Top Mortgage Lenders in Rockford, IL

Which mortgage lender in the Rockford, IL area typically has the best rates? To help you narrow down where to shop for a mortgage, provides an objective and data driven ranking of mortgage lenders operating in the Rockford, IL 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 Rockford, IL area in terms of interest rate is Associated Bank, with an average “Rate Difference” of -0.16%. This means that, comparing similar borrowers, Associated Bank provided a -0.16% lower interest rate for its customers than other lenders in the area. Associated Bank has a market share of 2.3%. On the other hand, the most popular lender in the Rockford, IL area is Blackhawk Bank, with a larger market share of 15.4%. Blackhawk Bank is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.03% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Rockford, IL 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 Rockford, IL is Associated 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 Fifth Third Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is US 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 Rockford, IL

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Associated Bank-0.16%(4.5)2.27%
Stillman Bank-0.14%(4.0)5.84%
First National Bank and Trust Company-0.14%(4.0)2.00%
Merchants Bank-0.12%(4.0)0.88%
Navy Federal Credit Union-0.10%(4.0)0.69%
First State Bank IL-0.10%(4.0)0.74%
US Bank-0.09%(4.0)5.58%
First National Bank of Omaha-0.05%(4.0)1.22%
JPMorgan Chase Bank-0.05%(4.0)2.67%
Guaranteed Rate-0.04%(3.5)1.20%
Barrington Bank & Trust-0.03%(3.5)2.56%
First Centennial Mortgage-0.03%(3.5)1.16%
First State Mortgage Bloomington-0.03%(3.5)0.86%
Midwest Community Bank-0.02%(3.5)12.55%
Plaza Home Mortgage-0.02%(3.5)0.78%
PNC Bank-0.02%(3.5)2.39%
Caliber Home Loans-0.02%(3.5)0.76%
Fifth Third Bank-0.01%(3.5)1.36%
First Northern Credit Union-0.00%(3.5)1.03%
Wells Fargo Bank-0.00%(3.5)1.47%
Rock Valley Credit Union0.00%(3.5)1.37%
Homeside Financial0.01%(3.5)0.90%
Blackhawk Bank0.03%(3.5)15.41%
Carrington Mortgage Services0.04%(3.5)1.01%
Northwest Bank of Rockford0.04%(3.5)5.29%
New American Funding0.05%(3.0)0.67%
Finance of America Mortgage0.05%(3.0)1.22%
BMO Harris0.06%(3.0)0.92%
Flagstar Bank0.07%(3.0)0.73%
Quicken Loans0.08%(3.0)8.78%
Platinum Home Mortgage Corporation0.08%(3.0)2.65%
Mr. Cooper0.10%(3.0)0.94%
Midland States Bank0.10%(3.0)6.55%
Academy Mortgage Corporation Utah0.11%(3.0)3.15%
Lender NameRate DifferenceRate RatingMarket Share
Associated Bank-0.17%(4.5)2.11%
US Bank-0.14%(4.0)5.61%
Navy Federal Credit Union-0.12%(4.0)0.92%
Wells Fargo Bank-0.12%(4.0)1.37%
JPMorgan Chase Bank-0.12%(4.0)2.49%
