Top Mortgage Lenders in New York, NY

Which mortgage lender in the New York, NY 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 New York, NY 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 New York, NY area in terms of interest rate is First Republic Bank, with an average “Rate Difference” of -0.55%. This means that, comparing similar borrowers, First Republic Bank provided a -0.55% lower interest rate for its customers than other lenders in the area. First Republic Bank has a market share of 0.7%. On the other hand, the most popular lender in the New York, NY area is JPMorgan Chase Bank, with a larger market share of 12.5%. JPMorgan Chase Bank is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.06% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the New York, NY 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 New York, NY is First Republic 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 Citibank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Bank of America. 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 New York, NY

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
First Republic Bank	-0.55%	(5.0)	0.72%
Island Federal Credit Union	-0.33%	(5.0)	0.23%
Bank of America	-0.30%	(5.0)	4.70%
Bethpage Federal Credit Union	-0.29%	(5.0)	3.33%
HSBC Bank USA	-0.27%	(5.0)	0.84%
Valley Bank	-0.26%	(5.0)	0.87%
Citibank	-0.24%	(4.5)	4.99%
Teachers Federal Credit Union	-0.24%	(4.5)	2.47%
Investors Bank	-0.21%	(4.5)	0.39%
OwnersChoice Funding	-0.18%	(4.5)	0.18%
NCPD Federal Credit Union	-0.14%	(4.0)	0.09%
TD Bank	-0.14%	(4.0)	2.69%
Amalgamated Bank	-0.11%	(4.0)	0.15%
Wells Fargo Bank	-0.09%	(4.0)	9.99%
United Nations Federal Credit Union	-0.09%	(4.0)	0.11%
PNC Bank	-0.08%	(4.0)	0.48%
Navy Federal Credit Union	-0.08%	(4.0)	0.20%
loanDepot	-0.08%	(4.0)	3.60%
Arc Home	-0.08%	(4.0)	0.17%
North American Savings Bank	-0.07%	(4.0)	0.09%
CF Bank	-0.07%	(4.0)	0.08%
US Bank	-0.06%	(4.0)	0.40%
JPMorgan Chase Bank	-0.06%	(4.0)	12.46%
First Internet Bank	-0.06%	(4.0)	0.05%
Suffolk Federal Credit Union	-0.04%	(3.5)	0.22%
M&T Bank	-0.04%	(3.5)	0.53%
People’s United Bank	-0.03%	(3.5)	0.23%
Ridgewood Savings Bank	-0.03%	(3.5)	0.20%
Equity Prime Mortgage	-0.03%	(3.5)	0.05%
City National Bank	-0.02%	(3.5)	0.07%
Ally Bank	-0.02%	(3.5)	0.09%
Morgan Stanley Private Bank	-0.01%	(3.5)	0.21%
CMG Financial	-0.01%	(3.5)	0.24%
NBKC Bank	-0.01%	(3.5)	0.14%
Home Point Financial Corporation	-0.01%	(3.5)	0.38%
Homestead Funding Corp	-0.01%	(3.5)	0.05%
American Federal Mortgage	-0.01%	(3.5)	0.06%
KeyBank	-0.00%	(3.5)	0.06%
UBS Bank USA	0.00%	(3.5)	0.11%
Lyons Mortgage Services	0.00%	(3.5)	0.11%
Caliber Home Loans	0.01%	(3.5)	1.74%
Interstate Home Loan Center	0.01%	(3.5)	0.29%
Academy Mortgage Corp NY	0.01%	(3.5)	0.66%
Embrace Home Loans	0.02%	(3.5)	0.57%
Santander Bank	0.02%	(3.5)	1.52%
Residential Mortgage Services	0.02%	(3.5)	0.10%
Guaranteed Rate	0.02%	(3.5)	0.43%
TIAA Bank	0.03%	(3.5)	0.19%
Luxury Mortgage Corp	0.03%	(3.5)	0.19%
Webster Bank	0.04%	(3.5)	0.08%
Royal Business Bank	0.04%	(3.5)	0.08%
USAA	0.05%	(3.5)	0.22%
Reliance First Capital	0.05%	(3.5)	0.29%
GuardHill Financial Corp	0.05%	(3.0)	0.26%
Bank of England AR	0.06%	(3.0)	0.05%
NJ Lenders Corp	0.07%	(3.0)	0.41%
Lynx Mortgage	0.07%	(3.0)	0.33%
Patriot One Mortgage Bankers LLC	0.07%	(3.0)	0.11%
National Cooperative Bank	0.07%	(3.0)	0.06%
PrimeLending	0.07%	(3.0)	0.08%
Plaza Home Mortgage	0.08%	(3.0)	0.64%
Freedom Mortgage Corporation	0.08%	(3.0)	4.51%
Movement Mortgage	0.08%	(3.0)	0.15%
Carrington Mortgage Services	0.08%	(3.0)	0.61%
MLB Residential Lending	0.09%	(3.0)	0.07%
Municipal Credit Union	0.09%	(3.0)	0.39%
The Federal Savings Bank	0.09%	(3.0)	1.34%
Fairway Independent Mortgage Corporation	0.10%	(3.0)	0.59%
Mid-Island Mortgage Corp	0.10%	(3.0)	0.53%
United Northern Mortgage Bankers	0.10%	(3.0)	0.74%
HomeBridge Financial Services	0.11%	(3.0)	1.67%
Nationwide Equities Corporation	0.11%	(3.0)	0.08%
NewRez	0.11%	(3.0)	1.99%
Finance of America Mortgage	0.11%	(3.0)	0.09%
Evolve Bank & Trust	0.11%	(3.0)	0.20%
Hartford Funding, Ltd.	0.12%	(3.0)	0.19%
Advisors Mortgage Group	0.12%	(3.0)	0.06%
Sierra Pacific Mortgage	0.12%	(3.0)	0.16%
Cardinal Financial Company	0.12%	(3.0)	1.08%
CrossCountry Mortgage	0.14%	(3.0)	0.10%
Bridgeview Mortgage Corp	0.14%	(3.0)	0.07%
Power Express Mortgage Bankers	0.15%	(2.5)	0.23%
Contour Mortgage Corporation	0.16%	(2.5)	2.10%
East Coast Capital Corporation	0.17%	(2.5)	0.66%
US Mortgage Corporation	0.17%	(2.5)	0.47%
Mortgage World Bankers	0.17%	(2.5)	0.10%
Summit Mortgage Banker	0.18%	(2.5)	0.69%
First Home Bank	0.18%	(2.5)	0.15%
Total Mortgage Services	0.18%	(2.5)	0.06%
Family First Funding	0.19%	(2.5)	0.32%
Jet Direct Funding Corp	0.20%	(2.5)	0.70%
Quicken Loans	0.21%	(2.5)	8.49%
RealFi	0.21%	(2.5)	0.22%
Meadowbrook Financial Mortgage Bankers	0.21%	(2.5)	1.25%
Flagstar Bank	0.21%	(2.5)	0.61%
Nationwide Mortgage Bankers	0.22%	(2.5)	1.31%
Intercontinental Capital Group	0.24%	(2.5)	0.80%
Ark Mortgage	0.24%	(2.5)	0.09%
Mr. Cooper	0.26%	(2.0)	1.69%
Associated Mortgage Bankers	0.26%	(2.0)	0.26%
Guidance Residential	0.28%	(2.0)	0.20%
Allied Mortgage Group	0.29%	(2.0)	0.19%
United Mortgage Corp	0.30%	(2.0)	1.80%
FM Home Loans	0.33%	(2.0)	1.37%
PHH Mortgage	0.38%	(1.5)	0.10%
Quontic Bank	0.40%	(1.5)	0.20%
Discover Bank	0.41%	(1.5)	0.09%
Cathay Bank	0.53%	(1.0)	0.24%
East West Bank	0.80%	(1.0)	0.67%

