Top Mortgage Lenders in Johnson City, TN

Which mortgage lender in the Johnson City, TN 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 Johnson City, TN area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Johnson City, TN area in terms of interest rate is Knoxville TVA Employees Credit Union, with an average “Rate Difference” of -0.23%. This means that, comparing similar borrowers, Knoxville TVA Employees Credit Union provided a -0.23% lower interest rate for its customers than other lenders in the area. Knoxville TVA Employees Credit Union has a market share of 0.7%. On the other hand, the most popular lender in the Johnson City, TN area is Eastman Credit Union, with a larger market share of 33.1%. Eastman Credit Union is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.10% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Johnson City, TN area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Johnson City, TN is Knoxville TVA Employees Credit Union. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is First Horizon Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Guaranty Home Mortgage Corporation. 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 Johnson City, TN

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Knoxville TVA Employees Credit Union-0.23%(4.5)0.75%
Truist Bank-0.21%(4.5)1.25%
Wells Fargo Bank-0.18%(4.5)2.16%
First Horizon Bank-0.15%(4.5)2.16%
Navy Federal Credit Union-0.13%(4.0)1.04%
JPMorgan Chase Bank-0.12%(4.0)0.88%
SunTrust Bank-0.12%(4.0)0.67%
HomeTrust Bank-0.12%(4.0)0.67%
Atlantic Bay Mortgage Group-0.12%(4.0)1.89%
Guaranty Home Mortgage Corporation-0.12%(4.0)0.78%
Movement Mortgage-0.10%(4.0)3.93%
US Bank-0.10%(4.0)0.55%
Gateway First Bank-0.10%(4.0)0.90%
Lakeview Loan Servicing-0.09%(4.0)0.55%
Caliber Home Loans-0.09%(4.0)1.66%
Towne Mortgage Company-0.07%(4.0)0.55%
Regions Bank-0.05%(3.5)1.34%
Carrington Mortgage Services-0.05%(3.5)0.62%
PennyMac Loan Services-0.04%(3.5)0.59%
Mortgage Investors Group-0.04%(3.5)5.89%
Success Mortgage Partners-0.03%(3.5)0.67%
Bank of Tennessee-0.03%(3.5)1.96%
Quicken Loans-0.02%(3.5)11.22%
First Bank and Trust Company-0.02%(3.5)3.12%
Freedom Mortgage Corporation-0.01%(3.5)0.82%
Fairway Independent Mortgage Corporation-0.00%(3.5)2.27%
Farm Credit Mid-America0.02%(3.5)0.85%
PRMG Mortgage0.02%(3.5)0.70%
Mr. Cooper0.04%(3.5)1.10%
Cardinal Financial Company0.08%(3.0)7.61%
Eastman Credit Union0.10%(3.0)33.14%
Lender NameRate DifferenceRate RatingMarket Share
Truist Bank-0.24%(4.5)1.16%
Wells Fargo Bank-0.22%(4.5)2.44%
First Horizon Bank-0.19%(4.5)2.30%
JPMorgan Chase Bank-0.19%(4.5)0.68%
SunTrust Bank-0.15%(4.5)0.57%