PNC Bank-0.11%(4.0)1.93%
First National Bank and Trust Company-0.09%(4.0)1.69%
Stillman Bank-0.08%(4.0)4.07%
Fifth Third Bank-0.08%(4.0)0.95%
Merchants Bank-0.07%(4.0)0.56%
First State Bank IL-0.06%(4.0)0.56%
First National Bank of Omaha-0.06%(4.0)1.45%
Guaranteed Rate-0.05%(3.5)1.34%
Rock Valley Credit Union-0.04%(3.5)0.39%
First Centennial Mortgage-0.04%(3.5)1.66%
Barrington Bank & Trust-0.03%(3.5)3.53%
First State Mortgage Bloomington-0.03%(3.5)1.10%
Plaza Home Mortgage-0.03%(3.5)0.83%
First Northern Credit Union-0.02%(3.5)1.25%
Quicken Loans-0.01%(3.5)5.43%
Homeside Financial-0.01%(3.5)0.77%
Midwest Community Bank-0.00%(3.5)16.30%
Caliber Home Loans0.00%(3.5)0.71%
Carrington Mortgage Services0.01%(3.5)0.15%
Blackhawk Bank0.05%(3.0)17.33%
Northwest Bank of Rockford0.06%(3.0)3.77%
Finance of America Mortgage0.06%(3.0)1.72%
BMO Harris0.06%(3.0)0.77%
Mr. Cooper0.07%(3.0)0.45%
New American Funding0.08%(3.0)0.62%
Platinum Home Mortgage Corporation0.09%(3.0)3.62%
Flagstar Bank0.09%(3.0)0.83%
Midland States Bank0.10%(3.0)7.24%
Academy Mortgage Corporation Utah0.12%(3.0)4.16%
Lender NameRate DifferenceRate RatingMarket Share
First National Bank and Trust Company-0.20%(4.5)2.57%
Stillman Bank-0.19%(4.5)9.05%
Merchants Bank-0.16%(4.5)1.45%
Midwest Community Bank-0.14%(4.0)5.78%
First State Bank IL-0.13%(4.0)1.07%
Associated Bank-0.13%(4.0)2.57%
Caliber Home Loans-0.05%(3.5)0.86%
First National Bank of Omaha-0.04%(3.5)0.80%
Blackhawk Bank-0.04%(3.5)11.94%
Guaranteed Rate-0.03%(3.5)0.96%
First State Mortgage Bloomington-0.01%(3.5)0.43%
Finance of America Mortgage-0.01%(3.5)0.32%
Plaza Home Mortgage-0.01%(3.5)0.70%
Platinum Home Mortgage Corporation-0.01%(3.5)0.91%
Barrington Bank & Trust-0.00%(3.5)0.80%
Navy Federal Credit Union0.01%(3.5)0.27%
New American Funding0.01%(3.5)0.75%
First Centennial Mortgage0.01%(3.5)0.27%
Flagstar Bank0.02%(3.5)0.54%
US Bank0.02%(3.5)5.51%
Rock Valley Credit Union0.02%(3.5)3.16%
Academy Mortgage Corporation Utah0.04%(3.5)1.34%
Northwest Bank of Rockford0.04%(3.5)8.03%
Homeside Financial0.04%(3.5)1.12%
First Northern Credit Union0.04%(3.5)0.64%
Carrington Mortgage Services0.04%(3.5)2.57%
JPMorgan Chase Bank0.05%(3.5)3.00%
Fifth Third Bank0.05%(3.0)2.09%
BMO Harris0.06%(3.0)1.18%
PNC Bank0.07%(3.0)3.21%
Midland States Bank0.11%(3.0)5.30%
Mr. Cooper0.11%(3.0)1.82%
Quicken Loans0.14%(3.0)14.83%
Wells Fargo Bank0.17%(2.5)1.66%
Lender NameRate DifferenceRate RatingMarket Share
Associated Bank-0.17%(4.5)2.88%
Stillman Bank-0.15%(4.0)7.46%
First National Bank and Trust Company-0.14%(4.0)2.70%
Merchants Bank-0.12%(4.0)1.18%
First State Bank IL-0.10%(4.0)1.00%
US Bank-0.09%(4.0)6.48%
