Top Mortgage Lenders in Memphis, TN

Which mortgage lender in the Memphis, TN area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Memphis, TN area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Memphis, TN area in terms of interest rate is Patriot Bank, with an average “Rate Difference” of -0.22%. This means that, comparing similar borrowers, Patriot Bank provided a -0.22% lower interest rate for its customers than other lenders in the area. Patriot Bank has a market share of 4.1%. On the other hand, the most popular lender in the Memphis, TN area is Quicken Loans, with a larger market share of 9.8%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.09% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Memphis, TN area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Memphis, TN is Patriot Bank. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is First Horizon Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Patriot Bank. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Memphis, TN

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
Patriot Bank	-0.22%	(4.5)	4.15%
Bank of America	-0.15%	(4.5)	1.41%
Eagle Bank and Trust Company	-0.15%	(4.5)	3.37%
Financial Federal Bank	-0.14%	(4.0)	1.23%
Trustmark National Bank	-0.14%	(4.0)	2.29%
JPMorgan Chase Bank	-0.12%	(4.0)	1.01%
BankPlus	-0.12%	(4.0)	0.43%
Mortgage Investors Group	-0.08%	(4.0)	3.60%
Triumph Bank	-0.08%	(4.0)	2.06%
Amerisave Mortgage Corporation	-0.07%	(4.0)	0.49%
Independent Bank Tennessee	-0.07%	(4.0)	1.45%
Renasant Bank	-0.07%	(4.0)	2.01%
Wells Fargo Bank	-0.06%	(4.0)	2.90%
NewRez	-0.06%	(4.0)	0.32%
IBERIABANK	-0.06%	(4.0)	3.21%
RoundPoint Mortgage Servicing Corporation	-0.06%	(4.0)	0.18%
Community Mortgage Corporation	-0.05%	(4.0)	8.98%
Caliber Home Loans	-0.05%	(4.0)	0.49%
BancorpSouth Bank	-0.05%	(4.0)	4.93%
Community Bank of Mississippi	-0.05%	(4.0)	0.57%
First Federal Bank of Florida	-0.05%	(3.5)	0.60%
First Horizon Bank	-0.05%	(3.5)	0.93%
Lakeview Loan Servicing	-0.05%	(3.5)	0.33%
PennyMac Loan Services	-0.04%	(3.5)	0.81%
Sierra Pacific Mortgage	-0.04%	(3.5)	0.26%
Village Capital	-0.04%	(3.5)	0.25%
US Bank	-0.04%	(3.5)	0.40%
SunTrust Bank	-0.04%	(3.5)	0.63%
FirstBank TN	-0.03%	(3.5)	0.42%
Leaders Credit Union	-0.02%	(3.5)	0.19%
NBKC Bank	-0.01%	(3.5)	0.18%
loanDepot	0.00%	(3.5)	1.72%
Carrington Mortgage Services	0.00%	(3.5)	0.91%
First Citizens National Bank	0.00%	(3.5)	0.35%
Crescent Mortgage Company	0.00%	(3.5)	0.36%
FedEx Employees Credit Association	0.01%	(3.5)	0.41%
American Mortgage Service Company	0.01%	(3.5)	0.19%
Pinnacle Financial Partners	0.01%	(3.5)	6.22%
USAA	0.02%	(3.5)	1.59%
Movement Mortgage	0.02%	(3.5)	0.68%
Guaranty Home Mortgage Corporation	0.02%	(3.5)	0.21%
Flagstar Bank	0.02%	(3.5)	0.97%
Churchill Mortgage	0.02%	(3.5)	0.27%
Navy Federal Credit Union	0.02%	(3.5)	2.32%
Synergy One Lending	0.03%	(3.5)	0.28%
State Farm Bank	0.03%	(3.5)	0.21%
Integrity Mortgage Group	0.05%	(3.5)	0.62%
Bank of England AR	0.05%	(3.5)	1.06%
Regions Bank	0.05%	(3.0)	3.37%
Simmons Bank	0.06%	(3.0)	0.27%
TIAA Bank	0.06%	(3.0)	0.20%
Reliance First Capital	0.07%	(3.0)	0.30%
New American Funding	0.08%	(3.0)	0.53%
PrimeLending	0.08%	(3.0)	2.08%
Evolve Bank & Trust	0.08%	(3.0)	1.09%
The Federal Savings Bank	0.08%	(3.0)	0.31%
Freedom Mortgage Corporation	0.08%	(3.0)	1.26%
PRMG Mortgage	0.09%	(3.0)	0.64%
Quicken Loans	0.09%	(3.0)	9.78%
Fairway Independent Mortgage Corporation	0.11%	(3.0)	1.62%
Guild Mortgage Company	0.13%	(3.0)	2.20%
Castle & Cooke Mortgage	0.15%	(2.5)	1.38%
Supreme Lending	0.19%	(2.5)	0.98%
Mr. Cooper	0.23%	(2.5)	1.45%
Gateway First Bank	0.25%	(2.5)	0.23%
Finance of America Mortgage	0.26%	(2.0)	0.43%
Austin Capital Bank	0.28%	(2.0)	1.10%
Northpointe Bank	0.34%	(2.0)	0.21%
NewDay USA	0.35%	(1.5)	0.28%
Southwest Funding	0.36%	(1.5)	0.63%
SecurityNational Mortgage Company	0.39%	(1.5)	1.19%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.21%	(4.5)	1.20%
Patriot Bank	-0.20%	(4.5)	4.54%
JPMorgan Chase Bank	-0.15%	(4.5)	0.79%
Eagle Bank and Trust Company	-0.15%	(4.0)	4.54%
Trustmark National Bank	-0.14%	(4.0)	2.73%
Financial Federal Bank	-0.14%	(4.0)	1.28%
Wells Fargo Bank	-0.13%	(4.0)	2.41%
BankPlus	-0.13%	(4.0)	0.48%
Renasant Bank	-0.08%	(4.0)	1.83%
Independent Bank Tennessee	-0.07%	(4.0)	1.69%
Mortgage Investors Group	-0.07%	(4.0)	4.54%
First Horizon Bank	-0.07%	(4.0)	0.95%
First Federal Bank of Florida	-0.06%	(4.0)	0.71%
Sierra Pacific Mortgage	-0.05%	(4.0)	0.29%
Community Bank of Mississippi	-0.05%	(4.0)	0.72%
Regions Bank	-0.05%	(3.5)	2.47%