HomeTrust Bank-0.15%(4.5)0.59%
Navy Federal Credit Union-0.14%(4.0)1.35%
Atlantic Bay Mortgage Group-0.14%(4.0)2.14%
Guaranty Home Mortgage Corporation-0.13%(4.0)1.07%
Regions Bank-0.13%(4.0)1.03%
Caliber Home Loans-0.10%(4.0)2.01%
Movement Mortgage-0.10%(4.0)5.11%
US Bank-0.10%(4.0)0.39%
Bank of Tennessee-0.09%(4.0)2.01%
Towne Mortgage Company-0.09%(4.0)0.57%
Knoxville TVA Employees Credit Union-0.09%(4.0)0.46%
Gateway First Bank-0.08%(4.0)0.52%
PennyMac Loan Services-0.05%(4.0)0.16%
Success Mortgage Partners-0.05%(3.5)0.80%
First Bank and Trust Company-0.05%(3.5)2.85%
Mortgage Investors Group-0.04%(3.5)7.94%
Freedom Mortgage Corporation-0.04%(3.5)0.64%
Mr. Cooper-0.04%(3.5)0.41%
Quicken Loans-0.03%(3.5)5.32%
Carrington Mortgage Services-0.03%(3.5)0.16%
Lakeview Loan Servicing-0.02%(3.5)0.02%
Fairway Independent Mortgage Corporation-0.01%(3.5)3.03%
Farm Credit Mid-America0.03%(3.5)0.94%
PRMG Mortgage0.04%(3.5)0.80%
Cardinal Financial Company0.09%(3.0)10.43%
Eastman Credit Union0.11%(3.0)33.77%
Lender NameRate DifferenceRate RatingMarket Share
Knoxville TVA Employees Credit Union-0.31%(5.0)1.33%
Movement Mortgage-0.17%(4.5)1.56%
Truist Bank-0.16%(4.5)1.42%
Gateway First Bank-0.10%(4.0)1.65%
US Bank-0.10%(4.0)0.87%
Mortgage Investors Group-0.08%(4.0)1.78%
Lakeview Loan Servicing-0.07%(4.0)1.60%
SunTrust Bank-0.07%(4.0)0.87%
HomeTrust Bank-0.07%(4.0)0.82%
Navy Federal Credit Union-0.06%(4.0)0.41%
First Horizon Bank-0.05%(4.0)1.88%
PRMG Mortgage-0.05%(4.0)0.50%
Atlantic Bay Mortgage Group-0.05%(3.5)1.37%
Guaranty Home Mortgage Corporation-0.04%(3.5)0.18%
Wells Fargo Bank-0.04%(3.5)1.60%
JPMorgan Chase Bank-0.04%(3.5)1.28%
Caliber Home Loans-0.04%(3.5)0.96%
Carrington Mortgage Services-0.03%(3.5)1.56%
Farm Credit Mid-America-0.03%(3.5)0.69%
Cardinal Financial Company-0.03%(3.5)1.97%
PennyMac Loan Services-0.03%(3.5)1.46%
Towne Mortgage Company-0.02%(3.5)0.50%
Success Mortgage Partners-0.01%(3.5)0.41%
Quicken Loans-0.00%(3.5)23.06%
First Bank and Trust Company0.02%(3.5)3.66%
Freedom Mortgage Corporation0.03%(3.5)1.19%
Fairway Independent Mortgage Corporation0.03%(3.5)0.73%
Regions Bank0.04%(3.5)1.97%
Eastman Credit Union0.06%(3.0)31.88%
Mr. Cooper0.08%(3.0)2.47%
Bank of Tennessee0.10%(3.0)1.88%
Lender NameRate DifferenceRate RatingMarket Share
Knoxville TVA Employees Credit Union-0.24%(4.5)1.03%
Truist Bank-0.23%(4.5)1.70%
Wells Fargo Bank-0.20%(4.5)2.77%
First Horizon Bank-0.18%(4.5)2.56%
SunTrust Bank-0.14%(4.0)0.86%
Gateway First Bank-0.14%(4.0)0.92%
Movement Mortgage-0.14%(4.0)3.37%
JPMorgan Chase Bank-0.13%(4.0)1.25%
HomeTrust Bank-0.13%(4.0)0.95%
Guaranty Home Mortgage Corporation-0.12%(4.0)0.34%