Lender Name	Rate Difference	Rate Rating	Market Share
First Republic Bank	-0.56%	(5.0)	1.00%
Teachers Federal Credit Union	-0.35%	(5.0)	0.67%
Bank of America	-0.33%	(5.0)	6.03%
Valley Bank	-0.27%	(5.0)	1.18%
Citibank	-0.24%	(4.5)	5.52%
Bethpage Federal Credit Union	-0.22%	(4.5)	3.19%
Investors Bank	-0.21%	(4.5)	0.41%
HSBC Bank USA	-0.21%	(4.5)	0.89%
Island Federal Credit Union	-0.21%	(4.5)	0.15%
TD Bank	-0.17%	(4.5)	2.06%
Wells Fargo Bank	-0.12%	(4.0)	12.08%
Amalgamated Bank	-0.11%	(4.0)	0.20%
Navy Federal Credit Union	-0.09%	(4.0)	0.25%
JPMorgan Chase Bank	-0.09%	(4.0)	12.41%
NCPD Federal Credit Union	-0.08%	(4.0)	0.07%
OwnersChoice Funding	-0.08%	(4.0)	0.13%
US Bank	-0.06%	(4.0)	0.41%
PNC Bank	-0.05%	(4.0)	0.51%
People’s United Bank	-0.04%	(3.5)	0.27%
United Nations Federal Credit Union	-0.03%	(3.5)	0.12%
Equity Prime Mortgage	-0.03%	(3.5)	0.04%
loanDepot	-0.03%	(3.5)	3.02%
Ally Bank	-0.03%	(3.5)	0.10%
KeyBank	-0.02%	(3.5)	0.07%
City National Bank	-0.02%	(3.5)	0.09%
Arc Home	-0.01%	(3.5)	0.13%
North American Savings Bank	-0.01%	(3.5)	0.05%
UBS Bank USA	-0.01%	(3.5)	0.12%
Ridgewood Savings Bank	-0.00%	(3.5)	0.17%
Homestead Funding Corp	-0.00%	(3.5)	0.07%
Home Point Financial Corporation	0.01%	(3.5)	0.38%
NBKC Bank	0.02%	(3.5)	0.12%
Suffolk Federal Credit Union	0.02%	(3.5)	0.02%
Academy Mortgage Corp NY	0.02%	(3.5)	0.85%
CMG Financial	0.03%	(3.5)	0.27%
Embrace Home Loans	0.03%	(3.5)	0.70%
Morgan Stanley Private Bank	0.03%	(3.5)	0.21%
CF Bank	0.03%	(3.5)	0.03%
Caliber Home Loans	0.04%	(3.5)	1.82%
First Internet Bank	0.04%	(3.5)	0.03%
Reliance First Capital	0.04%	(3.5)	0.04%
Interstate Home Loan Center	0.04%	(3.5)	0.22%
M&T Bank	0.04%	(3.5)	0.43%
Movement Mortgage	0.04%	(3.5)	0.15%
American Federal Mortgage	0.05%	(3.5)	0.06%
Guaranteed Rate	0.05%	(3.5)	0.56%
Residential Mortgage Services	0.05%	(3.5)	0.09%
Royal Business Bank	0.06%	(3.0)	0.12%
Bank of England AR	0.06%	(3.0)	0.04%
Webster Bank	0.06%	(3.0)	0.11%
Carrington Mortgage Services	0.06%	(3.0)	0.35%
PrimeLending	0.07%	(3.0)	0.08%
Lyons Mortgage Services	0.08%	(3.0)	0.09%
Luxury Mortgage Corp	0.08%	(3.0)	0.21%
GuardHill Financial Corp	0.09%	(3.0)	0.26%
TIAA Bank	0.09%	(3.0)	0.12%
USAA	0.09%	(3.0)	0.22%
The Federal Savings Bank	0.09%	(3.0)	1.81%
NJ Lenders Corp	0.10%	(3.0)	0.42%
Patriot One Mortgage Bankers LLC	0.10%	(3.0)	0.11%
HomeBridge Financial Services	0.10%	(3.0)	2.13%
Freedom Mortgage Corporation	0.11%	(3.0)	5.49%
Lynx Mortgage	0.11%	(3.0)	0.38%
Finance of America Mortgage	0.11%	(3.0)	0.13%
NewRez	0.12%	(3.0)	1.83%
Plaza Home Mortgage	0.12%	(3.0)	0.81%
Santander Bank	0.12%	(3.0)	1.49%
Nationwide Equities Corporation	0.12%	(3.0)	0.11%
Discover Bank	0.12%	(3.0)	0.01%
Evolve Bank & Trust	0.13%	(3.0)	0.26%
Mid-Island Mortgage Corp	0.13%	(3.0)	0.54%
Fairway Independent Mortgage Corporation	0.13%	(3.0)	0.69%
MLB Residential Lending	0.14%	(3.0)	0.05%
National Cooperative Bank	0.14%	(3.0)	0.06%
Mr. Cooper	0.14%	(3.0)	0.77%
Cardinal Financial Company	0.15%	(3.0)	1.23%
United Northern Mortgage Bankers	0.15%	(3.0)	0.90%
Advisors Mortgage Group	0.15%	(2.5)	0.07%
CrossCountry Mortgage	0.16%	(2.5)	0.13%
Hartford Funding, Ltd.	0.16%	(2.5)	0.20%
Bridgeview Mortgage Corp	0.16%	(2.5)	0.09%
Municipal Credit Union	0.17%	(2.5)	0.26%
Power Express Mortgage Bankers	0.18%	(2.5)	0.26%
First Home Bank	0.18%	(2.5)	0.14%
Contour Mortgage Corporation	0.19%	(2.5)	2.78%
East Coast Capital Corporation	0.19%	(2.5)	0.87%
Sierra Pacific Mortgage	0.19%	(2.5)	0.17%
Jet Direct Funding Corp	0.20%	(2.5)	0.96%
Total Mortgage Services	0.21%	(2.5)	0.07%
US Mortgage Corporation	0.21%	(2.5)	0.59%
Mortgage World Bankers	0.21%	(2.5)	0.13%
Family First Funding	0.23%	(2.5)	0.43%
Quicken Loans	0.23%	(2.5)	3.78%
Summit Mortgage Banker	0.23%	(2.5)	0.89%
Nationwide Mortgage Bankers	0.25%	(2.0)	1.44%
RealFi	0.26%	(2.0)	0.27%
Flagstar Bank	0.27%	(2.0)	0.70%
Meadowbrook Financial Mortgage Bankers	0.28%	(2.0)	1.13%
Ark Mortgage	0.30%	(2.0)	0.08%
Intercontinental Capital Group	0.30%	(2.0)	0.91%
Allied Mortgage Group	0.31%	(2.0)	0.31%
Associated Mortgage Bankers	0.31%	(2.0)	0.35%
FM Home Loans	0.32%	(2.0)	1.48%
United Mortgage Corp	0.33%	(2.0)	1.72%
Guidance Residential	0.36%	(1.5)	0.28%
Quontic Bank	0.47%	(1.0)	0.27%
Cathay Bank	0.52%	(1.0)	0.23%
East West Bank	0.85%	(1.0)	0.82%

Lender Name	Rate Difference	Rate Rating	Market Share
First Republic Bank	-0.52%	(5.0)	0.33%
Island Federal Credit Union	-0.41%	(5.0)	0.34%
Bethpage Federal Credit Union	-0.38%	(5.0)	3.51%
HSBC Bank USA	-0.37%	(5.0)	0.77%
OwnersChoice Funding	-0.26%	(5.0)	0.25%
Citibank	-0.23%	(4.5)	4.27%
Teachers Federal Credit Union	-0.22%	(4.5)	4.88%
Investors Bank	-0.22%	(4.5)	0.38%
Valley Bank	-0.21%	(4.5)	0.46%
Bank of America	-0.21%	(4.5)	2.92%
NCPD Federal Credit Union	-0.19%	(4.5)	0.11%
United Nations Federal Credit Union	-0.17%	(4.5)	0.10%
PNC Bank	-0.13%	(4.0)	0.45%
Arc Home	-0.12%	(4.0)	0.24%
loanDepot	-0.12%	(4.0)	4.39%
TD Bank	-0.12%	(4.0)	3.53%
Santander Bank	-0.11%	(4.0)	1.57%
M&T Bank	-0.11%	(4.0)	0.67%
North American Savings Bank	-0.11%	(4.0)	0.15%
First Internet Bank	-0.10%	(4.0)	0.09%
Amalgamated Bank	-0.10%	(4.0)	0.10%
CF Bank	-0.10%	(4.0)	0.15%
American Federal Mortgage	-0.10%	(4.0)	0.05%
CMG Financial	-0.08%	(4.0)	0.20%
Morgan Stanley Private Bank	-0.08%	(4.0)	0.20%
Lyons Mortgage Services	-0.07%	(4.0)	0.12%
Ridgewood Savings Bank	-0.06%	(4.0)	0.25%
US Bank	-0.06%	(4.0)	0.38%
Luxury Mortgage Corp	-0.05%	(4.0)	0.16%
Guaranteed Rate	-0.05%	(4.0)	0.25%
Suffolk Federal Credit Union	-0.05%	(3.5)	0.50%
Navy Federal Credit Union	-0.05%	(3.5)	0.12%
Wells Fargo Bank	-0.04%	(3.5)	7.19%
NBKC Bank	-0.04%	(3.5)	0.16%
Home Point Financial Corporation	-0.04%	(3.5)	0.37%
Caliber Home Loans	-0.04%	(3.5)	1.62%
Royal Business Bank	-0.03%	(3.5)	0.03%
Plaza Home Mortgage	-0.03%	(3.5)	0.42%
Academy Mortgage Corp NY	-0.03%	(3.5)	0.39%
JPMorgan Chase Bank	-0.03%	(3.5)	12.52%
Equity Prime Mortgage	-0.03%	(3.5)	0.06%
National Cooperative Bank	-0.02%	(3.5)	0.06%
Homestead Funding Corp	-0.02%	(3.5)	0.03%
People’s United Bank	-0.02%	(3.5)	0.17%
USAA	-0.02%	(3.5)	0.21%
Lynx Mortgage	-0.02%	(3.5)	0.26%
Interstate Home Loan Center	-0.02%	(3.5)	0.40%
Embrace Home Loans	-0.01%	(3.5)	0.41%
TIAA Bank	-0.01%	(3.5)	0.28%
Residential Mortgage Services	-0.01%	(3.5)	0.11%
United Northern Mortgage Bankers	-0.01%	(3.5)	0.53%
City National Bank	-0.01%	(3.5)	0.04%
GuardHill Financial Corp	-0.01%	(3.5)	0.25%
Webster Bank	-0.00%	(3.5)	0.06%
Guidance Residential	-0.00%	(3.5)	0.11%
Ally Bank	0.00%	(3.5)	0.06%
Freedom Mortgage Corporation	0.01%	(3.5)	3.19%
Sierra Pacific Mortgage	0.01%	(3.5)	0.16%
UBS Bank USA	0.01%	(3.5)	0.09%
NJ Lenders Corp	0.02%	(3.5)	0.39%
Patriot One Mortgage Bankers LLC	0.02%	(3.5)	0.11%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	0.46%
KeyBank	0.04%	(3.5)	0.05%
Municipal Credit Union	0.04%	(3.5)	0.56%
Summit Mortgage Banker	0.04%	(3.5)	0.43%
Mortgage World Bankers	0.05%	(3.5)	0.06%
Reliance First Capital	0.05%	(3.5)	0.61%
Family First Funding	0.05%	(3.5)	0.17%
Hartford Funding, Ltd.	0.05%	(3.0)	0.17%
Bank of England AR	0.06%	(3.0)	0.08%
Mid-Island Mortgage Corp	0.06%	(3.0)	0.51%
MLB Residential Lending	0.06%	(3.0)	0.11%
US Mortgage Corporation	0.06%	(3.0)	0.30%
Nationwide Equities Corporation	0.06%	(3.0)	0.03%
Contour Mortgage Corporation	0.06%	(3.0)	1.20%
Advisors Mortgage Group	0.07%	(3.0)	0.06%
Cardinal Financial Company	0.07%	(3.0)	0.89%
Allied Mortgage Group	0.07%	(3.0)	0.02%
PrimeLending	0.08%	(3.0)	0.09%
Bridgeview Mortgage Corp	0.08%	(3.0)	0.05%
Evolve Bank & Trust	0.08%	(3.0)	0.12%
Carrington Mortgage Services	0.09%	(3.0)	0.96%
The Federal Savings Bank	0.09%	(3.0)	0.71%
CrossCountry Mortgage	0.09%	(3.0)	0.05%
East Coast Capital Corporation	0.10%	(3.0)	0.39%
RealFi	0.10%	(3.0)	0.14%
NewRez	0.10%	(3.0)	2.21%
Flagstar Bank	0.11%	(3.0)	0.48%
Intercontinental Capital Group	0.11%	(3.0)	0.65%
Power Express Mortgage Bankers	0.11%	(3.0)	0.18%
HomeBridge Financial Services	0.11%	(3.0)	1.05%
Finance of America Mortgage	0.12%	(3.0)	0.04%
Movement Mortgage	0.12%	(3.0)	0.15%
Associated Mortgage Bankers	0.12%	(3.0)	0.15%
Meadowbrook Financial Mortgage Bankers	0.14%	(3.0)	1.39%
Total Mortgage Services	0.14%	(3.0)	0.05%
Nationwide Mortgage Bankers	0.17%	(2.5)	1.13%
First Home Bank	0.18%	(2.5)	0.16%
Ark Mortgage	0.19%	(2.5)	0.11%
Jet Direct Funding Corp	0.19%	(2.5)	0.35%
Quontic Bank	0.19%	(2.5)	0.11%
Quicken Loans	0.20%	(2.5)	14.80%
United Mortgage Corp	0.27%	(2.0)	1.90%
Mr. Cooper	0.30%	(2.0)	2.93%
FM Home Loans	0.34%	(2.0)	1.22%
PHH Mortgage	0.38%	(1.5)	0.23%
Discover Bank	0.43%	(1.5)	0.19%
Cathay Bank	0.53%	(1.0)	0.26%
East West Bank	0.69%	(1.0)	0.47%

