Top Mortgage Lenders in Eugene, OR

Which mortgage lender in the Eugene, OR 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 Eugene, OR 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 Eugene, OR area in terms of interest rate is Oregon Community Credit Union, with an average “Rate Difference” of -0.38%. This means that, comparing similar borrowers, Oregon Community Credit Union provided a -0.38% lower interest rate for its customers than other lenders in the area. Oregon Community Credit Union has a market share of 3.0%. On the other hand, the most popular lender in the Eugene, OR area is Quicken Loans, with a larger market share of 9.4%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.10% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Eugene, OR 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 Eugene, OR is Oregon Community Credit Union. 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 Bank of America. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is CMG Financial. 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 Eugene, OR

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
Oregon Community Credit Union	-0.38%	(5.0)	3.00%
Provident Funding	-0.24%	(4.5)	0.73%
SELCO Community Credit Union	-0.24%	(4.5)	0.66%
First Technology Credit Union	-0.22%	(4.5)	1.21%
First Community Credit Union Oregon	-0.20%	(4.5)	0.26%
CMG Financial	-0.19%	(4.5)	3.22%
DHI Mortgage Company Limited	-0.15%	(4.0)	0.45%
Sovereign Lending Group	-0.14%	(4.0)	0.21%
FirstBank TN	-0.13%	(4.0)	0.24%
US Bank	-0.13%	(4.0)	2.89%
OnPoint Community Credit Union	-0.13%	(4.0)	0.76%
Bank of America	-0.12%	(4.0)	0.78%
loanDepot	-0.12%	(4.0)	3.10%
Amerisave Mortgage Corporation	-0.12%	(4.0)	0.46%
Navy Federal Credit Union	-0.11%	(4.0)	0.45%
Maps Credit Union	-0.08%	(4.0)	0.38%
Keller Mortgage	-0.07%	(4.0)	0.36%
Columbia Bank	-0.07%	(4.0)	0.33%
Cherry Creek Mortgage	-0.07%	(4.0)	0.73%
Caliber Home Loans	-0.07%	(4.0)	6.39%
NewRez	-0.07%	(4.0)	0.39%
Mortgage Express	-0.07%	(4.0)	1.61%
Northwest Community Credit Union	-0.07%	(4.0)	0.75%
USAA	-0.06%	(4.0)	1.15%
Washington Trust Bank	-0.06%	(4.0)	0.23%
Nations Direct Mortgage	-0.05%	(4.0)	1.17%
Plaza Home Mortgage	-0.05%	(4.0)	0.58%
NBKC Bank	-0.04%	(3.5)	0.23%
Home Point Financial Corporation	-0.04%	(3.5)	0.38%
Unitus Community Credit Union	-0.04%	(3.5)	0.35%
KeyBank	-0.04%	(3.5)	1.59%
New American Funding	-0.03%	(3.5)	0.55%
Cardinal Financial Company	-0.03%	(3.5)	0.27%
HomeServices Lending	-0.03%	(3.5)	0.40%
Banner Bank	-0.03%	(3.5)	0.46%
HomeBridge Financial Services	-0.03%	(3.5)	1.14%
Stearns Home Loans	-0.02%	(3.5)	1.06%
Churchill Mortgage	-0.02%	(3.5)	0.25%
Fairway Independent Mortgage Corporation	-0.02%	(3.5)	2.06%
Sierra Pacific Mortgage	-0.02%	(3.5)	1.05%
Landmark Professional Mortgage Corporation	-0.01%	(3.5)	2.69%
Washington Federal	-0.01%	(3.5)	0.18%
Guaranteed Rate	-0.00%	(3.5)	0.15%
Primary Residential Mortgage Inc	-0.00%	(3.5)	0.27%
JPMorgan Chase Bank	0.00%	(3.5)	1.39%
Summit Mortgage Corporation OR WA	0.00%	(3.5)	0.20%
Lakeview Loan Servicing	0.01%	(3.5)	0.47%
Evergreen Moneysource Mortgage Company	0.01%	(3.5)	0.58%
Movement Mortgage	0.01%	(3.5)	1.15%
Synergy One Lending	0.02%	(3.5)	0.33%
PennyMac Loan Services	0.03%	(3.5)	1.25%
American Financing	0.03%	(3.5)	0.40%
Commerce Home Mortgage	0.04%	(3.5)	0.42%
Mortgage Solutions Financial	0.04%	(3.5)	0.15%
Supreme Lending	0.04%	(3.5)	0.26%
American Pacific Mortgage	0.05%	(3.5)	1.06%
Guild Mortgage Company	0.05%	(3.0)	5.80%
Willamette Valley Bank	0.06%	(3.0)	0.76%
Flagstar Bank	0.06%	(3.0)	3.42%
The Federal Savings Bank	0.07%	(3.0)	0.49%
Wells Fargo Bank	0.08%	(3.0)	2.84%
Directors Mortgage	0.08%	(3.0)	1.55%
Summit Funding Inc	0.08%	(3.0)	2.74%
Carrington Mortgage Services	0.09%	(3.0)	0.60%
Quicken Loans	0.10%	(3.0)	9.38%
Finance of America Mortgage	0.10%	(3.0)	4.64%
Academy Mortgage Corporation Utah	0.11%	(3.0)	3.04%
Umpqua Bank	0.11%	(3.0)	3.55%
Homeside Financial	0.13%	(3.0)	0.18%
Mann Mortgage	0.13%	(3.0)	1.83%
Nations Lending Corporation	0.14%	(3.0)	0.29%
Freedom Mortgage Corporation	0.14%	(3.0)	1.07%
Waterstone Mortgage Corporation	0.16%	(2.5)	0.35%
HomeStreet Bank	0.16%	(2.5)	0.85%
Pacific Residential Mortgage	0.19%	(2.5)	2.35%
Mr. Cooper	0.20%	(2.5)	0.83%
NewDay USA	0.41%	(1.5)	0.22%

Lender Name	Rate Difference	Rate Rating	Market Share
Oregon Community Credit Union	-0.26%	(5.0)	2.11%
CMG Financial	-0.23%	(4.5)	3.30%
US Bank	-0.23%	(4.5)	2.38%
First Technology Credit Union	-0.21%	(4.5)	0.96%
Bank of America	-0.19%	(4.5)	0.89%
JPMorgan Chase Bank	-0.17%	(4.5)	1.11%
DHI Mortgage Company Limited	-0.15%	(4.0)	0.92%
First Community Credit Union Oregon	-0.13%	(4.0)	0.19%
Navy Federal Credit Union	-0.12%	(4.0)	0.66%
KeyBank	-0.11%	(4.0)	0.91%
loanDepot	-0.11%	(4.0)	1.95%
Cherry Creek Mortgage	-0.10%	(4.0)	0.90%
Provident Funding	-0.10%	(4.0)	0.31%
Wells Fargo Bank	-0.10%	(4.0)	2.56%
SELCO Community Credit Union	-0.08%	(4.0)	0.23%
Keller Mortgage	-0.08%	(4.0)	0.63%
FirstBank TN	-0.08%	(4.0)	0.18%
Caliber Home Loans	-0.08%	(4.0)	7.12%
