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Used Mercury SUVs for sale near El Paso, TX

Filters 4 Year Model Price & payment Make Mileage Body style Ext. color All filters
91 matches All miles from 79996
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Est. $400 /mo*
Down Payment
$0
Net trade-in value
$0
Months
72
APR
7.0%
Sales tax
0.0%

Vehicle information

Ext. color: Sangria Red Metallic
Int. color: Black
Drivetrain: Four-wheel Drive
MPG: 18-23
Fuel type: E85 Flex Fuel
Transmission: 6-Speed Automatic
Engine: Duratec 3L V-6 DOHC, variable valve control, engine with 240HP
Stock #: J07826
VIN: 4M2CN9HG5BKJ07826

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: CD Player, Premium Sound System, Satellite Radio, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack
Safety: Stability Control
Seating: Leather Seats

Reviews

Vaughn Automotive review

I came to you facility because you were close and

I came to you facility because you were close and excepted my GM warranty. Your staff was great. They very accommodating with me and my service dog. The work was done and in a timely manner.

2011 Mercury Mariner Premier review

Excellent vehicle for value and dependability

I purchased my 2008 Marina new off the lot in 2008. It currently has 256,223 miles without any need of major repairs. I had to change the ignition switch a year ago and just now began to have transmission issues. I love this vehicle and it has given me great service.

Vehicle information

Ext. color: Red
Int. color: Pebble / Light Parchment
Drivetrain: Front-wheel Drive
MPG: 22-26
Fuel type: Gasoline
Transmission: 4-Speed Automatic
Engine: 2.3L I4 16V MPFI DOHC
Stock #: 16780A
VIN: 4M2YU56Z46DJ04030

Features

Convenience: Keyless Entry
Entertainment: CD Player
Exterior: Alloy Wheels

Reviews

Dan Cummins of Georgetown review

Buying a vehicle online can be a bit nerve-wracking, but

Buying a vehicle online can be a bit nerve-wracking, but Dan Cummins made the entire process smooth, transparent, and surprisingly personal. I purchased my Jeep entirely over the internet, and from start to finish, the team was fantastic. They were honest, responsive, and incredibly kind throughout the entire experience. Every question I had was answered quickly and clearly, and they never made me feel like just another transaction. What really impressed me was how much care and attention they put into every detail—photos, descriptions, paperwork, and delivery were all handled with professionalism and integrity. Even from hundreds of miles away, I felt completely confident that I was in good hands. It's rare to find a dealership that combines online convenience with genuine human connection, but Dan Cummins nailed it. They went above and beyond to make sure I was comfortable and happy with my purchase—and I absolutely am. If you're considering buying a car online, you won't find a more honest and caring team than the folks at Dan Cummins. Highly recommended. Wayne.

2006 Mercury Mariner Convenience review

Nice looking car with lots of bells & whistles!

Just what was needed at a very affordable price and surprised at all the extra included. A big fan of the heated seats and custom radio.

Vehicle information

Ext. color: Black
Drivetrain: Front-wheel Drive
MPG: 21-28
Fuel type: E85 Flex Fuel
Transmission: 6-Speed Automatic
Engine: 3.0L V6 24V MPFI DOHC Flexible Fuel
Stock #: 6U2910B
VIN: 4M2CN8HGXAKJ14943

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player, Satellite Radio
Exterior: Alloy Wheels, Roof Rack
Safety: Blind Spot Monitor, Stability Control
Seating: Leather Seats

Reviews

Sid Dillon Crete review

Edgar was very helpful and patient with us in choosing

Edgar was very helpful and patient with us in choosing our new vehicle! We called him at closing time on a Friday night and he did everything he could to make it happen!

2010 Mercury Mariner Premier review

Am really enjoying this vehicle

I’m really enjoying the vehicle. It runs well and is enjoyable with its size and sunroof. The stereo system works well, it’s just a good car. Came when great tires, too!