Lender Name	Rate Difference	Rate Rating	Market Share
First Republic Bank	-0.63%	(5.0)	0.80%
Bank of America	-0.34%	(5.0)	4.68%
Island Federal Credit Union	-0.34%	(5.0)	0.29%
HSBC Bank USA	-0.31%	(5.0)	0.94%
Bethpage Federal Credit Union	-0.30%	(5.0)	4.02%
Valley Bank	-0.30%	(5.0)	0.94%
Investors Bank	-0.26%	(5.0)	0.43%
Citibank	-0.26%	(5.0)	4.88%
Teachers Federal Credit Union	-0.24%	(4.5)	3.09%
OwnersChoice Funding	-0.18%	(4.5)	0.22%
TD Bank	-0.17%	(4.5)	2.86%
NCPD Federal Credit Union	-0.15%	(4.0)	0.11%
Amalgamated Bank	-0.11%	(4.0)	0.19%
North American Savings Bank	-0.11%	(4.0)	0.06%
PNC Bank	-0.10%	(4.0)	0.51%
United Nations Federal Credit Union	-0.10%	(4.0)	0.13%
US Bank	-0.09%	(4.0)	0.40%
Wells Fargo Bank	-0.09%	(4.0)	9.68%
Arc Home	-0.08%	(4.0)	0.20%
JPMorgan Chase Bank	-0.08%	(4.0)	14.25%
CF Bank	-0.07%	(4.0)	0.10%
First Internet Bank	-0.06%	(4.0)	0.06%
UBS Bank USA	-0.06%	(4.0)	0.06%
City National Bank	-0.06%	(4.0)	0.03%
Ridgewood Savings Bank	-0.05%	(4.0)	0.23%
Suffolk Federal Credit Union	-0.04%	(3.5)	0.28%
M&T Bank	-0.04%	(3.5)	0.57%
loanDepot	-0.04%	(3.5)	3.34%
People’s United Bank	-0.04%	(3.5)	0.27%
Ally Bank	-0.02%	(3.5)	0.10%
Santander Bank	-0.01%	(3.5)	1.66%
Morgan Stanley Private Bank	-0.01%	(3.5)	0.15%
NBKC Bank	-0.01%	(3.5)	0.13%
Homestead Funding Corp	-0.01%	(3.5)	0.07%
CMG Financial	-0.01%	(3.5)	0.25%
American Federal Mortgage	-0.01%	(3.5)	0.07%
Equity Prime Mortgage	-0.01%	(3.5)	0.02%
KeyBank	-0.00%	(3.5)	0.05%
Lyons Mortgage Services	0.00%	(3.5)	0.13%
Interstate Home Loan Center	0.00%	(3.5)	0.24%
Home Point Financial Corporation	0.02%	(3.5)	0.35%
Residential Mortgage Services	0.02%	(3.5)	0.10%
Webster Bank	0.02%	(3.5)	0.07%
Guaranteed Rate	0.02%	(3.5)	0.46%
TIAA Bank	0.02%	(3.5)	0.21%
Embrace Home Loans	0.03%	(3.5)	0.53%
Academy Mortgage Corp NY	0.03%	(3.5)	0.67%
Luxury Mortgage Corp	0.03%	(3.5)	0.22%
GuardHill Financial Corp	0.04%	(3.5)	0.28%
Royal Business Bank	0.04%	(3.5)	0.11%
Bank of England AR	0.07%	(3.0)	0.04%
Caliber Home Loans	0.07%	(3.0)	1.62%
National Cooperative Bank	0.07%	(3.0)	0.07%
USAA	0.07%	(3.0)	0.10%
Lynx Mortgage	0.08%	(3.0)	0.32%
NJ Lenders Corp	0.08%	(3.0)	0.41%
Freedom Mortgage Corporation	0.08%	(3.0)	4.33%
PrimeLending	0.08%	(3.0)	0.08%
Municipal Credit Union	0.09%	(3.0)	0.49%
Movement Mortgage	0.09%	(3.0)	0.14%
Mid-Island Mortgage Corp	0.10%	(3.0)	0.48%
Patriot One Mortgage Bankers LLC	0.10%	(3.0)	0.07%
Carrington Mortgage Services	0.11%	(3.0)	0.19%
Reliance First Capital	0.11%	(3.0)	0.21%
MLB Residential Lending	0.11%	(3.0)	0.07%
Finance of America Mortgage	0.12%	(3.0)	0.07%
Navy Federal Credit Union	0.12%	(3.0)	0.09%
Evolve Bank & Trust	0.13%	(3.0)	0.22%
Sierra Pacific Mortgage	0.14%	(3.0)	0.18%
Advisors Mortgage Group	0.14%	(3.0)	0.07%
United Northern Mortgage Bankers	0.14%	(3.0)	0.68%
Bridgeview Mortgage Corp	0.14%	(3.0)	0.08%
Nationwide Equities Corporation	0.15%	(2.5)	0.06%
Cardinal Financial Company	0.16%	(2.5)	0.91%
CrossCountry Mortgage	0.16%	(2.5)	0.09%
Fairway Independent Mortgage Corporation	0.16%	(2.5)	0.51%
Contour Mortgage Corporation	0.17%	(2.5)	1.90%
Power Express Mortgage Bankers	0.17%	(2.5)	0.22%
Summit Mortgage Banker	0.18%	(2.5)	0.87%
US Mortgage Corporation	0.18%	(2.5)	0.47%
Family First Funding	0.19%	(2.5)	0.19%
HomeBridge Financial Services	0.19%	(2.5)	1.47%
Hartford Funding, Ltd.	0.19%	(2.5)	0.15%
Mortgage World Bankers	0.19%	(2.5)	0.11%
First Home Bank	0.21%	(2.5)	0.16%
Total Mortgage Services	0.21%	(2.5)	0.07%
East Coast Capital Corporation	0.21%	(2.5)	0.47%
NewRez	0.22%	(2.5)	1.80%
Quicken Loans	0.23%	(2.5)	9.46%
The Federal Savings Bank	0.25%	(2.5)	0.86%
Intercontinental Capital Group	0.25%	(2.5)	0.51%
Ark Mortgage	0.25%	(2.5)	0.11%
Jet Direct Funding Corp	0.25%	(2.0)	0.51%
RealFi	0.25%	(2.0)	0.16%
Nationwide Mortgage Bankers	0.26%	(2.0)	0.93%
Associated Mortgage Bankers	0.27%	(2.0)	0.33%
Meadowbrook Financial Mortgage Bankers	0.27%	(2.0)	1.02%
Guidance Residential	0.28%	(2.0)	0.26%
Plaza Home Mortgage	0.28%	(2.0)	0.42%
Flagstar Bank	0.29%	(2.0)	0.53%
Allied Mortgage Group	0.29%	(2.0)	0.23%
FM Home Loans	0.34%	(2.0)	1.52%
United Mortgage Corp	0.37%	(1.5)	1.44%
Mr. Cooper	0.39%	(1.5)	1.25%
Discover Bank	0.41%	(1.5)	0.11%
PHH Mortgage	0.41%	(1.5)	0.12%
Quontic Bank	0.51%	(1.0)	0.19%
Cathay Bank	0.55%	(1.0)	0.29%
East West Bank	0.82%	(1.0)	0.82%