Columbia Bank	-0.08%	(4.0)	0.18%
Mortgage Express	-0.08%	(4.0)	2.16%
USAA	-0.07%	(4.0)	1.47%
Plaza Home Mortgage	-0.06%	(4.0)	0.68%
Northwest Community Credit Union	-0.06%	(4.0)	0.53%
Washington Trust Bank	-0.06%	(4.0)	0.45%
Maps Credit Union	-0.05%	(4.0)	0.31%
Churchill Mortgage	-0.05%	(4.0)	0.30%
Unitus Community Credit Union	-0.05%	(4.0)	0.26%
Nations Direct Mortgage	-0.04%	(3.5)	1.02%
HomeBridge Financial Services	-0.04%	(3.5)	1.29%
Home Point Financial Corporation	-0.03%	(3.5)	0.38%
NBKC Bank	-0.03%	(3.5)	0.19%
PennyMac Loan Services	-0.03%	(3.5)	0.23%
HomeServices Lending	-0.03%	(3.5)	0.75%
Quicken Loans	-0.03%	(3.5)	4.17%
OnPoint Community Credit Union	-0.02%	(3.5)	0.78%
Landmark Professional Mortgage Corporation	-0.02%	(3.5)	3.24%
Banner Bank	-0.02%	(3.5)	0.51%
Sierra Pacific Mortgage	-0.02%	(3.5)	1.18%
Washington Federal	-0.02%	(3.5)	0.28%
Amerisave Mortgage Corporation	-0.02%	(3.5)	0.05%
Stearns Home Loans	-0.01%	(3.5)	1.28%
Sovereign Lending Group	-0.01%	(3.5)	0.01%
Synergy One Lending	-0.00%	(3.5)	0.16%
Guaranteed Rate	0.00%	(3.5)	0.21%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	2.80%
The Federal Savings Bank	0.01%	(3.5)	0.01%
NewRez	0.02%	(3.5)	0.15%
Freedom Mortgage Corporation	0.02%	(3.5)	0.41%
Commerce Home Mortgage	0.02%	(3.5)	0.52%
Summit Mortgage Corporation OR WA	0.02%	(3.5)	0.20%
Nations Lending Corporation	0.03%	(3.5)	0.01%
Evergreen Moneysource Mortgage Company	0.03%	(3.5)	0.86%
Movement Mortgage	0.03%	(3.5)	1.49%
Supreme Lending	0.03%	(3.5)	0.31%
New American Funding	0.03%	(3.5)	0.43%
Mr. Cooper	0.03%	(3.5)	0.16%
Cardinal Financial Company	0.03%	(3.5)	0.13%
Carrington Mortgage Services	0.04%	(3.5)	0.18%
NewDay USA	0.04%	(3.5)	0.07%
Primary Residential Mortgage Inc	0.04%	(3.5)	0.26%
American Pacific Mortgage	0.05%	(3.0)	1.45%
Guild Mortgage Company	0.06%	(3.0)	6.97%
Willamette Valley Bank	0.06%	(3.0)	0.83%
Homeside Financial	0.06%	(3.0)	0.19%
Flagstar Bank	0.06%	(3.0)	4.19%
American Financing	0.06%	(3.0)	0.10%
Mortgage Solutions Financial	0.07%	(3.0)	0.16%
Umpqua Bank	0.07%	(3.0)	4.36%
Directors Mortgage	0.08%	(3.0)	2.30%
Summit Funding Inc	0.11%	(3.0)	4.00%
Academy Mortgage Corporation Utah	0.14%	(3.0)	4.58%
HomeStreet Bank	0.14%	(3.0)	1.28%
Finance of America Mortgage	0.15%	(3.0)	5.82%
Mann Mortgage	0.15%	(2.5)	2.68%
Pacific Residential Mortgage	0.22%	(2.5)	3.25%
Waterstone Mortgage Corporation	0.23%	(2.5)	0.48%

Lender Name	Rate Difference	Rate Rating	Market Share
Oregon Community Credit Union	-0.44%	(5.0)	3.84%
Provident Funding	-0.28%	(5.0)	1.13%
SELCO Community Credit Union	-0.27%	(5.0)	1.08%
First Community Credit Union Oregon	-0.24%	(4.5)	0.32%
OnPoint Community Credit Union	-0.23%	(4.5)	0.75%
First Technology Credit Union	-0.22%	(4.5)	1.45%
FirstBank TN	-0.16%	(4.5)	0.30%
CMG Financial	-0.15%	(4.5)	3.14%
Sovereign Lending Group	-0.15%	(4.0)	0.40%
loanDepot	-0.12%	(4.0)	4.20%
Amerisave Mortgage Corporation	-0.12%	(4.0)	0.85%
Maps Credit Union	-0.09%	(4.0)	0.45%
NewRez	-0.09%	(4.0)	0.61%
Navy Federal Credit Union	-0.08%	(4.0)	0.25%
Columbia Bank	-0.07%	(4.0)	0.47%
Northwest Community Credit Union	-0.07%	(4.0)	0.97%
Fairway Independent Mortgage Corporation	-0.07%	(4.0)	1.35%
New American Funding	-0.07%	(4.0)	0.66%
US Bank	-0.06%	(4.0)	3.37%
Caliber Home Loans	-0.06%	(4.0)	5.68%
Nations Direct Mortgage	-0.06%	(4.0)	1.31%
USAA	-0.06%	(4.0)	0.85%
Mortgage Express	-0.05%	(4.0)	1.08%
NBKC Bank	-0.05%	(4.0)	0.27%
Cardinal Financial Company	-0.05%	(4.0)	0.40%
Home Point Financial Corporation	-0.05%	(4.0)	0.39%
Primary Residential Mortgage Inc	-0.04%	(3.5)	0.28%
Plaza Home Mortgage	-0.04%	(3.5)	0.50%
Stearns Home Loans	-0.04%	(3.5)	0.85%
Banner Bank	-0.03%	(3.5)	0.41%
Unitus Community Credit Union	-0.03%	(3.5)	0.43%
Cherry Creek Mortgage	-0.03%	(3.5)	0.56%
Evergreen Moneysource Mortgage Company	-0.02%	(3.5)	0.30%
Washington Trust Bank	-0.02%	(3.5)	0.02%
Keller Mortgage	-0.02%	(3.5)	0.10%
Bank of America	-0.02%	(3.5)	0.67%
Guaranteed Rate	-0.02%	(3.5)	0.10%
Summit Mortgage Corporation OR WA	-0.02%	(3.5)	0.20%
Movement Mortgage	-0.01%	(3.5)	0.81%
Sierra Pacific Mortgage	-0.01%	(3.5)	0.93%
HomeBridge Financial Services	-0.01%	(3.5)	1.00%
KeyBank	-0.00%	(3.5)	2.25%
Waterstone Mortgage Corporation	-0.00%	(3.5)	0.22%
Landmark Professional Mortgage Corporation	0.00%	(3.5)	2.17%
Mortgage Solutions Financial	0.00%	(3.5)	0.14%
Washington Federal	0.01%	(3.5)	0.09%
Summit Funding Inc	0.01%	(3.5)	1.53%
HomeServices Lending	0.01%	(3.5)	0.06%
Lakeview Loan Servicing	0.01%	(3.5)	0.93%
Academy Mortgage Corporation Utah	0.01%	(3.5)	1.56%
Finance of America Mortgage	0.01%	(3.5)	3.51%
Churchill Mortgage	0.02%	(3.5)	0.20%
Synergy One Lending	0.03%	(3.5)	0.50%
American Financing	0.03%	(3.5)	0.68%
American Pacific Mortgage	0.04%	(3.5)	0.69%
PennyMac Loan Services	0.04%	(3.5)	2.23%
Guild Mortgage Company	0.04%	(3.5)	4.68%
Willamette Valley Bank	0.05%	(3.0)	0.70%
Flagstar Bank	0.06%	(3.0)	2.68%
Commerce Home Mortgage	0.06%	(3.0)	0.33%
Supreme Lending	0.07%	(3.0)	0.22%
The Federal Savings Bank	0.07%	(3.0)	0.95%
Mann Mortgage	0.08%	(3.0)	1.01%