Atlantic Bay Mortgage Group-0.12%(4.0)1.61%
US Bank-0.12%(4.0)0.69%
Caliber Home Loans-0.11%(4.0)1.05%
Towne Mortgage Company-0.08%(4.0)0.60%
Success Mortgage Partners-0.07%(4.0)0.47%
Regions Bank-0.06%(4.0)1.59%
Mortgage Investors Group-0.05%(4.0)3.16%
Carrington Mortgage Services-0.05%(4.0)0.13%
Navy Federal Credit Union-0.05%(3.5)0.58%
First Bank and Trust Company-0.03%(3.5)4.41%
Bank of Tennessee-0.03%(3.5)2.08%
Lakeview Loan Servicing-0.02%(3.5)0.02%
PennyMac Loan Services-0.01%(3.5)0.28%
Freedom Mortgage Corporation0.00%(3.5)0.11%
Cardinal Financial Company0.01%(3.5)4.30%
Quicken Loans0.01%(3.5)9.46%
Farm Credit Mid-America0.01%(3.5)0.97%
PRMG Mortgage0.02%(3.5)0.15%
Fairway Independent Mortgage Corporation0.07%(3.0)1.23%
Mr. Cooper0.07%(3.0)0.67%
Eastman Credit Union0.09%(3.0)45.65%
Lender NameRate DifferenceRate RatingMarket Share
Truist Bank-0.26%(5.0)1.65%
Wells Fargo Bank-0.25%(5.0)3.10%
First Horizon Bank-0.23%(4.5)2.64%
JPMorgan Chase Bank-0.20%(4.5)0.99%
SunTrust Bank-0.18%(4.5)0.76%
Regions Bank-0.17%(4.5)1.06%
HomeTrust Bank-0.16%(4.5)0.86%
Atlantic Bay Mortgage Group-0.15%(4.5)1.62%
Guaranty Home Mortgage Corporation-0.14%(4.0)0.43%
Caliber Home Loans-0.13%(4.0)1.39%
Movement Mortgage-0.13%(4.0)4.29%
US Bank-0.12%(4.0)0.43%
Bank of Tennessee-0.11%(4.0)2.05%
Towne Mortgage Company-0.11%(4.0)0.59%
Gateway First Bank-0.10%(4.0)0.43%
Knoxville TVA Employees Credit Union-0.10%(4.0)0.63%
Success Mortgage Partners-0.10%(4.0)0.53%
PennyMac Loan Services-0.06%(4.0)0.07%
First Bank and Trust Company-0.06%(4.0)4.13%
Navy Federal Credit Union-0.06%(4.0)0.86%
Carrington Mortgage Services-0.05%(3.5)0.07%
Mortgage Investors Group-0.04%(3.5)3.93%
Lakeview Loan Servicing-0.03%(3.5)0.03%
Quicken Loans-0.01%(3.5)4.89%
Mr. Cooper-0.01%(3.5)0.10%
Freedom Mortgage Corporation0.01%(3.5)0.07%
PRMG Mortgage0.01%(3.5)0.23%
Cardinal Financial Company0.01%(3.5)5.84%
Farm Credit Mid-America0.04%(3.5)1.09%
Fairway Independent Mortgage Corporation0.07%(3.0)1.58%
Eastman Credit Union0.10%(3.0)47.84%
Lender NameRate DifferenceRate RatingMarket Share
Knoxville TVA Employees Credit Union-0.32%(5.0)1.79%
Movement Mortgage-0.23%(4.5)1.66%
Truist Bank-0.19%(4.5)1.79%
Gateway First Bank-0.14%(4.0)1.85%
Mortgage Investors Group-0.12%(4.0)1.72%
US Bank-0.11%(4.0)1.17%
SunTrust Bank-0.09%(4.0)1.05%
HomeTrust Bank-0.08%(4.0)1.11%
First Horizon Bank-0.07%(4.0)2.40%
Cardinal Financial Company-0.07%(4.0)1.42%
Guaranty Home Mortgage Corporation-0.07%(4.0)0.18%
Atlantic Bay Mortgage Group-0.07%(4.0)1.60%
Wells Fargo Bank-0.06%(4.0)2.16%
JPMorgan Chase Bank-0.06%(4.0)1.72%
Farm Credit Mid-America-0.05%(4.0)0.74%
Carrington Mortgage Services-0.04%(3.5)0.25%