First Centennial Mortgage-0.06%(4.0)0.85%
First National Bank of Omaha-0.06%(4.0)1.24%
JPMorgan Chase Bank-0.05%(4.0)3.53%
Guaranteed Rate-0.05%(4.0)1.00%
Barrington Bank & Trust-0.03%(3.5)2.06%
PNC Bank-0.02%(3.5)2.96%
First State Mortgage Bloomington-0.02%(3.5)0.18%
Caliber Home Loans-0.01%(3.5)0.33%
Finance of America Mortgage-0.01%(3.5)0.72%
Midwest Community Bank-0.01%(3.5)12.40%
Fifth Third Bank-0.01%(3.5)1.54%
Wells Fargo Bank-0.01%(3.5)1.80%
First Northern Credit Union-0.01%(3.5)1.39%
Rock Valley Credit Union0.00%(3.5)1.85%
Navy Federal Credit Union0.00%(3.5)0.26%
Flagstar Bank0.01%(3.5)0.26%
Homeside Financial0.02%(3.5)0.62%
Blackhawk Bank0.03%(3.5)18.19%
Plaza Home Mortgage0.03%(3.5)0.36%
New American Funding0.04%(3.5)0.31%
Northwest Bank of Rockford0.05%(3.5)6.66%
Carrington Mortgage Services0.06%(3.0)0.28%
Platinum Home Mortgage Corporation0.06%(3.0)1.26%
BMO Harris0.06%(3.0)1.18%
Midland States Bank0.13%(3.0)7.33%
Mr. Cooper0.14%(3.0)0.51%
Quicken Loans0.17%(2.5)5.97%
Academy Mortgage Corporation Utah0.18%(2.5)2.14%
Lender NameRate DifferenceRate RatingMarket Share
Associated Bank-0.19%(4.5)2.77%
US Bank-0.16%(4.5)6.62%
Wells Fargo Bank-0.14%(4.0)1.71%
JPMorgan Chase Bank-0.13%(4.0)3.46%
PNC Bank-0.12%(4.0)2.39%
Fifth Third Bank-0.10%(4.0)0.98%
First National Bank and Trust Company-0.10%(4.0)2.43%
Stillman Bank-0.08%(4.0)5.16%
First Centennial Mortgage-0.08%(4.0)1.24%
Merchants Bank-0.07%(4.0)0.81%
First State Bank IL-0.07%(4.0)0.81%
First National Bank of Omaha-0.06%(4.0)1.54%
Guaranteed Rate-0.06%(4.0)1.15%
Rock Valley Credit Union-0.05%(4.0)0.55%
Barrington Bank & Trust-0.04%(3.5)3.03%
First Northern Credit Union-0.02%(3.5)1.79%
Caliber Home Loans-0.02%(3.5)0.38%
Homeside Financial-0.01%(3.5)0.43%
Finance of America Mortgage-0.01%(3.5)0.94%
First State Mortgage Bloomington-0.01%(3.5)0.13%
Navy Federal Credit Union-0.00%(3.5)0.26%
Flagstar Bank0.02%(3.5)0.26%
Carrington Mortgage Services0.02%(3.5)0.04%
Midwest Community Bank0.02%(3.5)16.43%
Mr. Cooper0.03%(3.5)0.13%
New American Funding0.04%(3.5)0.30%
Plaza Home Mortgage0.05%(3.5)0.38%
Blackhawk Bank0.05%(3.0)20.83%
Platinum Home Mortgage Corporation0.06%(3.0)1.71%
BMO Harris0.07%(3.0)1.02%
Quicken Loans0.07%(3.0)3.37%
Northwest Bank of Rockford0.07%(3.0)4.78%
Midland States Bank0.14%(3.0)8.28%
Academy Mortgage Corporation Utah0.20%(2.5)2.86%
Lender NameRate DifferenceRate RatingMarket Share
First National Bank and Trust Company-0.20%(4.5)3.11%
Stillman Bank-0.19%(4.5)10.95%
Merchants Bank-0.15%(4.5)1.75%
Midwest Community Bank-0.15%(4.0)6.29%
Associated Bank-0.13%(4.0)3.05%
First State Bank IL-0.13%(4.0)1.30%
First National Bank of Omaha-0.05%(4.0)0.78%
Guaranteed Rate-0.04%(3.5)0.78%