Vehicle information

Ext. color: Red
Int. color: Black
Drivetrain: Four-wheel Drive
MPG: 20-26
Fuel type: E85 Flex Fuel
Transmission: 6-Speed A/T
Engine: 240.0HP 3.0L V6 Cylinder Engine Flex Fuel Capability
VIN: 4M2CN9HG5AKJ25225

Features

Convenience: Heated Seats, Keyless Entry, Navigation System
Entertainment: Bluetooth®, CD Player, DVD Player, Premium Sound System, Satellite Radio, USB Port
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: LED Headlights, Stability Control
Seating: Leather Seats

Reviews

2010 Mercury Mariner Premier review

Just bought the car but love it

I love the vehicle very comfortable I bought it for my sister and she is extremely happy about the purchase my salesman was incredible The guys that delivered it incredible

Vehicle information

Ext. color: Green
Int. color: Gray
Drivetrain: Four-wheel Drive
MPG: 19-25
Fuel type: Gasoline
Transmission: Automatic
Engine: Duratec 2.5L I-4 DOHC, variable valve control, regular unleaded,
Stock #: 16555
VIN: 4M2CU917X9KJ21762

Features

Convenience: Keyless Entry
Entertainment: CD Player
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Stability Control
Seating: Leather Seats

Reviews

Imports & More review

Imports and More

They were very helpful! We bought a car from them a few years ago and it still runs good! This dealership is trustworthy. The only complaint I have is that it’s hard to pull in to the parking lot.

2009 Mercury Mariner I4 review

Great price on very low mileage car

So far car is great. AWD will be nice in the snow. It has plenty of interer room and adaquate power. Color is nice and tires are new.

Vehicle information

Ext. color: Off white
Int. color: Beige
Drivetrain: Four-wheel Drive
MPG: 19-23
Fuel type: Gasoline
Transmission: 4-Speed Automatic
Engine: Duratec 3L V-6 DOHC, regular unleaded, engine with 200HP
Stock #: P2432
VIN: 4M2YU911X7KJ15779

Features

Convenience: Keyless Entry
Entertainment: CD Player
Exterior: Alloy Wheels

Reviews

719 Automotive Group review

Very helpful.

Very helpful. Dillon was great. Gave me all the information to make an easy decision

2007 Mercury Mariner Luxury review

Great SUV as our 2nd car

This size SUV serves all of our family needs, is easy and fun to drive, it handles all the winter weather driving conditions safely, is reliable and tows our fishing boat.

Vehicle information

Ext. color: Tungsten Gray Clearcoat Metallic
Int. color: gray
Drivetrain: Four-wheel Drive
MPG: 17-22
Fuel type: Gasoline
Transmission: Automatic
Engine: Duratec 3L V-6 DOHC, regular unleaded, engine with 200HP
Stock #: j06459
VIN: 4M2CU91188KJ06459

Features

Convenience: Keyless Entry
Entertainment: CD Player
Exterior: Alloy Wheels
Safety: Stability Control

Reviews

iDrive Auto Group review

Outstanding Dealership

The best customer service I have ever received at a car dealership. Absolutely no pressure and gave us plenty of time to look at it!! Found car online and drove 2 1/2 hours from Ohio and would definitely do it again. Well worth the trip!!

2008 Mercury Mariner V6 review

IT'S GOT LEGS!

Due to a catastrophic engine failure on the mid-sized 4DR Sedan/hatchback I was driving, I made a crisi$ purchase of a 2008 Mariner in Jan 2019. The price was low, as it would soon need all new tires, new front brake pads & rotors, as well as both front steering control arms w/ball joints replaced, and, an alignment, of course, AND it had 239,ooo miles on that CD4E transmission. But inside was clean, and I was on a limited budget, and this car left me with some cash in hand for parts, and it would carry the stuff I need for work. So, I spent a weekend rolling around on the garage floor, replacing all the hard parts, got some good rubber on it, and paid for an alignment to get it driving straight: 25 months/25,ooo miles later, that V-6 is still going pretty strong, starts well in subzero (F) cold, and the transmission is still hanging in there, too! Runs pretty quiet: have to watch my speed! Just wish the upper display worked: if I bump the radio channel button, it takes a while to get back to my station!