Caliber Home Loans-0.03%(3.5)0.43%
Towne Mortgage Company-0.03%(3.5)0.62%
Navy Federal Credit Union-0.03%(3.5)0.06%
Success Mortgage Partners-0.01%(3.5)0.37%
First Bank and Trust Company0.00%(3.5)4.93%
Freedom Mortgage Corporation0.01%(3.5)0.18%
PennyMac Loan Services0.01%(3.5)0.68%
Fairway Independent Mortgage Corporation0.02%(3.5)0.55%
Quicken Loans0.03%(3.5)17.98%
Regions Bank0.03%(3.5)2.59%
Eastman Credit Union0.05%(3.5)41.56%
Mr. Cooper0.10%(3.0)1.72%
Bank of Tennessee0.10%(3.0)2.16%
Lender NameRate DifferenceRate RatingMarket Share
Guaranty Home Mortgage Corporation-0.13%(4.0)1.39%
Quicken Loans-0.12%(4.0)17.76%
Atlantic Bay Mortgage Group-0.10%(4.0)3.64%
Caliber Home Loans-0.06%(4.0)2.60%
Movement Mortgage-0.05%(4.0)6.76%
Fairway Independent Mortgage Corporation-0.05%(3.5)5.03%
Carrington Mortgage Services-0.04%(3.5)1.73%
Towne Mortgage Company-0.04%(3.5)0.43%
Lakeview Loan Servicing-0.03%(3.5)1.65%
Bank of Tennessee-0.03%(3.5)1.91%
PennyMac Loan Services-0.02%(3.5)0.78%
US Bank-0.02%(3.5)0.17%
Regions Bank-0.01%(3.5)0.69%
Navy Federal Credit Union-0.01%(3.5)0.09%
Mortgage Investors Group-0.01%(3.5)16.81%
SunTrust Bank0.00%(3.5)0.09%
Gateway First Bank0.01%(3.5)0.87%
Eastman Credit Union0.01%(3.5)0.17%
Freedom Mortgage Corporation0.01%(3.5)2.69%
Wells Fargo Bank0.02%(3.5)0.09%
Mr. Cooper0.04%(3.5)2.60%
Success Mortgage Partners0.05%(3.5)1.30%
PRMG Mortgage0.09%(3.0)2.08%
Cardinal Financial Company0.14%(3.0)19.76%
Lender NameRate DifferenceRate RatingMarket Share
Guaranty Home Mortgage Corporation-0.15%(4.5)1.83%
Atlantic Bay Mortgage Group-0.13%(4.0)4.34%
Quicken Loans-0.11%(4.0)7.66%
Caliber Home Loans-0.09%(4.0)2.97%
Movement Mortgage-0.07%(4.0)8.46%
Fairway Independent Mortgage Corporation-0.07%(4.0)6.51%
Towne Mortgage Company-0.06%(4.0)0.57%
PennyMac Loan Services-0.06%(4.0)0.23%
Bank of Tennessee-0.06%(4.0)2.17%
Mr. Cooper-0.05%(4.0)1.14%
US Bank-0.04%(3.5)0.23%
Regions Bank-0.03%(3.5)0.91%
Carrington Mortgage Services-0.03%(3.5)0.34%
Gateway First Bank-0.03%(3.5)0.69%
Navy Federal Credit Union-0.03%(3.5)0.11%
Mortgage Investors Group-0.03%(3.5)21.26%
Freedom Mortgage Corporation-0.02%(3.5)2.17%
Eastman Credit Union-0.02%(3.5)0.11%
Wells Fargo Bank-0.00%(3.5)0.11%
Success Mortgage Partners0.04%(3.5)1.49%
PRMG Mortgage0.08%(3.0)2.51%
Cardinal Financial Company0.13%(3.0)24.80%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.08%(4.0)49.46%
Carrington Mortgage Services0.01%(3.5)6.09%
Lakeview Loan Servicing0.03%(3.5)6.81%
Success Mortgage Partners0.04%(3.5)0.72%
PennyMac Loan Services0.05%(3.5)2.51%
Bank of Tennessee0.05%(3.0)1.08%
Movement Mortgage0.06%(3.0)1.43%
Atlantic Bay Mortgage Group0.06%(3.0)1.43%