Lender Name	Rate Difference	Rate Rating	Market Share
First Republic Bank	-0.63%	(5.0)	1.18%
Bank of America	-0.38%	(5.0)	6.13%
Teachers Federal Credit Union	-0.36%	(5.0)	0.88%
Valley Bank	-0.31%	(5.0)	1.31%
Investors Bank	-0.27%	(5.0)	0.46%
Citibank	-0.26%	(5.0)	5.61%
HSBC Bank USA	-0.25%	(4.5)	1.01%
Bethpage Federal Credit Union	-0.23%	(4.5)	3.96%
Island Federal Credit Union	-0.21%	(4.5)	0.20%
TD Bank	-0.21%	(4.5)	2.31%
Wells Fargo Bank	-0.12%	(4.0)	11.94%
JPMorgan Chase Bank	-0.11%	(4.0)	14.77%
Amalgamated Bank	-0.11%	(4.0)	0.25%
US Bank	-0.10%	(4.0)	0.42%
UBS Bank USA	-0.09%	(4.0)	0.08%
NCPD Federal Credit Union	-0.09%	(4.0)	0.08%
City National Bank	-0.08%	(4.0)	0.04%
OwnersChoice Funding	-0.08%	(4.0)	0.17%
PNC Bank	-0.07%	(4.0)	0.53%
People’s United Bank	-0.05%	(3.5)	0.34%
United Nations Federal Credit Union	-0.04%	(3.5)	0.14%
KeyBank	-0.04%	(3.5)	0.06%
Ally Bank	-0.03%	(3.5)	0.12%
Ridgewood Savings Bank	-0.01%	(3.5)	0.21%
Arc Home	-0.00%	(3.5)	0.14%
Homestead Funding Corp	-0.00%	(3.5)	0.09%
Suffolk Federal Credit Union	0.02%	(3.5)	0.02%
CF Bank	0.03%	(3.5)	0.04%
Morgan Stanley Private Bank	0.03%	(3.5)	0.18%
North American Savings Bank	0.03%	(3.5)	0.02%
NBKC Bank	0.04%	(3.5)	0.11%
First Internet Bank	0.04%	(3.5)	0.04%
Webster Bank	0.04%	(3.5)	0.08%
CMG Financial	0.05%	(3.5)	0.28%
Equity Prime Mortgage	0.05%	(3.5)	0.01%
Reliance First Capital	0.05%	(3.5)	0.04%
Embrace Home Loans	0.05%	(3.5)	0.69%
Movement Mortgage	0.05%	(3.0)	0.13%
American Federal Mortgage	0.05%	(3.0)	0.07%
Interstate Home Loan Center	0.05%	(3.0)	0.16%
Guaranteed Rate	0.05%	(3.0)	0.63%
Academy Mortgage Corp NY	0.05%	(3.0)	0.88%
Residential Mortgage Services	0.05%	(3.0)	0.09%
M&T Bank	0.06%	(3.0)	0.47%
Royal Business Bank	0.06%	(3.0)	0.16%
Home Point Financial Corporation	0.07%	(3.0)	0.33%
Bank of England AR	0.07%	(3.0)	0.03%
Lyons Mortgage Services	0.08%	(3.0)	0.12%
PrimeLending	0.08%	(3.0)	0.06%
GuardHill Financial Corp	0.08%	(3.0)	0.30%
Luxury Mortgage Corp	0.08%	(3.0)	0.25%
Santander Bank	0.09%	(3.0)	1.66%
loanDepot	0.09%	(3.0)	2.56%
TIAA Bank	0.09%	(3.0)	0.15%
NJ Lenders Corp	0.12%	(3.0)	0.44%
Carrington Mortgage Services	0.12%	(3.0)	0.05%
USAA	0.12%	(3.0)	0.10%
Discover Bank	0.12%	(3.0)	0.02%
Finance of America Mortgage	0.12%	(3.0)	0.09%
Freedom Mortgage Corporation	0.13%	(3.0)	5.34%
Caliber Home Loans	0.13%	(3.0)	1.74%
Lynx Mortgage	0.13%	(3.0)	0.39%
Mid-Island Mortgage Corp	0.14%	(3.0)	0.47%
Evolve Bank & Trust	0.14%	(3.0)	0.29%
National Cooperative Bank	0.14%	(3.0)	0.08%
Navy Federal Credit Union	0.16%	(2.5)	0.12%
Fairway Independent Mortgage Corporation	0.17%	(2.5)	0.71%
Municipal Credit Union	0.17%	(2.5)	0.35%
Patriot One Mortgage Bankers LLC	0.17%	(2.5)	0.07%
Nationwide Equities Corporation	0.17%	(2.5)	0.09%
MLB Residential Lending	0.17%	(2.5)	0.04%
Bridgeview Mortgage Corp	0.18%	(2.5)	0.10%
Advisors Mortgage Group	0.18%	(2.5)	0.07%
CrossCountry Mortgage	0.18%	(2.5)	0.12%
HomeBridge Financial Services	0.18%	(2.5)	1.92%
Mr. Cooper	0.20%	(2.5)	0.18%
United Northern Mortgage Bankers	0.20%	(2.5)	0.83%
Cardinal Financial Company	0.20%	(2.5)	1.02%
Contour Mortgage Corporation	0.21%	(2.5)	2.55%
First Home Bank	0.21%	(2.5)	0.15%
Power Express Mortgage Bankers	0.21%	(2.5)	0.23%
Sierra Pacific Mortgage	0.23%	(2.5)	0.19%
Summit Mortgage Banker	0.23%	(2.5)	1.17%
US Mortgage Corporation	0.23%	(2.5)	0.62%
Mortgage World Bankers	0.24%	(2.5)	0.16%
Quicken Loans	0.25%	(2.0)	4.46%
Total Mortgage Services	0.25%	(2.0)	0.07%
Hartford Funding, Ltd.	0.25%	(2.0)	0.16%
East Coast Capital Corporation	0.26%	(2.0)	0.59%
Family First Funding	0.28%	(2.0)	0.21%
NewRez	0.28%	(2.0)	1.61%
Jet Direct Funding Corp	0.28%	(2.0)	0.64%
The Federal Savings Bank	0.30%	(2.0)	1.07%
Ark Mortgage	0.30%	(2.0)	0.10%
Allied Mortgage Group	0.31%	(2.0)	0.40%
Associated Mortgage Bankers	0.31%	(2.0)	0.46%
Nationwide Mortgage Bankers	0.32%	(2.0)	0.92%
RealFi	0.32%	(2.0)	0.19%
FM Home Loans	0.34%	(2.0)	1.65%
Intercontinental Capital Group	0.35%	(1.5)	0.51%
Plaza Home Mortgage	0.36%	(1.5)	0.55%
Guidance Residential	0.36%	(1.5)	0.36%
Meadowbrook Financial Mortgage Bankers	0.36%	(1.5)	0.92%
Flagstar Bank	0.38%	(1.5)	0.60%
United Mortgage Corp	0.42%	(1.5)	1.30%
Cathay Bank	0.53%	(1.0)	0.29%
Quontic Bank	0.63%	(1.0)	0.25%
East West Bank	0.86%	(1.0)	1.06%

