Preferredratecom -

| Feature | PreferredRatecom | Credible | LendingTree | Credit Karma | | :--- | :--- | :--- | :--- | :--- | | | Yes | Yes | Yes | Yes | | Focus on Bad Credit | High | Medium | Medium | Low (focuses on good credit) | | Lender Network Size | Large (Subprime focus) | Medium (Prime focus) | Very Large | Small (Curated partners) | | User Contact Volume | High (Expect calls) | Medium (More email) | Very High | Low | | Best For | Fair/Poor credit | Good/Excellent credit | All credit types | Monitoring + offers |

Founded on a culture of collaboration and customer service, Preferred Rate features a unique 49% employee ownership structure through its Employee Stock Ownership Plan (ESOP). Partnered with American Portfolio Mortgage (APM), the company combines the broad capabilities of a national financial institution with the personalized flexibility of local lending teams. preferredratecom

: Accessible options including FHA loans for lower down payments and credit flexibilities, VA loans for military families, and USDA loans for rural home purchases. | Feature | PreferredRatecom | Credible | LendingTree

: Designed with more flexible credit score requirements and down payments as low as 3.5%. : Designed with more flexible credit score requirements