SunTrust Bank0.06%(3.0)0.36%
Mortgage Investors Group0.07%(3.0)2.87%
PRMG Mortgage0.07%(3.0)0.72%
Fairway Independent Mortgage Corporation0.07%(3.0)0.36%
Eastman Credit Union0.08%(3.0)0.36%
Caliber Home Loans0.08%(3.0)1.43%
Cardinal Financial Company0.09%(3.0)3.94%
Gateway First Bank0.10%(3.0)1.43%
Freedom Mortgage Corporation0.10%(3.0)4.30%
Mr. Cooper0.13%(3.0)7.17%
Lender NameRate DifferenceRate RatingMarket Share
First Horizon Bank-0.05%(4.0)36.07%
Wells Fargo Bank0.00%(3.5)3.28%
Knoxville TVA Employees Credit Union0.00%(3.5)1.64%
Farm Credit Mid-America0.01%(3.5)18.03%
Towne Mortgage Company0.01%(3.5)1.64%
Bank of Tennessee0.01%(3.5)1.64%
US Bank0.01%(3.5)1.64%
Mortgage Investors Group0.03%(3.5)1.64%
Eastman Credit Union0.05%(3.5)34.43%
Lender NameRate DifferenceRate RatingMarket Share
First Horizon Bank-0.05%(3.5)45.45%
Wells Fargo Bank0.01%(3.5)4.55%
Knoxville TVA Employees Credit Union0.01%(3.5)2.27%
Farm Credit Mid-America0.02%(3.5)18.18%
Towne Mortgage Company0.02%(3.5)2.27%
US Bank0.02%(3.5)2.27%
Mortgage Investors Group0.03%(3.5)2.27%
Eastman Credit Union0.08%(3.0)22.73%
Lender NameRate DifferenceRate RatingMarket Share
First Horizon Bank-0.04%(3.5)11.76%
Farm Credit Mid-America-0.02%(3.5)17.65%
Bank of Tennessee-0.01%(3.5)5.88%
Eastman Credit Union0.01%(3.5)64.71%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.17%(4.5)5.71%
Lakeview Loan Servicing-0.10%(4.0)2.28%
Wells Fargo Bank-0.06%(4.0)1.43%
Guaranty Home Mortgage Corporation-0.05%(4.0)2.71%
PennyMac Loan Services-0.05%(4.0)2.43%
Atlantic Bay Mortgage Group-0.04%(3.5)1.00%
Caliber Home Loans-0.04%(3.5)4.28%
Success Mortgage Partners-0.03%(3.5)1.00%
PRMG Mortgage-0.02%(3.5)2.14%
First Horizon Bank-0.02%(3.5)0.14%
Truist Bank-0.02%(3.5)0.43%
Bank of Tennessee-0.01%(3.5)1.28%
Gateway First Bank-0.01%(3.5)0.86%
Towne Mortgage Company-0.01%(3.5)0.29%
Mortgage Investors Group-0.01%(3.5)6.42%
SunTrust Bank-0.00%(3.5)0.43%
US Bank0.00%(3.5)0.14%
Regions Bank0.01%(3.5)0.86%
Movement Mortgage0.01%(3.5)3.28%
Fairway Independent Mortgage Corporation0.01%(3.5)4.85%
Carrington Mortgage Services0.01%(3.5)2.14%
Freedom Mortgage Corporation0.02%(3.5)2.57%
Mr. Cooper0.03%(3.5)1.57%
Eastman Credit Union0.05%(3.0)4.28%
Quicken Loans0.08%(3.0)13.12%
Cardinal Financial Company0.20%(2.5)10.27%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.20%(4.5)7.36%
Wells Fargo Bank-0.07%(4.0)2.30%
Guaranty Home Mortgage Corporation-0.06%(4.0)4.14%
Atlantic Bay Mortgage Group-0.05%(3.5)1.61%
Gateway First Bank-0.04%(3.5)0.92%
Success Mortgage Partners-0.03%(3.5)1.38%
Caliber Home Loans-0.03%(3.5)4.60%
Freedom Mortgage Corporation-0.02%(3.5)1.61%