Vehicle information

Ext. color: White
Int. color: Charcoal Black
Drivetrain: All-wheel Drive
MPG: 14-19
Fuel type: Gasoline
Transmission: Automatic
Engine: 4.6L V-8 variable valve control, regular unleaded, engine with 2
Stock #: 125496
VIN: 4M2EN4J83AUJ03307

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: Bluetooth®, CD Player, HomeLink, Satellite Radio, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof, Tow Hitch
Safety: Stability Control
Seating: Leather Seats, Memory Seat, Third Row Seating

Reviews

Forrester Lincoln review

Great!

Great! Joshua, Bob & Larry hit the mark! Bullseye delivery! Made each promise within budget and on time. Thanks for posting as it was specifically the vehicle sought. It was in great mechanical condition and now in my posession.

2010 Mercury Mountaineer Premier review

Joel

So I just bought a used 2010 Mercury Mountaineer, with a restored salvage title. Typically I do not buy vehicles that don’t have a clean title. Obviously this vehicle was in an accident, and restored. I test drove the vehicle twice before deciding to buy it. I have to say there are a few quirks I have to work out of the system, but the engine and transmission is solid! With just over 100k miles this vehicle is by far one of the cleanest vehicles I have ever bought used, inside and out. I upgraded from an 03 Ford Ranger that had the 2.3L engine 5 speed manual. I wanted something automatic and with more HP. The Mountaineer doesn’t disappoint. For $4,500 I feel this vehicle was a smart purchase even if I have to put some time and money into fixing the weird quirks. I wish there was a way to submit pictures in this review to show just how clean this vehicle is. I would not hesitate on buying another one.

Vehicle information

Ext. color: Vapor Silver Clearcoat Metallic
Int. color: Charcoal Black
Drivetrain: All-wheel Drive
MPG: 13-19
Fuel type: Gasoline
Transmission: Automatic
Engine: 4L V-6 regular unleaded, engine with 210HP
Stock #: 8UJ09438
VIN: 4M2EU47E18UJ09438

Features

Convenience: Keyless Entry
Entertainment: CD Player
Exterior: Alloy Wheels, Roof Rack, Tow Hitch
Safety: Stability Control

Reviews

Serra Ford Rochester Hills review

Great experience all the way around great sales guy ray

Great experience all the way around great sales guy ray to the awesome finance mgr will definitely be my new dealership goin forward!!!!

2008 Mercury Mountaineer Base review

This vehicle was originally rated at 15 mpg in the city

This vehicle was originally rated at 15 mpg in the city and 19 mpg on the highway. I get 16 mpg in the city and 22 to 23 mpg on the highway in the summer and 20 to 21 in the winter. I have 243,000 miles on this vehicle. Drawback at this time is probable short in the wiring in which the drivers power seat will sometimes go back unexpectedly. Also excessive rust below door entry points. Tows very well(22’ camper)

Vehicle information

Ext. color: Light French Silk Clearcoat Metallic/Mineral Grey Metallic Cladd
Int. color: Tan
Drivetrain: All-wheel Drive
MPG: 15-19
Fuel type: Gasoline
Transmission: Automatic
Engine: 4L V-6 regular unleaded, engine with 210HP
Stock #: J21415
VIN: 4M2EU47E96UJ21415

Features

Convenience: Keyless Entry
Entertainment: CD Player, Premium Sound System
Exterior: Alloy Wheels, Roof Rack, Tow Hitch, Tow Hooks
Safety: Stability Control
Seating: Leather Seats, Third Row Seating

Reviews

Rides Unlimited Chicago review

Karl here at rides unlimited was beyond helpful on our

Karl here at rides unlimited was beyond helpful on our buying experience. He was able to somehow Get us down to the price range we wanted and worked on the overall price the whole time. Even when we thought we had what we thought was the best deal he continued to work and somehow found us something even better. The selection here has something for every price range and the staff goes above and beyond.

2006 Mercury Mountaineer Luxury review

I got my used 2006 Mercury Premier Mountaineer V8 that

I got my used 2006 Mercury Premier Mountaineer V8 that had 262,410 miles on it, I'm at 336,710 now, years later, bought her I 2020, I'm in 2025 now, she's still going as strong as any mustang it feels, with minor repair needed in the near future, like a fuel pressure sensor and new struts. Amazing vehicle! I've gone places only jeeps would go, pulled double axles trailers, even drove for 20 hours to the Pacific Northwest, definitely a vehicle I would recommend, if you want something reliable for years to come!