Blackhawk Bank-0.04%(3.5)14.19%
Barrington Bank & Trust-0.03%(3.5)0.58%
First State Mortgage Bloomington-0.01%(3.5)0.26%
Plaza Home Mortgage-0.01%(3.5)0.32%
Finance of America Mortgage-0.01%(3.5)0.39%
Caliber Home Loans-0.01%(3.5)0.26%
Flagstar Bank0.00%(3.5)0.26%
Platinum Home Mortgage Corporation0.00%(3.5)0.58%
Navy Federal Credit Union0.01%(3.5)0.26%
US Bank0.02%(3.5)6.29%
First Centennial Mortgage0.02%(3.5)0.26%
Rock Valley Credit Union0.02%(3.5)3.82%
Northwest Bank of Rockford0.04%(3.5)9.53%
New American Funding0.04%(3.5)0.32%
First Northern Credit Union0.04%(3.5)0.78%
Homeside Financial0.05%(3.5)0.91%
JPMorgan Chase Bank0.05%(3.5)3.63%
Academy Mortgage Corporation Utah0.05%(3.0)1.04%
Fifth Third Bank0.06%(3.0)2.40%
BMO Harris0.06%(3.0)1.43%
Carrington Mortgage Services0.07%(3.0)0.65%
PNC Bank0.08%(3.0)3.82%
Midland States Bank0.12%(3.0)5.90%
Mr. Cooper0.17%(2.5)1.10%
Wells Fargo Bank0.18%(2.5)1.94%
Quicken Loans0.23%(2.5)9.92%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.10%(4.0)2.29%
Midwest Community Bank-0.09%(4.0)13.85%
Northwest Bank of Rockford-0.07%(4.0)1.72%
Stillman Bank-0.07%(4.0)1.53%
Plaza Home Mortgage-0.07%(4.0)1.91%
First National Bank of Omaha-0.06%(4.0)1.24%
PNC Bank-0.05%(4.0)0.57%
Midland States Bank-0.05%(3.5)4.58%
Fifth Third Bank-0.04%(3.5)0.38%
Quicken Loans-0.03%(3.5)17.77%
Guaranteed Rate-0.03%(3.5)1.91%
Associated Bank-0.03%(3.5)0.29%
Barrington Bank & Trust-0.02%(3.5)4.68%
BMO Harris-0.02%(3.5)0.19%
First State Mortgage Bloomington-0.00%(3.5)2.10%
Caliber Home Loans0.00%(3.5)1.62%
Homeside Financial0.01%(3.5)2.01%
JPMorgan Chase Bank0.01%(3.5)0.10%
First Centennial Mortgage0.01%(3.5)2.48%
Carrington Mortgage Services0.03%(3.5)3.15%
Wells Fargo Bank0.03%(3.5)0.10%
Academy Mortgage Corporation Utah0.03%(3.5)6.88%
Blackhawk Bank0.04%(3.5)7.93%
New American Funding0.07%(3.0)1.91%
Mr. Cooper0.08%(3.0)2.39%
Platinum Home Mortgage Corporation0.10%(3.0)8.12%
Flagstar Bank0.11%(3.0)2.10%
Finance of America Mortgage0.12%(3.0)2.87%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.12%(4.0)2.42%
Midwest Community Bank-0.09%(4.0)16.71%
Northwest Bank of Rockford-0.08%(4.0)1.82%
Plaza Home Mortgage-0.08%(4.0)1.82%
Quicken Loans-0.07%(4.0)11.38%
Stillman Bank-0.06%(4.0)1.94%
First National Bank of Omaha-0.06%(4.0)1.45%
PNC Bank-0.06%(4.0)0.61%
Midland States Bank-0.05%(4.0)5.21%
Fifth Third Bank-0.04%(3.5)0.48%
Guaranteed Rate-0.03%(3.5)2.06%
Barrington Bank & Trust-0.03%(3.5)5.33%
Associated Bank-0.03%(3.5)0.36%
BMO Harris-0.02%(3.5)0.24%
First State Mortgage Bloomington-0.00%(3.5)2.54%
Homeside Financial0.01%(3.5)1.94%
Carrington Mortgage Services0.01%(3.5)0.36%
JPMorgan Chase Bank0.02%(3.5)0.12%