IBERIABANK	-0.05%	(3.5)	3.90%
US Bank	-0.05%	(3.5)	0.33%
Freedom Mortgage Corporation	-0.04%	(3.5)	0.70%
Triumph Bank	-0.04%	(3.5)	2.22%
BancorpSouth Bank	-0.04%	(3.5)	5.93%
Community Mortgage Corporation	-0.04%	(3.5)	11.74%
SunTrust Bank	-0.03%	(3.5)	0.49%
FirstBank TN	-0.02%	(3.5)	0.38%
Caliber Home Loans	-0.01%	(3.5)	0.28%
PennyMac Loan Services	-0.01%	(3.5)	0.19%
Leaders Credit Union	-0.01%	(3.5)	0.17%
NBKC Bank	-0.00%	(3.5)	0.19%
First Citizens National Bank	0.01%	(3.5)	0.27%
Crescent Mortgage Company	0.01%	(3.5)	0.41%
RoundPoint Mortgage Servicing Corporation	0.01%	(3.5)	0.01%
Lakeview Loan Servicing	0.01%	(3.5)	0.01%
NewRez	0.02%	(3.5)	0.04%
FedEx Employees Credit Association	0.02%	(3.5)	0.41%
Amerisave Mortgage Corporation	0.02%	(3.5)	0.02%
Pinnacle Financial Partners	0.03%	(3.5)	8.07%
American Mortgage Service Company	0.03%	(3.5)	0.22%
Synergy One Lending	0.03%	(3.5)	0.11%
The Federal Savings Bank	0.03%	(3.5)	0.03%
Guaranty Home Mortgage Corporation	0.03%	(3.5)	0.26%
Movement Mortgage	0.04%	(3.5)	0.92%
Flagstar Bank	0.04%	(3.5)	0.99%
Reliance First Capital	0.04%	(3.5)	0.01%
USAA	0.05%	(3.5)	1.87%
Churchill Mortgage	0.05%	(3.5)	0.29%
Carrington Mortgage Services	0.05%	(3.5)	0.08%
State Farm Bank	0.05%	(3.0)	0.18%
Navy Federal Credit Union	0.05%	(3.0)	2.94%
Integrity Mortgage Group	0.05%	(3.0)	0.84%
NewDay USA	0.06%	(3.0)	0.03%
loanDepot	0.07%	(3.0)	0.40%
TIAA Bank	0.07%	(3.0)	0.25%
Bank of England AR	0.09%	(3.0)	1.20%
Simmons Bank	0.09%	(3.0)	0.32%
Mr. Cooper	0.09%	(3.0)	0.34%
PrimeLending	0.09%	(3.0)	2.81%
Evolve Bank & Trust	0.10%	(3.0)	1.20%
New American Funding	0.10%	(3.0)	0.57%
PRMG Mortgage	0.10%	(3.0)	0.80%
Quicken Loans	0.10%	(3.0)	3.97%
Fairway Independent Mortgage Corporation	0.14%	(3.0)	1.88%
Castle & Cooke Mortgage	0.16%	(2.5)	1.99%
Guild Mortgage Company	0.17%	(2.5)	2.72%
Supreme Lending	0.23%	(2.5)	1.11%
Austin Capital Bank	0.30%	(2.0)	1.54%
Gateway First Bank	0.31%	(2.0)	0.22%
Finance of America Mortgage	0.31%	(2.0)	0.55%
Northpointe Bank	0.40%	(1.5)	0.26%
Southwest Funding	0.40%	(1.5)	0.86%
SecurityNational Mortgage Company	0.45%	(1.5)	1.35%

Lender Name	Rate Difference	Rate Rating	Market Share
Patriot Bank	-0.28%	(5.0)	3.33%
Triumph Bank	-0.17%	(4.5)	1.74%
Eagle Bank and Trust Company	-0.16%	(4.5)	0.98%
Financial Federal Bank	-0.15%	(4.0)	1.14%
Mortgage Investors Group	-0.15%	(4.0)	1.68%
Community Mortgage Corporation	-0.15%	(4.0)	3.33%
Trustmark National Bank	-0.13%	(4.0)	1.39%
IBERIABANK	-0.11%	(4.0)	1.79%
Navy Federal Credit Union	-0.11%	(4.0)	1.07%
Caliber Home Loans	-0.09%	(4.0)	0.90%
BancorpSouth Bank	-0.09%	(4.0)	2.89%
Bank of America	-0.09%	(4.0)	1.84%
Movement Mortgage	-0.08%	(4.0)	0.18%
Amerisave Mortgage Corporation	-0.08%	(4.0)	1.45%
JPMorgan Chase Bank	-0.08%	(4.0)	1.46%
NewRez	-0.08%	(4.0)	0.90%
USAA	-0.08%	(4.0)	1.01%
BankPlus	-0.08%	(4.0)	0.33%
RoundPoint Mortgage Servicing Corporation	-0.07%	(4.0)	0.54%
Bank of England AR	-0.07%	(4.0)	0.78%
PennyMac Loan Services	-0.06%	(4.0)	2.10%
Independent Bank Tennessee	-0.06%	(4.0)	0.98%
Lakeview Loan Servicing	-0.06%	(4.0)	0.98%
Renasant Bank	-0.05%	(4.0)	2.39%
Village Capital	-0.05%	(3.5)	0.76%
Guild Mortgage Company	-0.05%	(3.5)	1.14%
Simmons Bank	-0.05%	(3.5)	0.18%
FirstBank TN	-0.04%	(3.5)	0.49%
SunTrust Bank	-0.04%	(3.5)	0.94%
Community Bank of Mississippi	-0.04%	(3.5)	0.25%
Leaders Credit Union	-0.04%	(3.5)	0.24%
Pinnacle Financial Partners	-0.04%	(3.5)	2.42%
NBKC Bank	-0.03%	(3.5)	0.18%
Churchill Mortgage	-0.03%	(3.5)	0.22%
US Bank	-0.03%	(3.5)	0.56%
American Mortgage Service Company	-0.03%	(3.5)	0.13%
Guaranty Home Mortgage Corporation	-0.02%	(3.5)	0.09%
loanDepot	-0.02%	(3.5)	4.43%
Southwest Funding	-0.01%	(3.5)	0.16%
Carrington Mortgage Services	-0.01%	(3.5)	2.60%
Sierra Pacific Mortgage	-0.01%	(3.5)	0.20%
Castle & Cooke Mortgage	-0.01%	(3.5)	0.13%
First Citizens National Bank	-0.01%	(3.5)	0.51%
Flagstar Bank	-0.01%	(3.5)	0.94%
FedEx Employees Credit Association	-0.00%	(3.5)	0.42%
First Horizon Bank	-0.00%	(3.5)	0.87%
Crescent Mortgage Company	-0.00%	(3.5)	0.25%
Northpointe Bank	0.00%	(3.5)	0.09%
Fairway Independent Mortgage Corporation	0.00%	(3.5)	1.10%
State Farm Bank	0.01%	(3.5)	0.29%
First Federal Bank of Florida	0.01%	(3.5)	0.38%
PrimeLending	0.01%	(3.5)	0.58%
Finance of America Mortgage	0.01%	(3.5)	0.20%
Integrity Mortgage Group	0.02%	(3.5)	0.18%
New American Funding	0.02%	(3.5)	0.45%
TIAA Bank	0.02%	(3.5)	0.11%
Wells Fargo Bank	0.02%	(3.5)	3.91%
Synergy One Lending	0.02%	(3.5)	0.63%
PRMG Mortgage	0.03%	(3.5)	0.31%
