 A+5.0 ★Texas Ratio: 4.77% |
Conventional, VA, HELOC | 10 +7 HELOCs |
1.4% | 100% | $436,000 | View |
Evolve Bank & Trust
6000 Poplar Ave, Memphis, TN 38119 |
Conventional, FHA, VA | 10 | 1.4% | 100% | $376,000 | |
|
11624 Highway 51 S, Atoka, TN 38004 A+5.0 ★Texas Ratio: 0.35% |
Conventional, FHA, HELOC | 8 +19 HELOCs |
1.1% | 100% | $413,750 | View |
|
429 Walker Rd, Jackson, TN 38305 A+5.0 ★Texas Ratio: 0.42% |
Conventional | 8 | 1.1% | 90% | $333,750 | View |
|
7635 Poplar Ave, Germantown, TN 38138 A5.0 ★Texas Ratio: 10.91% |
Conventional, VA | 6 | 0.9% | 85.7% | $366,666 | View |
|
5751 Stage Rd, Bartlett, TN 38134 4515 A+5.0 ★Texas Ratio: 2.01% |
Conventional | 5 | 0.7% | 100% | $135,000 | View |
|
50 Fed Ex Pkwy, Collierville, TN 38017 8711 A+5.0 ★Texas Ratio: 3.13% |
Conventional, HELOC | 4 +7 HELOCs |
0.6% | 80% | $155,000 | View |
|
7663 Highway 51 S, Brighton, TN 38011 A+5.0 ★Texas Ratio: 0.40% |
Conventional, VA | 4 | 0.6% | 100% | $467,500 | View |
|
929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 3 +8 HELOCs |
0.4% | 75% | $455,000 | View |
|
2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
Conventional | 3 | 0.4% | 100% | $538,333 | View |
|
1661 Aaron Brenner Dr, Memphis, TN 38120 A+5.0 ★Texas Ratio: 0.03% |
Conventional | 3 | 0.4% | 100% | $528,333 | View |
|
9059 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 3 | 0.4% | 100% | $311,666 | View |
|
51 Germantown Ct, Cordova, TN 38018 A-5.0 ★Texas Ratio: 14.15% |
Conventional | 2 | 0.3% | 66.7% | $295,000 | View |
|
6815 Poplar Ave, Germantown, TN 38138 A5.0 ★Texas Ratio: 7.51% |
Conventional | 2 | 0.3% | 100% | $395,000 | View |
|
5000 Maryland Way, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $315,000 | View |
|
★ 1.7 stars, 3 reviews 4216 Century Farms Ter, Antioch, TN 37013 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $635,000 | View |
|
5384 Poplar Avenue, Memphis, TN 38119 A5.0 ★Texas Ratio: 8.75% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $185,000 | View |
|
154 E Main St, Adamsville, TN 38310 A5.0 ★Texas Ratio: 10.25% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
|
306 Brush Creek Rd, Alexandria, TN 37012 A+5.0 ★Texas Ratio: 4.75% |
Conventional | 1 | 0.1% | 100% | $545,000 | View |
|
782 Old Hickory Blvd, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.35% |
Conventional | 1 | 0.1% | 100% | $425,000 | View |
|
101 Creekside Xing, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Mortgage Investors Group
|
Conventional, Jumbo | 23 | 3.3% | 100% | $458,913 | |
Churchill Mortgage Corporation
|
Conventional | 1 | 0.1% | 100% | $465,000 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 1 | 0.1% | 100% | $355,000 | |
|
A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA, VA, Jumbo | 57 | 8.1% | 84.3% | $313,421 | View |
Cadence Bank
|
Conventional, Jumbo, HELOC | 29 +20 HELOCs |
4.1% | 93.9% | $510,517 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 24 | 3.4% | 86.2% | $442,500 | |
Provident Funding Associates
|
Conventional | 14 | 2% | 100% | $481,428 | |
Nationstar Mortgage
|
Conventional | 11 | 1.6% | 91.7% | $154,090 | |
Pennymac Loan Services LLC
|
Conventional, FHA, VA, Jumbo | 10 | 1.4% | 75% | $547,000 | |
Everett Financial, Inc.
