{ "$schema": "us-banking-atlas/loans/v1", "generated_at": "2026-08-23", "note": "Loan products and consumer credit products, grouped by category. 'providers' lists major US banks that offer the product (or are top lenders). APR ranges are recent public best-rates snapshots.", "products": [ { "category": "Mortgage", "subcategory": "Conventional 30-year fixed", "description": "Standard conforming mortgage up to 2025 limit $806,500 (most counties; $1,209,750 high-cost).", "best_rate_apr_buckets": ["~6.0% in mid-2024", "~6.5-7.0% in 2024-25", "varies by FICO"], "providers": ["JPMorgan Chase Bank, N.A.", "Wells Fargo Bank, N.A.", "Bank of America, N.A.", "Rocket Mortgage (Rocket Loans / Quicken)", "United Wholesale Mortgage", "loanDepot", "Caliber Home Loans", "Pennymac", "PennyMac / Caliber / Rocket, etc.", "CrossCountry Mortgage", "Fairway Independent Mortgage", "NewRez (Shellpoint)", "Guild Mortgage", "Movement Mortgage", "TD Bank, N.A.", "U.S. Bank, N.A.", "PNC Bank, N.A.", "Citizens Bank, N.A.", "Truist Bank", "Fifth Third Bank, N.A.", "Huntington National Bank", "BMO Harris Bank, N.A."], "notes": "Most lenders also offer 15-year, 20-year, 25-year fixed." }, { "category": "Mortgage", "subcategory": "FHA 203(b)", "description": "Government-insured mortgage by Federal Housing Administration; 3.5% min down.", "best_rate_apr_buckets": ["~6.0-7.0% in 2024-25"], "providers": ["Same as conventional + many IMBs", "Rocket Mortgage", "loanDepot", "UWM", "Caliber", "Pennymac", "Guild Mortgage", "Fairway"], "notes": "Upfront + annual MIP; lower credit threshold." }, { "category": "Mortgage", "subcategory": "VA Home Loan", "description": "US Department of Veterans Affairs mortgage; 0% down.", "best_rate_apr_buckets": ["~6.0-7.0%"], "providers": ["Navy Federal Credit Union", "USAA Federal Savings Bank", "VetUnited", "Rocket Mortgage VA", "loanDepot VA", "PenFed", "Navy Federal", "Caliber", "NewRez", "CrossCountry"], "notes": "Requires COE; 0% down for eligible veterans." }, { "category": "Mortgage", "subcategory": "USDA Rural Development", "description": "USDA 0% down loans for rural areas.", "best_rate_apr_buckets": ["~6.0-7.0%"], "providers": ["USDA-approved lenders", "Rocket Mortgage (USDA)", "PennyMac USDA", "Caliber", "NewRez", "Movement Mortgage"], "notes": "Income limits; rural designation required." }, { "category": "Mortgage", "subcategory": "Jumbo mortgage", "description": "Above conforming limits ($806,500+). Non-QM versions go up to $3M+.", "best_rate_apr_buckets": ["~6.5-7.5% in 2024-25"], "providers": ["JPMorgan Chase Bank, N.A.", "Wells Fargo Bank, N.A.", "Bank of America, N.A.", "Citibank, N.A.", "U.S. Bank, N.A.", "Citizens Bank, N.A.", "BMO Harris Bank, N.A.", "First Republic legacy (JPM)", "PNC Bank, N.A.", "Flagstar Bank, N.A."], "notes": "Jumbo rates slightly higher than conforming; tighter credit reqs." }, { "category": "Mortgage", "subcategory": "HELOC (Home Equity Line of Credit)", "description": "Revolving line secured by home equity; variable rate.", "best_rate_apr_buckets": ["~7.5-9.0% in 2024-25"], "providers": ["Bank of America, N.A.", "Wells Fargo Bank, N.A.", "JPMorgan Chase Bank, N.A.", "TD Bank, N.A.", "U.S. Bank, N.A.", "PNC Bank, N.A.", "Citizens Bank, N.A.", "Flagstar Bank, N.A.", "BMO Harris Bank, N.A.", "Fifth Third Bank, N.A.", "Huntington National Bank", "Truist Bank", "Regions Bank", "M&T Bank Corporation", "KeyBank, N.A.", "Huntington", "Discover Bank", "Spring EQ (non-bank)", "Figure (HELOC)"], "notes": "Up to 85% CLTV; rate is prime + margin." }, { "category": "Mortgage", "subcategory": "HELOAN (Home Equity Loan)", "description": "Lump-sum second mortgage with fixed rate.", "best_rate_apr_buckets": ["~7.5-9.0%"], "providers": ["Bank of America, N.A.", "Wells Fargo Bank, N.A.", "Discover Bank", "TD Bank, N.A.", "Citizens Bank, N.A.", "PNC Bank, N.A.", "Truist Bank", "U.S. Bank, N.A.", "Huntington National Bank", "BMO Harris Bank, N.A.", "Citizens Bank", "Flagstar Bank, N.A.", "Spring EQ", "Connexus Credit Union"], "notes": "Disbursed as a single payment; fixed rate." }, { "category": "Mortgage", "subcategory": "Reverse Mortgage (HECM)", "description": "For homeowners 62+; loan against home equity, repaid at end.", "best_rate_apr_buckets": ["~6.0-7.5%"], "providers": ["AAG (American Advisors Group)", "Reverse Mortgage Funding (now HECM)", "Finance of America Reverse", "Longbridge Financial", "Mutual of Omaha (Reverse)", "Rocket Mortgage TPO Reverse"], "notes": "HUD-insured; mandatory counseling required." }, { "category": "Mortgage", "subcategory": "Non-QM (Bank Statement / DSCR)", "description": "Non-qualified mortgages; alt-doc / bank-stmt / DSCR for investors.", "best_rate_apr_buckets": ["~7.5-9.5%"], "providers": ["Angel Oak Mortgage Solutions", "NewRez / Shellpoint", "Verus Mortgage Capital", "Athene Annuity (lender)", "Kiavi (formerly LendingHome)", "PCC (Private Capital Connect)", "Caliber Wholesale", "PRMG"], "notes": "Higher rate for flexibility on income verification." }, { "category": "Auto loan", "subcategory": "New car loan (bank)", "description": "Direct bank auto loans (vs dealer financing).", "best_rate_apr_buckets": ["~5.0-7.5% in 2024-25"], "providers": ["Ally Bank", "Chase Auto", "Capital One Auto Finance", "Wells Fargo Auto", "Bank of America (auto)", "TD Auto Finance", "LightStream (Discover Bank)", "USAA Federal Savings Bank", "PenFed", "Navy Federal Credit Union", "Consumers Cooperative CU", "Digital FCU", "Frost Bank", "Truist Bank", "Citizens Bank", "Fifth Third Bank", "Huntington National Bank", "M&T Bank", "Citizens Bank", "Bank of America (auto dealer services)", "Regions Bank", "KeyBank, N.A.", "BMO Harris Bank, N.A.", "Toyota Financial Savings Bank", "Honda Federal Savings Bank", "Ford Motor Credit Company", "GM Financial", "Stellantis Financial Services", "Hyundai Capital America", "BMW Financial Services", "Mercedes-Benz Financial Services", "VW Credit", "Nissan Motor Acceptance", "Subaru Motors Finance", "Kia Motors Finance", "Mazda Capital Services", "Mitsubishi Motors Credit"], "notes": "Captive financing from auto manufacturers often offers 0-1.99% promo on new cars." }, { "category": "Auto loan", "subcategory": "Used car loan (bank)", "description": "Used car direct bank loans.", "best_rate_apr_buckets": ["~6.0-9.0%"], "providers": ["Ally Bank", "Chase Auto", "Capital One Auto Finance", "Wells Fargo Auto", "TD Auto Finance", "LightStream", "USAA Federal Savings Bank", "PenFed", "Navy Federal Credit Union", "Citizens Bank", "Truist Bank"], "notes": "Used rates higher than new." }, { "category": "Auto loan", "subcategory": "Refinance auto loan", "description": "Refi existing auto loan for lower rate / different term.", "best_rate_apr_buckets": ["~5.0-7.0%"], "providers": ["RefiJet (marketplace)", "Ally Bank (refi)", "Chase Auto", "Capital One Auto Finance", "LightStream", "Caribou (now part of Clearlake Capital)"], "notes": "Pays off existing loan with new one." }, { "category": "Personal loan", "subcategory": "Unsecured personal loan", "description": "Fixed-rate fixed-term personal loan; $1k-$50k