Top Mortgage Lenders in Yonkers, NY

Which mortgage lender in the Yonkers, 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 Yonkers, 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 Yonkers, NY area in terms of interest rate is Bank of America, with an average “Rate Difference” of -0.27%. This means that, comparing similar borrowers, Bank of America provided a -0.27% lower interest rate for its customers than other lenders in the area. Bank of America has a market share of 3.7%. On the other hand, the most popular lender in the Yonkers, NY area is Quicken Loans, with a larger market share of 12.4%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.19% compared to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed ranking of mortgage lenders in the Yonkers, 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 Yonkers, NY is Bank of America. 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 NewRez. 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 Yonkers, NY

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.27%	(5.0)	3.67%
Citibank	-0.22%	(4.5)	2.81%
HSBC Bank USA	-0.21%	(4.5)	0.60%
Trustco Bank	-0.21%	(4.5)	1.06%
Hudson Valley Credit Union	-0.19%	(4.5)	4.15%
TD Bank	-0.13%	(4.0)	1.73%
TEG Federal Credit Union	-0.13%	(4.0)	0.65%
Bethpage Federal Credit Union	-0.12%	(4.0)	0.24%
Ulster Savings Bank	-0.12%	(4.0)	2.59%
Homestead Funding Corp	-0.12%	(4.0)	3.06%
William Raveis Mortgage	-0.09%	(4.0)	0.22%
First Republic Bank	-0.09%	(4.0)	0.15%
Mid-Hudson Valley Federal Credit Union	-0.08%	(4.0)	1.44%
Valley Bank	-0.07%	(4.0)	1.02%
JPMorgan Chase Bank	-0.06%	(4.0)	9.88%
KeyBank	-0.06%	(4.0)	2.41%
Homeowners Advantage	-0.06%	(4.0)	0.14%
North American Savings Bank	-0.04%	(3.5)	0.17%
Thoroughbred Mortgage	-0.04%	(3.5)	0.67%
Wells Fargo Bank	-0.04%	(3.5)	8.59%
Home Point Financial Corporation	-0.03%	(3.5)	0.69%
US Bank	-0.02%	(3.5)	0.31%
loanDepot	-0.02%	(3.5)	6.81%
People’s United Bank	-0.02%	(3.5)	0.15%
PNC Bank	-0.02%	(3.5)	0.20%
M&T Bank	-0.01%	(3.5)	1.46%
Webster Bank	-0.00%	(3.5)	0.36%
Morgan Stanley Private Bank	-0.00%	(3.5)	0.20%
CMG Financial	0.00%	(3.5)	0.25%
Freedom Mortgage Corporation	0.00%	(3.5)	1.69%
Ally Bank	0.00%	(3.5)	0.13%
United Nations Federal Credit Union	0.01%	(3.5)	0.13%
NBKC Bank	0.01%	(3.5)	0.28%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	0.47%
NewRez	0.02%	(3.5)	1.76%
Navy Federal Credit Union	0.03%	(3.5)	0.54%
NJ Lenders Corp	0.03%	(3.5)	0.37%
Guaranteed Rate	0.04%	(3.5)	2.22%
Santander Bank	0.04%	(3.5)	0.45%
Arc Home	0.04%	(3.5)	0.16%
TIAA Bank	0.04%	(3.5)	0.33%
Caliber Home Loans	0.04%	(3.5)	1.15%
Residential Mortgage Services	0.04%	(3.5)	0.13%
Luxury Mortgage Corp	0.04%	(3.5)	0.85%
Weichert Financial Services	0.04%	(3.5)	0.37%
Contour Mortgage Corporation	0.06%	(3.0)	0.24%
Mid-Island Mortgage Corp	0.06%	(3.0)	0.21%
Embrace Home Loans	0.06%	(3.0)	0.13%
Movement Mortgage	0.06%	(3.0)	0.65%
Municipal Credit Union	0.06%	(3.0)	0.39%
Carrington Mortgage Services	0.07%	(3.0)	0.53%
TBI Mortgage Company	0.07%	(3.0)	0.26%
GuardHill Financial Corp	0.07%	(3.0)	0.17%
Meadowbrook Financial Mortgage Bankers	0.08%	(3.0)	0.22%
Jet Direct Funding Corp	0.08%	(3.0)	0.16%
The Federal Savings Bank	0.08%	(3.0)	0.75%
Greenway Mortgage	0.08%	(3.0)	0.39%
Reliance First Capital	0.09%	(3.0)	0.26%
HomeBridge Financial Services	0.09%	(3.0)	2.21%
Flagstar Bank	0.09%	(3.0)	0.61%
East Coast Capital Corporation	0.09%	(3.0)	0.20%
Plaza Home Mortgage	0.10%	(3.0)	0.98%
Cardinal Financial Company	0.10%	(3.0)	0.28%
United Northern Mortgage Bankers	0.11%	(3.0)	1.04%
Intercontinental Capital Group	0.11%	(3.0)	0.22%
USAA	0.11%	(3.0)	0.61%
PrimeLending	0.12%	(3.0)	2.27%
Family First Funding	0.13%	(3.0)	0.59%
Total Mortgage Services	0.13%	(3.0)	0.25%
Nationwide Mortgage Bankers	0.13%	(3.0)	0.47%
Mr. Cooper	0.14%	(3.0)	1.73%
United Mortgage Corp	0.19%	(2.5)	0.63%
Sierra Pacific Mortgage	0.19%	(2.5)	0.58%
Quicken Loans	0.19%	(2.5)	12.43%
RealFi	0.20%	(2.5)	1.08%
FM Home Loans	0.21%	(2.5)	1.63%
Ark Mortgage	0.23%	(2.5)	1.09%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.29%	(5.0)	4.51%
Citibank	-0.23%	(4.5)	2.83%
HSBC Bank USA	-0.20%	(4.5)	0.63%
Hudson Valley Credit Union	-0.19%	(4.5)	3.60%
Mid-Hudson Valley Federal Credit Union	-0.18%	(4.5)	1.05%
TD Bank	-0.17%	(4.5)	1.49%
Trustco Bank	-0.15%	(4.0)	0.93%
TEG Federal Credit Union	-0.14%	(4.0)	0.70%
Homestead Funding Corp	-0.12%	(4.0)	4.20%
Bethpage Federal Credit Union	-0.11%	(4.0)	0.25%
First Republic Bank	-0.10%	(4.0)	0.14%
Ulster Savings Bank	-0.10%	(4.0)	2.83%
William Raveis Mortgage	-0.10%	(4.0)	0.29%
