Top Mortgage Lenders in Birmingham, AL

Which mortgage lender in the Birmingham, AL 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 Birmingham, AL area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We 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 Birmingham, AL area in terms of interest rate is America’s First Federal Credit Union, with an average “Rate Difference” of -0.34%. This means that, comparing similar borrowers, America’s First Federal Credit Union provided a -0.34% lower interest rate for its customers than other lenders in the area. America’s First Federal Credit Union has a market share of 1.2%. On the other hand, the most popular lender in the Birmingham, AL area is Regions Bank, with a larger market share of 9.8%. Regions Bank is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.01% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Birmingham, AL 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, the cheapest lender for Conventional mortgages in Birmingham, AL is America’s First Federal Credit Union. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is Regions Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Trustmark National Bank. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Birmingham, AL

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
America’s First Federal Credit Union-0.34%(5.0)1.21%
Trustmark National Bank-0.18%(4.5)2.80%
Avadian Credit Union-0.16%(4.5)1.29%
CB&S Bank-0.14%(4.0)0.31%
First Federal Bank-0.14%(4.0)0.83%
Cadence Bank-0.14%(4.0)0.76%
APCO Employees Credit Union-0.13%(4.0)0.97%
MortgageRight-0.12%(4.0)1.69%
DHI Mortgage Company Limited-0.11%(4.0)1.45%
Prosperity Home Mortgage LLC-0.11%(4.0)2.89%
Keller Mortgage-0.10%(4.0)0.51%
Village Capital-0.09%(4.0)0.22%
Truist Bank-0.09%(4.0)0.73%
Bank of America-0.09%(4.0)0.52%
Home Point Financial Corporation-0.09%(4.0)1.19%
GMFS Mortgage-0.09%(4.0)1.23%
Renasant Bank-0.09%(4.0)4.08%
Liberty Mortgage Corporation-0.08%(4.0)0.45%
Ameris Bank-0.07%(4.0)0.95%
Progress Bank and Trust-0.07%(4.0)0.26%
FBC Mortgage-0.06%(4.0)1.54%
Mortgage Investors Group-0.06%(4.0)0.47%
Amerisave Mortgage Corporation-0.06%(4.0)0.38%
Guaranty Home Mortgage Corporation-0.06%(4.0)1.05%
Triumph Bank-0.06%(4.0)0.22%
SouthPoint Bank-0.05%(4.0)1.27%
Stockton Mortgage-0.05%(3.5)0.32%
Synovus Bank-0.05%(3.5)0.92%
RoundPoint Mortgage Servicing Corporation-0.04%(3.5)0.23%
CenterState Bank-0.03%(3.5)0.43%
FirstBank TN-0.03%(3.5)3.79%
NewRez-0.02%(3.5)0.27%
Wells Fargo Bank-0.02%(3.5)2.74%
Navy Federal Credit Union-0.02%(3.5)0.62%
SunTrust Bank-0.02%(3.5)0.41%
HomeTrust Mortgage Company-0.01%(3.5)0.26%
