Current homeowner trends have pointed to a form of strategic default behavior since the economic downturn. With the onslaught of negative equity and a dropped housing market, many borrowers choose to cease payment on their mortgages, when while staying current with non mortgage debts. New lending standards have causes higher credit scores, more income to debt ratios, and more in order to borrow for a home. The following list of mortgage company names are lenders from across the nation that have started to change standards in lending.
Access Funding Inc.
Adam Mortgage
Affinity Credit Union
Alaska USA Mortgage Company
AmCap Home Loans
AmeriCU Mortgage
AmeriPro Funding
Amistad Mortgage
Astra Bank
Bank of Travelers Rest
Better Mortgage
Blue Ridge Bank
Busey Home Mortgage
Caliber Home Loans
Capital Concepts
Castle & Cooke Mortgage LLC
Central State Bank
Cherry Creek Mortgage Company
Churchill Mortgage
Citizens State Bank
Clear Lending
Commonwealth Mortgage
Community Bank
Consumer Mortgage
CORE Lending
Cornerstone Home Lending
Crestmark Mortgage
Direct Mortgage Lenders
Eagle Home Mortgage
Eastman Credit Union
Envoy Mortgage
Expedient Mortgage
Fairway Independent Mortgage
Farmers Bancshares Inc.
First Bankers Trust Company.
First Imperial Mortgage
First Mortgage Company
First National Bank & Trust Co.
First Savings Mortgage
First United Mortgage Group
Flagstone Financial
Fluor Enterprises Inc.
Franklin American Mortgage Company
Frost Mortgage Banking Group
Generation Mortgage Company
Golden Plains Credit Union
Great Western Bank
Guaranteed Rate
Guardian Mortgage
Guild Mortgage
Harbor One Mortgage
Heartland Credit Union
Highlands Residential Mortgage
HIT Mortgage
HomePro Financing
Hometrust Mortgage
Horizon State Bank
Indigo Mortgage
Infiniti Mortgage LLC
Lake Mortgage Company
Legacy Mortgage
Liberty Mortgage
Loan Depot
Lone Star Financing
McCue Mortgage
McQuilling Brokerage Partners
Mid American Mortgage
Mission Mortgage
Mortgage Express Financial Group
Mortgage Viking
Mortgages Direct
Morton Mortgage
Motto Mortgage
Mountain America Credit Union
Network Funding
New American Funding
New Era Mortgage Services
NewCastle Mortgage
Noble Mortgage & Investments
Oceanside Mortgage Company
Penny Mac
Peoples Exchange Bank
Peoples Mortgage
Pinnacle Capital MOrtgage
Premier Bank
Premier Choice Mortgage
Prime Lending
Quest Mortgage
Republic State Mortgage
Riverstone Mortgage
Rocket Mortgage
Rocky Mountain Mortgage Ltd.
Roundpoint Mortgage Company
Secure Mortgage
Security National Mortgage Company
Shelter Mortgage Company
Sierra Pacific Mortgage
Silver Mortgage Funding
Southern First Bank
State Street Bank & Trust Company
Sunrise Mortgage & Investment Company
Superior Mortgage Services LLC
Supreme Lending
Sweetwater Mortgage Company
Texas Loan Star
The Home Equity Network
The Palmetto Bank
The Smith Mortgage Team
Thrive Mortgage
Top One Mortgage Solutions
Towne Mortgage Company
Trident Mortgage
Triumph Lending
Union Plus Mortgage Company
United Bank & Trust Company
Universal American Mortgage Company
Valley Mortgage Company
Vanguard Mortgage
Village Mortgage
Washington Trust Mortgage Company
West Gate Bank
Weststar Mortgage and Escrow
Willow Bend Mortgage Company
Wintrust Mortgage
Wyndham Capital Mortgage
The below infographic captures the current state of the mortgage economy. With a comparison between 2007 and present time, purchasing of the same home now would require a whole new set of requirements to qualify.
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