JPMorgan Chase Bank	-0.09%	(4.0)	9.85%
Valley Bank	-0.07%	(4.0)	1.30%
Wells Fargo Bank	-0.05%	(4.0)	9.37%
Homeowners Advantage	-0.04%	(3.5)	0.16%
Thoroughbred Mortgage	-0.04%	(3.5)	0.91%
People’s United Bank	-0.03%	(3.5)	0.14%
North American Savings Bank	-0.03%	(3.5)	0.15%
Home Point Financial Corporation	-0.03%	(3.5)	0.86%
US Bank	-0.03%	(3.5)	0.37%
KeyBank	-0.02%	(3.5)	1.35%
Mr. Cooper	-0.01%	(3.5)	0.87%
Webster Bank	-0.01%	(3.5)	0.37%
PNC Bank	-0.01%	(3.5)	0.17%
Morgan Stanley Private Bank	0.00%	(3.5)	0.16%
Ally Bank	0.01%	(3.5)	0.18%
Freedom Mortgage Corporation	0.01%	(3.5)	2.04%
NBKC Bank	0.02%	(3.5)	0.25%
United Nations Federal Credit Union	0.02%	(3.5)	0.15%
CMG Financial	0.02%	(3.5)	0.23%
Reliance First Capital	0.03%	(3.5)	0.02%
Navy Federal Credit Union	0.04%	(3.5)	0.76%
Embrace Home Loans	0.04%	(3.5)	0.05%
NJ Lenders Corp	0.04%	(3.5)	0.42%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	0.53%
loanDepot	0.05%	(3.5)	6.82%
NewRez	0.05%	(3.5)	1.62%
Arc Home	0.05%	(3.0)	0.17%
TIAA Bank	0.05%	(3.0)	0.38%
M&T Bank	0.06%	(3.0)	1.40%
Residential Mortgage Services	0.06%	(3.0)	0.16%
Caliber Home Loans	0.06%	(3.0)	1.27%
Weichert Financial Services	0.06%	(3.0)	0.47%
Contour Mortgage Corporation	0.07%	(3.0)	0.33%
Santander Bank	0.07%	(3.0)	0.50%
Movement Mortgage	0.07%	(3.0)	0.88%
Guaranteed Rate	0.07%	(3.0)	2.75%
Mid-Island Mortgage Corp	0.07%	(3.0)	0.24%
Luxury Mortgage Corp	0.07%	(3.0)	1.00%
GuardHill Financial Corp	0.08%	(3.0)	0.17%
TBI Mortgage Company	0.08%	(3.0)	0.40%
Municipal Credit Union	0.08%	(3.0)	0.49%
HomeBridge Financial Services	0.09%	(3.0)	2.85%
Jet Direct Funding Corp	0.09%	(3.0)	0.19%
Meadowbrook Financial Mortgage Bankers	0.10%	(3.0)	0.20%
Greenway Mortgage	0.10%	(3.0)	0.48%
Flagstar Bank	0.11%	(3.0)	0.74%
East Coast Capital Corporation	0.11%	(3.0)	0.24%
Total Mortgage Services	0.12%	(3.0)	0.27%
Plaza Home Mortgage	0.12%	(3.0)	1.23%
United Northern Mortgage Bankers	0.13%	(3.0)	1.41%
The Federal Savings Bank	0.13%	(3.0)	0.68%
Cardinal Financial Company	0.13%	(3.0)	0.30%
PrimeLending	0.14%	(3.0)	3.07%
USAA	0.14%	(3.0)	0.72%
Intercontinental Capital Group	0.15%	(2.5)	0.20%
Nationwide Mortgage Bankers	0.16%	(2.5)	0.53%
Family First Funding	0.16%	(2.5)	0.76%
Carrington Mortgage Services	0.20%	(2.5)	0.29%
Sierra Pacific Mortgage	0.20%	(2.5)	0.53%
FM Home Loans	0.23%	(2.5)	1.65%
Quicken Loans	0.23%	(2.5)	7.49%
RealFi	0.23%	(2.5)	1.44%
United Mortgage Corp	0.27%	(2.0)	0.62%
Ark Mortgage	0.31%	(2.0)	0.90%

Lender Name	Rate Difference	Rate Rating	Market Share
Trustco Bank	-0.29%	(5.0)	1.28%
HSBC Bank USA	-0.24%	(4.5)	0.53%
Citibank	-0.20%	(4.5)	2.78%
Hudson Valley Credit Union	-0.19%	(4.5)	5.14%
Bank of America	-0.17%	(4.5)	2.13%
Ulster Savings Bank	-0.16%	(4.5)	2.16%
Bethpage Federal Credit Union	-0.15%	(4.5)	0.24%
loanDepot	-0.15%	(4.0)	6.78%
M&T Bank	-0.12%	(4.0)	1.57%
Guaranteed Rate	-0.11%	(4.0)	1.27%
TEG Federal Credit Union	-0.10%	(4.0)	0.56%
Valley Bank	-0.10%	(4.0)	0.50%
Homeowners Advantage	-0.10%	(4.0)	0.11%
KeyBank	-0.09%	(4.0)	4.34%
TD Bank	-0.08%	(4.0)	2.15%
North American Savings Bank	-0.06%	(4.0)	0.20%
First Republic Bank	-0.06%	(4.0)	0.15%
Thoroughbred Mortgage	-0.06%	(4.0)	0.23%
Homestead Funding Corp	-0.05%	(4.0)	0.99%
Fairway Independent Mortgage Corporation	-0.05%	(4.0)	0.37%
Luxury Mortgage Corp	-0.05%	(4.0)	0.56%
Santander Bank	-0.04%	(3.5)	0.34%
Home Point Financial Corporation	-0.04%	(3.5)	0.39%
William Raveis Mortgage	-0.04%	(3.5)	0.10%
PNC Bank	-0.03%	(3.5)	0.26%
United Nations Federal Credit Union	-0.03%	(3.5)	0.10%
CMG Financial	-0.03%	(3.5)	0.29%
Weichert Financial Services	-0.03%	(3.5)	0.19%
Residential Mortgage Services	-0.02%	(3.5)	0.08%
Freedom Mortgage Corporation	-0.02%	(3.5)	1.06%
United Northern Mortgage Bankers	-0.02%	(3.5)	0.38%
JPMorgan Chase Bank	-0.02%	(3.5)	9.93%
Navy Federal Credit Union	-0.01%	(3.5)	0.15%
NewRez	-0.01%	(3.5)	2.00%
US Bank	-0.01%	(3.5)	0.20%
Greenway Mortgage	-0.01%	(3.5)	0.23%
Morgan Stanley Private Bank	-0.01%	(3.5)	0.27%
Caliber Home Loans	-0.01%	(3.5)	0.94%
Family First Funding	-0.01%	(3.5)	0.29%
Wells Fargo Bank	-0.01%	(3.5)	7.16%
Carrington Mortgage Services	-0.00%	(3.5)	0.97%
Municipal Credit Union	-0.00%	(3.5)	0.20%
Plaza Home Mortgage	-0.00%	(3.5)	0.52%
TIAA Bank	-0.00%	(3.5)	0.25%
The Federal Savings Bank	0.00%	(3.5)	0.88%
NBKC Bank	0.00%	(3.5)	0.33%
NJ Lenders Corp	0.00%	(3.5)	0.27%
Movement Mortgage	0.00%	(3.5)	0.24%
People’s United Bank	0.01%	(3.5)	0.15%
Webster Bank	0.01%	(3.5)	0.34%
Mid-Hudson Valley Federal Credit Union	0.01%	(3.5)	2.14%
Contour Mortgage Corporation	0.01%	(3.5)	0.08%
Arc Home	0.01%	(3.5)	0.15%
RealFi	0.01%	(3.5)	0.43%