First Centennial Mortgage0.02%(3.5)3.03%
Caliber Home Loans0.03%(3.5)1.33%
Academy Mortgage Corporation Utah0.04%(3.5)7.63%
Blackhawk Bank0.04%(3.5)9.93%
Mr. Cooper0.10%(3.0)1.33%
Platinum Home Mortgage Corporation0.11%(3.0)9.56%
New American Funding0.12%(3.0)1.57%
Finance of America Mortgage0.12%(3.0)3.63%
Flagstar Bank0.13%(3.0)2.18%
Lender NameRate DifferenceRate RatingMarket Share
Midwest Community Bank-0.07%(4.0)3.17%
Caliber Home Loans-0.05%(4.0)2.71%
Platinum Home Mortgage Corporation-0.05%(3.5)2.71%
Plaza Home Mortgage-0.04%(3.5)2.26%
Guaranteed Rate-0.02%(3.5)1.36%
Midland States Bank-0.02%(3.5)2.26%
PNC Bank-0.02%(3.5)0.45%
New American Funding-0.02%(3.5)3.17%
US Bank-0.01%(3.5)1.81%
First Centennial Mortgage-0.01%(3.5)0.45%
Quicken Loans-0.01%(3.5)41.63%
First National Bank of Omaha-0.01%(3.5)0.45%
Northwest Bank of Rockford-0.01%(3.5)1.36%
Blackhawk Bank-0.01%(3.5)0.45%
Academy Mortgage Corporation Utah0.00%(3.5)4.07%
First State Mortgage Bloomington0.01%(3.5)0.45%
Homeside Financial0.01%(3.5)2.26%
Wells Fargo Bank0.02%(3.5)0.45%
Carrington Mortgage Services0.02%(3.5)13.57%
Barrington Bank & Trust0.03%(3.5)2.26%
Flagstar Bank0.04%(3.5)1.81%
Mr. Cooper0.06%(3.0)6.33%
Lender NameRate DifferenceRate RatingMarket Share
Fifth Third Bank-0.00%(3.5)66.67%
PNC Bank0.00%(3.5)16.67%
Quicken Loans0.01%(3.5)16.67%
Lender NameRate DifferenceRate RatingMarket Share
Fifth Third Bank-0.00%(3.5)60.00%
PNC Bank0.00%(3.5)20.00%
Quicken Loans0.01%(3.5)20.00%
Lender NameRate DifferenceRate RatingMarket Share
Fifth Third Bank0.00%(3.5)100.00%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.13%(4.0)8.72%
First State Mortgage Bloomington-0.04%(3.5)5.37%
Caliber Home Loans-0.03%(3.5)3.36%
US Bank-0.01%(3.5)5.37%
Fifth Third Bank-0.01%(3.5)1.01%
PNC Bank-0.01%(3.5)1.01%
Associated Bank-0.01%(3.5)1.34%
Blackhawk Bank-0.00%(3.5)5.70%
Homeside Financial0.01%(3.5)0.67%
Guaranteed Rate0.01%(3.5)1.34%
First Centennial Mortgage0.01%(3.5)0.67%
First National Bank of Omaha0.01%(3.5)1.01%
Wells Fargo Bank0.01%(3.5)2.01%
Barrington Bank & Trust0.01%(3.5)1.68%
Plaza Home Mortgage0.02%(3.5)2.35%
Midwest Community Bank0.02%(3.5)10.07%
Mr. Cooper0.02%(3.5)1.34%
JPMorgan Chase Bank0.02%(3.5)0.67%
New American Funding0.02%(3.5)1.01%
Platinum Home Mortgage Corporation0.03%(3.5)1.68%
Midland States Bank0.03%(3.5)3.36%
Flagstar Bank0.04%(3.5)2.01%
Finance of America Mortgage0.04%(3.5)2.01%
Carrington Mortgage Services0.06%(3.0)3.02%
Quicken Loans0.08%(3.0)13.76%
Academy Mortgage Corporation Utah0.08%(3.0)3.36%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.12%(4.0)12.82%
First State Mortgage Bloomington-0.04%(3.5)6.67%
US Bank0.00%(3.5)7.18%