Lender Name	Rate Difference	Rate Rating	Market Share
First Republic Bank	-0.60%	(5.0)	0.34%
Island Federal Credit Union	-0.41%	(5.0)	0.40%
HSBC Bank USA	-0.40%	(5.0)	0.85%
Bethpage Federal Credit Union	-0.38%	(5.0)	4.10%
OwnersChoice Funding	-0.26%	(5.0)	0.29%
Investors Bank	-0.25%	(5.0)	0.40%
Citibank	-0.24%	(4.5)	3.99%
Valley Bank	-0.24%	(4.5)	0.49%
Bank of America	-0.23%	(4.5)	2.92%
Teachers Federal Credit Union	-0.22%	(4.5)	5.76%
NCPD Federal Credit Union	-0.20%	(4.5)	0.14%
United Nations Federal Credit Union	-0.19%	(4.5)	0.11%
PNC Bank	-0.15%	(4.0)	0.48%
North American Savings Bank	-0.14%	(4.0)	0.10%
loanDepot	-0.14%	(4.0)	4.29%
Arc Home	-0.14%	(4.0)	0.26%
TD Bank	-0.14%	(4.0)	3.53%
Santander Bank	-0.13%	(4.0)	1.67%
M&T Bank	-0.13%	(4.0)	0.68%
First Internet Bank	-0.12%	(4.0)	0.09%
Amalgamated Bank	-0.11%	(4.0)	0.11%
CF Bank	-0.10%	(4.0)	0.18%
American Federal Mortgage	-0.10%	(4.0)	0.06%
CMG Financial	-0.09%	(4.0)	0.22%
Ridgewood Savings Bank	-0.09%	(4.0)	0.25%
Morgan Stanley Private Bank	-0.09%	(4.0)	0.12%
US Bank	-0.08%	(4.0)	0.38%
Lyons Mortgage Services	-0.07%	(4.0)	0.15%
Guaranteed Rate	-0.06%	(4.0)	0.26%
Luxury Mortgage Corp	-0.06%	(4.0)	0.18%
Suffolk Federal Credit Union	-0.05%	(3.5)	0.60%
NBKC Bank	-0.05%	(3.5)	0.16%
Home Point Financial Corporation	-0.04%	(3.5)	0.38%
JPMorgan Chase Bank	-0.03%	(3.5)	13.62%
Royal Business Bank	-0.03%	(3.5)	0.04%
Academy Mortgage Corp NY	-0.03%	(3.5)	0.41%
Equity Prime Mortgage	-0.03%	(3.5)	0.04%
Lynx Mortgage	-0.03%	(3.5)	0.24%
Wells Fargo Bank	-0.03%	(3.5)	6.95%
Embrace Home Loans	-0.03%	(3.5)	0.34%
Interstate Home Loan Center	-0.03%	(3.5)	0.34%
People’s United Bank	-0.03%	(3.5)	0.18%
National Cooperative Bank	-0.02%	(3.5)	0.07%
Homestead Funding Corp	-0.02%	(3.5)	0.04%
TIAA Bank	-0.02%	(3.5)	0.29%
City National Bank	-0.02%	(3.5)	0.02%
Residential Mortgage Services	-0.02%	(3.5)	0.12%
GuardHill Financial Corp	-0.02%	(3.5)	0.25%
Webster Bank	-0.02%	(3.5)	0.05%
Caliber Home Loans	-0.01%	(3.5)	1.48%
Freedom Mortgage Corporation	-0.01%	(3.5)	3.10%
Guidance Residential	-0.00%	(3.5)	0.13%
Ally Bank	0.00%	(3.5)	0.07%
United Northern Mortgage Bankers	0.01%	(3.5)	0.50%
UBS Bank USA	0.01%	(3.5)	0.04%
Sierra Pacific Mortgage	0.01%	(3.5)	0.18%
Patriot One Mortgage Bankers LLC	0.02%	(3.5)	0.08%
USAA	0.02%	(3.5)	0.10%
NJ Lenders Corp	0.03%	(3.5)	0.38%
Navy Federal Credit Union	0.04%	(3.5)	0.06%
Municipal Credit Union	0.04%	(3.5)	0.67%
Summit Mortgage Banker	0.04%	(3.5)	0.51%
KeyBank	0.04%	(3.5)	0.05%
US Mortgage Corporation	0.05%	(3.5)	0.29%
Mortgage World Bankers	0.05%	(3.5)	0.06%
Mid-Island Mortgage Corp	0.05%	(3.5)	0.49%
Family First Funding	0.05%	(3.5)	0.16%
Bank of England AR	0.06%	(3.0)	0.06%
Contour Mortgage Corporation	0.07%	(3.0)	1.12%
Allied Mortgage Group	0.07%	(3.0)	0.03%
Plaza Home Mortgage	0.07%	(3.0)	0.26%
MLB Residential Lending	0.07%	(3.0)	0.10%
Advisors Mortgage Group	0.08%	(3.0)	0.06%
Nationwide Equities Corporation	0.08%	(3.0)	0.03%
Bridgeview Mortgage Corp	0.08%	(3.0)	0.06%
Cardinal Financial Company	0.08%	(3.0)	0.76%
PrimeLending	0.08%	(3.0)	0.10%
Evolve Bank & Trust	0.09%	(3.0)	0.13%
CrossCountry Mortgage	0.10%	(3.0)	0.06%
Hartford Funding, Ltd.	0.10%	(3.0)	0.14%
Carrington Mortgage Services	0.10%	(3.0)	0.37%
Reliance First Capital	0.11%	(3.0)	0.42%
East Coast Capital Corporation	0.11%	(3.0)	0.34%
Power Express Mortgage Bankers	0.12%	(3.0)	0.20%
Intercontinental Capital Group	0.12%	(3.0)	0.51%
Finance of America Mortgage	0.12%	(3.0)	0.05%
Associated Mortgage Bankers	0.13%	(3.0)	0.17%
RealFi	0.13%	(3.0)	0.12%
Movement Mortgage	0.14%	(3.0)	0.15%
The Federal Savings Bank	0.14%	(3.0)	0.60%
Fairway Independent Mortgage Corporation	0.14%	(3.0)	0.27%
Flagstar Bank	0.15%	(3.0)	0.43%
Total Mortgage Services	0.15%	(2.5)	0.06%
NewRez	0.16%	(2.5)	2.04%
Nationwide Mortgage Bankers	0.19%	(2.5)	0.94%
Meadowbrook Financial Mortgage Bankers	0.19%	(2.5)	1.14%
Ark Mortgage	0.20%	(2.5)	0.12%
Jet Direct Funding Corp	0.20%	(2.5)	0.35%
HomeBridge Financial Services	0.20%	(2.5)	0.92%
First Home Bank	0.21%	(2.5)	0.17%
Quontic Bank	0.21%	(2.5)	0.12%
Quicken Loans	0.22%	(2.5)	15.51%
United Mortgage Corp	0.33%	(2.0)	1.62%
FM Home Loans	0.35%	(2.0)	1.35%
PHH Mortgage	0.40%	(1.5)	0.26%
Mr. Cooper	0.41%	(1.5)	2.54%
Discover Bank	0.43%	(1.5)	0.23%
Cathay Bank	0.58%	(1.0)	0.28%
East West Bank	0.71%	(1.0)	0.54%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.36%	(5.0)	0.54%
NewRez	-0.26%	(5.0)	3.88%
Caliber Home Loans	-0.23%	(4.5)	3.02%
loanDepot	-0.22%	(4.5)	6.84%
Plaza Home Mortgage	-0.18%	(4.5)	2.24%
Valley Bank	-0.15%	(4.0)	0.27%
Bethpage Federal Credit Union	-0.15%	(4.0)	1.02%
Home Point Financial Corporation	-0.12%	(4.0)	0.68%
HomeBridge Financial Services	-0.11%	(4.0)	3.99%
Academy Mortgage Corp NY	-0.10%	(4.0)	1.00%
The Federal Savings Bank	-0.09%	(4.0)	5.10%
CMG Financial	-0.08%	(4.0)	0.19%
Reliance First Capital	-0.07%	(4.0)	0.86%
Fairway Independent Mortgage Corporation	-0.07%	(4.0)	1.36%
Equity Prime Mortgage	-0.06%	(4.0)	0.23%
TD Bank	-0.06%	(4.0)	0.18%
Arc Home	-0.05%	(4.0)	0.11%
Embrace Home Loans	-0.04%	(3.5)	1.10%
Sierra Pacific Mortgage	-0.04%	(3.5)	0.15%
US Bank	-0.04%	(3.5)	0.07%
North American Savings Bank	-0.04%	(3.5)	0.11%
Santander Bank	-0.04%	(3.5)	0.12%
Hartford Funding, Ltd.	-0.03%	(3.5)	0.55%
NBKC Bank	-0.02%	(3.5)	0.05%
Allied Mortgage Group	-0.02%	(3.5)	0.01%
United Northern Mortgage Bankers	-0.02%	(3.5)	1.61%
M&T Bank	-0.02%	(3.5)	0.45%
Luxury Mortgage Corp	-0.02%	(3.5)	0.07%
NJ Lenders Corp	-0.01%	(3.5)	0.58%
Investors Bank	-0.01%	(3.5)	0.01%
First Internet Bank	-0.01%	(3.5)	0.01%
Navy Federal Credit Union	-0.01%	(3.5)	0.02%
American Federal Mortgage	-0.01%	(3.5)	0.02%
TIAA Bank	-0.01%	(3.5)	0.04%
PHH Mortgage	-0.01%	(3.5)	0.06%
Homestead Funding Corp	-0.01%	(3.5)	0.02%
Wells Fargo Bank	-0.01%	(3.5)	0.04%
Citibank	-0.01%	(3.5)	0.01%
GuardHill Financial Corp	-0.01%	(3.5)	0.01%
Guaranteed Rate	-0.00%	(3.5)	0.30%
Interstate Home Loan Center	-0.00%	(3.5)	0.80%
MLB Residential Lending	-0.00%	(3.5)	0.11%
Lynx Mortgage	-0.00%	(3.5)	0.57%
Nationwide Equities Corporation	-0.00%	(3.5)	0.18%
PNC Bank	0.00%	(3.5)	0.07%
Evolve Bank & Trust	0.00%	(3.5)	0.19%
Movement Mortgage	0.01%	(3.5)	0.28%
Patriot One Mortgage Bankers LLC	0.01%	(3.5)	0.41%
People’s United Bank	0.01%	(3.5)	0.04%
Advisors Mortgage Group	0.02%	(3.5)	0.06%
First Home Bank	0.02%	(3.5)	0.15%
Bank of England AR	0.02%	(3.5)	0.09%
Associated Mortgage Bankers	0.02%	(3.5)	0.01%
Mortgage World Bankers	0.02%	(3.5)	0.10%
Quicken Loans	0.02%	(3.5)	6.28%
Residential Mortgage Services	0.02%	(3.5)	0.12%
Flagstar Bank	0.03%	(3.5)	1.11%
Cardinal Financial Company	0.03%	(3.5)	2.80%
Total Mortgage Services	0.03%	(3.5)	0.09%
PrimeLending	0.04%	(3.5)	0.11%
Freedom Mortgage Corporation	0.04%	(3.5)	8.20%
Carrington Mortgage Services	0.05%	(3.0)	3.64%
JPMorgan Chase Bank	0.06%	(3.0)	0.30%
CrossCountry Mortgage	0.06%	(3.0)	0.18%
Mr. Cooper	0.06%	(3.0)	5.51%
Quontic Bank	0.06%	(3.0)	0.40%
Power Express Mortgage Bankers	0.07%	(3.0)	0.45%
FM Home Loans	0.08%	(3.0)	0.52%
Finance of America Mortgage	0.09%	(3.0)	0.28%
East Coast Capital Corporation	0.09%	(3.0)	2.34%
Meadowbrook Financial Mortgage Bankers	0.09%	(3.0)	3.44%
US Mortgage Corporation	0.10%	(3.0)	0.80%
Jet Direct Funding Corp	0.10%	(3.0)	2.48%
Bridgeview Mortgage Corp	0.10%	(3.0)	0.09%
Mid-Island Mortgage Corp	0.10%	(3.0)	1.03%
Contour Mortgage Corporation	0.11%	(3.0)	4.60%
RealFi	0.15%	(3.0)	0.73%
Nationwide Mortgage Bankers	0.16%	(2.5)	4.61%
United Mortgage Corp	0.16%	(2.5)	5.21%
Family First Funding	0.17%	(2.5)	1.39%
Intercontinental Capital Group	0.21%	(2.5)	3.25%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.38%	(5.0)	0.74%
NewRez	-0.30%	(5.0)	3.60%
loanDepot	-0.29%	(5.0)	6.94%
Caliber Home Loans	-0.25%	(5.0)	3.07%
Plaza Home Mortgage	-0.19%	(4.5)	2.31%
Bethpage Federal Credit Union	-0.17%	(4.5)	1.24%
Valley Bank	-0.15%	(4.0)	0.39%
Home Point Financial Corporation	-0.14%	(4.0)	0.83%
Academy Mortgage Corp NY	-0.12%	(4.0)	1.20%
HomeBridge Financial Services	-0.10%	(4.0)	4.50%
The Federal Savings Bank	-0.09%	(4.0)	6.82%
CMG Financial	-0.09%	(4.0)	0.25%
TD Bank	-0.08%	(4.0)	0.18%
Equity Prime Mortgage	-0.08%	(4.0)	0.19%
Arc Home	-0.06%	(4.0)	0.12%
Embrace Home Loans	-0.06%	(4.0)	1.11%
Sierra Pacific Mortgage	-0.05%	(4.0)	0.16%
US Bank	-0.05%	(3.5)	0.09%
M&T Bank	-0.05%	(3.5)	0.39%
Santander Bank	-0.05%	(3.5)	0.14%
North American Savings Bank	-0.03%	(3.5)	0.09%
NBKC Bank	-0.03%	(3.5)	0.05%
Allied Mortgage Group	-0.02%	(3.5)	0.02%
Quicken Loans	-0.02%	(3.5)	2.31%
Luxury Mortgage Corp	-0.02%	(3.5)	0.09%
Fairway Independent Mortgage Corporation	-0.02%	(3.5)	0.90%
Reliance First Capital	-0.02%	(3.5)	0.04%
TIAA Bank	-0.01%	(3.5)	0.02%
Hartford Funding, Ltd.	-0.01%	(3.5)	0.49%
Navy Federal Credit Union	-0.01%	(3.5)	0.02%
Investors Bank	-0.01%	(3.5)	0.02%
American Federal Mortgage	-0.01%	(3.5)	0.04%
Homestead Funding Corp	-0.01%	(3.5)	0.04%
Guaranteed Rate	-0.01%	(3.5)	0.37%
Citibank	-0.00%	(3.5)	0.02%
Lynx Mortgage	-0.00%	(3.5)	0.53%
Nationwide Equities Corporation	0.00%	(3.5)	0.23%
Interstate Home Loan Center	0.00%	(3.5)	0.60%
NJ Lenders Corp	0.00%	(3.5)	0.53%
PNC Bank	0.00%	(3.5)	0.11%
United Northern Mortgage Bankers	0.00%	(3.5)	1.82%
Wells Fargo Bank	0.01%	(3.5)	0.02%
Evolve Bank & Trust	0.01%	(3.5)	0.23%
Movement Mortgage	0.01%	(3.5)	0.30%
People’s United Bank	0.01%	(3.5)	0.05%
Patriot One Mortgage Bankers LLC	0.02%	(3.5)	0.37%
First Home Bank	0.02%	(3.5)	0.14%
Residential Mortgage Services	0.02%	(3.5)	0.12%
MLB Residential Lending	0.02%	(3.5)	0.05%
Advisors Mortgage Group	0.02%	(3.5)	0.05%
Mortgage World Bankers	0.02%	(3.5)	0.09%
Cardinal Financial Company	0.03%	(3.5)	2.88%
Freedom Mortgage Corporation	0.03%	(3.5)	9.31%
Total Mortgage Services	0.03%	(3.5)	0.09%
Bank of England AR	0.03%	(3.5)	0.07%
Flagstar Bank	0.04%	(3.5)	1.36%
Carrington Mortgage Services	0.04%	(3.5)	2.14%
PrimeLending	0.04%	(3.5)	0.14%
JPMorgan Chase Bank	0.06%	(3.0)	0.18%
CrossCountry Mortgage	0.06%	(3.0)	0.26%
Quontic Bank	0.07%	(3.0)	0.55%
Power Express Mortgage Bankers	0.08%	(3.0)	0.60%
FM Home Loans	0.09%	(3.0)	0.76%
Finance of America Mortgage	0.09%	(3.0)	0.41%
East Coast Capital Corporation	0.10%	(3.0)	2.90%
US Mortgage Corporation	0.10%	(3.0)	0.88%
Jet Direct Funding Corp	0.10%	(3.0)	3.30%
Bridgeview Mortgage Corp	0.10%	(3.0)	0.12%
Mid-Island Mortgage Corp	0.12%	(3.0)	1.04%
Mr. Cooper	0.12%	(3.0)	4.27%
Contour Mortgage Corporation	0.13%	(3.0)	5.46%
Meadowbrook Financial Mortgage Bankers	0.14%	(3.0)	2.81%
Nationwide Mortgage Bankers	0.18%	(2.5)	5.14%
Family First Funding	0.18%	(2.5)	1.87%
RealFi	0.18%	(2.5)	0.85%
United Mortgage Corp	0.19%	(2.5)	4.93%
Intercontinental Capital Group	0.25%	(2.0)	3.64%