Mid-Island Mortgage Corp	0.01%	(3.5)	0.14%
Ally Bank	0.01%	(3.5)	0.05%
USAA	0.02%	(3.5)	0.42%
Flagstar Bank	0.03%	(3.5)	0.39%
East Coast Capital Corporation	0.03%	(3.5)	0.12%
Jet Direct Funding Corp	0.03%	(3.5)	0.10%
Meadowbrook Financial Mortgage Bankers	0.04%	(3.5)	0.26%
Cardinal Financial Company	0.04%	(3.5)	0.25%
United Mortgage Corp	0.05%	(3.5)	0.64%
Intercontinental Capital Group	0.05%	(3.5)	0.26%
PrimeLending	0.05%	(3.0)	0.83%
Embrace Home Loans	0.06%	(3.0)	0.29%
GuardHill Financial Corp	0.07%	(3.0)	0.17%
Nationwide Mortgage Bankers	0.08%	(3.0)	0.36%
Reliance First Capital	0.08%	(3.0)	0.70%
HomeBridge Financial Services	0.11%	(3.0)	1.05%
Ark Mortgage	0.14%	(3.0)	1.44%
Total Mortgage Services	0.16%	(2.5)	0.21%
Quicken Loans	0.16%	(2.5)	21.43%
Sierra Pacific Mortgage	0.18%	(2.5)	0.67%
FM Home Loans	0.18%	(2.5)	1.58%
Mr. Cooper	0.21%	(2.5)	3.29%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.31%	(5.0)	3.67%
Citibank	-0.24%	(4.5)	2.62%
HSBC Bank USA	-0.23%	(4.5)	0.68%
Trustco Bank	-0.21%	(4.5)	1.31%
Hudson Valley Credit Union	-0.19%	(4.5)	4.95%
TD Bank	-0.14%	(4.0)	1.94%
Homestead Funding Corp	-0.14%	(4.0)	3.01%
Bethpage Federal Credit Union	-0.13%	(4.0)	0.28%
Ulster Savings Bank	-0.13%	(4.0)	2.95%
TEG Federal Credit Union	-0.13%	(4.0)	0.80%
First Republic Bank	-0.12%	(4.0)	0.14%
William Raveis Mortgage	-0.10%	(4.0)	0.26%
Mid-Hudson Valley Federal Credit Union	-0.08%	(4.0)	1.77%
JPMorgan Chase Bank	-0.07%	(4.0)	11.30%
Valley Bank	-0.07%	(4.0)	1.05%
KeyBank	-0.06%	(4.0)	2.86%
North American Savings Bank	-0.05%	(4.0)	0.10%
Thoroughbred Mortgage	-0.04%	(3.5)	0.74%
US Bank	-0.04%	(3.5)	0.30%
Homeowners Advantage	-0.04%	(3.5)	0.10%
Wells Fargo Bank	-0.04%	(3.5)	8.90%
Webster Bank	-0.02%	(3.5)	0.35%
People’s United Bank	-0.02%	(3.5)	0.17%
PNC Bank	-0.02%	(3.5)	0.22%
loanDepot	-0.01%	(3.5)	6.64%
Morgan Stanley Private Bank	-0.01%	(3.5)	0.18%
Carrington Mortgage Services	-0.00%	(3.5)	0.14%
M&T Bank	-0.00%	(3.5)	1.55%
Home Point Financial Corporation	-0.00%	(3.5)	0.58%
Ally Bank	-0.00%	(3.5)	0.15%
United Nations Federal Credit Union	0.01%	(3.5)	0.15%
CMG Financial	0.01%	(3.5)	0.27%
NBKC Bank	0.02%	(3.5)	0.27%
Guaranteed Rate	0.03%	(3.5)	2.23%
NJ Lenders Corp	0.03%	(3.5)	0.36%
Santander Bank	0.03%	(3.5)	0.50%
Arc Home	0.04%	(3.5)	0.16%
Residential Mortgage Services	0.04%	(3.5)	0.15%
TIAA Bank	0.04%	(3.5)	0.34%
Weichert Financial Services	0.05%	(3.5)	0.43%
Luxury Mortgage Corp	0.05%	(3.0)	0.93%
Fairway Independent Mortgage Corporation	0.05%	(3.0)	0.35%
Mid-Island Mortgage Corp	0.06%	(3.0)	0.18%
Municipal Credit Union	0.06%	(3.0)	0.48%
Caliber Home Loans	0.07%	(3.0)	0.95%
Movement Mortgage	0.07%	(3.0)	0.66%
Contour Mortgage Corporation	0.08%	(3.0)	0.17%
TBI Mortgage Company	0.08%	(3.0)	0.30%
GuardHill Financial Corp	0.08%	(3.0)	0.19%
Jet Direct Funding Corp	0.08%	(3.0)	0.09%
The Federal Savings Bank	0.08%	(3.0)	0.71%
Embrace Home Loans	0.09%	(3.0)	0.06%
NewRez	0.09%	(3.0)	1.56%
Greenway Mortgage	0.10%	(3.0)	0.40%
Meadowbrook Financial Mortgage Bankers	0.10%	(3.0)	0.17%
Intercontinental Capital Group	0.10%	(3.0)	0.12%
Family First Funding	0.11%	(3.0)	0.44%
Freedom Mortgage Corporation	0.11%	(3.0)	1.22%
Flagstar Bank	0.12%	(3.0)	0.44%
Cardinal Financial Company	0.13%	(3.0)	0.22%
East Coast Capital Corporation	0.13%	(3.0)	0.14%
United Northern Mortgage Bankers	0.13%	(3.0)	0.96%
USAA	0.13%	(3.0)	0.29%
HomeBridge Financial Services	0.13%	(3.0)	1.55%
Reliance First Capital	0.14%	(3.0)	0.19%
PrimeLending	0.14%	(3.0)	1.94%
Nationwide Mortgage Bankers	0.15%	(3.0)	0.38%
Total Mortgage Services	0.15%	(2.5)	0.23%
RealFi	0.18%	(2.5)	0.82%
Plaza Home Mortgage	0.18%	(2.5)	0.71%
Sierra Pacific Mortgage	0.21%	(2.5)	0.66%
Quicken Loans	0.22%	(2.5)	12.87%
FM Home Loans	0.23%	(2.5)	1.83%
Ark Mortgage	0.24%	(2.5)	1.33%
Mr. Cooper	0.25%	(2.5)	1.17%
United Mortgage Corp	0.26%	(2.0)	0.46%
Navy Federal Credit Union	0.30%	(2.0)	0.28%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.34%	(5.0)	4.62%
Citibank	-0.25%	(5.0)	2.60%
HSBC Bank USA	-0.22%	(4.5)	0.73%
TD Bank	-0.20%	(4.5)	1.70%
Hudson Valley Credit Union	-0.19%	(4.5)	4.36%
Mid-Hudson Valley Federal Credit Union	-0.18%	(4.5)	1.34%
Homestead Funding Corp	-0.15%	(4.5)	4.16%
Trustco Bank	-0.15%	(4.0)	1.19%
TEG Federal Credit Union	-0.14%	(4.0)	0.89%
First Republic Bank	-0.13%	(4.0)	0.15%
Bethpage Federal Credit Union	-0.12%	(4.0)	0.28%
Ulster Savings Bank	-0.11%	(4.0)	3.26%
William Raveis Mortgage	-0.11%	(4.0)	0.35%
JPMorgan Chase Bank	-0.11%	(4.0)	11.47%
Valley Bank	-0.06%	(4.0)	1.34%
Wells Fargo Bank	-0.06%	(4.0)	9.89%
US Bank	-0.05%	(3.5)	0.37%