|
Conventional, FHA | 6 | 0.9% | 100% | $348,333 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 5 +6 HELOCs |
0.7% | 83.3% | $253,000 | |
PHH Mortgage Corporation
|
Conventional, FHA, VA | 5 | 0.7% | 100% | $435,000 | |
|
A+5.0 ★Texas Ratio: 5.44% |
Conventional, FHA, HELOC | 4 +4 HELOCs |
0.6% | 100% | $335,000 | View |
Better Mortgage Corporation
|
Conventional, FHA, Jumbo, HELOC | 4 +1 HELOCs |
0.6% | 100% | $610,000 | |
Cornerstone First Mortgage, LLC
|
Conventional, FHA | 4 | 0.6% | 100% | $360,000 | |
Freedom Mortgage Corporation
|
FHA, VA | 4 | 0.6% | 83.3% | $457,500 | |
Sage Home Loans Corporation
|
Conventional, VA | 4 | 0.6% | 100% | $332,500 | |
Union Home Mortgage Corp.
|
Conventional, VA | 4 | 0.6% | 100% | $465,000 | |
Mortgage Research Center
|
VA | 4 | 0.6% | 50% | $347,500 | |
New American Funding, LLC.
|
Conventional | 4 | 0.6% | 100% | $472,500 | |
|
A+5.0 ★Texas Ratio: 1.39% |
Conventional, Jumbo | 4 | 0.6% | 100% | $525,000 | View |
Carrington Mortgage Services LLC
|
Conventional, FHA, VA | 4 | 0.6% | 100% | $245,000 | |
Spring Eq, LLC
|
Conventional | 4 | 0.6% | 85.7% | $110,000 | |
Newrez LLC
|
Conventional, FHA | 3 | 0.4% | 50% | $315,000 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA | 3 | 0.4% | 100% | $345,000 | |
loanDepot.com LLC
|
Conventional, FHA | 3 | 0.4% | 100% | $201,666 | |
Amerisave Mortgage Company
|
Conventional, FHA | 3 | 0.4% | 50% | $231,666 | |
SIRVA Mortgage, Inc.
|
Conventional | 3 | 0.4% | 100% | $461,666 | |
|
A-4.8 ★Texas Ratio: 12.33% |
Conventional | 3 | 0.4% | 100% | $445,000 | View |
First Citizens National Bank
|
Conventional, VA, HELOC | 2 +3 HELOCs |
0.3% | 100% | $605,000 | |
Guaranteed Rate, Inc.
|
Conventional, VA | 2 | 0.3% | 100% | $555,000 | |
Go Mortgage, LLC
|
Conventional, VA | 2 | 0.3% | 100% | $355,000 | |
Loanunited.Com, LLC
|
FHA | 2 | 0.3% | 100% | $365,000 | |
American Financial Network, Inc.
|
FHA, VA | 2 | 0.3% | 100% | $430,000 | |
New Day Financial, LLC.
|
VA | 2 | 0.3% | 66.7% | $395,000 | |
|
A+5.0 ★Texas Ratio: 1.10% |
Conventional, FHA | 2 | 0.3% | 100% | $450,000 | View |
Wolfe Financial Inc
|
Conventional, FHA | 2 | 0.3% | 100% | $450,000 | |
|
A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 2 | 0.3% | 100% | $1,360,000 | View |
Prosperity Home Mortgage, LLC
|
Conventional | 2 | 0.3% | 100% | $485,000 | |
Reliance First Capital, LLC
|
Conventional, FHA | 2 | 0.3% | 100% | $310,000 | |
|
A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +4 HELOCs |
0.1% | 100% | $225,000 | View |
Cmg Mortgage Inc
|
VA, HELOC | 1 +1 HELOCs |
0.1% | 100% | $445,000 | |
Wings Financial Credit Union
|
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $345,000 | |
|
A5.0 ★Texas Ratio: 6.45% |
Conventional | 1 | 0.1% | 100% | $345,000 | View |
Guaranteed Rate Affinity, LLC
|
VA | 1 | 0.1% | 100% | $445,000 | |
Primelending
|
Conventional | 1 | 0.1% | 100% | $425,000 | |
Primary Residential Mortgage, INC.