Lender Name	Rate Difference	Rate Rating	Market Share
NewRez	-0.18%	(4.5)	4.50%
HomeBridge Financial Services	-0.17%	(4.5)	2.86%
Plaza Home Mortgage	-0.17%	(4.5)	2.07%
Caliber Home Loans	-0.16%	(4.5)	2.90%
Fairway Independent Mortgage Corporation	-0.11%	(4.0)	2.39%
United Northern Mortgage Bankers	-0.10%	(4.0)	1.14%
The Federal Savings Bank	-0.08%	(4.0)	1.29%
Reliance First Capital	-0.07%	(4.0)	2.70%
Home Point Financial Corporation	-0.05%	(4.0)	0.35%
Hartford Funding, Ltd.	-0.05%	(3.5)	0.67%
North American Savings Bank	-0.05%	(3.5)	0.16%
loanDepot	-0.04%	(3.5)	6.61%
Equity Prime Mortgage	-0.04%	(3.5)	0.31%
NJ Lenders Corp	-0.04%	(3.5)	0.70%
Flagstar Bank	-0.03%	(3.5)	0.55%
Arc Home	-0.03%	(3.5)	0.08%
TD Bank	-0.03%	(3.5)	0.20%
Bank of America	-0.02%	(3.5)	0.08%
Academy Mortgage Corp NY	-0.02%	(3.5)	0.55%
MLB Residential Lending	-0.02%	(3.5)	0.23%
Wells Fargo Bank	-0.02%	(3.5)	0.08%
Sierra Pacific Mortgage	-0.02%	(3.5)	0.12%
First Internet Bank	-0.02%	(3.5)	0.04%
CMG Financial	-0.02%	(3.5)	0.08%
Bethpage Federal Credit Union	-0.01%	(3.5)	0.55%
Navy Federal Credit Union	-0.01%	(3.5)	0.04%
TIAA Bank	-0.01%	(3.5)	0.08%
PHH Mortgage	-0.01%	(3.5)	0.20%
NBKC Bank	-0.01%	(3.5)	0.04%
Interstate Home Loan Center	-0.01%	(3.5)	1.25%
Evolve Bank & Trust	-0.01%	(3.5)	0.12%
GuardHill Financial Corp	-0.01%	(3.5)	0.04%
Santander Bank	-0.01%	(3.5)	0.08%
Embrace Home Loans	-0.01%	(3.5)	1.06%
Bank of England AR	-0.00%	(3.5)	0.12%
Quontic Bank	-0.00%	(3.5)	0.08%
Power Express Mortgage Bankers	-0.00%	(3.5)	0.12%
Lynx Mortgage	-0.00%	(3.5)	0.67%
US Bank	-0.00%	(3.5)	0.04%
Mr. Cooper	0.00%	(3.5)	8.26%
Nationwide Equities Corporation	0.00%	(3.5)	0.08%
Patriot One Mortgage Bankers LLC	0.00%	(3.5)	0.51%
Luxury Mortgage Corp	0.00%	(3.5)	0.04%
Advisors Mortgage Group	0.00%	(3.5)	0.08%
RealFi	0.01%	(3.5)	0.47%
First Home Bank	0.01%	(3.5)	0.16%
Guaranteed Rate	0.01%	(3.5)	0.16%
Movement Mortgage	0.01%	(3.5)	0.23%
Meadowbrook Financial Mortgage Bankers	0.02%	(3.5)	4.85%
PrimeLending	0.02%	(3.5)	0.04%
Associated Mortgage Bankers	0.02%	(3.5)	0.04%
Mortgage World Bankers	0.02%	(3.5)	0.12%
Cardinal Financial Company	0.03%	(3.5)	2.62%
M&T Bank	0.03%	(3.5)	0.59%
Contour Mortgage Corporation	0.03%	(3.5)	2.70%
Total Mortgage Services	0.03%	(3.5)	0.08%
Residential Mortgage Services	0.03%	(3.5)	0.12%
Quicken Loans	0.03%	(3.5)	15.07%
East Coast Capital Corporation	0.04%	(3.5)	1.10%
Family First Funding	0.04%	(3.5)	0.31%
JPMorgan Chase Bank	0.06%	(3.0)	0.59%
Carrington Mortgage Services	0.07%	(3.0)	6.97%
Intercontinental Capital Group	0.08%	(3.0)	2.39%
Mid-Island Mortgage Corp	0.08%	(3.0)	1.02%
Freedom Mortgage Corporation	0.08%	(3.0)	5.75%
US Mortgage Corporation	0.10%	(3.0)	0.63%
Jet Direct Funding Corp	0.11%	(3.0)	0.67%
United Mortgage Corp	0.11%	(3.0)	5.83%
Nationwide Mortgage Bankers	0.12%	(3.0)	3.44%

Lender Name	Rate Difference	Rate Rating	Market Share
Citibank	-0.15%	(4.0)	15.38%
Bank of America	-0.10%	(4.0)	12.74%
Wells Fargo Bank	-0.07%	(4.0)	31.33%
Morgan Stanley Private Bank	0.02%	(3.5)	1.20%
Valley Bank	0.04%	(3.5)	1.14%
KeyBank	0.04%	(3.5)	0.30%
First Republic Bank	0.05%	(3.5)	1.16%
HSBC Bank USA	0.05%	(3.5)	1.38%
Navy Federal Credit Union	0.05%	(3.0)	0.08%
City National Bank	0.05%	(3.0)	0.55%
NCPD Federal Credit Union	0.05%	(3.0)	0.02%
NJ Lenders Corp	0.06%	(3.0)	0.02%
TD Bank	0.06%	(3.0)	5.42%
United Nations Federal Credit Union	0.06%	(3.0)	0.20%
Fairway Independent Mortgage Corporation	0.06%	(3.0)	0.02%
CrossCountry Mortgage	0.06%	(3.0)	0.02%
Amalgamated Bank	0.06%	(3.0)	0.08%
M&T Bank	0.06%	(3.0)	0.32%
First Internet Bank	0.06%	(3.0)	0.04%
Ally Bank	0.06%	(3.0)	0.12%
Mid-Island Mortgage Corp	0.07%	(3.0)	0.02%
Academy Mortgage Corp NY	0.07%	(3.0)	0.02%
People’s United Bank	0.07%	(3.0)	0.16%
Island Federal Credit Union	0.07%	(3.0)	0.02%
Home Point Financial Corporation	0.07%	(3.0)	0.02%
Residential Mortgage Services	0.07%	(3.0)	0.06%
Mortgage World Bankers	0.07%	(3.0)	0.02%
American Federal Mortgage	0.07%	(3.0)	0.02%
NBKC Bank	0.07%	(3.0)	0.02%
Ark Mortgage	0.07%	(3.0)	0.04%
Bridgeview Mortgage Corp	0.07%	(3.0)	0.02%
Arc Home	0.08%	(3.0)	0.04%
Reliance First Capital	0.08%	(3.0)	0.02%
United Mortgage Corp	0.08%	(3.0)	0.04%
National Cooperative Bank	0.08%	(3.0)	0.02%
Embrace Home Loans	0.08%	(3.0)	0.08%
Movement Mortgage	0.08%	(3.0)	0.04%
First Home Bank	0.08%	(3.0)	0.02%
PNC Bank	0.08%	(3.0)	0.79%
Contour Mortgage Corporation	0.09%	(3.0)	0.04%
UBS Bank USA	0.09%	(3.0)	0.83%
Lynx Mortgage	0.09%	(3.0)	0.06%
The Federal Savings Bank	0.10%	(3.0)	0.04%
Quicken Loans	0.10%	(3.0)	0.14%
Flagstar Bank	0.10%	(3.0)	0.12%
TIAA Bank	0.11%	(3.0)	0.20%
Guaranteed Rate	0.11%	(3.0)	0.20%
Bethpage Federal Credit Union	0.11%	(3.0)	0.28%
US Bank	0.11%	(3.0)	0.93%
Webster Bank	0.12%	(3.0)	0.43%
Quontic Bank	0.12%	(3.0)	0.04%
Caliber Home Loans	0.12%	(3.0)	0.12%
HomeBridge Financial Services	0.12%	(3.0)	0.12%
Summit Mortgage Banker	0.12%	(3.0)	0.06%
Freedom Mortgage Corporation	0.12%	(3.0)	0.10%
Teachers Federal Credit Union	0.13%	(3.0)	0.30%
Luxury Mortgage Corp	0.13%	(3.0)	0.10%
Cardinal Financial Company	0.15%	(3.0)	0.16%
Ridgewood Savings Bank	0.15%	(3.0)	0.32%
GuardHill Financial Corp	0.15%	(3.0)	0.47%
JPMorgan Chase Bank	0.15%	(2.5)	15.24%
Investors Bank	0.15%	(2.5)	0.69%
Plaza Home Mortgage	0.17%	(2.5)	0.14%
Cathay Bank	0.18%	(2.5)	0.22%
East West Bank	0.22%	(2.5)	0.24%
Santander Bank	0.28%	(2.0)	2.56%
loanDepot	0.28%	(2.0)	0.63%
FM Home Loans	0.35%	(1.5)	1.44%
NewRez	0.42%	(1.5)	0.87%