Webster Bank	-0.05%	(3.5)	0.33%
Thoroughbred Mortgage	-0.04%	(3.5)	1.05%
People’s United Bank	-0.03%	(3.5)	0.18%
KeyBank	-0.02%	(3.5)	1.58%
North American Savings Bank	-0.01%	(3.5)	0.06%
Morgan Stanley Private Bank	-0.01%	(3.5)	0.13%
PNC Bank	-0.01%	(3.5)	0.18%
Ally Bank	-0.00%	(3.5)	0.20%
Homeowners Advantage	0.01%	(3.5)	0.08%
Carrington Mortgage Services	0.01%	(3.5)	0.02%
Home Point Financial Corporation	0.01%	(3.5)	0.70%
United Nations Federal Credit Union	0.02%	(3.5)	0.18%
CMG Financial	0.02%	(3.5)	0.27%
NBKC Bank	0.02%	(3.5)	0.22%
Reliance First Capital	0.03%	(3.5)	0.02%
Embrace Home Loans	0.04%	(3.5)	0.03%
NJ Lenders Corp	0.05%	(3.5)	0.40%
Fairway Independent Mortgage Corporation	0.05%	(3.0)	0.51%
Arc Home	0.06%	(3.0)	0.18%
TIAA Bank	0.06%	(3.0)	0.41%
Residential Mortgage Services	0.06%	(3.0)	0.19%
Weichert Financial Services	0.07%	(3.0)	0.55%
Santander Bank	0.07%	(3.0)	0.56%
Guaranteed Rate	0.07%	(3.0)	2.81%
loanDepot	0.08%	(3.0)	6.63%
M&T Bank	0.08%	(3.0)	1.50%
GuardHill Financial Corp	0.08%	(3.0)	0.19%
TBI Mortgage Company	0.08%	(3.0)	0.48%
Municipal Credit Union	0.08%	(3.0)	0.62%
Mid-Island Mortgage Corp	0.08%	(3.0)	0.21%
Movement Mortgage	0.09%	(3.0)	0.90%
Contour Mortgage Corporation	0.09%	(3.0)	0.24%
Luxury Mortgage Corp	0.09%	(3.0)	1.10%
Mr. Cooper	0.09%	(3.0)	0.27%
Jet Direct Funding Corp	0.10%	(3.0)	0.11%
Caliber Home Loans	0.10%	(3.0)	1.05%
HomeBridge Financial Services	0.12%	(3.0)	2.00%
Greenway Mortgage	0.13%	(3.0)	0.51%
Meadowbrook Financial Mortgage Bankers	0.13%	(3.0)	0.17%
Intercontinental Capital Group	0.14%	(3.0)	0.09%
Total Mortgage Services	0.14%	(3.0)	0.23%
Cardinal Financial Company	0.15%	(3.0)	0.26%
Family First Funding	0.15%	(3.0)	0.51%
NewRez	0.15%	(2.5)	1.46%
Flagstar Bank	0.15%	(2.5)	0.52%
East Coast Capital Corporation	0.15%	(2.5)	0.18%
USAA	0.15%	(2.5)	0.35%
United Northern Mortgage Bankers	0.15%	(2.5)	1.34%
The Federal Savings Bank	0.16%	(2.5)	0.68%
PrimeLending	0.16%	(2.5)	2.61%
Freedom Mortgage Corporation	0.16%	(2.5)	1.45%
Nationwide Mortgage Bankers	0.18%	(2.5)	0.41%
RealFi	0.21%	(2.5)	1.10%
Sierra Pacific Mortgage	0.22%	(2.5)	0.60%
Plaza Home Mortgage	0.24%	(2.5)	0.85%
FM Home Loans	0.25%	(2.0)	1.83%
Quicken Loans	0.26%	(2.0)	7.97%
Navy Federal Credit Union	0.32%	(2.0)	0.41%
Ark Mortgage	0.32%	(2.0)	1.11%
United Mortgage Corp	0.35%	(2.0)	0.49%

Lender Name	Rate Difference	Rate Rating	Market Share
Trustco Bank	-0.29%	(5.0)	1.51%
HSBC Bank USA	-0.24%	(4.5)	0.60%
Citibank	-0.22%	(4.5)	2.65%
Bank of America	-0.19%	(4.5)	2.07%
Hudson Valley Credit Union	-0.19%	(4.5)	5.96%
loanDepot	-0.17%	(4.5)	6.66%
Ulster Savings Bank	-0.16%	(4.5)	2.43%
Bethpage Federal Credit Union	-0.16%	(4.5)	0.27%
M&T Bank	-0.13%	(4.0)	1.63%
Guaranteed Rate	-0.13%	(4.0)	1.27%
Valley Bank	-0.10%	(4.0)	0.56%
TEG Federal Credit Union	-0.10%	(4.0)	0.66%
Homeowners Advantage	-0.09%	(4.0)	0.13%
KeyBank	-0.09%	(4.0)	5.01%
First Republic Bank	-0.09%	(4.0)	0.11%
North American Savings Bank	-0.08%	(4.0)	0.17%
TD Bank	-0.08%	(4.0)	2.33%
Thoroughbred Mortgage	-0.06%	(4.0)	0.24%
Homestead Funding Corp	-0.06%	(4.0)	1.07%
Luxury Mortgage Corp	-0.05%	(4.0)	0.64%
Home Point Financial Corporation	-0.04%	(3.5)	0.38%
Santander Bank	-0.04%	(3.5)	0.39%
United Nations Federal Credit Union	-0.04%	(3.5)	0.08%
Freedom Mortgage Corporation	-0.04%	(3.5)	0.84%
William Raveis Mortgage	-0.03%	(3.5)	0.11%
PNC Bank	-0.03%	(3.5)	0.29%
The Federal Savings Bank	-0.03%	(3.5)	0.75%
Residential Mortgage Services	-0.03%	(3.5)	0.08%
Weichert Financial Services	-0.03%	(3.5)	0.22%
CMG Financial	-0.02%	(3.5)	0.28%
US Bank	-0.02%	(3.5)	0.17%
JPMorgan Chase Bank	-0.02%	(3.5)	11.02%
United Northern Mortgage Bankers	-0.01%	(3.5)	0.32%
Morgan Stanley Private Bank	-0.01%	(3.5)	0.25%
Carrington Mortgage Services	-0.01%	(3.5)	0.35%
Greenway Mortgage	-0.01%	(3.5)	0.22%
Mid-Island Mortgage Corp	-0.01%	(3.5)	0.13%
Family First Funding	-0.00%	(3.5)	0.31%
Municipal Credit Union	-0.00%	(3.5)	0.24%
TIAA Bank	0.00%	(3.5)	0.24%
Wells Fargo Bank	0.00%	(3.5)	7.23%
Arc Home	0.00%	(3.5)	0.13%
Caliber Home Loans	0.00%	(3.5)	0.77%
NJ Lenders Corp	0.00%	(3.5)	0.31%
Contour Mortgage Corporation	0.00%	(3.5)	0.04%
NBKC Bank	0.00%	(3.5)	0.35%
Movement Mortgage	0.00%	(3.5)	0.25%
NewRez	0.01%	(3.5)	1.72%
People’s United Bank	0.01%	(3.5)	0.14%
Webster Bank	0.01%	(3.5)	0.39%
Mid-Hudson Valley Federal Credit Union	0.01%	(3.5)	2.51%
Plaza Home Mortgage	0.01%	(3.5)	0.46%
RealFi	0.01%	(3.5)	0.35%
Ally Bank	0.02%	(3.5)	0.06%
East Coast Capital Corporation	0.02%	(3.5)	0.07%
Jet Direct Funding Corp	0.04%	(3.5)	0.07%
Flagstar Bank	0.05%	(3.5)	0.31%
Meadowbrook Financial Mortgage Bankers	0.05%	(3.5)	0.17%