First Horizon Bank-0.02%(3.5)0.23%
Bank of Tennessee-0.02%(3.5)1.61%
Truist Bank-0.02%(3.5)0.23%
PennyMac Loan Services-0.01%(3.5)0.69%
Towne Mortgage Company-0.01%(3.5)0.23%
Mortgage Investors Group-0.01%(3.5)9.66%
US Bank-0.00%(3.5)0.23%
Fairway Independent Mortgage Corporation0.00%(3.5)6.44%
SunTrust Bank0.00%(3.5)0.46%
Regions Bank0.00%(3.5)1.15%
Movement Mortgage0.01%(3.5)4.60%
Mr. Cooper0.03%(3.5)1.15%
Carrington Mortgage Services0.03%(3.5)0.46%
PRMG Mortgage0.04%(3.5)1.38%
Quicken Loans0.04%(3.5)4.14%
Eastman Credit Union0.07%(3.0)4.60%
Cardinal Financial Company0.23%(2.5)14.48%
Lender NameRate DifferenceRate RatingMarket Share
Lakeview Loan Servicing-0.09%(4.0)6.02%
Caliber Home Loans-0.06%(4.0)3.76%
PRMG Mortgage-0.06%(4.0)3.38%
PennyMac Loan Services-0.06%(4.0)5.26%
Navy Federal Credit Union-0.05%(4.0)3.01%
Cardinal Financial Company-0.02%(3.5)3.38%
Success Mortgage Partners-0.01%(3.5)0.38%
Truist Bank-0.01%(3.5)0.75%
Towne Mortgage Company-0.01%(3.5)0.38%
SunTrust Bank-0.01%(3.5)0.38%
Guaranty Home Mortgage Corporation-0.01%(3.5)0.38%
Mortgage Investors Group-0.00%(3.5)1.13%
Bank of Tennessee0.00%(3.5)0.75%
Movement Mortgage0.00%(3.5)1.13%
Regions Bank0.00%(3.5)0.38%
Carrington Mortgage Services0.01%(3.5)4.89%
Eastman Credit Union0.02%(3.5)3.76%
Gateway First Bank0.04%(3.5)0.75%
Mr. Cooper0.04%(3.5)2.26%
Fairway Independent Mortgage Corporation0.05%(3.5)2.26%
Freedom Mortgage Corporation0.05%(3.5)4.14%
Quicken Loans0.09%(3.0)27.82%

* Data is compiled for the Johnson City, TN commuting zone area, which comprises of counties of Carter County, TN, Greene County, TN, Hawkins County, TN, Sullivan County, TN, Unicoi County, TN, Washington County, TN, Scott County, VA, Smyth County, VA, Washington County, VA, and Bristol city, VA. This includes cities/towns/communities of Johnson City, TN as well as Kingsport, TN, Bristol, TN, Elizabethton, TN, Greeneville, TN, Jonesborough, TN, Abingdon, VA, Colonial Heights, TN, Telford, TN, Mount Carmel, TN, Bristol, VA, Fall Branch, TN, Spurgeon, TN, Erwin, TN, Church Hill, TN, Blountville, TN, Tusculum, TN, Mosheim, TN, Rogersville, TN, Surgoinsville, TN, Hunter, TN, Bloomingdale, TN, Spurgeon, TN, Bluff City, TN, Oak Grove, TN, Marion, VA, Walnut Hill, TN, Unicoi, TN, Mooresburg, TN, Damascus, VA, Chilhowie, VA, Roan Mountain, TN, Fall Branch, TN, Bulls Gap, TN, Glade Spring, VA, Baileyton, TN, Adwolf, VA, Weber City, VA, Gate City, VA, Duffield, VA, Saltville, VA, Central, TN, Nickelsville, VA, Atkins, VA, Emory, VA, Watauga, TN, Sugar Grove, VA, and Dungannon, VA. 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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