Directors Mortgage	0.09%	(3.0)	0.82%
Carrington Mortgage Services	0.09%	(3.0)	1.01%
JPMorgan Chase Bank	0.11%	(3.0)	1.66%
Quicken Loans	0.13%	(3.0)	14.38%
Pacific Residential Mortgage	0.14%	(3.0)	1.49%
Nations Lending Corporation	0.14%	(3.0)	0.55%
Umpqua Bank	0.17%	(2.5)	2.78%
Freedom Mortgage Corporation	0.17%	(2.5)	1.70%
HomeStreet Bank	0.20%	(2.5)	0.44%
Homeside Financial	0.20%	(2.5)	0.17%
Wells Fargo Bank	0.21%	(2.5)	3.12%
Mr. Cooper	0.22%	(2.5)	1.48%
NewDay USA	0.48%	(1.0)	0.37%

Lender Name	Rate Difference	Rate Rating	Market Share
Oregon Community Credit Union	-0.38%	(5.0)	4.08%
Provident Funding	-0.24%	(4.5)	1.01%
SELCO Community Credit Union	-0.24%	(4.5)	0.92%
First Technology Credit Union	-0.23%	(4.5)	1.59%
First Community Credit Union Oregon	-0.20%	(4.5)	0.36%
CMG Financial	-0.18%	(4.5)	3.23%
DHI Mortgage Company Limited	-0.17%	(4.5)	0.37%
loanDepot	-0.16%	(4.5)	3.09%
FirstBank TN	-0.15%	(4.5)	0.29%
Amerisave Mortgage Corporation	-0.14%	(4.0)	0.49%
US Bank	-0.14%	(4.0)	3.52%
OnPoint Community Credit Union	-0.13%	(4.0)	1.00%
Bank of America	-0.12%	(4.0)	0.88%
Columbia Bank	-0.08%	(4.0)	0.42%
Maps Credit Union	-0.08%	(4.0)	0.52%
Washington Trust Bank	-0.07%	(4.0)	0.25%
NewRez	-0.07%	(4.0)	0.36%
Keller Mortgage	-0.07%	(4.0)	0.38%
Northwest Community Credit Union	-0.07%	(4.0)	0.96%
Mortgage Express	-0.06%	(4.0)	1.74%
Cardinal Financial Company	-0.06%	(4.0)	0.26%
New American Funding	-0.05%	(4.0)	0.49%
Home Point Financial Corporation	-0.05%	(4.0)	0.29%
NBKC Bank	-0.05%	(3.5)	0.20%
USAA	-0.05%	(3.5)	0.60%
Plaza Home Mortgage	-0.05%	(3.5)	0.45%
Cherry Creek Mortgage	-0.04%	(3.5)	0.56%
HomeServices Lending	-0.04%	(3.5)	0.42%
Unitus Community Credit Union	-0.03%	(3.5)	0.49%
Caliber Home Loans	-0.03%	(3.5)	5.83%
KeyBank	-0.03%	(3.5)	2.06%
Fairway Independent Mortgage Corporation	-0.03%	(3.5)	2.05%
Evergreen Moneysource Mortgage Company	-0.03%	(3.5)	0.54%
Nations Direct Mortgage	-0.02%	(3.5)	0.71%
Sovereign Lending Group	-0.02%	(3.5)	0.03%
Churchill Mortgage	-0.02%	(3.5)	0.30%
Washington Federal	-0.01%	(3.5)	0.20%
Primary Residential Mortgage Inc	-0.01%	(3.5)	0.29%
Guaranteed Rate	-0.00%	(3.5)	0.17%
Summit Mortgage Corporation OR WA	-0.00%	(3.5)	0.17%
JPMorgan Chase Bank	0.00%	(3.5)	1.80%
Synergy One Lending	0.00%	(3.5)	0.28%
HomeBridge Financial Services	0.00%	(3.5)	0.87%
Sierra Pacific Mortgage	0.01%	(3.5)	1.05%
The Federal Savings Bank	0.01%	(3.5)	0.03%
Banner Bank	0.02%	(3.5)	0.41%
Stearns Home Loans	0.02%	(3.5)	0.77%
Movement Mortgage	0.04%	(3.5)	1.09%
Landmark Professional Mortgage Corporation	0.04%	(3.5)	2.46%
Navy Federal Credit Union	0.04%	(3.5)	0.24%
Carrington Mortgage Services	0.04%	(3.5)	0.17%
Mortgage Solutions Financial	0.04%	(3.5)	0.06%
Commerce Home Mortgage	0.04%	(3.5)	0.46%
Supreme Lending	0.06%	(3.0)	0.28%
Willamette Valley Bank	0.07%	(3.0)	0.78%
Summit Funding Inc	0.07%	(3.0)	2.69%
Mann Mortgage	0.07%	(3.0)	1.32%
Guild Mortgage Company	0.07%	(3.0)	5.88%
American Financing	0.08%	(3.0)	0.26%
Finance of America Mortgage	0.08%	(3.0)	4.78%
American Pacific Mortgage	0.08%	(3.0)	0.89%
Flagstar Bank	0.09%	(3.0)	3.43%
Wells Fargo Bank	0.09%	(3.0)	3.53%
Quicken Loans	0.11%	(3.0)	10.57%
PennyMac Loan Services	0.11%	(3.0)	0.73%
Lakeview Loan Servicing	0.11%	(3.0)	0.17%
Directors Mortgage	0.11%	(3.0)	1.48%
Academy Mortgage Corporation Utah	0.12%	(3.0)	2.98%
Umpqua Bank	0.13%	(3.0)	3.85%
Freedom Mortgage Corporation	0.14%	(3.0)	0.72%
Nations Lending Corporation	0.15%	(2.5)	0.17%
HomeStreet Bank	0.17%	(2.5)	0.79%
Homeside Financial	0.18%	(2.5)	0.17%
Waterstone Mortgage Corporation	0.18%	(2.5)	0.33%
Pacific Residential Mortgage	0.18%	(2.5)	2.25%
Mr. Cooper	0.28%	(2.0)	0.71%

Lender Name	Rate Difference	Rate Rating	Market Share
Oregon Community Credit Union	-0.28%	(5.0)	2.90%
US Bank	-0.25%	(5.0)	2.90%
Bank of America	-0.23%	(4.5)	0.95%
First Technology Credit Union	-0.22%	(4.5)	1.31%
CMG Financial	-0.21%	(4.5)	3.36%
JPMorgan Chase Bank	-0.18%	(4.5)	1.45%
loanDepot	-0.17%	(4.5)	2.07%
DHI Mortgage Company Limited	-0.17%	(4.5)	0.79%
First Community Credit Union Oregon	-0.13%	(4.0)	0.27%
KeyBank	-0.13%	(4.0)	1.16%
Provident Funding	-0.10%	(4.0)	0.45%
Wells Fargo Bank	-0.10%	(4.0)	3.09%
FirstBank TN	-0.09%	(4.0)	0.22%
Columbia Bank	-0.09%	(4.0)	0.23%
SELCO Community Credit Union	-0.08%	(4.0)	0.33%
Keller Mortgage	-0.08%	(4.0)	0.65%
Washington Trust Bank	-0.08%	(4.0)	0.50%
Plaza Home Mortgage	-0.07%	(4.0)	0.56%
Mortgage Express	-0.07%	(4.0)	2.29%
Northwest Community Credit Union	-0.06%	(4.0)	0.74%
Churchill Mortgage	-0.06%	(4.0)	0.34%
USAA	-0.06%	(4.0)	0.84%
Cherry Creek Mortgage	-0.06%	(4.0)	0.72%
Maps Credit Union	-0.05%	(4.0)	0.43%
Unitus Community Credit Union	-0.05%	(3.5)	0.38%
Home Point Financial Corporation	-0.05%	(3.5)	0.33%
Caliber Home Loans	-0.04%	(3.5)	6.76%
HomeServices Lending	-0.04%	(3.5)	0.83%
PennyMac Loan Services	-0.03%	(3.5)	0.16%
Evergreen Moneysource Mortgage Company	-0.03%	(3.5)	0.76%
NBKC Bank	-0.03%	(3.5)	0.14%
OnPoint Community Credit Union	-0.02%	(3.5)	1.04%
Washington Federal	-0.02%	(3.5)	0.30%