typical.", "best_rate_apr_buckets": ["~8.0-12.0% for prime", "subprime 18-36%"], "providers": ["SoFi Personal Loans", "LendingClub", "Marcus by Goldman Sachs", "LightStream", "Discover Personal Loans", "Upstart", "Best Egg", "Prosper (peer-to-peer)", "Avant", "LendingPoint", "OneMain Financial", "Upgrade", "Payoff (now Happy Money)", "Reach Financial", "Figure Personal Loan", "Rocket Loans", "PNC Bank personal loans", "Wells Fargo personal loans", "Citi Personal Loans (legacy)", "Citizens Bank", "TD Bank", "KeyBank, N.A.", "BMO Harris Bank", "Huntington National Bank", "Regions Bank", "Fifth Third Bank", "BBVA USA (now PNC)", "Truist", "PenFed", "Navy Federal Credit Union", "DCU", "SchoolsFirst FCU", "Connexus CU", "America First CU", "BayPort CU"], "notes": "Online lenders typically 2-5% lower than bank personal loans." }, { "category": "Personal loan", "subcategory": "Payday loan (small-dollar)", "description": "Short-term small-dollar loans with high fees; APR 300-700%.", "best_rate_apr_buckets": ["~$15-30 per $100 borrowed over 2 weeks"], "providers": ["ACE Cash Express", "Check 'n Go", "Advance America", "Speedy Cash", "Check Into Cash", "Moneytree", "CashNetUSA (non-bank)", "LendUp (defunct)", "World Finance", "Regional payday lenders"], "notes": "16-20 states have banned or heavily restricted; legal under CFPB small-dollar rule." }, { "category": "Personal loan", "subcategory": "BNPL (Buy Now Pay Later)", "description": "Split purchase into 4 installments; 0% if on-time.", "best_rate_apr_buckets": ["0% if on-time", "late fees typically $7-$25"], "providers": ["Klarna", "Affirm", "Afterpay (Block)", "Sezzle", "Zip Co", "PayPal Pay in 4", "Amazon Pay Later (Affirm under the hood)", "Apple Pay Later (defunct, replaced by Klarna/ Affirm)", "Cash App Afterpay"], "notes": "BNPL regulatory scrutiny ongoing; CFPB has oversight." }, { "category": "Student loan", "subcategory": "Federal Direct Loan", "description": "Department of Education federal student loans (subsidized, unsubsidized, PLUS).", "best_rate_apr_buckets": ["Undergrad: 5.50% (24-25 AY)", "Grad: 7.05%", "PLUS: 8.05%"], "providers": ["US Department of Education (Direct)"], "notes": "FAFSA; school-based disbursement." }, { "category": "Student loan", "subcategory": "Private student loan", "description": "Non-federal loans for college / graduate / MBA / law / medical.", "best_rate_apr_buckets": ["~5.0-12.0% (variable and fixed)"], "providers": ["Sallie Mae Bank", "SoFi Student Loans", "College Ave", "Earnest (legacy, now part of Navient)", "Discover Student Loans", "Citizens Bank Student Loans", "PNC Bank Student Loans", "Wells Fargo Student Loans (closed new originations 2024)", "Navy Federal Credit Union", "PenFed", "LendKey (marketplace)"], "notes": "Cosigner often required; death/disability discharge may vary." }, { "category": "Student loan", "subcategory": "Student loan refi", "description": "Refinance existing federal/private loans to lower rate.", "best_rate_apr_buckets": ["~4.5-9.0%"], "providers": ["SoFi Refi", "Sallie Mae Refi", "Earnest (legacy)", "LendKey (marketplace)", "Citizens Bank", "College Ave Refi", "PenFed", "Navy Federal Credit Union", "Elfi (now SoFi)", "CommonBond (now SoFi)", "Laurel Road (now KeyBank refi)", "Purefy", "Credible (marketplace)"], "notes": "Refi federal = private = lose IDR/PSLF." }, { "category": "Credit-builder loan", "subcategory": "Secured personal credit-builder loan", "description": "Small loan held in CD; released upon completion.", "best_rate_apr_buckets": ["~3-10% APR"], "providers": ["Self