InterLinc Mortgage Services-0.01%(3.5)1.84%
Lakeview Loan Servicing-0.01%(3.5)0.26%
Fairway Independent Mortgage Corporation-0.01%(3.5)7.18%
Bank of England AR-0.01%(3.5)0.54%
IBERIABANK-0.01%(3.5)0.85%
Regions Bank-0.01%(3.5)9.76%
JPMorgan Chase Bank-0.01%(3.5)0.63%
USAA-0.01%(3.5)1.18%
US Bank-0.00%(3.5)0.34%
CMG Financial-0.00%(3.5)0.32%
Flagstar Bank-0.00%(3.5)0.63%
Bank of Little Rock0.00%(3.5)0.70%
BancorpSouth Bank0.01%(3.5)1.76%
State Farm Bank0.01%(3.5)0.20%
Cardinal Financial Company0.02%(3.5)0.26%
Carrington Mortgage Services0.02%(3.5)0.69%
PennyMac Loan Services0.02%(3.5)0.57%
BBVA0.02%(3.5)2.07%
Evansville Teachers Federal Credit Union0.02%(3.5)0.28%
PNC Bank0.03%(3.5)0.55%
ServisFirst Bank0.03%(3.5)0.99%
Caliber Home Loans0.03%(3.5)1.35%
HomeBridge Financial Services0.03%(3.5)0.60%
Hamilton Mortgage Corporation0.05%(3.5)0.29%
Vanderbilt Mortgage0.06%(3.0)0.51%
Goldwater Bank0.06%(3.0)0.28%
Guild Mortgage Company0.07%(3.0)2.55%
loanDepot0.08%(3.0)2.76%
Supreme Lending0.08%(3.0)0.33%
Academy Mortgage Corporation Utah0.08%(3.0)0.70%
Assurance Financial0.08%(3.0)1.43%
Reliance First Capital0.08%(3.0)0.28%
New American Funding0.08%(3.0)0.21%
LeaderOne Financial Corporation0.09%(3.0)0.25%
Benchmark0.10%(3.0)0.32%
Quicken Loans0.10%(3.0)7.59%
Freedom Mortgage Corporation0.11%(3.0)0.78%
Gold Star Mortgage Financial Group0.13%(3.0)0.23%
Movement Mortgage0.13%(3.0)2.37%
iServe Residential Lending0.13%(3.0)0.19%
Northpointe Bank0.18%(2.5)1.22%
Mr. Cooper0.20%(2.5)1.06%
Southwest Funding0.26%(2.0)0.55%
Hometown Lenders0.30%(2.0)1.70%
Finance of America Mortgage0.30%(2.0)0.64%
NewDay USA0.38%(1.5)0.23%
SecurityNational Mortgage Company0.43%(1.5)0.48%
Geneva Financial Home Loans0.45%(1.0)0.23%
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank-0.18%(4.5)2.86%
First Federal Bank-0.16%(4.5)0.87%
CB&S Bank-0.15%(4.5)0.43%
Cadence Bank-0.15%(4.5)1.05%
MortgageRight-0.14%(4.0)1.63%
Avadian Credit Union-0.13%(4.0)1.07%
Bank of America-0.13%(4.0)0.53%
DHI Mortgage Company Limited-0.11%(4.0)2.24%
GMFS Mortgage-0.11%(4.0)1.27%
Prosperity Home Mortgage LLC-0.11%(4.0)4.23%
Keller Mortgage-0.10%(4.0)0.72%
Regions Bank-0.10%(4.0)8.95%
Home Point Financial Corporation-0.09%(4.0)0.95%
Truist Bank-0.09%(4.0)0.59%
Renasant Bank-0.08%(4.0)4.11%
Wells Fargo Bank-0.07%(4.0)2.88%
Ameris Bank-0.07%(4.0)1.10%
SouthPoint Bank-0.07%(4.0)1.64%
Mortgage Investors Group-0.06%(4.0)0.30%
JPMorgan Chase Bank-0.06%(4.0)0.33%
Progress Bank and Trust-0.05%(4.0)0.18%
FBC Mortgage-0.05%(4.0)1.93%
Triumph Bank-0.04%(3.5)0.13%
CenterState Bank-0.04%(3.5)0.43%
Synovus Bank-0.04%(3.5)1.12%
FirstBank TN-0.04%(3.5)4.79%
Flagstar Bank-0.02%(3.5)0.70%