Lender Name	Rate Difference	Rate Rating	Market Share
Citibank	-0.14%	(4.0)	14.77%
Bank of America	-0.12%	(4.0)	14.77%
Wells Fargo Bank	-0.07%	(4.0)	34.64%
Valley Bank	0.04%	(3.5)	1.33%
KeyBank	0.04%	(3.5)	0.35%
Teachers Federal Credit Union	0.05%	(3.5)	0.06%
People’s United Bank	0.05%	(3.0)	0.09%
Navy Federal Credit Union	0.05%	(3.0)	0.12%
City National Bank	0.05%	(3.0)	0.64%
NCPD Federal Credit Union	0.05%	(3.0)	0.03%
Amalgamated Bank	0.06%	(3.0)	0.06%
HSBC Bank USA	0.06%	(3.0)	1.51%
United Nations Federal Credit Union	0.06%	(3.0)	0.20%
Ally Bank	0.06%	(3.0)	0.12%
Mid-Island Mortgage Corp	0.07%	(3.0)	0.03%
Morgan Stanley Private Bank	0.07%	(3.0)	0.87%
Academy Mortgage Corp NY	0.07%	(3.0)	0.03%
M&T Bank	0.07%	(3.0)	0.20%
First Republic Bank	0.07%	(3.0)	1.27%
Island Federal Credit Union	0.07%	(3.0)	0.03%
Mortgage World Bankers	0.07%	(3.0)	0.03%
American Federal Mortgage	0.07%	(3.0)	0.03%
NBKC Bank	0.07%	(3.0)	0.03%
Residential Mortgage Services	0.07%	(3.0)	0.06%
Bridgeview Mortgage Corp	0.08%	(3.0)	0.03%
United Mortgage Corp	0.08%	(3.0)	0.06%
National Cooperative Bank	0.08%	(3.0)	0.03%
Movement Mortgage	0.08%	(3.0)	0.06%
First Home Bank	0.08%	(3.0)	0.03%
Embrace Home Loans	0.09%	(3.0)	0.09%
TD Bank	0.09%	(3.0)	3.30%
Contour Mortgage Corporation	0.09%	(3.0)	0.06%
PNC Bank	0.09%	(3.0)	0.72%
Lynx Mortgage	0.09%	(3.0)	0.09%
TIAA Bank	0.09%	(3.0)	0.09%
Bethpage Federal Credit Union	0.11%	(3.0)	0.26%
UBS Bank USA	0.11%	(3.0)	0.72%
Guaranteed Rate	0.12%	(3.0)	0.23%
Quicken Loans	0.12%	(3.0)	0.09%
Flagstar Bank	0.12%	(3.0)	0.12%
HomeBridge Financial Services	0.12%	(3.0)	0.12%
Summit Mortgage Banker	0.12%	(3.0)	0.09%
Freedom Mortgage Corporation	0.12%	(3.0)	0.14%
US Bank	0.13%	(3.0)	0.87%
Cathay Bank	0.13%	(3.0)	0.09%
Webster Bank	0.13%	(3.0)	0.52%
Ridgewood Savings Bank	0.14%	(3.0)	0.14%
Caliber Home Loans	0.15%	(3.0)	0.12%
Cardinal Financial Company	0.15%	(3.0)	0.23%
Luxury Mortgage Corp	0.15%	(3.0)	0.09%
Plaza Home Mortgage	0.17%	(2.5)	0.20%
Investors Bank	0.17%	(2.5)	0.67%
GuardHill Financial Corp	0.19%	(2.5)	0.38%
JPMorgan Chase Bank	0.20%	(2.5)	13.70%
East West Bank	0.25%	(2.0)	0.23%
loanDepot	0.33%	(2.0)	0.72%
Santander Bank	0.36%	(1.5)	2.43%
FM Home Loans	0.39%	(1.5)	1.39%
NewRez	0.41%	(1.5)	0.67%

Lender Name	Rate Difference	Rate Rating	Market Share
Citibank	-0.15%	(4.5)	16.68%
Wells Fargo Bank	-0.06%	(4.0)	24.31%
Bank of America	-0.03%	(3.5)	8.43%
Morgan Stanley Private Bank	-0.03%	(3.5)	1.91%
First Republic Bank	-0.01%	(3.5)	0.92%
HSBC Bank USA	0.02%	(3.5)	1.11%
TD Bank	0.03%	(3.5)	9.91%
City National Bank	0.04%	(3.5)	0.37%
United Nations Federal Credit Union	0.05%	(3.5)	0.18%
KeyBank	0.05%	(3.0)	0.18%
NJ Lenders Corp	0.05%	(3.0)	0.06%
UBS Bank USA	0.06%	(3.0)	1.05%
Fairway Independent Mortgage Corporation	0.06%	(3.0)	0.06%
CrossCountry Mortgage	0.06%	(3.0)	0.06%
M&T Bank	0.06%	(3.0)	0.55%
Residential Mortgage Services	0.06%	(3.0)	0.06%
Embrace Home Loans	0.06%	(3.0)	0.06%
First Internet Bank	0.06%	(3.0)	0.12%
Caliber Home Loans	0.06%	(3.0)	0.12%
Valley Bank	0.06%	(3.0)	0.74%
Ally Bank	0.07%	(3.0)	0.12%
Home Point Financial Corporation	0.07%	(3.0)	0.06%
Guaranteed Rate	0.07%	(3.0)	0.12%
Amalgamated Bank	0.07%	(3.0)	0.12%
Flagstar Bank	0.07%	(3.0)	0.12%
Ark Mortgage	0.07%	(3.0)	0.12%
PNC Bank	0.07%	(3.0)	0.92%
Arc Home	0.07%	(3.0)	0.12%
Reliance First Capital	0.07%	(3.0)	0.06%
People’s United Bank	0.07%	(3.0)	0.31%
Webster Bank	0.07%	(3.0)	0.25%
JPMorgan Chase Bank	0.08%	(3.0)	18.52%
US Bank	0.09%	(3.0)	1.05%
Quicken Loans	0.09%	(3.0)	0.25%
The Federal Savings Bank	0.10%	(3.0)	0.12%
GuardHill Financial Corp	0.10%	(3.0)	0.68%
TIAA Bank	0.11%	(3.0)	0.43%
Luxury Mortgage Corp	0.11%	(3.0)	0.12%
Bethpage Federal Credit Union	0.11%	(3.0)	0.31%
HomeBridge Financial Services	0.11%	(3.0)	0.12%
Quontic Bank	0.11%	(3.0)	0.12%
Investors Bank	0.12%	(3.0)	0.74%
loanDepot	0.12%	(3.0)	0.43%
Santander Bank	0.12%	(3.0)	2.83%
Teachers Federal Credit Union	0.14%	(3.0)	0.80%
Ridgewood Savings Bank	0.15%	(3.0)	0.68%
East West Bank	0.15%	(2.5)	0.25%
Cathay Bank	0.20%	(2.5)	0.49%
FM Home Loans	0.28%	(2.0)	1.54%
NewRez	0.43%	(1.5)	1.29%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.23%	(4.5)	6.74%
loanDepot	-0.16%	(4.5)	6.07%
Caliber Home Loans	-0.08%	(4.0)	5.14%
NewRez	-0.08%	(4.0)	2.53%
PNC Bank	-0.08%	(4.0)	1.10%
North American Savings Bank	-0.07%	(4.0)	2.02%
Plaza Home Mortgage	-0.07%	(4.0)	2.19%
Wells Fargo Bank	-0.05%	(3.5)	1.85%
NBKC Bank	-0.05%	(3.5)	1.60%
Guaranteed Rate	-0.03%	(3.5)	0.84%
M&T Bank	-0.02%	(3.5)	0.34%
CMG Financial	-0.02%	(3.5)	1.01%
Residential Mortgage Services	-0.02%	(3.5)	0.08%
Fairway Independent Mortgage Corporation	-0.02%	(3.5)	1.35%
Bethpage Federal Credit Union	-0.01%	(3.5)	0.17%
Patriot One Mortgage Bankers LLC	-0.01%	(3.5)	0.08%
US Bank	-0.01%	(3.5)	0.34%
Home Point Financial Corporation	-0.01%	(3.5)	0.84%
Finance of America Mortgage	-0.01%	(3.5)	0.17%
TD Bank	-0.01%	(3.5)	0.25%
Valley Bank	-0.00%	(3.5)	0.51%
Advisors Mortgage Group	-0.00%	(3.5)	0.25%
Lynx Mortgage	-0.00%	(3.5)	0.08%
Evolve Bank & Trust	-0.00%	(3.5)	0.17%
Arc Home	0.00%	(3.5)	0.17%
Santander Bank	0.00%	(3.5)	0.08%
Embrace Home Loans	0.00%	(3.5)	1.01%
People’s United Bank	0.00%	(3.5)	0.08%
Equity Prime Mortgage	0.00%	(3.5)	0.08%
Bank of America	0.00%	(3.5)	0.08%
First Home Bank	0.00%	(3.5)	0.25%
Associated Mortgage Bankers	0.00%	(3.5)	0.17%
Nationwide Equities Corporation	0.00%	(3.5)	0.25%
The Federal Savings Bank	0.00%	(3.5)	3.37%
Movement Mortgage	0.00%	(3.5)	0.17%
United Northern Mortgage Bankers	0.01%	(3.5)	0.93%
JPMorgan Chase Bank	0.01%	(3.5)	1.26%
PrimeLending	0.01%	(3.5)	0.34%
HomeBridge Financial Services	0.01%	(3.5)	1.52%
MLB Residential Lending	0.01%	(3.5)	0.25%
Mid-Island Mortgage Corp	0.01%	(3.5)	1.60%
Total Mortgage Services	0.01%	(3.5)	0.08%
Family First Funding	0.01%	(3.5)	0.51%
US Mortgage Corporation	0.01%	(3.5)	0.08%
USAA	0.01%	(3.5)	8.09%
Hartford Funding, Ltd.	0.02%	(3.5)	0.34%
NJ Lenders Corp	0.02%	(3.5)	0.67%
Academy Mortgage Corp NY	0.02%	(3.5)	0.59%
RealFi	0.02%	(3.5)	0.34%
Interstate Home Loan Center	0.02%	(3.5)	0.34%
Jet Direct Funding Corp	0.02%	(3.5)	0.34%
East Coast Capital Corporation	0.02%	(3.5)	0.76%
Intercontinental Capital Group	0.02%	(3.5)	0.76%
Reliance First Capital	0.02%	(3.5)	0.84%
Flagstar Bank	0.03%	(3.5)	3.03%
Bank of England AR	0.03%	(3.5)	0.51%
Cardinal Financial Company	0.04%	(3.5)	1.52%
Meadowbrook Financial Mortgage Bankers	0.04%	(3.5)	1.94%
Mr. Cooper	0.04%	(3.5)	3.12%
Nationwide Mortgage Bankers	0.05%	(3.0)	1.68%
Freedom Mortgage Corporation	0.05%	(3.0)	6.23%
United Mortgage Corp	0.06%	(3.0)	2.11%
Contour Mortgage Corporation	0.07%	(3.0)	3.03%
Carrington Mortgage Services	0.07%	(3.0)	1.77%
Quicken Loans	0.16%	(2.5)	13.98%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.26%	(5.0)	9.72%
NewRez	-0.09%	(4.0)	2.97%
loanDepot	-0.08%	(4.0)	2.47%
Caliber Home Loans	-0.07%	(4.0)	4.12%
PNC Bank	-0.06%	(4.0)	2.14%
Plaza Home Mortgage	-0.05%	(4.0)	2.97%
Wells Fargo Bank	-0.04%	(3.5)	3.13%
NBKC Bank	-0.04%	(3.5)	2.14%
North American Savings Bank	-0.04%	(3.5)	1.48%
Mr. Cooper	-0.01%	(3.5)	1.81%
Guaranteed Rate	-0.01%	(3.5)	1.15%
CMG Financial	-0.01%	(3.5)	1.32%
Bethpage Federal Credit Union	-0.00%	(3.5)	0.16%
Residential Mortgage Services	-0.00%	(3.5)	0.16%
M&T Bank	-0.00%	(3.5)	0.16%
TD Bank	-0.00%	(3.5)	0.16%
Reliance First Capital	0.00%	(3.5)	0.33%
Patriot One Mortgage Bankers LLC	0.00%	(3.5)	0.16%
US Bank	0.00%	(3.5)	0.66%
Finance of America Mortgage	0.01%	(3.5)	0.33%
JPMorgan Chase Bank	0.01%	(3.5)	1.81%
Bank of England AR	0.01%	(3.5)	0.16%
Valley Bank	0.01%	(3.5)	0.82%
Lynx Mortgage	0.01%	(3.5)	0.16%
Evolve Bank & Trust	0.01%	(3.5)	0.33%
Embrace Home Loans	0.01%	(3.5)	0.49%
Fairway Independent Mortgage Corporation	0.02%	(3.5)	1.48%
People’s United Bank	0.02%	(3.5)	0.16%
Advisors Mortgage Group	0.02%	(3.5)	0.33%
Equity Prime Mortgage	0.02%	(3.5)	0.16%
Bank of America	0.02%	(3.5)	0.16%
Nationwide Equities Corporation	0.02%	(3.5)	0.33%
Home Point Financial Corporation	0.02%	(3.5)	0.99%
United Northern Mortgage Bankers	0.02%	(3.5)	1.15%
First Home Bank	0.02%	(3.5)	0.16%
Total Mortgage Services	0.03%	(3.5)	0.16%
US Mortgage Corporation	0.03%	(3.5)	0.16%
Movement Mortgage	0.03%	(3.5)	0.16%
PrimeLending	0.03%	(3.5)	0.49%
MLB Residential Lending	0.03%	(3.5)	0.33%
Associated Mortgage Bankers	0.03%	(3.5)	0.16%
Intercontinental Capital Group	0.03%	(3.5)	0.82%
Mid-Island Mortgage Corp	0.03%	(3.5)	2.47%
HomeBridge Financial Services	0.03%	(3.5)	1.81%
Family First Funding	0.03%	(3.5)	0.49%
Jet Direct Funding Corp	0.04%	(3.5)	0.66%
Hartford Funding, Ltd.	0.04%	(3.5)	0.49%
Academy Mortgage Corp NY	0.04%	(3.5)	0.99%
Interstate Home Loan Center	0.04%	(3.5)	0.49%
NJ Lenders Corp	0.04%	(3.5)	0.99%
RealFi	0.05%	(3.5)	0.49%
East Coast Capital Corporation	0.05%	(3.5)	1.15%
The Federal Savings Bank	0.05%	(3.5)	2.31%
Carrington Mortgage Services	0.06%	(3.0)	0.66%
Freedom Mortgage Corporation	0.06%	(3.0)	7.74%
United Mortgage Corp	0.06%	(3.0)	2.47%
Meadowbrook Financial Mortgage Bankers	0.07%	(3.0)	2.80%
USAA	0.08%	(3.0)	9.72%
Nationwide Mortgage Bankers	0.08%	(3.0)	1.48%
Cardinal Financial Company	0.08%	(3.0)	1.98%
Contour Mortgage Corporation	0.09%	(3.0)	4.78%
Quicken Loans	0.10%	(3.0)	4.61%
Flagstar Bank	0.13%	(3.0)	2.80%