Vehicle information

Ext. color: Oxford White Clearcoat
Int. color: Tan
Drivetrain: Rear-wheel Drive
MPG: 16-21
Fuel type: E85 Flex Fuel
Transmission: Automatic
Engine: 4L V-6 engine with 210HP
Stock #: T4ZJ32617
VIN: 4M2ZU66K44ZJ32617

Features

Convenience: Keyless Entry
Entertainment: CD Player
Exterior: Alloy Wheels, Tow Hitch
Seating: Third Row Seating

Reviews

Toyota of Mt. Pleasant review

Robert and Chris were great.

Robert and Chris were great. It was not a high pressure sales process. They were very knowledgeable and helpful. It was worth the drive from Dallas.

2004 Mercury Mountaineer Convenience review

Great 3 row car, excellent for road trip, no rust,

Great 3 row car, excellent for road trip, no rust, regular maintenance, lasts 300,000 miles, tow capacity 3500lbs, sits up high, Great family car. Awesome

Vehicle information

Ext. color: Burgundy
Int. color: Tan
Drivetrain: Rear-wheel Drive
MPG: 14-20
Fuel type: Gasoline
Transmission: Automatic 5-Speed
Engine: 4L V-6 regular unleaded, engine with 210HP
Stock #: C9364
VIN: 4M2EU37E69UJ02383

Features

Convenience: Keyless Entry
Entertainment: CD Player
Exterior: Alloy Wheels, Roof Rack, Tow Hitch
Safety: Brake Assist, Stability Control

Reviews

Sensible Choice Auto Sales review

Great car buying experience!

I was in the market to purchase a reliable used car for my daughter for under $5k. We had been all over town for a couple of weeks. We finally landed at Sensible Choice Saturday and immediately knew this experience was going to be different. The office was clean and welcoming. Wayne was our salesperson - he was exactly what we needed. I told him what we were looking for, he showed us what he had in his inventory and told us to take a look at which ones we were interested in. We looked at a few cars and test drove a couple of them. We found our car without feeling pressure. Wayne was incredibly helpful and gave us a positive car buying experience. I would definitely recommend Sensible Choice and specifically Wayne.

2009 Mercury Mountaineer Base review

Great SUV

Very impressed with the ride and feel of this SUV. I had a 2002 Explorer which I loved and this Mountaineer is even better.

Vehicle information

Ext. color: Black
Int. color: Beige
Drivetrain: Front-wheel Drive
MPG: 34-30
Fuel type: Hybrid
Transmission: A/T
Engine: 133.0HP 2.3L 4 Cylinder Engine Gas/Electric Hybrid
VIN: 4M2CU29HX8KJ47653

Features

Convenience: Adaptive Cruise Control, Heated Seats, Navigation System

Reviews

2008 Mercury Mariner Hybrid Base review

Very reliable

The Hybrid system is great I use the car for work it has gone though many snow storms and rain storms even an ice storm. It's always worked very well

Vehicle information

Ext. color: White Chocolate Tri-Coat
Int. color: Camel
Drivetrain: All-wheel Drive
MPG: 15-20
Fuel type: Gasoline
Transmission: Automatic
Engine: 4.6L V-8 variable valve control, regular unleaded, engine with 2
Stock #: 702
VIN: 4M2EU488X7UJ02799

Features

Convenience: Heated Seats, Keyless Entry, Navigation System
Entertainment: CD Player, HomeLink, Premium Sound System
Exterior: Alloy Wheels, Tow Hitch
Safety: Stability Control
Seating: Leather Seats, Memory Seat, Third Row Seating

Reviews

My Auto Inc review

Love looking at the dealerships and their cars they have

Love looking at the dealerships and their cars they have to offer They are very clean highly recommended by my friends

2007 Mercury Mountaineer Premier review

An awesome truck.

This truck has lasted me a long time. I’m just looking for something smaller. Motor runs great. Just needs a new shift solinoid. The exterior is a maroon color. And this inside is a tan color.