America’s First Federal Credit Union-0.02%(3.5)0.24%
PNC Bank-0.02%(3.5)0.23%
Stockton Mortgage-0.02%(3.5)0.26%
Fairway Independent Mortgage Corporation-0.02%(3.5)9.12%
Guaranty Home Mortgage Corporation-0.02%(3.5)1.03%
HomeTrust Mortgage Company-0.01%(3.5)0.36%
Navy Federal Credit Union-0.01%(3.5)0.83%
US Bank-0.01%(3.5)0.16%
SunTrust Bank-0.01%(3.5)0.43%
Reliance First Capital-0.01%(3.5)0.01%
Bank of England AR-0.01%(3.5)0.73%
Liberty Mortgage Corporation-0.01%(3.5)0.31%
Hamilton Mortgage Corporation-0.01%(3.5)0.23%
InterLinc Mortgage Services-0.00%(3.5)2.36%
Bank of Little Rock-0.00%(3.5)0.80%
APCO Employees Credit Union0.01%(3.5)0.61%
NewRez0.01%(3.5)0.03%
BancorpSouth Bank0.01%(3.5)2.35%
State Farm Bank0.01%(3.5)0.16%
Lakeview Loan Servicing0.02%(3.5)0.01%
USAA0.02%(3.5)1.40%
PennyMac Loan Services0.02%(3.5)0.17%
IBERIABANK0.02%(3.5)0.83%
Vanderbilt Mortgage0.03%(3.5)0.39%
Freedom Mortgage Corporation0.03%(3.5)0.57%
BBVA0.03%(3.5)2.08%
CMG Financial0.03%(3.5)0.10%
Evansville Teachers Federal Credit Union0.04%(3.5)0.35%
HomeBridge Financial Services0.04%(3.5)0.63%
Amerisave Mortgage Corporation0.04%(3.5)0.03%
RoundPoint Mortgage Servicing Corporation0.04%(3.5)0.02%
Caliber Home Loans0.05%(3.0)1.23%
ServisFirst Bank0.06%(3.0)1.14%
Cardinal Financial Company0.06%(3.0)0.18%
NewDay USA0.07%(3.0)0.02%
Goldwater Bank0.09%(3.0)0.30%
Academy Mortgage Corporation Utah0.09%(3.0)1.02%
Carrington Mortgage Services0.09%(3.0)0.14%
Supreme Lending0.09%(3.0)0.39%
Guild Mortgage Company0.10%(3.0)3.28%
Mr. Cooper0.10%(3.0)0.50%
New American Funding0.11%(3.0)0.24%
Quicken Loans0.11%(3.0)3.20%
Benchmark0.11%(3.0)0.40%
Assurance Financial0.12%(3.0)1.61%
LeaderOne Financial Corporation0.12%(3.0)0.29%
Gold Star Mortgage Financial Group0.14%(3.0)0.33%
Movement Mortgage0.15%(2.5)3.24%
loanDepot0.17%(2.5)2.25%
Northpointe Bank0.22%(2.5)1.57%
Southwest Funding0.28%(2.0)0.79%
Finance of America Mortgage0.33%(2.0)0.91%
Hometown Lenders0.36%(1.5)2.04%
SecurityNational Mortgage Company0.45%(1.0)0.71%
Geneva Financial Home Loans0.46%(1.0)0.36%
Lender NameRate DifferenceRate RatingMarket Share
America’s First Federal Credit Union-0.39%(5.0)2.98%
APCO Employees Credit Union-0.24%(4.5)1.63%
Avadian Credit Union-0.20%(4.5)1.70%
Trustmark National Bank-0.19%(4.5)2.68%
Liberty Mortgage Corporation-0.15%(4.0)0.71%
Guaranty Home Mortgage Corporation-0.14%(4.0)1.09%
First Federal Bank-0.12%(4.0)0.77%
FBC Mortgage-0.11%(4.0)0.82%
Village Capital-0.10%(4.0)0.62%
Truist Bank-0.10%(4.0)0.98%
Renasant Bank-0.09%(4.0)4.02%
Ameris Bank-0.09%(4.0)0.69%
Stockton Mortgage-0.09%(4.0)0.43%
Home Point Financial Corporation-0.09%(4.0)1.63%