Quicken Loans	-0.02%	(3.5)	4.89%
Amerisave Mortgage Corporation	-0.02%	(3.5)	0.07%
Synergy One Lending	-0.02%	(3.5)	0.15%
Sovereign Lending Group	-0.01%	(3.5)	0.01%
Fairway Independent Mortgage Corporation	-0.00%	(3.5)	2.71%
Guaranteed Rate	0.01%	(3.5)	0.26%
HomeBridge Financial Services	0.01%	(3.5)	1.14%
Freedom Mortgage Corporation	0.01%	(3.5)	0.28%
Carrington Mortgage Services	0.02%	(3.5)	0.03%
American Financing	0.02%	(3.5)	0.04%
Sierra Pacific Mortgage	0.02%	(3.5)	1.06%
New American Funding	0.03%	(3.5)	0.38%
Commerce Home Mortgage	0.03%	(3.5)	0.54%
Summit Mortgage Corporation OR WA	0.03%	(3.5)	0.18%
Nations Direct Mortgage	0.03%	(3.5)	0.66%
Supreme Lending	0.03%	(3.5)	0.39%
Primary Residential Mortgage Inc	0.04%	(3.5)	0.26%
Cardinal Financial Company	0.04%	(3.5)	0.16%
Mann Mortgage	0.05%	(3.0)	1.87%
Mr. Cooper	0.05%	(3.0)	0.11%
Landmark Professional Mortgage Corporation	0.05%	(3.0)	2.84%
Banner Bank	0.06%	(3.0)	0.42%
Mortgage Solutions Financial	0.06%	(3.0)	0.08%
Movement Mortgage	0.06%	(3.0)	1.45%
NewRez	0.06%	(3.0)	0.09%
Willamette Valley Bank	0.07%	(3.0)	0.80%
Homeside Financial	0.08%	(3.0)	0.19%
Guild Mortgage Company	0.08%	(3.0)	7.04%
Navy Federal Credit Union	0.08%	(3.0)	0.37%
American Pacific Mortgage	0.08%	(3.0)	1.21%
Flagstar Bank	0.08%	(3.0)	4.28%
Umpqua Bank	0.09%	(3.0)	4.81%
Summit Funding Inc	0.09%	(3.0)	4.08%
Stearns Home Loans	0.11%	(3.0)	0.83%
Directors Mortgage	0.11%	(3.0)	2.14%
Finance of America Mortgage	0.13%	(3.0)	5.72%
HomeStreet Bank	0.14%	(3.0)	1.16%
Academy Mortgage Corporation Utah	0.16%	(2.5)	4.58%
Pacific Residential Mortgage	0.20%	(2.5)	3.06%
Waterstone Mortgage Corporation	0.28%	(2.0)	0.46%

Lender Name	Rate Difference	Rate Rating	Market Share
Oregon Community Credit Union	-0.44%	(5.0)	5.13%
Provident Funding	-0.28%	(5.0)	1.51%
SELCO Community Credit Union	-0.27%	(5.0)	1.45%
OnPoint Community Credit Union	-0.24%	(4.5)	0.95%
First Community Credit Union Oregon	-0.24%	(4.5)	0.43%
First Technology Credit Union	-0.23%	(4.5)	1.84%
FirstBank TN	-0.18%	(4.5)	0.36%
CMG Financial	-0.15%	(4.5)	3.12%
loanDepot	-0.15%	(4.5)	4.00%
Amerisave Mortgage Corporation	-0.15%	(4.0)	0.87%
Cardinal Financial Company	-0.11%	(4.0)	0.34%
New American Funding	-0.10%	(4.0)	0.58%
Maps Credit Union	-0.09%	(4.0)	0.60%
NewRez	-0.09%	(4.0)	0.60%
Fairway Independent Mortgage Corporation	-0.08%	(4.0)	1.46%
Columbia Bank	-0.07%	(4.0)	0.59%
Navy Federal Credit Union	-0.07%	(4.0)	0.12%
Nations Direct Mortgage	-0.07%	(4.0)	0.75%
Northwest Community Credit Union	-0.07%	(4.0)	1.16%
US Bank	-0.07%	(4.0)	4.08%
Stearns Home Loans	-0.06%	(4.0)	0.71%
NBKC Bank	-0.06%	(4.0)	0.25%
Mortgage Express	-0.06%	(4.0)	1.26%
Home Point Financial Corporation	-0.06%	(4.0)	0.27%
Primary Residential Mortgage Inc	-0.05%	(3.5)	0.31%
USAA	-0.03%	(3.5)	0.39%
Summit Mortgage Corporation OR WA	-0.03%	(3.5)	0.17%
Guaranteed Rate	-0.03%	(3.5)	0.08%
Evergreen Moneysource Mortgage Company	-0.03%	(3.5)	0.35%
Unitus Community Credit Union	-0.03%	(3.5)	0.58%
Sovereign Lending Group	-0.02%	(3.5)	0.05%
Banner Bank	-0.02%	(3.5)	0.40%
Washington Trust Bank	-0.02%	(3.5)	0.02%
Caliber Home Loans	-0.02%	(3.5)	5.00%
Keller Mortgage	-0.02%	(3.5)	0.13%
Bank of America	-0.02%	(3.5)	0.82%
Plaza Home Mortgage	-0.01%	(3.5)	0.36%
Waterstone Mortgage Corporation	-0.01%	(3.5)	0.22%
Cherry Creek Mortgage	-0.01%	(3.5)	0.42%
Movement Mortgage	-0.01%	(3.5)	0.77%
Sierra Pacific Mortgage	-0.01%	(3.5)	1.04%
KeyBank	-0.00%	(3.5)	2.86%
Summit Funding Inc	-0.00%	(3.5)	1.45%
HomeBridge Financial Services	0.00%	(3.5)	0.63%
Mortgage Solutions Financial	0.01%	(3.5)	0.04%
Washington Federal	0.01%	(3.5)	0.12%
Synergy One Lending	0.01%	(3.5)	0.40%
Finance of America Mortgage	0.01%	(3.5)	3.94%
The Federal Savings Bank	0.01%	(3.5)	0.05%
HomeServices Lending	0.02%	(3.5)	0.06%
Academy Mortgage Corporation Utah	0.02%	(3.5)	1.55%
Churchill Mortgage	0.02%	(3.5)	0.27%
Landmark Professional Mortgage Corporation	0.02%	(3.5)	2.13%
Carrington Mortgage Services	0.04%	(3.5)	0.29%
Guild Mortgage Company	0.06%	(3.0)	4.84%
Willamette Valley Bank	0.07%	(3.0)	0.76%
Commerce Home Mortgage	0.07%	(3.0)	0.39%
American Pacific Mortgage	0.07%	(3.0)	0.62%
American Financing	0.08%	(3.0)	0.46%
Flagstar Bank	0.09%	(3.0)	2.67%
Supreme Lending	0.10%	(3.0)	0.18%
Mann Mortgage	0.10%	(3.0)	0.83%
Directors Mortgage	0.11%	(3.0)	0.89%
Lakeview Loan Servicing	0.11%	(3.0)	0.31%
JPMorgan Chase Bank	0.11%	(3.0)	2.11%
PennyMac Loan Services	0.13%	(3.0)	1.24%
Quicken Loans	0.15%	(3.0)	15.63%
Nations Lending Corporation	0.16%	(2.5)	0.31%
Pacific Residential Mortgage	0.16%	(2.5)	1.53%
Freedom Mortgage Corporation	0.17%	(2.5)	1.10%
Umpqua Bank	0.19%	(2.5)	3.00%
Wells Fargo Bank	0.23%	(2.5)	3.93%
HomeStreet Bank	0.23%	(2.5)	0.45%
Homeside Financial	0.28%	(2.0)	0.16%
Mr. Cooper	0.30%	(2.0)	1.24%

Lender Name	Rate Difference	Rate Rating	Market Share
CMG Financial	-0.26%	(5.0)	3.08%
Caliber Home Loans	-0.18%	(4.5)	7.68%
Cherry Creek Mortgage	-0.18%	(4.5)	1.36%
Landmark Professional Mortgage Corporation	-0.17%	(4.5)	4.02%
DHI Mortgage Company Limited	-0.15%	(4.5)	0.84%