Evolve Bank & Trust	0.03%	(3.5)	0.85%
Austin Capital Bank	0.04%	(3.5)	0.20%
Reliance First Capital	0.06%	(3.0)	0.89%
The Federal Savings Bank	0.07%	(3.0)	0.89%
Quicken Loans	0.08%	(3.0)	21.68%
Supreme Lending	0.09%	(3.0)	0.71%
Gateway First Bank	0.14%	(3.0)	0.25%
Regions Bank	0.14%	(3.0)	5.21%
Freedom Mortgage Corporation	0.15%	(2.5)	2.42%
SecurityNational Mortgage Company	0.20%	(2.5)	0.85%
Mr. Cooper	0.25%	(2.0)	3.74%
NewDay USA	0.36%	(1.5)	0.81%

Lender Name	Rate Difference	Rate Rating	Market Share
Patriot Bank	-0.21%	(4.5)	4.90%
Eagle Bank and Trust Company	-0.19%	(4.5)	3.19%
Bank of America	-0.17%	(4.5)	2.00%
Financial Federal Bank	-0.15%	(4.0)	1.85%
JPMorgan Chase Bank	-0.14%	(4.0)	1.39%
Trustmark National Bank	-0.13%	(4.0)	2.42%
BankPlus	-0.12%	(4.0)	0.60%
Mortgage Investors Group	-0.11%	(4.0)	4.00%
Amerisave Mortgage Corporation	-0.10%	(4.0)	0.58%
NewRez	-0.09%	(4.0)	0.34%
loanDepot	-0.09%	(4.0)	1.36%
Triumph Bank	-0.08%	(4.0)	2.81%
Carrington Mortgage Services	-0.07%	(4.0)	0.41%
RoundPoint Mortgage Servicing Corporation	-0.07%	(4.0)	0.21%
IBERIABANK	-0.07%	(4.0)	4.07%
Renasant Bank	-0.07%	(4.0)	2.73%
First Federal Bank of Florida	-0.07%	(4.0)	0.47%
Independent Bank Tennessee	-0.07%	(4.0)	1.77%
Wells Fargo Bank	-0.07%	(4.0)	4.36%
Community Mortgage Corporation	-0.06%	(4.0)	8.41%
US Bank	-0.05%	(4.0)	0.44%
First Horizon Bank	-0.05%	(3.5)	1.17%
Caliber Home Loans	-0.04%	(3.5)	0.32%
SunTrust Bank	-0.04%	(3.5)	0.71%
FirstBank TN	-0.02%	(3.5)	0.55%
Leaders Credit Union	-0.02%	(3.5)	0.23%
Community Bank of Mississippi	-0.01%	(3.5)	0.57%
NBKC Bank	-0.01%	(3.5)	0.11%
BancorpSouth Bank	-0.01%	(3.5)	5.13%
American Mortgage Service Company	-0.01%	(3.5)	0.12%
Sierra Pacific Mortgage	-0.00%	(3.5)	0.18%
Guaranty Home Mortgage Corporation	0.01%	(3.5)	0.10%
First Citizens National Bank	0.01%	(3.5)	0.45%
Crescent Mortgage Company	0.01%	(3.5)	0.46%
Movement Mortgage	0.01%	(3.5)	0.82%
FedEx Employees Credit Association	0.02%	(3.5)	0.61%
Synergy One Lending	0.02%	(3.5)	0.24%
The Federal Savings Bank	0.02%	(3.5)	0.02%
Bank of England AR	0.02%	(3.5)	1.06%
PennyMac Loan Services	0.03%	(3.5)	0.42%
Churchill Mortgage	0.03%	(3.5)	0.31%
Pinnacle Financial Partners	0.03%	(3.5)	6.65%
Flagstar Bank	0.03%	(3.5)	0.95%
Castle & Cooke Mortgage	0.03%	(3.5)	0.56%
State Farm Bank	0.04%	(3.5)	0.34%
USAA	0.05%	(3.0)	0.89%
Guild Mortgage Company	0.05%	(3.0)	1.10%
Integrity Mortgage Group	0.05%	(3.0)	0.29%
Lakeview Loan Servicing	0.06%	(3.0)	0.04%
Southwest Funding	0.07%	(3.0)	0.12%
TIAA Bank	0.07%	(3.0)	0.29%
Fairway Independent Mortgage Corporation	0.08%	(3.0)	1.00%
New American Funding	0.08%	(3.0)	0.47%
Simmons Bank	0.08%	(3.0)	0.29%
Evolve Bank & Trust	0.08%	(3.0)	1.08%
PrimeLending	0.08%	(3.0)	1.46%
Regions Bank	0.09%	(3.0)	4.44%
PRMG Mortgage	0.11%	(3.0)	0.17%
Reliance First Capital	0.11%	(3.0)	0.17%
Quicken Loans	0.15%	(3.0)	9.86%
Freedom Mortgage Corporation	0.17%	(2.5)	0.55%
Austin Capital Bank	0.20%	(2.5)	0.79%
Supreme Lending	0.23%	(2.5)	1.09%
Gateway First Bank	0.30%	(2.0)	0.31%
Mr. Cooper	0.31%	(2.0)	1.14%
Finance of America Mortgage	0.33%	(2.0)	0.57%
Northpointe Bank	0.36%	(1.5)	0.32%
Navy Federal Credit Union	0.40%	(1.5)	1.55%
SecurityNational Mortgage Company	0.43%	(1.5)	1.62%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.25%	(4.5)	1.69%
Eagle Bank and Trust Company	-0.19%	(4.5)	4.36%
Patriot Bank	-0.18%	(4.5)	5.27%
JPMorgan Chase Bank	-0.18%	(4.5)	1.14%
Wells Fargo Bank	-0.15%	(4.0)	3.65%
Financial Federal Bank	-0.15%	(4.0)	2.00%
BankPlus	-0.13%	(4.0)	0.70%
Trustmark National Bank	-0.13%	(4.0)	2.75%
Mortgage Investors Group	-0.09%	(4.0)	4.97%
Renasant Bank	-0.08%	(4.0)	2.49%
Independent Bank Tennessee	-0.07%	(4.0)	2.03%
First Horizon Bank	-0.07%	(4.0)	1.28%
First Federal Bank of Florida	-0.07%	(4.0)	0.67%
US Bank	-0.07%	(4.0)	0.36%
IBERIABANK	-0.06%	(4.0)	5.02%
SunTrust Bank	-0.04%	(3.5)	0.50%
Triumph Bank	-0.03%	(3.5)	3.09%
Community Mortgage Corporation	-0.03%	(3.5)	10.73%
Regions Bank	-0.01%	(3.5)	2.91%
Caliber Home Loans	-0.01%	(3.5)	0.22%
FirstBank TN	-0.00%	(3.5)	0.50%
Community Bank of Mississippi	-0.00%	(3.5)	0.70%
Leaders Credit Union	-0.00%	(3.5)	0.19%
NBKC Bank	-0.00%	(3.5)	0.13%
Sierra Pacific Mortgage	0.00%	(3.5)	0.16%
American Mortgage Service Company	0.00%	(3.5)	0.13%
loanDepot	0.01%	(3.5)	0.33%
RoundPoint Mortgage Servicing Corporation	0.01%	(3.5)	0.01%
NewRez	0.01%	(3.5)	0.03%
The Federal Savings Bank	0.02%	(3.5)	0.01%
Crescent Mortgage Company	0.02%	(3.5)	0.53%
PennyMac Loan Services	0.02%	(3.5)	0.10%
BancorpSouth Bank	0.02%	(3.5)	6.02%