PrimeLending	0.06%	(3.0)	0.82%
Navy Federal Credit Union	0.07%	(3.0)	0.06%
Intercontinental Capital Group	0.07%	(3.0)	0.18%
USAA	0.07%	(3.0)	0.20%
GuardHill Financial Corp	0.08%	(3.0)	0.18%
Fairway Independent Mortgage Corporation	0.08%	(3.0)	0.08%
Cardinal Financial Company	0.08%	(3.0)	0.17%
United Mortgage Corp	0.08%	(3.0)	0.40%
Nationwide Mortgage Bankers	0.10%	(3.0)	0.33%
Embrace Home Loans	0.11%	(3.0)	0.11%
Reliance First Capital	0.14%	(3.0)	0.49%
Ark Mortgage	0.14%	(3.0)	1.69%
Total Mortgage Services	0.17%	(2.5)	0.24%
FM Home Loans	0.18%	(2.5)	1.81%
Quicken Loans	0.18%	(2.5)	21.11%
Sierra Pacific Mortgage	0.18%	(2.5)	0.75%
HomeBridge Financial Services	0.19%	(2.5)	0.78%
Mr. Cooper	0.27%	(2.0)	2.66%

Lender Name	Rate Difference	Rate Rating	Market Share
NewRez	-0.20%	(4.5)	3.55%
Freedom Mortgage Corporation	-0.17%	(4.5)	5.16%
Home Point Financial Corporation	-0.13%	(4.0)	1.47%
Valley Bank	-0.12%	(4.0)	1.11%
Bank of America	-0.11%	(4.0)	0.54%
Hudson Valley Credit Union	-0.09%	(4.0)	1.00%
Homeowners Advantage	-0.09%	(4.0)	0.50%
loanDepot	-0.08%	(4.0)	9.68%
Ulster Savings Bank	-0.08%	(4.0)	1.04%
Fairway Independent Mortgage Corporation	-0.06%	(4.0)	1.40%
Thoroughbred Mortgage	-0.06%	(4.0)	0.43%
M&T Bank	-0.06%	(4.0)	1.33%
Homestead Funding Corp	-0.05%	(4.0)	4.20%
Plaza Home Mortgage	-0.05%	(3.5)	2.73%
North American Savings Bank	-0.04%	(3.5)	0.18%
Greenway Mortgage	-0.04%	(3.5)	0.43%
Caliber Home Loans	-0.03%	(3.5)	2.44%
TD Bank	-0.03%	(3.5)	0.22%
Navy Federal Credit Union	-0.03%	(3.5)	0.29%
KeyBank	-0.03%	(3.5)	0.22%
Luxury Mortgage Corp	-0.02%	(3.5)	0.75%
NBKC Bank	-0.02%	(3.5)	0.22%
TBI Mortgage Company	-0.02%	(3.5)	0.07%
Sierra Pacific Mortgage	-0.01%	(3.5)	0.39%
Bethpage Federal Credit Union	-0.01%	(3.5)	0.18%
Residential Mortgage Services	-0.01%	(3.5)	0.04%
William Raveis Mortgage	-0.01%	(3.5)	0.11%
Reliance First Capital	-0.00%	(3.5)	0.75%
Mr. Cooper	-0.00%	(3.5)	5.92%
CMG Financial	-0.00%	(3.5)	0.11%
TIAA Bank	-0.00%	(3.5)	0.36%
Movement Mortgage	0.00%	(3.5)	0.90%
Arc Home	0.00%	(3.5)	0.11%
NJ Lenders Corp	0.00%	(3.5)	0.61%
Santander Bank	0.01%	(3.5)	0.04%
Citibank	0.01%	(3.5)	0.04%
US Bank	0.01%	(3.5)	0.04%
HomeBridge Financial Services	0.02%	(3.5)	7.21%
JPMorgan Chase Bank	0.02%	(3.5)	0.14%
Ark Mortgage	0.02%	(3.5)	0.14%
The Federal Savings Bank	0.02%	(3.5)	0.75%
United Northern Mortgage Bankers	0.03%	(3.5)	2.22%
Contour Mortgage Corporation	0.03%	(3.5)	0.68%
GuardHill Financial Corp	0.03%	(3.5)	0.04%
Weichert Financial Services	0.03%	(3.5)	0.14%
Flagstar Bank	0.03%	(3.5)	1.69%
Meadowbrook Financial Mortgage Bankers	0.03%	(3.5)	0.61%
FM Home Loans	0.03%	(3.5)	1.04%
East Coast Capital Corporation	0.04%	(3.5)	0.68%
Total Mortgage Services	0.05%	(3.5)	0.47%
Mid-Island Mortgage Corp	0.05%	(3.5)	0.50%
Wells Fargo Bank	0.05%	(3.5)	0.14%
Embrace Home Loans	0.05%	(3.0)	0.50%
Guaranteed Rate	0.06%	(3.0)	2.76%
Jet Direct Funding Corp	0.06%	(3.0)	0.68%
Quicken Loans	0.07%	(3.0)	13.38%
Cardinal Financial Company	0.07%	(3.0)	0.68%
PrimeLending	0.07%	(3.0)	4.77%
United Mortgage Corp	0.08%	(3.0)	2.04%
Carrington Mortgage Services	0.09%	(3.0)	2.98%
Nationwide Mortgage Bankers	0.10%	(3.0)	1.26%
Intercontinental Capital Group	0.11%	(3.0)	0.93%
Family First Funding	0.16%	(2.5)	1.83%
RealFi	0.26%	(2.0)	3.19%

Lender Name	Rate Difference	Rate Rating	Market Share
NewRez	-0.25%	(5.0)	2.97%
Freedom Mortgage Corporation	-0.20%	(4.5)	6.04%
Home Point Financial Corporation	-0.14%	(4.0)	1.77%
Valley Bank	-0.12%	(4.0)	1.44%
Bank of America	-0.11%	(4.0)	0.72%
Hudson Valley Credit Union	-0.10%	(4.0)	1.20%
loanDepot	-0.08%	(4.0)	10.54%
Homeowners Advantage	-0.08%	(4.0)	0.67%
Ulster Savings Bank	-0.07%	(4.0)	1.29%
Thoroughbred Mortgage	-0.06%	(4.0)	0.53%
M&T Bank	-0.06%	(4.0)	1.34%
Mr. Cooper	-0.06%	(4.0)	4.17%
Homestead Funding Corp	-0.05%	(3.5)	5.51%
Plaza Home Mortgage	-0.04%	(3.5)	3.31%
Greenway Mortgage	-0.04%	(3.5)	0.43%
North American Savings Bank	-0.04%	(3.5)	0.19%
NBKC Bank	-0.03%	(3.5)	0.19%
TD Bank	-0.02%	(3.5)	0.29%
KeyBank	-0.02%	(3.5)	0.24%
Navy Federal Credit Union	-0.02%	(3.5)	0.38%
Luxury Mortgage Corp	-0.02%	(3.5)	0.96%
Caliber Home Loans	-0.02%	(3.5)	2.49%
Fairway Independent Mortgage Corporation	-0.01%	(3.5)	0.77%
TBI Mortgage Company	-0.01%	(3.5)	0.10%
Bethpage Federal Credit Union	-0.01%	(3.5)	0.19%
Sierra Pacific Mortgage	-0.01%	(3.5)	0.43%
Residential Mortgage Services	-0.00%	(3.5)	0.05%
William Raveis Mortgage	0.00%	(3.5)	0.14%
CMG Financial	0.00%	(3.5)	0.14%
Arc Home	0.01%	(3.5)	0.10%
Movement Mortgage	0.01%	(3.5)	1.15%
NJ Lenders Corp	0.01%	(3.5)	0.77%