Bank of America	-0.15%	(4.0)	0.26%
Banner Bank	-0.14%	(4.0)	0.78%
Nations Direct Mortgage	-0.14%	(4.0)	1.36%
Mortgage Express	-0.13%	(4.0)	1.56%
Keller Mortgage	-0.13%	(4.0)	0.39%
Stearns Home Loans	-0.12%	(4.0)	2.17%
Sierra Pacific Mortgage	-0.11%	(4.0)	1.39%
HomeBridge Financial Services	-0.10%	(4.0)	2.27%
NewRez	-0.09%	(4.0)	0.65%
Plaza Home Mortgage	-0.08%	(4.0)	0.91%
Movement Mortgage	-0.06%	(4.0)	1.78%
HomeServices Lending	-0.05%	(4.0)	0.26%
Churchill Mortgage	-0.05%	(4.0)	0.16%
Sovereign Lending Group	-0.05%	(3.5)	0.10%
US Bank	-0.04%	(3.5)	0.58%
NBKC Bank	-0.03%	(3.5)	0.13%
Guild Mortgage Company	-0.03%	(3.5)	6.68%
Home Point Financial Corporation	-0.03%	(3.5)	0.49%
American Financing	-0.02%	(3.5)	0.97%
KeyBank	-0.02%	(3.5)	0.10%
Quicken Loans	-0.02%	(3.5)	6.74%
FirstBank TN	-0.02%	(3.5)	0.06%
New American Funding	-0.01%	(3.5)	0.91%
The Federal Savings Bank	-0.01%	(3.5)	0.10%
American Pacific Mortgage	-0.01%	(3.5)	2.01%
Fairway Independent Mortgage Corporation	-0.01%	(3.5)	2.63%
Directors Mortgage	-0.01%	(3.5)	1.91%
Supreme Lending	-0.01%	(3.5)	0.23%
Commerce Home Mortgage	-0.00%	(3.5)	0.45%
Guaranteed Rate	-0.00%	(3.5)	0.03%
OnPoint Community Credit Union	-0.00%	(3.5)	0.10%
Amerisave Mortgage Corporation	-0.00%	(3.5)	0.26%
Synergy One Lending	0.00%	(3.5)	0.29%
Washington Trust Bank	0.00%	(3.5)	0.26%
Mortgage Solutions Financial	0.01%	(3.5)	0.26%
Primary Residential Mortgage Inc	0.01%	(3.5)	0.23%
Oregon Community Credit Union	0.01%	(3.5)	0.16%
Willamette Valley Bank	0.01%	(3.5)	0.97%
Summit Mortgage Corporation OR WA	0.01%	(3.5)	0.36%
Flagstar Bank	0.01%	(3.5)	3.40%
Umpqua Bank	0.02%	(3.5)	2.46%
Lakeview Loan Servicing	0.02%	(3.5)	1.26%
Homeside Financial	0.03%	(3.5)	0.32%
Wells Fargo Bank	0.03%	(3.5)	0.13%
Cardinal Financial Company	0.04%	(3.5)	0.42%
loanDepot	0.06%	(3.0)	2.30%
PennyMac Loan Services	0.06%	(3.0)	1.94%
Mr. Cooper	0.07%	(3.0)	1.72%
Carrington Mortgage Services	0.09%	(3.0)	2.30%
Academy Mortgage Corporation Utah	0.09%	(3.0)	3.99%
Nations Lending Corporation	0.10%	(3.0)	0.71%
Freedom Mortgage Corporation	0.11%	(3.0)	2.14%
Evergreen Moneysource Mortgage Company	0.11%	(3.0)	1.00%
Waterstone Mortgage Corporation	0.12%	(3.0)	0.49%
Summit Funding Inc	0.13%	(3.0)	3.18%
HomeStreet Bank	0.14%	(3.0)	1.10%
Finance of America Mortgage	0.22%	(2.5)	5.64%
Mann Mortgage	0.23%	(2.5)	4.80%
Pacific Residential Mortgage	0.27%	(2.0)	2.76%

Lender Name	Rate Difference	Rate Rating	Market Share
CMG Financial	-0.33%	(5.0)	2.93%
Cherry Creek Mortgage	-0.22%	(4.5)	1.59%
Caliber Home Loans	-0.20%	(4.5)	7.60%
Landmark Professional Mortgage Corporation	-0.20%	(4.5)	4.77%
Nations Direct Mortgage	-0.18%	(4.5)	1.39%
HomeBridge Financial Services	-0.18%	(4.5)	2.00%
Banner Bank	-0.17%	(4.5)	0.92%
DHI Mortgage Company Limited	-0.15%	(4.5)	1.33%
Bank of America	-0.15%	(4.0)	0.41%
Mortgage Express	-0.15%	(4.0)	2.00%
Stearns Home Loans	-0.15%	(4.0)	2.77%
Sierra Pacific Mortgage	-0.13%	(4.0)	1.75%
Keller Mortgage	-0.13%	(4.0)	0.62%
Quicken Loans	-0.10%	(4.0)	2.52%
US Bank	-0.08%	(4.0)	0.46%
Plaza Home Mortgage	-0.08%	(4.0)	1.18%
Movement Mortgage	-0.07%	(4.0)	2.00%
NewRez	-0.06%	(4.0)	0.31%
HomeServices Lending	-0.06%	(4.0)	0.41%
Churchill Mortgage	-0.06%	(4.0)	0.26%
PennyMac Loan Services	-0.05%	(3.5)	0.15%
Guild Mortgage Company	-0.04%	(3.5)	7.65%
FirstBank TN	-0.03%	(3.5)	0.05%
Home Point Financial Corporation	-0.03%	(3.5)	0.56%
NBKC Bank	-0.03%	(3.5)	0.10%
KeyBank	-0.03%	(3.5)	0.10%
Wells Fargo Bank	-0.02%	(3.5)	0.05%
Supreme Lending	-0.02%	(3.5)	0.05%
Fairway Independent Mortgage Corporation	-0.01%	(3.5)	3.44%
Mr. Cooper	-0.01%	(3.5)	0.31%
Directors Mortgage	-0.01%	(3.5)	2.72%
American Pacific Mortgage	-0.00%	(3.5)	2.62%
Commerce Home Mortgage	-0.00%	(3.5)	0.62%
OnPoint Community Credit Union	-0.00%	(3.5)	0.10%
Summit Mortgage Corporation OR WA	-0.00%	(3.5)	0.36%
Washington Trust Bank	0.00%	(3.5)	0.41%
Oregon Community Credit Union	0.00%	(3.5)	0.26%
Mortgage Solutions Financial	0.01%	(3.5)	0.21%
New American Funding	0.01%	(3.5)	0.56%
Umpqua Bank	0.01%	(3.5)	3.08%
Nations Lending Corporation	0.01%	(3.5)	0.05%
Flagstar Bank	0.02%	(3.5)	4.00%
Willamette Valley Bank	0.02%	(3.5)	1.03%
Homeside Financial	0.02%	(3.5)	0.31%
Freedom Mortgage Corporation	0.02%	(3.5)	0.92%
Carrington Mortgage Services	0.03%	(3.5)	0.67%
Primary Residential Mortgage Inc	0.03%	(3.5)	0.21%
Synergy One Lending	0.03%	(3.5)	0.15%
loanDepot	0.07%	(3.0)	1.64%
American Financing	0.07%	(3.0)	0.41%
Evergreen Moneysource Mortgage Company	0.11%	(3.0)	1.54%
Academy Mortgage Corporation Utah	0.11%	(3.0)	5.08%
Waterstone Mortgage Corporation	0.14%	(3.0)	0.62%
HomeStreet Bank	0.15%	(3.0)	1.49%
Summit Funding Inc	0.18%	(2.5)	3.64%
Finance of America Mortgage	0.25%	(2.5)	7.65%
Mann Mortgage	0.28%	(2.0)	6.06%
Pacific Residential Mortgage	0.29%	(2.0)	3.90%

Lender Name	Rate Difference	Rate Rating	Market Share
CMG Financial	-0.17%	(4.5)	3.34%
Caliber Home Loans	-0.16%	(4.5)	7.83%
NewRez	-0.10%	(4.0)	1.23%
Landmark Professional Mortgage Corporation	-0.10%	(4.0)	2.73%
Plaza Home Mortgage	-0.09%	(4.0)	0.44%