FedEx Employees Credit Association	0.02%	(3.5)	0.61%
Amerisave Mortgage Corporation	0.02%	(3.5)	0.03%
First Citizens National Bank	0.03%	(3.5)	0.30%
Synergy One Lending	0.03%	(3.5)	0.12%
Freedom Mortgage Corporation	0.03%	(3.5)	0.19%
Movement Mortgage	0.03%	(3.5)	1.13%
Guaranty Home Mortgage Corporation	0.03%	(3.5)	0.09%
Castle & Cooke Mortgage	0.04%	(3.5)	0.83%
Reliance First Capital	0.05%	(3.5)	0.01%
Pinnacle Financial Partners	0.05%	(3.5)	8.70%
State Farm Bank	0.06%	(3.0)	0.30%
Flagstar Bank	0.06%	(3.0)	0.86%
Churchill Mortgage	0.06%	(3.0)	0.33%
Integrity Mortgage Group	0.06%	(3.0)	0.34%
Bank of England AR	0.07%	(3.0)	1.19%
Guild Mortgage Company	0.07%	(3.0)	1.41%
Southwest Funding	0.08%	(3.0)	0.15%
Mr. Cooper	0.08%	(3.0)	0.22%
USAA	0.09%	(3.0)	1.10%
TIAA Bank	0.09%	(3.0)	0.36%
Carrington Mortgage Services	0.09%	(3.0)	0.03%
New American Funding	0.09%	(3.0)	0.53%
PrimeLending	0.10%	(3.0)	1.90%
Evolve Bank & Trust	0.10%	(3.0)	1.13%
Fairway Independent Mortgage Corporation	0.11%	(3.0)	1.01%
PRMG Mortgage	0.13%	(3.0)	0.19%
Quicken Loans	0.13%	(3.0)	4.18%
Simmons Bank	0.14%	(3.0)	0.31%
Austin Capital Bank	0.22%	(2.5)	1.14%
Supreme Lending	0.28%	(2.0)	1.23%
Gateway First Bank	0.34%	(2.0)	0.34%
Finance of America Mortgage	0.40%	(1.5)	0.74%
Northpointe Bank	0.42%	(1.5)	0.43%
Navy Federal Credit Union	0.49%	(1.0)	2.03%
SecurityNational Mortgage Company	0.51%	(1.0)	1.84%

Lender Name	Rate Difference	Rate Rating	Market Share
Patriot Bank	-0.29%	(5.0)	4.24%
Eagle Bank and Trust Company	-0.19%	(4.5)	1.09%
Triumph Bank	-0.18%	(4.5)	2.31%
Community Mortgage Corporation	-0.16%	(4.5)	4.27%
Mortgage Investors Group	-0.16%	(4.5)	2.28%
Financial Federal Bank	-0.15%	(4.5)	1.56%
Trustmark National Bank	-0.13%	(4.0)	1.83%
IBERIABANK	-0.12%	(4.0)	2.39%
loanDepot	-0.11%	(4.0)	3.21%
Amerisave Mortgage Corporation	-0.11%	(4.0)	1.56%
NewRez	-0.10%	(4.0)	0.90%
JPMorgan Chase Bank	-0.09%	(4.0)	1.83%
BancorpSouth Bank	-0.09%	(4.0)	3.53%
Carrington Mortgage Services	-0.09%	(4.0)	1.09%
RoundPoint Mortgage Servicing Corporation	-0.08%	(4.0)	0.56%
Bank of America	-0.08%	(4.0)	2.54%
Bank of England AR	-0.08%	(4.0)	0.82%
Movement Mortgage	-0.08%	(4.0)	0.27%
BankPlus	-0.08%	(4.0)	0.42%
Caliber Home Loans	-0.07%	(4.0)	0.50%
USAA	-0.06%	(4.0)	0.53%
Independent Bank Tennessee	-0.06%	(4.0)	1.30%
Renasant Bank	-0.05%	(4.0)	3.15%
Navy Federal Credit Union	-0.05%	(3.5)	0.69%
US Bank	-0.04%	(3.5)	0.58%
FirstBank TN	-0.04%	(3.5)	0.64%
SunTrust Bank	-0.04%	(3.5)	1.09%
Leaders Credit Union	-0.04%	(3.5)	0.29%
Pinnacle Financial Partners	-0.04%	(3.5)	2.99%
Simmons Bank	-0.04%	(3.5)	0.27%
Community Bank of Mississippi	-0.04%	(3.5)	0.34%
Churchill Mortgage	-0.03%	(3.5)	0.29%
NBKC Bank	-0.03%	(3.5)	0.08%
American Mortgage Service Company	-0.02%	(3.5)	0.11%
Guaranty Home Mortgage Corporation	-0.02%	(3.5)	0.11%
First Federal Bank of Florida	-0.02%	(3.5)	0.11%
Guild Mortgage Company	-0.02%	(3.5)	0.56%
Sierra Pacific Mortgage	-0.00%	(3.5)	0.21%
Flagstar Bank	-0.00%	(3.5)	1.11%
First Citizens National Bank	-0.00%	(3.5)	0.72%
First Horizon Bank	0.00%	(3.5)	0.98%
FedEx Employees Credit Association	0.00%	(3.5)	0.61%
Crescent Mortgage Company	0.00%	(3.5)	0.32%
Synergy One Lending	0.01%	(3.5)	0.45%
Northpointe Bank	0.01%	(3.5)	0.13%
Castle & Cooke Mortgage	0.01%	(3.5)	0.08%
State Farm Bank	0.01%	(3.5)	0.42%
The Federal Savings Bank	0.01%	(3.5)	0.03%
Fairway Independent Mortgage Corporation	0.02%	(3.5)	0.98%
Finance of America Mortgage	0.02%	(3.5)	0.27%
PrimeLending	0.02%	(3.5)	0.66%
PennyMac Loan Services	0.02%	(3.5)	0.98%
TIAA Bank	0.02%	(3.5)	0.16%
Wells Fargo Bank	0.03%	(3.5)	5.62%
Integrity Mortgage Group	0.03%	(3.5)	0.19%
New American Funding	0.03%	(3.5)	0.34%
Austin Capital Bank	0.04%	(3.5)	0.16%
Southwest Funding	0.04%	(3.5)	0.08%
Evolve Bank & Trust	0.04%	(3.5)	1.01%
Lakeview Loan Servicing	0.05%	(3.0)	0.11%
PRMG Mortgage	0.08%	(3.0)	0.13%
Supreme Lending	0.11%	(3.0)	0.85%
Reliance First Capital	0.11%	(3.0)	0.45%
Quicken Loans	0.14%	(3.0)	20.01%
Regions Bank	0.15%	(2.5)	7.18%
Gateway First Bank	0.21%	(2.5)	0.27%
Freedom Mortgage Corporation	0.21%	(2.5)	1.19%
SecurityNational Mortgage Company	0.21%	(2.5)	1.22%
Mr. Cooper	0.33%	(2.0)	2.78%

Lender Name	Rate Difference	Rate Rating	Market Share
Patriot Bank	-0.31%	(5.0)	2.43%
Trustmark National Bank	-0.18%	(4.5)	2.40%
BancorpSouth Bank	-0.14%	(4.0)	6.38%
Community Bank of Mississippi	-0.14%	(4.0)	0.73%
Regions Bank	-0.13%	(4.0)	1.72%
Triumph Bank	-0.11%	(4.0)	0.90%
Eagle Bank and Trust Company	-0.11%	(4.0)	4.76%