Vehicle information

Ext. color: Blue
Int. color: Beige
Drivetrain: Four-wheel Drive
MPG: 29-27
Fuel type: Hybrid
Transmission: CVT Transmission
Engine: 133.0HP 2.3L 4 Cylinder Engine Gas/Electric Hybrid
VIN: 4M2CU39H28KJ51573

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: CD Player, Satellite Radio
Exterior: Alloy Wheels, Sunroof/Moonroof, Tow Hitch
Seating: Leather Seats

Reviews

2008 Mercury Mariner Hybrid Base review

Lots of driver space. Comfortable car

I am 6'1 and while I am not a big guy I feel cramped In most cars . The mariner gives me the most space I have ever had in the driver seat. I still feel relaxed after a long drive. It has a stylish look and the hybrid is great on gas and still provides space and convenience for family.

Vehicle information

Ext. color: BLACK
Int. color: TAN
Drivetrain: Four-wheel Drive
MPG: 19-23
Fuel type: Gasoline
Transmission: Automatic
Engine: Duratec 3L V-6 DOHC, regular unleaded, engine with 200HP
Stock #: 5699
VIN: 4M2YU91127KJ02881

Features

Convenience: Keyless Entry
Entertainment: CD Player
Exterior: Alloy Wheels, Sunroof/Moonroof

Reviews

Snell Auto Sales review

Very happy customer - I highly recommend Snell

I would highly recommend Snell's auto due to great customer service - including professional, friendly, knowledgeable, and very helpful staff. Specifically, Emily Brennan and Jackie Taylor who both listened to my needs, and helped steer me away from making the wrong choice (I was looking for a "beater" truck and was prepared to spend up to about $10,000 - and I had found one online which was there when I got there, but upon seeing it, I quickly realized it was not in good condition and it wasn't the truck for me). Emily helped me talk through xxxxxxand con's of moving into a higher price range (up to $21k) and she recommended the truck that I ultimately bought (a 2012 Ram in great condition with 125k miles) and I couldn't be happier. It's everything I wanted and more, and I feel like it was a fantastic bargain. I felt valued as a customer, and I've never had a better vehicle shopping experience. They even did the license plate, title, tags, etc. all right there - I didn't even have to go to a notary. Thank you Snell - keep up the great work!

2007 Mercury Mariner Luxury review

So far so good

So far so good. Was low mileage for the year purchase and hope to have it for many years. Really liking it. Few extra features we did not know about, nice surprise.

Vehicle information

Ext. color: Black Clearcoat
Int. color: Charcoal Black
Drivetrain: All-wheel Drive
MPG: 15-18
Fuel type: Gasoline
Transmission: Automatic 6-Speed
Engine: 4.6L V-8 variable valve control, regular unleaded, engine with 2
Stock #: 1366
VIN: 4M2EU48847UJ21297

Features

Convenience: Heated Seats, Keyless Entry, Navigation System
Entertainment: CD Player, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof, Tow Hitch
Safety: Stability Control
Seating: Leather Seats, Memory Seat, Third Row Seating

Reviews

2007 Mercury Mountaineer Premier review

Solid vehicle

Owned for over a year. Runs smooth as butter. Electronics and interior were awesome. Handled all weather conditions without a hiccup. Very reliable and solid car.

Vehicle information

Drivetrain: Front-wheel Drive
MPG: 21-28
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 2.5L I4 16V MPFI DOHC
Stock #: A4T-02852
VIN: 4M2CN8H72AKJ02852

Features

Convenience: Heated Seats, Navigation System
Entertainment: Bluetooth®, CD Player, DVD Player, Satellite Radio
Exterior: Alloy Wheels, Roof Rack, Tow Hitch
Safety: Stability Control
Seating: Leather Seats

Reviews

Adams North Charlotte review

We went by to look at one car but it was out for repairs.

We went by to look at one car but it was out for repairs. Our second choice was available so we took it for a test drive. We were so pleased with the salesman, Amir, who was so calm, helpful, and honest with us about our car options. We thanked him for facilitating such a chill car buying experience.