Cherry Creek Mortgage	-0.06%	(4.0)	0.97%
Banner Bank	-0.05%	(4.0)	0.53%
American Financing	-0.05%	(4.0)	1.93%
Nations Direct Mortgage	-0.05%	(4.0)	1.32%
Sovereign Lending Group	-0.04%	(3.5)	0.26%
Movement Mortgage	-0.04%	(3.5)	1.41%
Sierra Pacific Mortgage	-0.04%	(3.5)	0.79%
Mortgage Express	-0.04%	(3.5)	0.79%
Directors Mortgage	-0.03%	(3.5)	0.53%
American Pacific Mortgage	-0.03%	(3.5)	0.97%
NBKC Bank	-0.03%	(3.5)	0.18%
Primary Residential Mortgage Inc	-0.02%	(3.5)	0.26%
Stearns Home Loans	-0.02%	(3.5)	1.14%
Home Point Financial Corporation	-0.02%	(3.5)	0.35%
New American Funding	-0.02%	(3.5)	1.50%
Commerce Home Mortgage	-0.02%	(3.5)	0.18%
KeyBank	-0.01%	(3.5)	0.09%
Synergy One Lending	-0.01%	(3.5)	0.53%
Guild Mortgage Company	-0.01%	(3.5)	5.01%
Willamette Valley Bank	-0.01%	(3.5)	0.88%
The Federal Savings Bank	-0.01%	(3.5)	0.26%
Flagstar Bank	-0.01%	(3.5)	2.37%
OnPoint Community Credit Union	-0.00%	(3.5)	0.09%
Summit Funding Inc	-0.00%	(3.5)	2.37%
Academy Mortgage Corporation Utah	-0.00%	(3.5)	2.11%
Supreme Lending	0.00%	(3.5)	0.53%
HomeBridge Financial Services	0.00%	(3.5)	2.73%
Guaranteed Rate	0.00%	(3.5)	0.09%
FirstBank TN	0.00%	(3.5)	0.09%
Amerisave Mortgage Corporation	0.00%	(3.5)	0.70%
Fairway Independent Mortgage Corporation	0.00%	(3.5)	1.23%
Quicken Loans	0.01%	(3.5)	13.98%
Mortgage Solutions Financial	0.01%	(3.5)	0.35%
US Bank	0.01%	(3.5)	0.79%
Evergreen Moneysource Mortgage Company	0.01%	(3.5)	0.09%
Umpqua Bank	0.02%	(3.5)	1.41%
Lakeview Loan Servicing	0.03%	(3.5)	3.43%
Waterstone Mortgage Corporation	0.03%	(3.5)	0.26%
Summit Mortgage Corporation OR WA	0.03%	(3.5)	0.35%
Mann Mortgage	0.03%	(3.5)	2.64%
Homeside Financial	0.03%	(3.5)	0.35%
Finance of America Mortgage	0.04%	(3.5)	2.20%
Cardinal Financial Company	0.04%	(3.5)	1.14%
Pacific Residential Mortgage	0.05%	(3.5)	0.79%
loanDepot	0.05%	(3.0)	3.43%
Wells Fargo Bank	0.05%	(3.0)	0.26%
PennyMac Loan Services	0.07%	(3.0)	5.01%
Mr. Cooper	0.08%	(3.0)	4.13%
Carrington Mortgage Services	0.11%	(3.0)	5.10%
HomeStreet Bank	0.11%	(3.0)	0.44%
Nations Lending Corporation	0.11%	(3.0)	1.85%
Freedom Mortgage Corporation	0.14%	(3.0)	4.22%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.05%	(3.5)	8.94%
US Bank	-0.05%	(3.5)	15.32%
KeyBank	-0.02%	(3.5)	8.09%
Wells Fargo Bank	-0.02%	(3.5)	16.17%
Oregon Community Credit Union	-0.01%	(3.5)	2.98%
Umpqua Bank	0.01%	(3.5)	1.28%
Movement Mortgage	0.01%	(3.5)	0.43%
Synergy One Lending	0.01%	(3.5)	0.43%
Summit Funding Inc	0.02%	(3.5)	2.55%
Washington Federal	0.02%	(3.5)	3.40%
First Technology Credit Union	0.02%	(3.5)	5.96%
Mann Mortgage	0.02%	(3.5)	0.43%
OnPoint Community Credit Union	0.02%	(3.5)	0.85%
Keller Mortgage	0.02%	(3.5)	0.43%
Guaranteed Rate	0.02%	(3.5)	0.43%
Supreme Lending	0.02%	(3.5)	0.85%
Commerce Home Mortgage	0.02%	(3.5)	0.43%
Pacific Residential Mortgage	0.02%	(3.5)	0.85%
Finance of America Mortgage	0.02%	(3.5)	1.28%
Maps Credit Union	0.02%	(3.5)	0.43%
Waterstone Mortgage Corporation	0.03%	(3.5)	0.85%
CMG Financial	0.03%	(3.5)	0.85%
Guild Mortgage Company	0.03%	(3.5)	2.13%
Mortgage Express	0.03%	(3.5)	0.85%
Northwest Community Credit Union	0.03%	(3.5)	0.85%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	0.43%
Columbia Bank	0.03%	(3.5)	0.43%
Sierra Pacific Mortgage	0.03%	(3.5)	0.43%
Flagstar Bank	0.03%	(3.5)	1.28%
American Pacific Mortgage	0.04%	(3.5)	0.43%
Quicken Loans	0.04%	(3.5)	3.83%
Primary Residential Mortgage Inc	0.04%	(3.5)	0.43%
Directors Mortgage	0.04%	(3.5)	1.28%
JPMorgan Chase Bank	0.04%	(3.5)	5.96%
Landmark Professional Mortgage Corporation	0.05%	(3.5)	2.13%
Plaza Home Mortgage	0.06%	(3.0)	0.85%
Caliber Home Loans	0.06%	(3.0)	3.83%
NewRez	0.07%	(3.0)	0.85%
Academy Mortgage Corporation Utah	0.08%	(3.0)	0.85%

Lender Name	Rate Difference	Rate Rating	Market Share
US Bank	-0.09%	(4.0)	11.11%
Bank of America	-0.05%	(3.5)	11.11%
Wells Fargo Bank	-0.03%	(3.5)	18.52%
Oregon Community Credit Union	-0.01%	(3.5)	4.44%
Quicken Loans	0.01%	(3.5)	2.96%
KeyBank	0.01%	(3.5)	6.67%
Movement Mortgage	0.02%	(3.5)	0.74%
Synergy One Lending	0.02%	(3.5)	0.74%
Umpqua Bank	0.03%	(3.5)	0.74%
First Technology Credit Union	0.03%	(3.5)	3.70%
Washington Federal	0.03%	(3.5)	5.93%
Summit Funding Inc	0.03%	(3.5)	1.48%
Keller Mortgage	0.03%	(3.5)	0.74%
Guaranteed Rate	0.03%	(3.5)	0.74%
Finance of America Mortgage	0.03%	(3.5)	1.48%
Northwest Community Credit Union	0.03%	(3.5)	0.74%
Maps Credit Union	0.03%	(3.5)	0.74%
Mortgage Express	0.03%	(3.5)	0.74%
Supreme Lending	0.04%	(3.5)	0.74%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	0.74%
Columbia Bank	0.04%	(3.5)	0.74%
Guild Mortgage Company	0.04%	(3.5)	2.22%
OnPoint Community Credit Union	0.04%	(3.5)	0.74%
Directors Mortgage	0.04%	(3.5)	1.48%
Sierra Pacific Mortgage	0.04%	(3.5)	0.74%
CMG Financial	0.04%	(3.5)	0.74%
JPMorgan Chase Bank	0.04%	(3.5)	5.19%
Primary Residential Mortgage Inc	0.05%	(3.5)	0.74%
Flagstar Bank	0.05%	(3.5)	1.48%
Landmark Professional Mortgage Corporation	0.06%	(3.0)	2.22%
Plaza Home Mortgage	0.07%	(3.0)	1.48%
NewRez	0.08%	(3.0)	1.48%