Sierra Pacific Mortgage	-0.10%	(4.0)	0.45%
Renasant Bank	-0.10%	(4.0)	0.75%
Independent Bank Tennessee	-0.09%	(4.0)	1.01%
Community Mortgage Corporation	-0.09%	(4.0)	10.74%
Navy Federal Credit Union	-0.07%	(4.0)	0.31%
First Federal Bank of Florida	-0.07%	(4.0)	0.61%
FirstBank TN	-0.07%	(4.0)	0.19%
BankPlus	-0.06%	(4.0)	0.21%
Finance of America Mortgage	-0.06%	(4.0)	0.19%
Financial Federal Bank	-0.06%	(4.0)	0.19%
Pinnacle Financial Partners	-0.05%	(4.0)	5.96%
Mortgage Investors Group	-0.05%	(3.5)	3.25%
Crescent Mortgage Company	-0.04%	(3.5)	0.19%
US Bank	-0.04%	(3.5)	0.19%
First Citizens National Bank	-0.04%	(3.5)	0.26%
Freedom Mortgage Corporation	-0.04%	(3.5)	2.07%
TIAA Bank	-0.04%	(3.5)	0.07%
Quicken Loans	-0.03%	(3.5)	10.41%
PennyMac Loan Services	-0.03%	(3.5)	0.85%
Caliber Home Loans	-0.03%	(3.5)	0.66%
NewRez	-0.02%	(3.5)	0.19%
SunTrust Bank	-0.02%	(3.5)	0.19%
RoundPoint Mortgage Servicing Corporation	-0.02%	(3.5)	0.16%
Village Capital	-0.01%	(3.5)	0.49%
NBKC Bank	-0.01%	(3.5)	0.05%
Leaders Credit Union	-0.01%	(3.5)	0.19%
Bank of America	-0.01%	(3.5)	0.33%
IBERIABANK	-0.00%	(3.5)	1.79%
Flagstar Bank	-0.00%	(3.5)	1.11%
Simmons Bank	0.00%	(3.5)	0.31%
FedEx Employees Credit Association	0.00%	(3.5)	0.05%
Synergy One Lending	0.01%	(3.5)	0.24%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.21%
Carrington Mortgage Services	0.01%	(3.5)	1.88%
Gateway First Bank	0.01%	(3.5)	0.05%
Churchill Mortgage	0.01%	(3.5)	0.19%
The Federal Savings Bank	0.01%	(3.5)	0.02%
Lakeview Loan Servicing	0.01%	(3.5)	0.47%
Northpointe Bank	0.02%	(3.5)	0.02%
Guaranty Home Mortgage Corporation	0.02%	(3.5)	0.47%
American Mortgage Service Company	0.02%	(3.5)	0.40%
JPMorgan Chase Bank	0.03%	(3.5)	0.02%
NewDay USA	0.03%	(3.5)	0.02%
Reliance First Capital	0.04%	(3.5)	0.64%
Integrity Mortgage Group	0.04%	(3.5)	1.44%
Movement Mortgage	0.05%	(3.0)	0.52%
PrimeLending	0.06%	(3.0)	3.98%
Evolve Bank & Trust	0.07%	(3.0)	1.39%
PRMG Mortgage	0.07%	(3.0)	1.70%
New American Funding	0.09%	(3.0)	0.75%
Bank of England AR	0.10%	(3.0)	1.11%
Supreme Lending	0.13%	(3.0)	0.94%
Fairway Independent Mortgage Corporation	0.13%	(3.0)	3.23%
Mr. Cooper	0.15%	(2.5)	2.26%
loanDepot	0.15%	(2.5)	1.79%
Guild Mortgage Company	0.17%	(2.5)	5.14%
SecurityNational Mortgage Company	0.20%	(2.5)	0.71%
Castle & Cooke Mortgage	0.20%	(2.5)	3.77%
Austin Capital Bank	0.39%	(1.5)	1.88%
Southwest Funding	0.42%	(1.5)	2.03%

Lender Name	Rate Difference	Rate Rating	Market Share
Patriot Bank	-0.33%	(5.0)	2.89%
Trustmark National Bank	-0.19%	(4.5)	2.89%
Regions Bank	-0.15%	(4.5)	1.89%
BancorpSouth Bank	-0.15%	(4.5)	7.58%
Community Bank of Mississippi	-0.13%	(4.0)	0.93%
Triumph Bank	-0.12%	(4.0)	0.99%
Freedom Mortgage Corporation	-0.12%	(4.0)	1.44%
Eagle Bank and Trust Company	-0.11%	(4.0)	5.77%
Renasant Bank	-0.11%	(4.0)	0.84%
Sierra Pacific Mortgage	-0.11%	(4.0)	0.51%
Independent Bank Tennessee	-0.09%	(4.0)	1.26%
Community Mortgage Corporation	-0.09%	(4.0)	13.38%
First Federal Bank of Florida	-0.08%	(4.0)	0.72%
BankPlus	-0.07%	(4.0)	0.21%
Navy Federal Credit Union	-0.07%	(4.0)	0.39%
FirstBank TN	-0.06%	(4.0)	0.24%
Financial Federal Bank	-0.06%	(4.0)	0.21%
Finance of America Mortgage	-0.06%	(4.0)	0.24%
Pinnacle Financial Partners	-0.05%	(4.0)	7.37%
Mortgage Investors Group	-0.05%	(4.0)	4.06%
Crescent Mortgage Company	-0.04%	(3.5)	0.21%
US Bank	-0.04%	(3.5)	0.21%
First Citizens National Bank	-0.04%	(3.5)	0.30%
PennyMac Loan Services	-0.04%	(3.5)	0.30%
TIAA Bank	-0.03%	(3.5)	0.09%
SunTrust Bank	-0.03%	(3.5)	0.18%
Leaders Credit Union	-0.02%	(3.5)	0.18%
Caliber Home Loans	-0.01%	(3.5)	0.45%
NBKC Bank	-0.01%	(3.5)	0.06%
Bank of America	-0.00%	(3.5)	0.42%
Flagstar Bank	-0.00%	(3.5)	1.29%
Lakeview Loan Servicing	-0.00%	(3.5)	0.03%
IBERIABANK	-0.00%	(3.5)	2.16%
Simmons Bank	0.00%	(3.5)	0.39%
FedEx Employees Credit Association	0.01%	(3.5)	0.06%
Gateway First Bank	0.01%	(3.5)	0.06%
Churchill Mortgage	0.01%	(3.5)	0.21%
NewRez	0.01%	(3.5)	0.03%
Carrington Mortgage Services	0.02%	(3.5)	0.12%
Northpointe Bank	0.02%	(3.5)	0.03%
Guaranty Home Mortgage Corporation	0.02%	(3.5)	0.60%
Quicken Loans	0.03%	(3.5)	3.61%
American Mortgage Service Company	0.03%	(3.5)	0.45%
Integrity Mortgage Group	0.04%	(3.5)	1.77%
Movement Mortgage	0.05%	(3.0)	0.66%
Synergy One Lending	0.06%	(3.0)	0.06%
PrimeLending	0.07%	(3.0)	4.93%
Evolve Bank & Trust	0.08%	(3.0)	1.53%
PRMG Mortgage	0.08%	(3.0)	2.01%
Mr. Cooper	0.09%	(3.0)	0.60%
New American Funding	0.11%	(3.0)	0.75%
Bank of England AR	0.12%	(3.0)	1.23%
loanDepot	0.13%	(3.0)	0.60%
Supreme Lending	0.14%	(3.0)	1.05%