|
Conventional | 1 | 0.1% | 100% | $205,000 | |
|
A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 0.1% | 100% | $805,000 | View |
|
A-4.9 ★Texas Ratio: 16.48% |
VA | 1 | 0.1% | 100% | $305,000 | View |
Kind Lending, LLC
|
Conventional | 1 | 0.1% | 100% | $675,000 | |
|
A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.1% | 100% | $335,000 | View |
|
D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.1% | 100% | $445,000 | View |
AmeriHome Mortgage Company, LLC
|
FHA | 1 | 0.1% | 100% | $375,000 | |
Movement Mortgage, LLC
|
Conventional | 1 | 0.1% | 100% | $475,000 | |
|
A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.1% | 100% | $805,000 | View |
Filo Mortgage, LLC
|
Conventional | 1 | 0.1% | 100% | $405,000 | |
Deephaven Mortgage LLC
|
Conventional | 1 | 0.1% | 100% | $565,000 | |
Guild Mortgage Company
|
Conventional | 1 | 0.1% | 100% | $515,000 | |
General Mortgage Capital Corporation
|
Conventional | 1 | 0.1% | 100% | $225,000 | |
|
A5.0 ★Texas Ratio: 12.03% |
FHA | 1 | 0.1% | 100% | $455,000 | View |
Eustis Mortgage Corp
|
FHA | 1 | 0.1% | 100% | $355,000 | |
FirstTrust Home Loans
|
VA | 1 | 0.1% | 100% | $375,000 | |
Discover Bank
|
Conventional | 1 | 0.1% | 20% | $45,000 | |
Sun West Mortgage Company, Inc
|
Conventional | 1 | 0.1% | 100% | $345,000 | |
Mortgage Financial Services
|
Conventional | 1 | 0.1% | 100% | $475,000 | |
|
A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.1% | 100% | $665,000 | View |
|
A+5.0 ★Texas Ratio: 4.86% |
Conventional | 1 | 0.1% | 100% | $395,000 | View |
T2 Financial LLC
|
VA | 1 | 0.1% | 100% | $435,000 | |
Lendsure Mortgage Corp.
|
Conventional | 1 | 0.1% | 100% | $355,000 | |
Towne Mortgage Company
|
FHA | 1 | 0.1% | 100% | $345,000 | |
|
A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.1% | 100% | $655,000 | View |
Mutual of Omaha Mortgage
|
VA | 1 | 0.1% | 50% | $435,000 | |
The Loan Store, Inc
|
Conventional | 1 | 0.1% | 100% | $155,000 | |
Lower, LLC
|
FHA | 1 | 0.1% | 100% | $365,000 | |
|
A+5.0 ★Texas Ratio: 5.67% |
Conventional | 1 | 0.1% | 100% | $355,000 | View |
|
A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.1% | 100% | $465,000 | View |
|
B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.1% | 100% | $445,000 | View |
|
A+5.0 ★Texas Ratio: 0.51% |
FHA | 1 | 0.1% | 50% | $365,000 | View |
Angel Oak Mortgage Solutions LLC
|
Conventional | 1 | 0.1% | 50% | $515,000 | |
Texana Bank
|
Conventional | 1 | 0.1% | 100% | $255,000 | |
Tomo Mortgage LLC
|
Conventional | 1 | 0.1% | 100% | $445,000 | |
American Neighborhood Mortgage Acceptance Company
|
VA | 1 | 0.1% | 100% | $515,000 | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
|
HELOC | 0 +4 HELOCs |
0% | 0% | ||
Figure Lending LLC
|
HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
All In Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Redstone Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 4.80% |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
|
A+5.0 ★Texas Ratio: 0.68% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Daily average mortgage rates for Tennessee compared with the national average, updated every evening.
Looking for mortgage lenders near me or mortgage brokers near me in Germantown? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Germantown in 2025, with lenders based there listed first.
Use these to narrow the list above. Each category shows how many Germantown, TN lenders fit and what that kind of lender is usually best for.
Independent mortgage companies closed 43.9 percent of home loans in Germantown, Tennessee in 2025, banks 47.9 percent and credit unions 8.3 percent. Community Mortgage Corporation was the largest mortgage company, Pinnacle Bank the largest bank and Orion Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, Pinnacle Bank led with 48 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 Tennessee. State realty transfer tax of $0.37 per $100 of consideration (0.37 percent) plus a mortgage recordation tax of $0.115 per $100 of indebtedness above the first $2,000 (Tenn. Code 67-4-409).
By home loans closed in 2025, Pinnacle Bank was the largest mortgage lender in Germantown, Tennessee with 48 loans, about 6.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Germantown, Tennessee, Community Mortgage Corporation approved the highest share of completed applications in 2025 at 96.9 percent, against a 91.1 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.
35 lenders closed FHA loans in Germantown, Tennessee in 2025, led by Rocket Mortgage with 7. 30 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. 56 banks and 13 credit unions closed home loans in Germantown, Tennessee in 2025, alongside 60 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 Germantown, Tennessee 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 Germantown, Tennessee 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 Germantown. 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.