Caliber Home Loans	0.08%	(3.0)	4.44%
Academy Mortgage Corporation Utah	0.09%	(3.0)	1.48%

Lender Name	Rate Difference	Rate Rating	Market Share
KeyBank	-0.04%	(3.5)	10.00%
Bank of America	-0.04%	(3.5)	6.00%
US Bank	-0.03%	(3.5)	21.00%
Umpqua Bank	-0.00%	(3.5)	2.00%
OnPoint Community Credit Union	0.00%	(3.5)	1.00%
Summit Funding Inc	0.00%	(3.5)	4.00%
Supreme Lending	0.00%	(3.5)	1.00%
First Technology Credit Union	0.01%	(3.5)	9.00%
CMG Financial	0.01%	(3.5)	1.00%
Mann Mortgage	0.01%	(3.5)	1.00%
Flagstar Bank	0.01%	(3.5)	1.00%
Commerce Home Mortgage	0.01%	(3.5)	1.00%
Pacific Residential Mortgage	0.01%	(3.5)	2.00%
Oregon Community Credit Union	0.01%	(3.5)	1.00%
Guild Mortgage Company	0.01%	(3.5)	2.00%
Wells Fargo Bank	0.01%	(3.5)	13.00%
Waterstone Mortgage Corporation	0.01%	(3.5)	2.00%
Finance of America Mortgage	0.01%	(3.5)	1.00%
Mortgage Express	0.02%	(3.5)	1.00%
Northwest Community Credit Union	0.02%	(3.5)	1.00%
American Pacific Mortgage	0.02%	(3.5)	1.00%
Landmark Professional Mortgage Corporation	0.03%	(3.5)	2.00%
Directors Mortgage	0.04%	(3.5)	1.00%
Caliber Home Loans	0.04%	(3.5)	3.00%
JPMorgan Chase Bank	0.04%	(3.5)	7.00%
Quicken Loans	0.05%	(3.0)	5.00%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.19%	(4.5)	2.22%
Sovereign Lending Group	-0.17%	(4.5)	1.35%
CMG Financial	-0.17%	(4.5)	3.50%
Caliber Home Loans	-0.11%	(4.0)	8.35%
PennyMac Loan Services	-0.08%	(4.0)	3.50%
Northwest Community Credit Union	-0.08%	(4.0)	0.36%
Lakeview Loan Servicing	-0.08%	(4.0)	1.39%
DHI Mortgage Company Limited	-0.07%	(4.0)	0.51%
Wells Fargo Bank	-0.07%	(4.0)	0.84%
USAA	-0.07%	(4.0)	5.69%
Keller Mortgage	-0.07%	(4.0)	0.22%
Plaza Home Mortgage	-0.06%	(4.0)	0.95%
loanDepot	-0.06%	(4.0)	4.34%
Amerisave Mortgage Corporation	-0.05%	(4.0)	0.51%
Nations Direct Mortgage	-0.05%	(3.5)	3.68%
Landmark Professional Mortgage Corporation	-0.04%	(3.5)	2.55%
Home Point Financial Corporation	-0.04%	(3.5)	0.80%
NBKC Bank	-0.04%	(3.5)	0.55%
Flagstar Bank	-0.04%	(3.5)	3.57%
Cherry Creek Mortgage	-0.03%	(3.5)	1.02%
Banner Bank	-0.03%	(3.5)	0.40%
Columbia Bank	-0.03%	(3.5)	0.15%
US Bank	-0.02%	(3.5)	0.77%
Bank of America	-0.02%	(3.5)	0.07%
Mortgage Express	-0.02%	(3.5)	0.98%
Stearns Home Loans	-0.01%	(3.5)	1.57%
HomeBridge Financial Services	-0.01%	(3.5)	1.53%
Summit Mortgage Corporation OR WA	-0.01%	(3.5)	0.18%
NewRez	-0.01%	(3.5)	0.18%
Sierra Pacific Mortgage	-0.01%	(3.5)	0.77%
FirstBank TN	-0.00%	(3.5)	0.15%
Churchill Mortgage	0.00%	(3.5)	0.07%
Guaranteed Rate	0.00%	(3.5)	0.18%
OnPoint Community Credit Union	0.00%	(3.5)	0.18%
Finance of America Mortgage	0.01%	(3.5)	3.03%
Directors Mortgage	0.01%	(3.5)	1.53%
American Pacific Mortgage	0.01%	(3.5)	0.98%
KeyBank	0.01%	(3.5)	0.04%
American Financing	0.01%	(3.5)	0.55%
JPMorgan Chase Bank	0.01%	(3.5)	0.22%
Washington Trust Bank	0.01%	(3.5)	0.11%
Commerce Home Mortgage	0.02%	(3.5)	0.18%
Movement Mortgage	0.02%	(3.5)	0.80%
Homeside Financial	0.02%	(3.5)	0.07%
New American Funding	0.03%	(3.5)	0.55%
Cardinal Financial Company	0.03%	(3.5)	0.18%
Supreme Lending	0.03%	(3.5)	0.15%
Evergreen Moneysource Mortgage Company	0.04%	(3.5)	0.33%
HomeServices Lending	0.04%	(3.5)	0.47%
Guild Mortgage Company	0.04%	(3.5)	4.70%
Willamette Valley Bank	0.04%	(3.5)	0.51%
Academy Mortgage Corporation Utah	0.05%	(3.5)	2.52%
Umpqua Bank	0.05%	(3.5)	3.28%
Mortgage Solutions Financial	0.05%	(3.0)	0.55%
Synergy One Lending	0.06%	(3.0)	0.66%
Primary Residential Mortgage Inc	0.07%	(3.0)	0.22%
Mann Mortgage	0.07%	(3.0)	1.49%
Fairway Independent Mortgage Corporation	0.08%	(3.0)	1.64%
The Federal Savings Bank	0.08%	(3.0)	3.61%
Carrington Mortgage Services	0.10%	(3.0)	1.24%
Mr. Cooper	0.10%	(3.0)	0.62%
Waterstone Mortgage Corporation	0.10%	(3.0)	0.22%
Quicken Loans	0.10%	(3.0)	6.05%
Summit Funding Inc	0.11%	(3.0)	2.59%
HomeStreet Bank	0.12%	(3.0)	1.02%
Pacific Residential Mortgage	0.14%	(3.0)	2.59%
Nations Lending Corporation	0.15%	(2.5)	0.51%
Freedom Mortgage Corporation	0.17%	(2.5)	1.97%
NewDay USA	0.41%	(1.5)	1.75%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.24%	(4.5)	3.66%
CMG Financial	-0.19%	(4.5)	3.83%
Wells Fargo Bank	-0.11%	(4.0)	1.53%
Caliber Home Loans	-0.08%	(4.0)	8.94%
DHI Mortgage Company Limited	-0.07%	(4.0)	1.19%
USAA	-0.07%	(4.0)	8.01%
Keller Mortgage	-0.06%	(4.0)	0.51%
Landmark Professional Mortgage Corporation	-0.05%	(3.5)	3.32%
Stearns Home Loans	-0.04%	(3.5)	1.79%
Nations Direct Mortgage	-0.04%	(3.5)	2.81%
NBKC Bank	-0.04%	(3.5)	0.68%
US Bank	-0.04%	(3.5)	1.28%
Plaza Home Mortgage	-0.04%	(3.5)	0.51%
Cherry Creek Mortgage	-0.04%	(3.5)	1.02%
PennyMac Loan Services	-0.03%	(3.5)	0.77%
Bank of America	-0.02%	(3.5)	0.17%
Mortgage Express	-0.02%	(3.5)	1.79%
Sierra Pacific Mortgage	-0.01%	(3.5)	1.11%
Banner Bank	-0.01%	(3.5)	0.43%
Columbia Bank	-0.01%	(3.5)	0.09%
Quicken Loans	-0.01%	(3.5)	2.56%
Freedom Mortgage Corporation	-0.01%	(3.5)	0.43%
OnPoint Community Credit Union	-0.01%	(3.5)	0.26%
FirstBank TN	-0.00%	(3.5)	0.17%
Flagstar Bank	0.00%	(3.5)	4.26%
Home Point Financial Corporation	0.00%	(3.5)	0.43%
Synergy One Lending	0.00%	(3.5)	0.17%