Fairway Independent Mortgage Corporation	0.15%	(3.0)	3.64%
SecurityNational Mortgage Company	0.20%	(2.5)	0.87%
Castle & Cooke Mortgage	0.20%	(2.5)	4.75%
Guild Mortgage Company	0.21%	(2.5)	5.56%
Austin Capital Bank	0.41%	(1.5)	2.29%
Southwest Funding	0.46%	(1.0)	2.41%

Lender Name	Rate Difference	Rate Rating	Market Share
Patriot Bank	-0.08%	(4.0)	0.76%
BancorpSouth Bank	-0.07%	(4.0)	2.07%
Eagle Bank and Trust Company	-0.06%	(4.0)	1.09%
Guild Mortgage Company	-0.06%	(4.0)	3.59%
Quicken Loans	-0.06%	(4.0)	35.04%
Trustmark National Bank	-0.05%	(3.5)	0.65%
Community Mortgage Corporation	-0.04%	(3.5)	1.20%
Caliber Home Loans	-0.04%	(3.5)	1.41%
Southwest Funding	-0.04%	(3.5)	0.65%
BankPlus	-0.03%	(3.5)	0.22%
NewRez	-0.03%	(3.5)	0.76%
Triumph Bank	-0.03%	(3.5)	0.54%
PennyMac Loan Services	-0.03%	(3.5)	2.83%
RoundPoint Mortgage Servicing Corporation	-0.02%	(3.5)	0.76%
American Mortgage Service Company	-0.02%	(3.5)	0.22%
Pinnacle Financial Partners	-0.02%	(3.5)	0.87%
Financial Federal Bank	-0.02%	(3.5)	0.11%
Village Capital	-0.02%	(3.5)	2.29%
First Federal Bank of Florida	-0.02%	(3.5)	0.22%
Castle & Cooke Mortgage	-0.02%	(3.5)	0.22%
Sierra Pacific Mortgage	-0.01%	(3.5)	0.22%
Bank of England AR	-0.01%	(3.5)	0.65%
Synergy One Lending	-0.01%	(3.5)	0.87%
IBERIABANK	-0.01%	(3.5)	0.44%
Independent Bank Tennessee	-0.01%	(3.5)	0.11%
SunTrust Bank	-0.01%	(3.5)	0.22%
SecurityNational Mortgage Company	-0.01%	(3.5)	0.11%
New American Funding	-0.01%	(3.5)	0.76%
PrimeLending	-0.00%	(3.5)	0.54%
US Bank	-0.00%	(3.5)	0.11%
Churchill Mortgage	-0.00%	(3.5)	0.11%
Integrity Mortgage Group	-0.00%	(3.5)	0.22%
Renasant Bank	0.00%	(3.5)	0.44%
Crescent Mortgage Company	0.00%	(3.5)	0.11%
First Citizens National Bank	0.00%	(3.5)	0.11%
Amerisave Mortgage Corporation	0.00%	(3.5)	0.98%
Carrington Mortgage Services	0.00%	(3.5)	8.27%
Leaders Credit Union	0.01%	(3.5)	0.22%
PRMG Mortgage	0.01%	(3.5)	0.54%
The Federal Savings Bank	0.01%	(3.5)	0.11%
Lakeview Loan Servicing	0.01%	(3.5)	2.07%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	1.74%
Mortgage Investors Group	0.01%	(3.5)	0.33%
Evolve Bank & Trust	0.02%	(3.5)	0.87%
JPMorgan Chase Bank	0.03%	(3.5)	0.11%
NewDay USA	0.03%	(3.5)	0.11%
Reliance First Capital	0.03%	(3.5)	2.94%
Supreme Lending	0.03%	(3.5)	0.54%
Flagstar Bank	0.04%	(3.5)	0.44%
Regions Bank	0.04%	(3.5)	1.09%
Freedom Mortgage Corporation	0.06%	(3.0)	4.35%
Austin Capital Bank	0.06%	(3.0)	0.44%
loanDepot	0.16%	(2.5)	6.09%
Mr. Cooper	0.16%	(2.5)	8.27%

Lender Name	Rate Difference	Rate Rating	Market Share
First Horizon Bank	-0.05%	(3.5)	14.15%
SunTrust Bank	-0.04%	(3.5)	7.32%
Bank of America	-0.04%	(3.5)	5.37%
Wells Fargo Bank	-0.03%	(3.5)	6.83%
Regions Bank	-0.03%	(3.5)	6.34%
Trustmark National Bank	-0.01%	(3.5)	1.46%
Flagstar Bank	-0.01%	(3.5)	0.49%
Community Mortgage Corporation	-0.01%	(3.5)	2.44%
TIAA Bank	-0.01%	(3.5)	0.49%
Mortgage Investors Group	-0.00%	(3.5)	0.98%
Guaranty Home Mortgage Corporation	-0.00%	(3.5)	0.49%
JPMorgan Chase Bank	-0.00%	(3.5)	10.73%
IBERIABANK	-0.00%	(3.5)	4.88%
Synergy One Lending	0.00%	(3.5)	0.49%
Financial Federal Bank	0.00%	(3.5)	0.49%
FirstBank TN	0.00%	(3.5)	0.49%
Supreme Lending	0.00%	(3.5)	0.98%
Renasant Bank	0.00%	(3.5)	4.88%
Evolve Bank & Trust	0.01%	(3.5)	0.49%
Navy Federal Credit Union	0.01%	(3.5)	1.46%
First Federal Bank of Florida	0.01%	(3.5)	0.49%
loanDepot	0.01%	(3.5)	0.49%
NewRez	0.02%	(3.5)	0.49%
Triumph Bank	0.02%	(3.5)	2.44%
USAA	0.02%	(3.5)	0.49%
Finance of America Mortgage	0.02%	(3.5)	0.49%
Quicken Loans	0.02%	(3.5)	2.93%
Movement Mortgage	0.02%	(3.5)	0.49%
US Bank	0.03%	(3.5)	4.88%
PrimeLending	0.03%	(3.5)	1.46%
Integrity Mortgage Group	0.03%	(3.5)	0.49%
Pinnacle Financial Partners	0.09%	(3.0)	13.66%

Lender Name	Rate Difference	Rate Rating	Market Share
First Horizon Bank	-0.06%	(4.0)	16.28%
SunTrust Bank	-0.04%	(3.5)	8.53%
Bank of America	-0.03%	(3.5)	3.88%
Wells Fargo Bank	-0.03%	(3.5)	9.30%
Regions Bank	-0.03%	(3.5)	6.20%
JPMorgan Chase Bank	-0.02%	(3.5)	9.30%
Community Mortgage Corporation	-0.01%	(3.5)	1.55%
Trustmark National Bank	-0.01%	(3.5)	2.33%
TIAA Bank	0.00%	(3.5)	0.78%
Mortgage Investors Group	0.00%	(3.5)	1.55%
IBERIABANK	0.01%	(3.5)	6.20%
Synergy One Lending	0.01%	(3.5)	0.78%
Supreme Lending	0.01%	(3.5)	0.78%
Renasant Bank	0.01%	(3.5)	3.10%
Evolve Bank & Trust	0.01%	(3.5)	0.78%
Quicken Loans	0.01%	(3.5)	0.78%
Navy Federal Credit Union	0.02%	(3.5)	2.33%
First Federal Bank of Florida	0.02%	(3.5)	0.78%
Triumph Bank	0.02%	(3.5)	1.55%
USAA	0.02%	(3.5)	0.78%
Finance of America Mortgage	0.03%	(3.5)	0.78%