Financial", "Mission Lane (Mission Money)", "MoneyLion", "CreditStrong (Austin Capital Bank)", "Kikoff", "SeedFi (now Possible Finance)"], "notes": "Reports on-time payments to all 3 bureaus." }, { "category": "Small business loan", "subcategory": "SBA 7(a) loan", "description": "SBA-backed term loan up to $5M; up to 25-year term.", "best_rate_apr_buckets": ["Prime + 2.25% to 4.75% (SBA max)"], "providers": ["Live Oak Bank (top SBA 7(a) lender)", "Newtek Small Business Finance", "Citizens Bank SBA", "Wells Fargo SBA", "Chase SBA", "Bank of America SBA", "TD Bank SBA", "Huntington SBA", "Truist SBA", "BMO Harris SBA", "KeyBank SBA", "PNC SBA", "U.S. Bank SBA", "Santander SBA", "Byline Bank (Chicago, top SBA)", "Ready Capital (RE)"], "notes": "SBA guarantees 75-90% of loan." }, { "category": "Small business loan", "subcategory": "SBA 504 loan", "description": "Long-term fixed-rate financing for major fixed assets (real estate, equipment).", "best_rate_apr_buckets": ["~5-6% fixed, 10/20/25 year term"], "providers": ["Certified Development Companies (CDCs)", "Commerce Bank SBA", "Wells Fargo SBA", "Chase SBA", "TD Bank SBA"], "notes": "10% down from borrower; 50% bank + 40% CDC." }, { "category": "Small business loan", "subcategory": "SBA Microloan", "description": "Loans up to $50,000; technical assistance included.", "best_rate_apr_buckets": ["~8-13%"], "providers": ["Intermediary lenders (SBA-approved)"], "notes": "Microloan intermediaries: Grameen America, LiftFund, etc." }, { "category": "Small business loan", "subcategory": "SBA Express", "description": "Up to $500,000; 50% SBA guarantee; fast turnaround.", "best_rate_apr_buckets": ["Prime + 4.5% to 6.5%"], "providers": ["Wells Fargo SBA Express", "Chase SBA Express", "Bank of America SBA", "TD Bank SBA", "Citizens Bank SBA", "Truist SBA", "BMO Harris SBA", "Huntington SBA", "KeyBank SBA", "PNC SBA", "U.S. Bank SBA", "Santander SBA"], "notes": "Faster than standard 7(a); smaller cap." }, { "category": "Small business loan", "subcategory": "Business line of credit", "description": "Revolving LOC for working capital; $10k-$500k typical.", "best_rate_apr_buckets": ["Prime + 1.0% to 7.0%"], "providers": ["BlueVine", "Fundbox", "OnDeck Capital (now Enova)", "Kabbage (now Amex)", "American Express Business Blueprint", "Brex Business Credit", "Ramp", "Mercury", "JPMorgan Chase Business", "Wells Fargo Business", "Bank of America Business", "Citi Business", "PNC Bank Business", "TD Bank Business", "U.S. Bank Business", "Truist Business", "Citizens Bank Business", "BMO Harris Business", "KeyBank Business", "Huntington Business", "Capital One Business"], "notes": "Online lenders offer daily/weekly underwriting." }, { "category": "Small business loan", "subcategory": "Term loan (online fintech)", "description": "Short-medium term loans $5k-$500k from fintechs.", "best_rate_apr_buckets": ["10-30% APR typical"], "providers": ["OnDeck", "BlueVine", "Fundbox", "Kabbage (Amex)", "Lendio (marketplace)", "Funding Circle", "StreetShares", "Credibly", "Biz2Credit", "Kapitus", "Headway Capital", "QuarterSpot", "Libertas Funding"], "notes": "Origination fee 1-5% typical; weekly repayment." }, { "category": "Small business loan", "subcategory": "Invoice factoring / financing", "description": "Sell invoices to factor at discount; receivables-backed.", "best_rate_apr_buckets": ["1-5% per 30 days"], "providers": ["BlueVine", "Fundbox", "altLine (SBC)", "FundThrough", "Taulia", "C2FO", "Resolve", "Behalf (now OnDeck)", "Crest