Churchill Mortgage	0.00%	(3.5)	0.17%
JPMorgan Chase Bank	0.00%	(3.5)	0.34%
Guaranteed Rate	0.01%	(3.5)	0.17%
Supreme Lending	0.01%	(3.5)	0.17%
The Federal Savings Bank	0.02%	(3.5)	0.09%
Movement Mortgage	0.02%	(3.5)	1.02%
NewRez	0.02%	(3.5)	0.09%
Umpqua Bank	0.02%	(3.5)	4.09%
Washington Trust Bank	0.02%	(3.5)	0.26%
Directors Mortgage	0.02%	(3.5)	2.73%
Cardinal Financial Company	0.03%	(3.5)	0.17%
Finance of America Mortgage	0.03%	(3.5)	3.92%
Commerce Home Mortgage	0.03%	(3.5)	0.26%
HomeBridge Financial Services	0.04%	(3.5)	1.19%
Summit Mortgage Corporation OR WA	0.04%	(3.5)	0.09%
Mr. Cooper	0.05%	(3.5)	0.26%
NewDay USA	0.05%	(3.5)	0.60%
HomeServices Lending	0.05%	(3.5)	0.94%
Carrington Mortgage Services	0.05%	(3.0)	0.34%
Evergreen Moneysource Mortgage Company	0.06%	(3.0)	0.51%
Mann Mortgage	0.06%	(3.0)	2.47%
Willamette Valley Bank	0.06%	(3.0)	0.77%
American Pacific Mortgage	0.06%	(3.0)	1.19%
New American Funding	0.07%	(3.0)	0.60%
loanDepot	0.07%	(3.0)	1.96%
Academy Mortgage Corporation Utah	0.07%	(3.0)	4.09%
Guild Mortgage Company	0.08%	(3.0)	5.96%
Primary Residential Mortgage Inc	0.09%	(3.0)	0.34%
Mortgage Solutions Financial	0.11%	(3.0)	0.60%
Waterstone Mortgage Corporation	0.12%	(3.0)	0.43%
Fairway Independent Mortgage Corporation	0.13%	(3.0)	2.56%
Summit Funding Inc	0.14%	(3.0)	4.43%
HomeStreet Bank	0.14%	(3.0)	1.79%
Pacific Residential Mortgage	0.18%	(2.5)	3.75%

Lender Name	Rate Difference	Rate Rating	Market Share
Sovereign Lending Group	-0.17%	(4.5)	2.36%
CMG Financial	-0.14%	(4.0)	3.25%
Caliber Home Loans	-0.12%	(4.0)	7.90%
loanDepot	-0.09%	(4.0)	6.12%
PennyMac Loan Services	-0.09%	(4.0)	5.54%
Northwest Community Credit Union	-0.08%	(4.0)	0.64%
Lakeview Loan Servicing	-0.08%	(4.0)	2.42%
Navy Federal Credit Union	-0.08%	(4.0)	1.15%
Flagstar Bank	-0.08%	(4.0)	3.06%
Plaza Home Mortgage	-0.07%	(4.0)	1.27%
USAA	-0.07%	(4.0)	3.95%
Nations Direct Mortgage	-0.06%	(4.0)	4.33%
Amerisave Mortgage Corporation	-0.05%	(4.0)	0.89%
Home Point Financial Corporation	-0.05%	(4.0)	1.08%
Banner Bank	-0.04%	(3.5)	0.38%
HomeBridge Financial Services	-0.04%	(3.5)	1.78%
American Pacific Mortgage	-0.04%	(3.5)	0.83%
Landmark Professional Mortgage Corporation	-0.04%	(3.5)	1.98%
Cherry Creek Mortgage	-0.03%	(3.5)	1.02%
Columbia Bank	-0.03%	(3.5)	0.19%
NBKC Bank	-0.03%	(3.5)	0.45%
Summit Mortgage Corporation OR WA	-0.03%	(3.5)	0.25%
NewRez	-0.02%	(3.5)	0.25%
Directors Mortgage	-0.02%	(3.5)	0.64%
Fairway Independent Mortgage Corporation	-0.02%	(3.5)	0.96%
New American Funding	-0.01%	(3.5)	0.51%
Academy Mortgage Corporation Utah	-0.01%	(3.5)	1.34%
Guild Mortgage Company	-0.01%	(3.5)	3.76%
Finance of America Mortgage	-0.01%	(3.5)	2.36%
HomeServices Lending	-0.01%	(3.5)	0.13%
Commerce Home Mortgage	-0.01%	(3.5)	0.13%
Mortgage Express	-0.01%	(3.5)	0.38%
Guaranteed Rate	-0.00%	(3.5)	0.19%
Mortgage Solutions Financial	-0.00%	(3.5)	0.51%
FirstBank TN	0.00%	(3.5)	0.13%
Evergreen Moneysource Mortgage Company	0.00%	(3.5)	0.19%
Sierra Pacific Mortgage	0.01%	(3.5)	0.51%
KeyBank	0.01%	(3.5)	0.06%
Willamette Valley Bank	0.01%	(3.5)	0.32%
American Financing	0.01%	(3.5)	0.96%
US Bank	0.01%	(3.5)	0.38%
Stearns Home Loans	0.02%	(3.5)	1.40%
Movement Mortgage	0.02%	(3.5)	0.64%
OnPoint Community Credit Union	0.02%	(3.5)	0.13%
Homeside Financial	0.02%	(3.5)	0.13%
Primary Residential Mortgage Inc	0.02%	(3.5)	0.13%
Cardinal Financial Company	0.03%	(3.5)	0.19%
Waterstone Mortgage Corporation	0.03%	(3.5)	0.06%
JPMorgan Chase Bank	0.04%	(3.5)	0.13%
Supreme Lending	0.05%	(3.5)	0.13%
Summit Funding Inc	0.06%	(3.0)	1.21%
Pacific Residential Mortgage	0.07%	(3.0)	1.72%
Synergy One Lending	0.07%	(3.0)	1.02%
Wells Fargo Bank	0.07%	(3.0)	0.32%
The Federal Savings Bank	0.08%	(3.0)	6.25%
HomeStreet Bank	0.08%	(3.0)	0.45%
Umpqua Bank	0.09%	(3.0)	2.68%
Carrington Mortgage Services	0.10%	(3.0)	1.91%
Mann Mortgage	0.10%	(3.0)	0.76%
Mr. Cooper	0.11%	(3.0)	0.89%
Quicken Loans	0.13%	(3.0)	8.67%
Nations Lending Corporation	0.15%	(3.0)	0.89%
Freedom Mortgage Corporation	0.19%	(2.5)	3.12%
NewDay USA	0.47%	(1.0)	2.61%

* Data is compiled for the Eugene, OR commuting zone area, which comprises of counties of Benton County, OR, Lane County, OR, Linn County, OR, Marion County, OR, and Polk County, OR. This includes cities/towns/communities of Eugene, OR as well as Salem, OR, Springfield, OR, Albany, OR, Salem, OR, Keizer, OR, Corvallis, OR, Lebanon, OR, Dallas, OR, Woodburn, OR, Hayesville, OR, Cottage Grove, OR, Silverton, OR, Sweet Home, OR, Albany, OR, Florence, OR, Turner, OR, Four Corners, OR, Veneta, OR, Creswell, OR, Sublimity, OR, Independence, OR, Junction City, OR, Stayton, OR, Jefferson, OR, Monmouth, OR, Hubbard, OR, Mill City, OR, Aumsville, OR, Harrisburg, OR, Scio, OR, Lowell, OR, Brownsville, OR, Grand Ronde, OR, Coburg, OR, Gervais, OR, Mount Angel, OR, Adair Village, OR, Oakridge, OR, Gates, OR, Tangent, OR, Monroe, OR, Dunes City, OR, Donald, OR, Philomath, OR, Alsea, OR, Lacomb, OR, and St. Paul, OR. 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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