Lender Name	Rate Difference	Rate Rating	Market Share
loanDepot	-0.19%	(4.5)	9.83%
Navy Federal Credit Union	-0.14%	(4.0)	3.62%
Caliber Home Loans	-0.10%	(4.0)	6.21%
North American Savings Bank	-0.09%	(4.0)	2.59%
Plaza Home Mortgage	-0.08%	(4.0)	1.38%
USAA	-0.08%	(4.0)	6.38%
Flagstar Bank	-0.07%	(4.0)	3.28%
NewRez	-0.07%	(4.0)	2.07%
Fairway Independent Mortgage Corporation	-0.05%	(4.0)	1.21%
Guaranteed Rate	-0.05%	(3.5)	0.52%
Home Point Financial Corporation	-0.05%	(3.5)	0.69%
NBKC Bank	-0.04%	(3.5)	1.03%
M&T Bank	-0.04%	(3.5)	0.52%
Mid-Island Mortgage Corp	-0.04%	(3.5)	0.69%
CMG Financial	-0.03%	(3.5)	0.69%
Academy Mortgage Corp NY	-0.03%	(3.5)	0.17%
East Coast Capital Corporation	-0.03%	(3.5)	0.34%
RealFi	-0.03%	(3.5)	0.17%
Advisors Mortgage Group	-0.03%	(3.5)	0.17%
The Federal Savings Bank	-0.03%	(3.5)	4.48%
Associated Mortgage Bankers	-0.03%	(3.5)	0.17%
Cardinal Financial Company	-0.03%	(3.5)	1.03%
NJ Lenders Corp	-0.02%	(3.5)	0.34%
Meadowbrook Financial Mortgage Bankers	-0.02%	(3.5)	1.03%
Bethpage Federal Credit Union	-0.02%	(3.5)	0.17%
PrimeLending	-0.02%	(3.5)	0.17%
HomeBridge Financial Services	-0.02%	(3.5)	1.21%
Valley Bank	-0.02%	(3.5)	0.17%
Movement Mortgage	-0.02%	(3.5)	0.17%
United Northern Mortgage Bankers	-0.02%	(3.5)	0.69%
Hartford Funding, Ltd.	-0.02%	(3.5)	0.17%
TD Bank	-0.02%	(3.5)	0.34%
MLB Residential Lending	-0.02%	(3.5)	0.17%
First Home Bank	-0.02%	(3.5)	0.34%
Arc Home	-0.02%	(3.5)	0.34%
Nationwide Equities Corporation	-0.01%	(3.5)	0.17%
Santander Bank	-0.01%	(3.5)	0.17%
Interstate Home Loan Center	-0.01%	(3.5)	0.17%
Embrace Home Loans	-0.01%	(3.5)	1.55%
Family First Funding	-0.01%	(3.5)	0.52%
Wells Fargo Bank	-0.01%	(3.5)	0.52%
Intercontinental Capital Group	0.01%	(3.5)	0.69%
Reliance First Capital	0.02%	(3.5)	1.38%
Contour Mortgage Corporation	0.02%	(3.5)	1.21%
Nationwide Mortgage Bankers	0.03%	(3.5)	1.90%
Bank of England AR	0.03%	(3.5)	0.86%
JPMorgan Chase Bank	0.03%	(3.5)	0.69%
Freedom Mortgage Corporation	0.04%	(3.5)	4.66%
United Mortgage Corp	0.05%	(3.0)	1.72%
Mr. Cooper	0.06%	(3.0)	4.48%
Carrington Mortgage Services	0.07%	(3.0)	2.93%
Quicken Loans	0.16%	(2.5)	23.79%

* Data is compiled for the New York, NY commuting zone area, which comprises of counties of Bronx County, NY, Kings County, NY, Nassau County, NY, New York County, NY, Queens County, NY, Richmond County, NY, and Suffolk County, NY. This includes cities/towns/communities of New York, NY as well as Levittown, NY, Commack, NY, Coram, NY, West Babylon, NY, Hicksville, NY, Valley Stream, NY, Oceanside, NY, Freeport, NY, Long Beach, NY, Brentwood, NY, East Meadow, NY, West Islip, NY, Shirley, NY, Plainview, NY, Dix Hills, NY, Central Islip, NY, Smithtown, NY, Medford, NY, Deer Park, NY, Centereach, NY, Holbrook, NY, Merrick, NY, Elmont, NY, Massapequa, NY, Lindenhurst, NY, Baldwin, NY, Hempstead, NY, Franklin Square, NY, Huntington Station, NY, Rockville Centre, NY, Garden City, NY, Bay Shore, NY, Copiague, NY, East Patchogue, NY, Wantagh, NY, East Massapequa, NY, Rocky Point, NY, East Northport, NY, Massapequa Park, NY, Huntington, NY, Ronkonkoma, NY, Lake Ronkonkoma, NY, Hauppauge, NY, Islip, NY, Farmingville, NY, Northwest Harbor, NY, West Hempstead, NY, Syosset, NY, Selden, NY, and North Massapequa, NY. 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.

Mortgage Lender Rankings in Other Cities

This page contains information about the top mortgage lenders in the New York, NY area. For mortgage lender rankings in other cities, click here.