2010 Mercury Mariner Premier review

Exceptional Vehicle For The Price

The car was perfect for all of our needs. Excellent looks and styling. Interior is roomy and more than adequate for our needs. Being a used car there were some imperfections but overlooked because of the great value and minor aesthetic issues.

Vehicle information

Ext. color: Sterling Gray Metallic
Int. color: Stone
Drivetrain: Four-wheel Drive
MPG: 18-23
Fuel type: E85 Flex Fuel
Transmission: Automatic
Engine: Duratec 3L V-6 DOHC, variable valve control, engine with 240HP
Stock #: VC7845A
VIN: 4M2CN9HG0AKJ15461

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: CD Player, Satellite Radio, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack
Safety: Stability Control
Seating: Leather Seats

Reviews

Johnson Volvo Cars Charlotte review

Rodney R.

Rodney R. took great care of us. We came into Johnson Volvo to view their inventory- we were in our market search. Rodney listened to our budget and style needs, gave us plenty of options, and Johnathan walked us through the contract. Every interaction with a sales associate was top notch! No salesy pitches, but rather transparency, attentiveness & professionalism. They not only listened, they delivered. We are so happy with our choice!

2010 Mercury Mariner Premier review

Very reliable vehicle, single family owners.

Very reliable vehicle, runs great, flex fuel. Very clean inside and out. Good car for any age, sporty, yet comfortable for every day needs. Has towing package too.

Vehicle information

Drivetrain: All-wheel Drive
MPG: 15-20
Fuel type: Gasoline
Transmission: Automatic
Engine: 4L V-6 regular unleaded, engine with 210HP
Stock #: PD10421
VIN: 4M2EU47E16UJ21215

Features

Convenience: Keyless Entry
Entertainment: CD Player, Premium Sound System
Exterior: Alloy Wheels, Roof Rack, Tow Hitch
Safety: Stability Control
Seating: Leather Seats, Third Row Seating

Reviews

PAW - Pre Auction Wholesale review

I purchased a '11 DTS from them and they were very great

I purchased a '11 DTS from them and they were very great to work with. Let me take the car for a drive by myself so there was no pressure and I could look it over as much as I wanted. Very easy to negotiate with and I got it at the price I wanted. Even stuck around late to finish the deal even though they had a family function to get to. I would recommend them to anyone who is looking for a vehicle.

2006 Mercury Mountaineer Luxury review

Good Value with lots of bells and whistles

Great vehicle and good value. I bought this vehicle 7 years ago with 15,000 miles on the odometer. It was like new inside and out. I have only had a couple of mechanical issues with the vehicle: First off, If it doesn't shift and downshift correctly, take it to the dealer, as there is a TSB out on this issue. Secondly, make sure to change the coolant every few years. Coolant only lasts so long, so at least every 5 years have it changed. On my Mountaineer the coolant aged and clogged up the radiator, resulting in a very expensive repair. Otherwise the vehicle is great and still looks relatively new despite being 18 years old. Overall very good value for what I paid for the vehicle.

About Mercury

FAQs

What is the cheapest Mercury vehicle available?

The Mercury Grand Marquis is the cheapest available vehicle by average Cars.com listing price in Mercury's lineup, with an average listing price of $8,178.

Which Mercury vehicle has the best MPG?

The Mercury Milan Hybrid can reach up to 41 MPG city and 36 MPG highway for a combined rating of 39 MPG. The Mercury Milan with traditional internal combustion engine offers up to 23 MPG city and 33 MPG highway for a combined rating of 26 MPG.

These figures are based on EPA mileage ratings and are for comparison purposes only. The actual mileage will vary depending on the selected vehicle model year, trim, driving conditions, driving habits, vehicle maintenance, and other factors.

Which Mercury vehicle has the most deals?

The Mercury Grand Marquis has the most available deals on Cars.com with 42 great deals out of 131 listings starting at $1,650.

*Estimated payments are calculated by Cars.com and are for informational purposes only. We’ve estimated your taxes based on your provided ZIP code. These estimates do not include title, registration fees, lien fees, or any other fees that may be imposed by a governmental agency in connection with the sale and financing of the vehicle. Other taxes may apply. They do not represent a financing offer or a guarantee of credit from the seller. Actual terms vary by lender.

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