TIAA Bank	0.01%	(3.5)	0.29%
Santander Bank	0.01%	(3.5)	0.05%
Citibank	0.01%	(3.5)	0.05%
US Bank	0.02%	(3.5)	0.05%
Reliance First Capital	0.02%	(3.5)	0.05%
Embrace Home Loans	0.02%	(3.5)	0.19%
HomeBridge Financial Services	0.03%	(3.5)	8.34%
Ark Mortgage	0.03%	(3.5)	0.19%
JPMorgan Chase Bank	0.03%	(3.5)	0.14%
The Federal Savings Bank	0.03%	(3.5)	1.01%
GuardHill Financial Corp	0.03%	(3.5)	0.05%
Weichert Financial Services	0.03%	(3.5)	0.19%
Contour Mortgage Corporation	0.04%	(3.5)	0.81%
United Northern Mortgage Bankers	0.04%	(3.5)	2.59%
FM Home Loans	0.04%	(3.5)	1.39%
Meadowbrook Financial Mortgage Bankers	0.04%	(3.5)	0.38%
East Coast Capital Corporation	0.04%	(3.5)	0.72%
Flagstar Bank	0.04%	(3.5)	1.92%
Mid-Island Mortgage Corp	0.05%	(3.5)	0.53%
Total Mortgage Services	0.05%	(3.0)	0.57%
Wells Fargo Bank	0.06%	(3.0)	0.14%
Guaranteed Rate	0.07%	(3.0)	3.16%
PrimeLending	0.08%	(3.0)	5.99%
Jet Direct Funding Corp	0.08%	(3.0)	0.77%
Quicken Loans	0.08%	(3.0)	7.24%
Cardinal Financial Company	0.11%	(3.0)	0.62%
Nationwide Mortgage Bankers	0.12%	(3.0)	1.44%
United Mortgage Corp	0.13%	(3.0)	1.68%
Intercontinental Capital Group	0.16%	(2.5)	0.81%
Family First Funding	0.17%	(2.5)	2.35%
Carrington Mortgage Services	0.21%	(2.5)	1.87%
RealFi	0.28%	(2.0)	3.93%

Lender Name	Rate Difference	Rate Rating	Market Share
Fairway Independent Mortgage Corporation	-0.11%	(4.0)	3.28%
NewRez	-0.10%	(4.0)	5.28%
Caliber Home Loans	-0.07%	(4.0)	2.28%
Plaza Home Mortgage	-0.07%	(4.0)	1.00%
loanDepot	-0.05%	(4.0)	7.13%
Home Point Financial Corporation	-0.05%	(4.0)	0.57%
Ulster Savings Bank	-0.05%	(4.0)	0.29%
United Northern Mortgage Bankers	-0.05%	(3.5)	1.14%
M&T Bank	-0.04%	(3.5)	1.28%
Family First Funding	-0.04%	(3.5)	0.29%
Hudson Valley Credit Union	-0.03%	(3.5)	0.43%
Greenway Mortgage	-0.03%	(3.5)	0.43%
Flagstar Bank	-0.03%	(3.5)	1.00%
HomeBridge Financial Services	-0.03%	(3.5)	3.85%
NBKC Bank	-0.03%	(3.5)	0.29%
Carrington Mortgage Services	-0.03%	(3.5)	6.28%
Cardinal Financial Company	-0.02%	(3.5)	0.86%
TIAA Bank	-0.02%	(3.5)	0.57%
KeyBank	-0.02%	(3.5)	0.14%
North American Savings Bank	-0.02%	(3.5)	0.14%
Contour Mortgage Corporation	-0.02%	(3.5)	0.29%
Reliance First Capital	-0.02%	(3.5)	2.85%
Sierra Pacific Mortgage	-0.02%	(3.5)	0.29%
Bethpage Federal Credit Union	-0.02%	(3.5)	0.14%
Movement Mortgage	-0.02%	(3.5)	0.14%
Thoroughbred Mortgage	-0.02%	(3.5)	0.14%
Valley Bank	-0.02%	(3.5)	0.14%
United Mortgage Corp	-0.02%	(3.5)	3.14%
NJ Lenders Corp	-0.01%	(3.5)	0.14%
Arc Home	-0.01%	(3.5)	0.14%
Guaranteed Rate	-0.01%	(3.5)	1.57%
Homestead Funding Corp	-0.01%	(3.5)	0.29%
JPMorgan Chase Bank	-0.00%	(3.5)	0.14%
Luxury Mortgage Corp	0.00%	(3.5)	0.14%
RealFi	0.00%	(3.5)	1.00%
Intercontinental Capital Group	0.00%	(3.5)	1.28%
Freedom Mortgage Corporation	0.01%	(3.5)	2.57%
Jet Direct Funding Corp	0.01%	(3.5)	0.43%
Nationwide Mortgage Bankers	0.01%	(3.5)	0.71%
Wells Fargo Bank	0.01%	(3.5)	0.14%
Meadowbrook Financial Mortgage Bankers	0.01%	(3.5)	1.28%
PrimeLending	0.01%	(3.5)	1.14%
Total Mortgage Services	0.01%	(3.5)	0.14%
East Coast Capital Corporation	0.04%	(3.5)	0.57%
Quicken Loans	0.04%	(3.5)	31.67%
Embrace Home Loans	0.05%	(3.5)	1.43%
Mid-Island Mortgage Corp	0.05%	(3.0)	0.43%
Mr. Cooper	0.05%	(3.0)	11.13%

Lender Name	Rate Difference	Rate Rating	Market Share
Citibank	-0.13%	(4.0)	16.24%
Bank of America	-0.08%	(4.0)	14.84%
Wells Fargo Bank	-0.01%	(3.5)	30.58%
HSBC Bank USA	0.02%	(3.5)	1.10%
KeyBank	0.03%	(3.5)	1.20%
First Republic Bank	0.03%	(3.5)	0.90%
TD Bank	0.04%	(3.5)	3.09%
PNC Bank	0.05%	(3.5)	0.50%
People’s United Bank	0.05%	(3.5)	0.30%
United Nations Federal Credit Union	0.05%	(3.5)	0.30%
Valley Bank	0.05%	(3.0)	0.50%
Mid-Island Mortgage Corp	0.05%	(3.0)	0.10%
Morgan Stanley Private Bank	0.05%	(3.0)	1.29%
Weichert Financial Services	0.05%	(3.0)	0.10%
Home Point Financial Corporation	0.06%	(3.0)	0.10%
M&T Bank	0.06%	(3.0)	1.00%
Flagstar Bank	0.06%	(3.0)	0.10%
Total Mortgage Services	0.06%	(3.0)	0.10%
GuardHill Financial Corp	0.06%	(3.0)	0.30%
TBI Mortgage Company	0.06%	(3.0)	0.10%
Greenway Mortgage	0.07%	(3.0)	0.10%
Movement Mortgage	0.07%	(3.0)	0.10%
Ally Bank	0.07%	(3.0)	0.40%
US Bank	0.07%	(3.0)	1.59%
Caliber Home Loans	0.08%	(3.0)	0.10%
FM Home Loans	0.08%	(3.0)	0.60%
Residential Mortgage Services	0.08%	(3.0)	0.10%
Plaza Home Mortgage	0.08%	(3.0)	0.10%
HomeBridge Financial Services	0.08%	(3.0)	0.10%
Ulster Savings Bank	0.08%	(3.0)	1.00%
Guaranteed Rate	0.09%	(3.0)	0.50%
Quicken Loans	0.09%	(3.0)	0.50%
Navy Federal Credit Union	0.10%	(3.0)	0.50%
Santander Bank	0.10%	(3.0)	0.90%
Webster Bank	0.11%	(3.0)	1.79%
Carrington Mortgage Services	0.11%	(3.0)	0.20%