Capital"], "notes": "Not a loan technically; receivables sale." }, { "category": "Small business loan", "subcategory": "Merchant cash advance", "description": "Lump-sum against future credit card sales; factor-rate repaid daily.", "best_rate_apr_buckets": ["Effective APR often 40-200%"], "providers": ["CanCapital", "National Funding", "Rapid Finance", "Forward Financing", "Yes Trillion (vintages)", "Pearl Capital", "Fundworks", "Many fintechs / ISOs"], "notes": "High-cost; controversial." }, { "category": "Credit products", "subcategory": "Money market deposit account (MMA)", "description": "High-yield savings with check-writing and debit.", "best_rate_apr_buckets": ["~4-5% APY in 2024", "varies with Fed"], "providers": ["Ally Bank (no min)", "Marcus by Goldman Sachs", "Capital One Performance Savings", "Discover Bank", "American Express National Bank", "Synchrony Bank", "Citi Double Cash / Citi Accelerate (legacy)", "Fidelity Cash Reserves (Fidelity)", "Vanguard Federal Money Market (VMSXX)", "Charles Schwab Bank (SWVXX)", "Robinhood Cash", "SoFi Money", "BMO Alto (defunct)", "TIAA Bank / TIAA Direct (legacy)", "BOK Financial", "Pinnacle Financial Partners", "First National Bank of Omaha", "Citizens Bank, N.A."], "notes": "FDIC-insured; no lockup; check-write optional." }, { "category": "Credit products", "subcategory": "High-yield savings (HYS)", "description": "Online HYS with rates 10-15x national avg.", "best_rate_apr_buckets": ["~4-5% APY 2024"], "providers": ["Ally Bank", "Marcus by Goldman Sachs", "Capital One Performance Savings", "Discover Bank", "American Express National Bank", "Synchrony Bank", "Citi Accelerate (legacy)", "SoFi Money", "Wealthfront Cash", "Betterment Cash Reserve", "Varo Savings", "Chime Savings", "Current Personal Savings", "Axos Bank", "LendingClub Bank", "Alliant Credit Union (Savings)", "Connexus Credit Union", "America First Credit Union", "DCU (Digital FCU)", "Bellco Credit Union"], "notes": "FDIC/NCUA; rate floats with Fed funds." }, { "category": "Credit products", "subcategory": "Certificate of Deposit (CD)", "description": "Fixed-term fixed-rate time deposit.", "best_rate_apr_buckets": ["3mo ~4.5%; 12mo ~4.5%; 5yr ~4.0%"], "providers": ["Ally Bank", "Marcus by Goldman Sachs", "Discover Bank", "Capital One", "Synchrony Bank", "American Express National Bank", "BMO Alto (defunct)", "Sallie Mae Bank (smartyPig CDs)", "Citizens Bank", "Discover Bank", "Quontic Bank", "First Internet Bank", "Alliant Credit Union", "Navy Federal Credit Union", "PenFed", "SchoolsFirst FCU", "Connexus CU"], "notes": "Early withdrawal penalty." }, { "category": "Credit products", "subcategory": "Brokered CD (via brokerage)", "description": "CDs purchased through brokerages (FDIC-insured).", "best_rate_apr_buckets": ["variable; often best rates 1-5y"], "providers": ["Fidelity Investments", "Charles Schwab", "Vanguard Brokerage", "E*TRADE (now Morgan Stanley)", "Interactive Brokers (IBKR)", "Robinhood", "Webull", "Moomoo"], "notes": "Brokerage holds multiple banks' CDs." }, { "category": "Credit products", "subcategory": "Treasury / Government MMF (T-bill ladder)", "description": "Money market fund in T-bills; govt-only money fund.", "best_rate_apr_buckets": ["~5% 7-day yield 2024"], "providers": ["Vanguard Federal Money Market (VMFXX)", "Fidelity Government Cash Reserves (FDRXX)", "Schwab Value Advantage Money Fund (SWVXX)", "JPMorgan Prime Money Market Fund (VPMXX)", "Goldman Sachs Government MMF (GSOXX)", "BlackRock Government Money Market (TGMXX)", "T. Rowe Price Government