Fifth Third Bank0.00%(3.5)1.03%
PNC Bank0.01%(3.5)1.54%
Associated Bank0.01%(3.5)1.54%
Blackhawk Bank0.01%(3.5)7.18%
Guaranteed Rate0.02%(3.5)0.51%
First Centennial Mortgage0.03%(3.5)1.03%
First National Bank of Omaha0.03%(3.5)0.51%
Wells Fargo Bank0.03%(3.5)3.08%
Plaza Home Mortgage0.03%(3.5)2.05%
Caliber Home Loans0.03%(3.5)2.05%
Barrington Bank & Trust0.03%(3.5)2.05%
Mr. Cooper0.03%(3.5)0.51%
Midwest Community Bank0.03%(3.5)13.33%
JPMorgan Chase Bank0.03%(3.5)1.03%
Platinum Home Mortgage Corporation0.04%(3.5)1.54%
New American Funding0.05%(3.0)0.51%
Midland States Bank0.06%(3.0)3.59%
Carrington Mortgage Services0.06%(3.0)0.51%
Finance of America Mortgage0.06%(3.0)3.08%
Quicken Loans0.06%(3.0)4.62%
Flagstar Bank0.08%(3.0)2.05%
Academy Mortgage Corporation Utah0.09%(3.0)5.13%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.10%(4.0)5.83%
First State Mortgage Bloomington-0.04%(3.5)2.91%
Flagstar Bank-0.04%(3.5)1.94%
Blackhawk Bank-0.03%(3.5)2.91%
Associated Bank-0.03%(3.5)0.97%
Fifth Third Bank-0.03%(3.5)0.97%
Barrington Bank & Trust-0.03%(3.5)0.97%
Navy Federal Credit Union-0.02%(3.5)0.97%
Midwest Community Bank-0.02%(3.5)3.88%
Homeside Financial-0.02%(3.5)1.94%
Midland States Bank-0.02%(3.5)2.91%
US Bank-0.02%(3.5)1.94%
Guaranteed Rate-0.02%(3.5)2.91%
First National Bank of Omaha-0.02%(3.5)1.94%
New American Funding-0.01%(3.5)1.94%
Plaza Home Mortgage-0.01%(3.5)2.91%
Mr. Cooper-0.01%(3.5)2.91%
Platinum Home Mortgage Corporation-0.00%(3.5)1.94%
Carrington Mortgage Services0.04%(3.5)7.77%
Quicken Loans0.06%(3.0)31.07%

* Data is compiled for the Rockford, IL commuting zone area, which comprises of counties of Boone County, IL, Carroll County, IL, Lee County, IL, Ogle County, IL, Stephenson County, IL, Whiteside County, IL, and Winnebago County, IL. This includes cities/towns/communities of Rockford, IL as well as Roscoe, IL, Belvidere, IL, Machesney Park, IL, Loves Park, IL, Timberlane, IL, Freeport, IL, Rockton, IL, Sterling, IL, Durand, IL, Dixon, IL, Rochelle, IL, Winnebago, IL, New Milford, IL, Hillcrest, IL, Rock Falls, IL, Pecatonica, IL, Byron, IL, Lost Nation, IL, Shannon, IL, Cedarville, IL, Leaf River, IL, Lake Summerset, IL, Creston, IL, Poplar Grove, IL, Mount Morris, IL, Lyndon, IL, Oregon, IL, Fulton, IL, Morrison, IL, Albany, IL, Paw Paw, IL, South Beloit, IL, Orangeville, IL, Grand Detour, IL, Franklin Grove, IL, Como, IL, Savanna, IL, Ashton, IL, Winslow, IL, Adeline, IL, Amboy, IL, Pearl City, IL, Prophetstown, IL, Tampico, IL, Nelson, IL, Thomson, IL, Lanark, IL, and Mount Carroll, IL. 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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