NewRez	0.11%	(3.0)	0.60%
JPMorgan Chase Bank	0.11%	(3.0)	16.53%
loanDepot	0.14%	(3.0)	1.59%

Lender Name	Rate Difference	Rate Rating	Market Share
Citibank	-0.15%	(4.0)	16.23%
Bank of America	-0.09%	(4.0)	16.10%
Wells Fargo Bank	-0.00%	(3.5)	30.56%
HSBC Bank USA	0.02%	(3.5)	1.23%
KeyBank	0.03%	(3.5)	1.23%
TD Bank	0.04%	(3.5)	2.32%
First Republic Bank	0.04%	(3.5)	0.55%
PNC Bank	0.05%	(3.0)	0.55%
Valley Bank	0.06%	(3.0)	0.55%
Mid-Island Mortgage Corp	0.06%	(3.0)	0.14%
Weichert Financial Services	0.06%	(3.0)	0.14%
Home Point Financial Corporation	0.06%	(3.0)	0.14%
Morgan Stanley Private Bank	0.07%	(3.0)	1.09%
United Nations Federal Credit Union	0.07%	(3.0)	0.14%
Flagstar Bank	0.07%	(3.0)	0.14%
Total Mortgage Services	0.07%	(3.0)	0.14%
TBI Mortgage Company	0.07%	(3.0)	0.14%
M&T Bank	0.07%	(3.0)	0.82%
GuardHill Financial Corp	0.07%	(3.0)	0.27%
Greenway Mortgage	0.07%	(3.0)	0.14%
Quicken Loans	0.07%	(3.0)	0.27%
Movement Mortgage	0.08%	(3.0)	0.14%
Ally Bank	0.08%	(3.0)	0.55%
Caliber Home Loans	0.08%	(3.0)	0.14%
FM Home Loans	0.08%	(3.0)	0.41%
Residential Mortgage Services	0.09%	(3.0)	0.14%
Plaza Home Mortgage	0.09%	(3.0)	0.14%
HomeBridge Financial Services	0.09%	(3.0)	0.14%
Ulster Savings Bank	0.09%	(3.0)	0.55%
US Bank	0.09%	(3.0)	1.50%
Guaranteed Rate	0.10%	(3.0)	0.55%
Navy Federal Credit Union	0.10%	(3.0)	0.68%
Santander Bank	0.11%	(3.0)	1.09%
NewRez	0.11%	(3.0)	0.41%
Carrington Mortgage Services	0.11%	(3.0)	0.27%
Webster Bank	0.12%	(3.0)	2.32%
JPMorgan Chase Bank	0.13%	(3.0)	16.64%
loanDepot	0.17%	(2.5)	1.50%

Lender Name	Rate Difference	Rate Rating	Market Share
Citibank	-0.07%	(4.0)	16.24%
Bank of America	-0.02%	(3.5)	11.44%
Wells Fargo Bank	-0.02%	(3.5)	30.63%
First Republic Bank	0.00%	(3.5)	1.85%
Morgan Stanley Private Bank	0.02%	(3.5)	1.85%
HSBC Bank USA	0.02%	(3.5)	0.74%
United Nations Federal Credit Union	0.03%	(3.5)	0.74%
KeyBank	0.03%	(3.5)	1.11%
TD Bank	0.03%	(3.5)	5.17%
People’s United Bank	0.03%	(3.5)	1.11%
PNC Bank	0.03%	(3.5)	0.37%
Guaranteed Rate	0.03%	(3.5)	0.37%
US Bank	0.03%	(3.5)	1.85%
Valley Bank	0.04%	(3.5)	0.37%
Santander Bank	0.04%	(3.5)	0.37%
Webster Bank	0.04%	(3.5)	0.37%
M&T Bank	0.04%	(3.5)	1.48%
GuardHill Financial Corp	0.04%	(3.5)	0.37%
JPMorgan Chase Bank	0.05%	(3.0)	16.24%
FM Home Loans	0.06%	(3.0)	1.11%
Ulster Savings Bank	0.07%	(3.0)	2.21%
loanDepot	0.08%	(3.0)	1.85%
Quicken Loans	0.10%	(3.0)	1.11%
NewRez	0.10%	(3.0)	1.11%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.21%	(4.5)	8.54%
CMG Financial	-0.06%	(4.0)	0.68%
North American Savings Bank	-0.06%	(4.0)	2.17%
Bank of America	-0.06%	(4.0)	0.27%
loanDepot	-0.05%	(4.0)	7.45%
Freedom Mortgage Corporation	-0.05%	(4.0)	3.12%
Home Point Financial Corporation	-0.05%	(3.5)	1.63%
Wells Fargo Bank	-0.04%	(3.5)	2.44%
Caliber Home Loans	-0.03%	(3.5)	2.98%
Ulster Savings Bank	-0.03%	(3.5)	1.22%
Hudson Valley Credit Union	-0.03%	(3.5)	0.68%
Embrace Home Loans	-0.03%	(3.5)	0.81%
NBKC Bank	-0.02%	(3.5)	1.08%
United Northern Mortgage Bankers	-0.02%	(3.5)	0.14%
Fairway Independent Mortgage Corporation	-0.02%	(3.5)	0.68%
M&T Bank	-0.02%	(3.5)	0.27%
Movement Mortgage	-0.01%	(3.5)	0.41%
NJ Lenders Corp	-0.01%	(3.5)	0.14%
Cardinal Financial Company	-0.01%	(3.5)	0.68%
Thoroughbred Mortgage	-0.01%	(3.5)	0.41%
NewRez	-0.01%	(3.5)	1.76%
TIAA Bank	-0.01%	(3.5)	0.41%
Guaranteed Rate	-0.01%	(3.5)	2.30%
Homestead Funding Corp	-0.01%	(3.5)	4.34%
KeyBank	-0.01%	(3.5)	0.68%
Weichert Financial Services	-0.01%	(3.5)	0.14%
RealFi	-0.01%	(3.5)	1.36%
East Coast Capital Corporation	-0.01%	(3.5)	0.14%
Residential Mortgage Services	-0.00%	(3.5)	0.14%
Nationwide Mortgage Bankers	-0.00%	(3.5)	0.41%
Meadowbrook Financial Mortgage Bankers	-0.00%	(3.5)	0.54%
Citibank	0.00%	(3.5)	0.14%
Carrington Mortgage Services	0.00%	(3.5)	1.90%
JPMorgan Chase Bank	0.01%	(3.5)	0.54%
Luxury Mortgage Corp	0.01%	(3.5)	0.27%
TD Bank	0.01%	(3.5)	0.14%
Contour Mortgage Corporation	0.01%	(3.5)	0.95%
TBI Mortgage Company	0.01%	(3.5)	0.14%
Arc Home	0.01%	(3.5)	0.68%
Mr. Cooper	0.01%	(3.5)	2.98%
Greenway Mortgage	0.02%	(3.5)	0.27%
United Mortgage Corp	0.02%	(3.5)	0.54%
Intercontinental Capital Group	0.02%	(3.5)	0.41%
Family First Funding	0.02%	(3.5)	0.68%
Reliance First Capital	0.03%	(3.5)	0.54%
Flagstar Bank	0.03%	(3.5)	1.76%
Plaza Home Mortgage	0.04%	(3.5)	2.71%
PrimeLending	0.04%	(3.5)	4.61%
Valley Bank	0.04%	(3.5)	0.54%
HomeBridge Financial Services	0.06%	(3.0)	3.52%
USAA	0.08%	(3.0)	12.20%
The Federal Savings Bank	0.08%	(3.0)	2.85%
Quicken Loans	0.09%	(3.0)	13.69%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.23%	(4.5)	11.74%
Freedom Mortgage Corporation	-0.08%	(4.0)	2.61%