Movement Mortgage	0.03%	(3.5)	0.78%
US Bank	0.03%	(3.5)	2.33%
PrimeLending	0.03%	(3.5)	2.33%
Integrity Mortgage Group	0.04%	(3.5)	0.78%
Pinnacle Financial Partners	0.11%	(3.0)	15.50%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.04%	(3.5)	7.89%
Regions Bank	-0.03%	(3.5)	6.58%
SunTrust Bank	-0.03%	(3.5)	5.26%
Flagstar Bank	-0.02%	(3.5)	1.32%
Guaranty Home Mortgage Corporation	-0.01%	(3.5)	1.32%
Community Mortgage Corporation	-0.01%	(3.5)	3.95%
IBERIABANK	-0.01%	(3.5)	2.63%
Supreme Lending	-0.01%	(3.5)	1.32%
Financial Federal Bank	-0.01%	(3.5)	1.32%
FirstBank TN	-0.01%	(3.5)	1.32%
Renasant Bank	-0.01%	(3.5)	7.89%
First Horizon Bank	-0.01%	(3.5)	10.53%
Wells Fargo Bank	-0.00%	(3.5)	2.63%
loanDepot	0.00%	(3.5)	1.32%
NewRez	0.00%	(3.5)	1.32%
Triumph Bank	0.01%	(3.5)	3.95%
Quicken Loans	0.01%	(3.5)	6.58%
US Bank	0.01%	(3.5)	9.21%
JPMorgan Chase Bank	0.01%	(3.5)	13.16%
Pinnacle Financial Partners	0.06%	(3.0)	10.53%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.25%	(5.0)	11.20%
Patriot Bank	-0.16%	(4.5)	4.26%
Caliber Home Loans	-0.12%	(4.0)	1.05%
PennyMac Loan Services	-0.12%	(4.0)	3.00%
Lakeview Loan Servicing	-0.10%	(4.0)	1.63%
Trustmark National Bank	-0.10%	(4.0)	1.42%
Village Capital	-0.07%	(4.0)	1.10%
IBERIABANK	-0.07%	(4.0)	1.42%
Regions Bank	-0.04%	(3.5)	0.79%
Eagle Bank and Trust Company	-0.03%	(3.5)	1.68%
Independent Bank Tennessee	-0.03%	(3.5)	0.84%
BancorpSouth Bank	-0.02%	(3.5)	1.16%
NBKC Bank	-0.02%	(3.5)	0.89%
Triumph Bank	-0.01%	(3.5)	0.53%
Community Bank of Mississippi	-0.01%	(3.5)	0.26%
Sierra Pacific Mortgage	-0.01%	(3.5)	0.32%
Gateway First Bank	-0.01%	(3.5)	0.21%
Financial Federal Bank	-0.01%	(3.5)	0.26%
NewRez	-0.00%	(3.5)	0.47%
FedEx Employees Credit Association	0.00%	(3.5)	0.16%
USAA	0.00%	(3.5)	9.10%
First Citizens National Bank	0.00%	(3.5)	0.05%
SunTrust Bank	0.00%	(3.5)	0.47%
Renasant Bank	0.00%	(3.5)	0.53%
First Horizon Bank	0.00%	(3.5)	0.21%
FirstBank TN	0.00%	(3.5)	0.16%
loanDepot	0.01%	(3.5)	3.68%
American Mortgage Service Company	0.01%	(3.5)	0.11%
First Federal Bank of Florida	0.01%	(3.5)	1.32%
Crescent Mortgage Company	0.01%	(3.5)	0.21%
US Bank	0.01%	(3.5)	0.21%
RoundPoint Mortgage Servicing Corporation	0.01%	(3.5)	0.11%
Churchill Mortgage	0.01%	(3.5)	0.21%
JPMorgan Chase Bank	0.01%	(3.5)	0.11%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.63%
Mortgage Investors Group	0.02%	(3.5)	2.42%
New American Funding	0.02%	(3.5)	0.47%
Simmons Bank	0.02%	(3.5)	0.11%
Integrity Mortgage Group	0.03%	(3.5)	0.68%
Bank of America	0.03%	(3.5)	0.16%
Castle & Cooke Mortgage	0.03%	(3.5)	0.74%
Community Mortgage Corporation	0.03%	(3.5)	8.89%
Flagstar Bank	0.03%	(3.5)	0.84%
Guaranty Home Mortgage Corporation	0.04%	(3.5)	0.21%
Finance of America Mortgage	0.04%	(3.5)	0.21%
Supreme Lending	0.04%	(3.5)	0.42%
Wells Fargo Bank	0.05%	(3.0)	0.89%
Bank of England AR	0.05%	(3.0)	1.10%
Movement Mortgage	0.05%	(3.0)	0.26%
Pinnacle Financial Partners	0.05%	(3.0)	3.63%
Reliance First Capital	0.07%	(3.0)	0.26%
Carrington Mortgage Services	0.07%	(3.0)	1.58%
PRMG Mortgage	0.08%	(3.0)	0.95%
PrimeLending	0.08%	(3.0)	1.37%
Evolve Bank & Trust	0.08%	(3.0)	0.47%
The Federal Savings Bank	0.08%	(3.0)	2.58%
Synergy One Lending	0.09%	(3.0)	0.58%
Quicken Loans	0.10%	(3.0)	8.63%
Fairway Independent Mortgage Corporation	0.11%	(3.0)	1.68%
Guild Mortgage Company	0.11%	(3.0)	1.95%
Southwest Funding	0.13%	(3.0)	0.42%
Freedom Mortgage Corporation	0.16%	(2.5)	3.52%
Austin Capital Bank	0.17%	(2.5)	1.21%
Mr. Cooper	0.18%	(2.5)	1.53%
NewDay USA	0.36%	(1.5)	2.47%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.25%	(4.5)	15.80%
Patriot Bank	-0.15%	(4.0)	5.62%
Trustmark National Bank	-0.08%	(4.0)	2.19%
IBERIABANK	-0.05%	(4.0)	2.11%
Regions Bank	-0.03%	(3.5)	1.14%
Eagle Bank and Trust Company	-0.01%	(3.5)	2.55%
Independent Bank Tennessee	-0.00%	(3.5)	1.05%
First Federal Bank of Florida	0.00%	(3.5)	0.88%
BancorpSouth Bank	0.00%	(3.5)	1.23%
Community Bank of Mississippi	0.01%	(3.5)	0.35%
Triumph Bank	0.01%	(3.5)	0.79%
Sierra Pacific Mortgage	0.01%	(3.5)	0.44%
NBKC Bank	0.01%	(3.5)	0.88%
Financial Federal Bank	0.02%	(3.5)	0.26%
FedEx Employees Credit Association	0.02%	(3.5)	0.26%
First Citizens National Bank	0.02%	(3.5)	0.09%
Synergy One Lending	0.02%	(3.5)	0.09%
New American Funding	0.03%	(3.5)	0.35%
FirstBank TN	0.03%	(3.5)	0.09%
First Horizon Bank	0.03%	(3.5)	0.09%
PennyMac Loan Services	0.03%	(3.5)	0.35%
Crescent Mortgage Company	0.03%	(3.5)	0.26%
Mr. Cooper	0.03%	(3.5)	0.26%
US Bank	0.03%	(3.5)	0.26%
Renasant Bank	0.03%	(3.5)	0.61%