Money Fund (PRRXX)"], "notes": "Not FDIC-insured; SIPIC / NAV-stabilized." }, { "category": "Investment / wealth", "subcategory": "Self-directed brokerage", "description": "Stock/ETF/options/mutual fund trading platform.", "best_rate_apr_buckets": ["0 commission on US stocks/ETFs"], "providers": ["Charles Schwab", "Fidelity Investments", "TD Ameritrade (now Charles Schwab)", "E*TRADE (Morgan Stanley)", "Robinhood", "Webull", "Interactive Brokers", "Moomoo", "Firstrade", "TradeStation", "Tastytrade (now div of IG)", "Public.com", "Ally Invest", "E*TRADE", "Vanguard Brokerage", "JPMorgan Self-Directed Investing", "Bank of America Merrill Edge", "Wells Fargo Premier Investment", "Goldman Sachs Marcus Invest", "SoFi Invest", "Stash", "Acorns", "Wealthfront", "Betterment", "M1 Finance"], "notes": "Most offer 0-commission on stocks/ETFs." }, { "category": "Investment / wealth", "subcategory": "Robo-advisor", "description": "Automated portfolio management.", "best_rate_apr_buckets": ["0.25-0.50% AUM fee typical"], "providers": ["Wealthfront", "Betterment", "M1 Finance Plus", "Schwab Intelligent Portfolios", "Fidelity Go", "Vanguard Personal Advisor Services", "E*TRADE Core", "Marcus Invest (Goldman)", "SoFi Invest", "Ally Invest (managed)", "Stash (managed)", "Ellevest", "Titan", "Greenlight", "Firstrade (no advisory)", "USAA Financial Planning"], "notes": "0.25% Weatlhfront/Betterment; Schwab Intelligent = 0." }, { "category": "Investment / wealth", "subcategory": "HSA (Health Savings Account)", "description": "Triple-tax-advantaged medical savings for HDHP enrollees.", "best_rate_apr_buckets": ["0.5-4% interest; invest options vary"], "providers": ["Optum Bank, Inc. (HSA) — largest HSA custodian", "Lively (modern HSA platform)", "Fidelity HSA (no fees)", "HSA Bank (Webster Financial sub)", "Further (acquired by someone, formerly HealthEquity competitor)", "HealthEquity", "Benefit Wallet", "Bank of America HSA (legacy)", "Vanguard HSA (through partner)"], "notes": "Triple tax advantaged; contribution limit $4,150 single / $8,300 family 2024." }, { "category": "Investment / wealth", "subcategory": "Retirement / IRA", "description": "Traditional and Roth IRA, SEP, SIMPLE.", "best_rate_apr_buckets": ["Vanguard/Fidelity/Schwab: 0.05-0.30% expense ratio"], "providers": ["Vanguard", "Fidelity Investments", "Charles Schwab", "T. Rowe Price", "American Funds (Capital Group)", "BlackRock", "E*TRADE", "TD Ameritrade", "Merrill Lynch (BofA)", "Edward Jones", "Ameriprise", "Raymond James", "LPL Financial", "USAA Investments (Schwab now)", "Goldman Sachs Personal Financial Mgmt", "Morgan Stanley", "JPMorgan Securities", "Bank of America Private Bank", "Wells Fargo Wealth Mgmt", "U.S. Bank Wealth Mgmt", "PNC Wealth Mgmt", "BNY Mellon Wealth Mgmt", "Northern Trust Wealth"], "notes": "$7,000 / $8,000 catch-up 2024 IRA limit." }, { "category": "Investment / wealth", "subcategory": "529 college savings", "description": "State-sponsored tax-advantaged education savings.", "best_rate_apr_buckets": ["Varies by state; many direct-sold plans"], "providers": ["529 plans by state (Bright Start, CollegeAdvantage, etc.)", "BlackRock 529", "Vanguard 529 (NV plan)", "Fidelity 529 (NH plan)", "Schwab 529 (AZ plan)", "T. Rowe Price 529", "NY529 / College Savings Plans Network", "U.Fund (MA)", "Michigan Education Savings Program", "Utah Educational Savings Plan (my529)", "California ScholarShare", "New York 529", "Florida 529 Savings", "Virginia529"], "notes": "State tax deduction varies; can be used in any state." } ] }