North American Savings Bank	-0.06%	(4.0)	2.61%
Bank of America	-0.05%	(3.5)	0.43%
Home Point Financial Corporation	-0.05%	(3.5)	2.17%
Wells Fargo Bank	-0.03%	(3.5)	3.70%
Caliber Home Loans	-0.03%	(3.5)	3.04%
Ulster Savings Bank	-0.02%	(3.5)	1.96%
loanDepot	-0.02%	(3.5)	3.48%
Fairway Independent Mortgage Corporation	-0.02%	(3.5)	0.65%
Hudson Valley Credit Union	-0.02%	(3.5)	0.43%
Mr. Cooper	-0.01%	(3.5)	3.04%
NBKC Bank	-0.01%	(3.5)	1.52%
KeyBank	-0.01%	(3.5)	0.65%
Movement Mortgage	-0.01%	(3.5)	0.43%
NJ Lenders Corp	-0.01%	(3.5)	0.22%
Thoroughbred Mortgage	-0.00%	(3.5)	0.43%
TIAA Bank	-0.00%	(3.5)	0.65%
Homestead Funding Corp	-0.00%	(3.5)	6.09%
Weichert Financial Services	0.00%	(3.5)	0.22%
NewRez	0.00%	(3.5)	1.74%
Meadowbrook Financial Mortgage Bankers	0.01%	(3.5)	0.65%
Guaranteed Rate	0.01%	(3.5)	2.83%
CMG Financial	0.01%	(3.5)	0.22%
Citibank	0.01%	(3.5)	0.22%
Nationwide Mortgage Bankers	0.01%	(3.5)	0.43%
Luxury Mortgage Corp	0.01%	(3.5)	0.43%
JPMorgan Chase Bank	0.01%	(3.5)	0.65%
Contour Mortgage Corporation	0.02%	(3.5)	1.09%
TD Bank	0.02%	(3.5)	0.22%
TBI Mortgage Company	0.02%	(3.5)	0.22%
Arc Home	0.02%	(3.5)	0.43%
The Federal Savings Bank	0.02%	(3.5)	0.22%
Cardinal Financial Company	0.02%	(3.5)	0.43%
United Mortgage Corp	0.02%	(3.5)	0.22%
Carrington Mortgage Services	0.02%	(3.5)	0.22%
Greenway Mortgage	0.02%	(3.5)	0.43%
RealFi	0.03%	(3.5)	1.30%
Intercontinental Capital Group	0.03%	(3.5)	0.65%
Family First Funding	0.03%	(3.5)	1.09%
PrimeLending	0.05%	(3.0)	6.74%
Valley Bank	0.05%	(3.0)	0.87%
Plaza Home Mortgage	0.06%	(3.0)	3.48%
Flagstar Bank	0.06%	(3.0)	1.96%
Quicken Loans	0.06%	(3.0)	7.61%
HomeBridge Financial Services	0.09%	(3.0)	4.57%
USAA	0.12%	(3.0)	15.00%

Lender Name	Rate Difference	Rate Rating	Market Share
CMG Financial	-0.09%	(4.0)	1.44%
Navy Federal Credit Union	-0.08%	(4.0)	3.24%
loanDepot	-0.08%	(4.0)	14.03%
RealFi	-0.06%	(4.0)	1.44%
Guaranteed Rate	-0.06%	(4.0)	1.44%
HomeBridge Financial Services	-0.05%	(4.0)	1.80%
North American Savings Bank	-0.05%	(4.0)	1.44%
Hudson Valley Credit Union	-0.05%	(3.5)	1.08%
Cardinal Financial Company	-0.05%	(3.5)	1.08%
Caliber Home Loans	-0.04%	(3.5)	2.88%
USAA	-0.04%	(3.5)	7.55%
Embrace Home Loans	-0.04%	(3.5)	2.16%
NewRez	-0.04%	(3.5)	1.80%
Flagstar Bank	-0.03%	(3.5)	1.44%
United Northern Mortgage Bankers	-0.03%	(3.5)	0.36%
Homestead Funding Corp	-0.03%	(3.5)	1.44%
M&T Bank	-0.03%	(3.5)	0.72%
Freedom Mortgage Corporation	-0.03%	(3.5)	3.96%
Nationwide Mortgage Bankers	-0.03%	(3.5)	0.36%
Plaza Home Mortgage	-0.03%	(3.5)	1.44%
Thoroughbred Mortgage	-0.03%	(3.5)	0.36%
Movement Mortgage	-0.03%	(3.5)	0.36%
NBKC Bank	-0.03%	(3.5)	0.36%
East Coast Capital Corporation	-0.02%	(3.5)	0.36%
Wells Fargo Bank	-0.02%	(3.5)	0.36%
Residential Mortgage Services	-0.02%	(3.5)	0.36%
Home Point Financial Corporation	-0.01%	(3.5)	0.72%
Fairway Independent Mortgage Corporation	-0.01%	(3.5)	0.72%
Carrington Mortgage Services	-0.01%	(3.5)	4.68%
JPMorgan Chase Bank	-0.01%	(3.5)	0.36%
KeyBank	-0.01%	(3.5)	0.72%
Contour Mortgage Corporation	-0.01%	(3.5)	0.72%
Meadowbrook Financial Mortgage Bankers	-0.01%	(3.5)	0.36%
Arc Home	-0.00%	(3.5)	1.08%
PrimeLending	0.01%	(3.5)	1.08%
United Mortgage Corp	0.01%	(3.5)	1.08%
Reliance First Capital	0.01%	(3.5)	1.44%
Mr. Cooper	0.05%	(3.0)	2.88%
The Federal Savings Bank	0.07%	(3.0)	7.19%
Quicken Loans	0.10%	(3.0)	23.74%

* Data is compiled for the Yonkers, NY commuting zone area, which comprises of counties of Dutchess County, NY, Orange County, NY, Putnam County, NY, Rockland County, NY, Sullivan County, NY, Ulster County, NY, and Westchester County, NY. This includes cities/towns/communities of Yonkers, NY as well as New Rochelle, NY, White Plains, NY, Mount Vernon, NY, New City, NY, Scarsdale, NY, Kiryas Joel, NY, Eastchester, NY, Harrison, NY, Rye, NY, Peekskill, NY, Middletown, NY, Pearl River, NY, Nanuet, NY, Mahopac, NY, Mamaroneck, NY, Poughkeepsie, NY, Ossining, NY, Walton Park, NY, Woodbury, NY, Greenville, NY, Hartsdale, NY, Port Chester, NY, Monroe, NY, Jefferson Valley-Yorktown, NY, Spring Valley, NY, Myers Corner, NY, Red Oaks Mill, NY, Kingston, NY, Briarcliff Manor, NY, Stony Point, NY, Beacon, NY, Valley Cottage, NY, Warwick, NY, Newburgh, NY, Rye Brook, NY, Beaver Dam Lake, NY, Tarrytown, NY, Airmont, NY, Monsey, NY, Wurtsboro, NY, Hopewell Junction, NY, Scotchtown, NY, Suffern, NY, Montebello, NY, New Windsor, NY, Firthcliffe, NY, Dobbs Ferry, NY, Larchmont, NY, Florida, NY, and Orange Lake, 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.

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