Churchill Mortgage	0.03%	(3.5)	0.35%
NewRez	0.04%	(3.5)	0.09%
Mortgage Investors Group	0.04%	(3.5)	3.69%
JPMorgan Chase Bank	0.04%	(3.5)	0.09%
American Mortgage Service Company	0.04%	(3.5)	0.09%
USAA	0.04%	(3.5)	12.03%
loanDepot	0.05%	(3.5)	0.26%
SunTrust Bank	0.05%	(3.5)	0.35%
Simmons Bank	0.05%	(3.5)	0.18%
Integrity Mortgage Group	0.05%	(3.5)	1.05%
Caliber Home Loans	0.05%	(3.5)	0.18%
Bank of America	0.05%	(3.0)	0.26%
The Federal Savings Bank	0.06%	(3.0)	0.18%
Community Mortgage Corporation	0.06%	(3.0)	14.05%
Guaranty Home Mortgage Corporation	0.06%	(3.0)	0.35%
Carrington Mortgage Services	0.06%	(3.0)	0.26%
Castle & Cooke Mortgage	0.06%	(3.0)	1.05%
Supreme Lending	0.07%	(3.0)	0.61%
Finance of America Mortgage	0.07%	(3.0)	0.26%
NewDay USA	0.07%	(3.0)	0.26%
Wells Fargo Bank	0.08%	(3.0)	1.32%
Movement Mortgage	0.08%	(3.0)	0.44%
Pinnacle Financial Partners	0.08%	(3.0)	5.62%
Freedom Mortgage Corporation	0.08%	(3.0)	1.58%
Flagstar Bank	0.08%	(3.0)	0.97%
Bank of England AR	0.10%	(3.0)	1.32%
PrimeLending	0.11%	(3.0)	2.11%
Evolve Bank & Trust	0.11%	(3.0)	0.70%
Quicken Loans	0.12%	(3.0)	4.13%
PRMG Mortgage	0.14%	(3.0)	0.97%
Southwest Funding	0.15%	(2.5)	0.70%
Fairway Independent Mortgage Corporation	0.18%	(2.5)	2.11%
Guild Mortgage Company	0.19%	(2.5)	2.46%
Austin Capital Bank	0.20%	(2.5)	1.93%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.19%	(4.5)	4.33%
Caliber Home Loans	-0.17%	(4.5)	2.36%
PennyMac Loan Services	-0.16%	(4.5)	6.96%
Patriot Bank	-0.15%	(4.5)	2.23%
Lakeview Loan Servicing	-0.14%	(4.0)	4.07%
USAA	-0.11%	(4.0)	4.72%
Village Capital	-0.11%	(4.0)	2.76%
Guild Mortgage Company	-0.09%	(4.0)	1.18%
Fairway Independent Mortgage Corporation	-0.08%	(4.0)	1.05%
Community Mortgage Corporation	-0.07%	(4.0)	1.18%
NBKC Bank	-0.06%	(4.0)	0.92%
Independent Bank Tennessee	-0.06%	(4.0)	0.52%
Flagstar Bank	-0.05%	(4.0)	0.66%
SunTrust Bank	-0.05%	(4.0)	0.66%
Financial Federal Bank	-0.05%	(3.5)	0.26%
Trustmark National Bank	-0.05%	(3.5)	0.26%
Castle & Cooke Mortgage	-0.05%	(3.5)	0.26%
Gateway First Bank	-0.05%	(3.5)	0.52%
BancorpSouth Bank	-0.04%	(3.5)	1.05%
Bank of England AR	-0.04%	(3.5)	0.79%
Renasant Bank	-0.04%	(3.5)	0.39%
PrimeLending	-0.04%	(3.5)	0.26%
American Mortgage Service Company	-0.04%	(3.5)	0.13%
NewRez	-0.04%	(3.5)	1.05%
Community Bank of Mississippi	-0.03%	(3.5)	0.13%
IBERIABANK	-0.03%	(3.5)	0.39%
Sierra Pacific Mortgage	-0.03%	(3.5)	0.13%
loanDepot	-0.03%	(3.5)	8.79%
Triumph Bank	-0.03%	(3.5)	0.13%
First Horizon Bank	-0.03%	(3.5)	0.39%
FirstBank TN	-0.03%	(3.5)	0.26%
Evolve Bank & Trust	-0.03%	(3.5)	0.13%
RoundPoint Mortgage Servicing Corporation	-0.02%	(3.5)	0.26%
Pinnacle Financial Partners	-0.02%	(3.5)	0.66%
JPMorgan Chase Bank	-0.02%	(3.5)	0.13%
Supreme Lending	-0.02%	(3.5)	0.13%
Amerisave Mortgage Corporation	-0.02%	(3.5)	1.57%
Finance of America Mortgage	-0.02%	(3.5)	0.13%
Eagle Bank and Trust Company	-0.02%	(3.5)	0.39%
Crescent Mortgage Company	-0.02%	(3.5)	0.13%
US Bank	-0.02%	(3.5)	0.13%
Austin Capital Bank	-0.01%	(3.5)	0.13%
PRMG Mortgage	-0.01%	(3.5)	0.92%
First Federal Bank of Florida	-0.01%	(3.5)	1.97%
New American Funding	-0.00%	(3.5)	0.66%
Mortgage Investors Group	0.00%	(3.5)	0.52%
Integrity Mortgage Group	0.00%	(3.5)	0.13%
Wells Fargo Bank	0.00%	(3.5)	0.26%
Regions Bank	0.02%	(3.5)	0.26%
Reliance First Capital	0.03%	(3.5)	0.66%
Carrington Mortgage Services	0.04%	(3.5)	3.54%
The Federal Savings Bank	0.05%	(3.0)	6.17%
Quicken Loans	0.06%	(3.0)	15.35%
Synergy One Lending	0.07%	(3.0)	1.31%
Freedom Mortgage Corporation	0.16%	(2.5)	6.43%
Mr. Cooper	0.17%	(2.5)	3.41%
NewDay USA	0.34%	(2.0)	5.77%

* Data is compiled for the Memphis, TN commuting zone area, which comprises of counties of Crittenden County, AR, DeSoto County, MS, Tate County, MS, Tunica County, MS, Fayette County, TN, Lauderdale County, TN, Shelby County, TN, and Tipton County, TN. This includes cities/towns/communities of Memphis, TN as well as Southaven, MS, Bartlett, TN, Collierville, TN, Olive Branch, MS, Germantown, TN, Hernando, MS, Oakland, TN, Horn Lake, MS, Lakeland, TN, Arlington, TN, Atoka, TN, Munford, TN, West Memphis, AR, Millington, TN, Marion, AR, Coldwater, MS, Bridgetown, MS, Senatobia, MS, Walls, MS, Covington, TN, Piperton, TN, Somerville, TN, Ripley, TN, Brighton, TN, Burlison, TN, Turrell, AR, Gallaway, TN, Halls, TN, Moscow, TN, Edmondson, AR, White Oak, MS, Mason, TN, Gilt Edge, TN, Gates, TN, North Tunica, MS, Earle, AR, and Henning, TN. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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