MortgageRight-0.09%(4.0)1.81%
Progress Bank and Trust-0.08%(4.0)0.42%
USAA-0.08%(4.0)0.77%
Amerisave Mortgage Corporation-0.07%(4.0)1.01%
Triumph Bank-0.07%(4.0)0.38%
Synovus Bank-0.07%(4.0)0.56%
Mortgage Investors Group-0.07%(4.0)0.79%
IBERIABANK-0.06%(4.0)0.87%
ServisFirst Bank-0.05%(4.0)0.71%
RoundPoint Mortgage Servicing Corporation-0.05%(3.5)0.61%
InterLinc Mortgage Services-0.05%(3.5)0.88%
GMFS Mortgage-0.05%(3.5)1.17%
Guild Mortgage Company-0.05%(3.5)1.20%
CB&S Bank-0.04%(3.5)0.10%
Prosperity Home Mortgage LLC-0.04%(3.5)0.42%
loanDepot-0.03%(3.5)3.70%
Cadence Bank-0.03%(3.5)0.21%
NewRez-0.03%(3.5)0.72%
Cardinal Financial Company-0.03%(3.5)0.40%
CenterState Bank-0.03%(3.5)0.43%
Bank of America-0.02%(3.5)0.50%
SunTrust Bank-0.02%(3.5)0.37%
Movement Mortgage-0.02%(3.5)0.75%
Evansville Teachers Federal Credit Union-0.02%(3.5)0.16%
Assurance Financial-0.02%(3.5)1.09%
CMG Financial-0.02%(3.5)0.72%
BancorpSouth Bank-0.02%(3.5)0.67%
FirstBank TN-0.02%(3.5)1.94%
Lakeview Loan Servicing-0.02%(3.5)0.72%
Navy Federal Credit Union-0.01%(3.5)0.22%
Northpointe Bank-0.01%(3.5)0.56%
Keller Mortgage-0.01%(3.5)0.11%
Finance of America Mortgage-0.01%(3.5)0.13%
US Bank-0.01%(3.5)0.69%
Caliber Home Loans-0.00%(3.5)1.57%
Carrington Mortgage Services-0.00%(3.5)1.71%
Goldwater Bank0.00%(3.5)0.26%
BBVA0.00%(3.5)2.05%
Bank of England AR0.01%(3.5)0.19%
State Farm Bank0.01%(3.5)0.29%
HomeTrust Mortgage Company0.01%(3.5)0.10%
PennyMac Loan Services0.01%(3.5)1.31%
LeaderOne Financial Corporation0.01%(3.5)0.19%
JPMorgan Chase Bank0.02%(3.5)1.19%
Bank of Little Rock0.02%(3.5)0.53%
New American Funding0.02%(3.5)0.16%
HomeBridge Financial Services0.02%(3.5)0.53%
Academy Mortgage Corporation Utah0.03%(3.5)0.13%
SouthPoint Bank0.03%(3.5)0.59%
Supreme Lending0.03%(3.5)0.22%
SecurityNational Mortgage Company0.03%(3.5)0.05%
Southwest Funding0.03%(3.5)0.11%
Gold Star Mortgage Financial Group0.04%(3.5)0.05%
PNC Bank0.04%(3.5)1.14%
Fairway Independent Mortgage Corporation0.04%(3.5)3.59%
Flagstar Bank0.05%(3.0)0.50%
Benchmark0.07%(3.0)0.18%
Reliance First Capital0.08%(3.0)0.77%
Vanderbilt Mortgage0.08%(3.0)0.74%
Wells Fargo Bank0.09%(3.0)2.48%
Quicken Loans0.09%(3.0)15.69%
Hometown Lenders0.10%(3.0)1.07%
Hamilton Mortgage Corporation0.11%(3.0)0.40%
Regions Bank0.12%(3.0)11.26%
iServe Residential Lending0.13%(3.0)0.54%
Freedom Mortgage Corporation0.17%(2.5)1.17%
Mr. Cooper0.24%(2.5)2.10%
NewDay USA0.39%(1.5)0.61%
Lender NameRate DifferenceRate RatingMarket Share
America’s First Federal Credit Union-0.33%(5.0)1.75%
Trustmark National Bank-0.18%(4.5)3.24%
Avadian Credit Union-0.17%(4.5)1.74%
CB&S Bank-0.16%(4.5)0.31%
DHI Mortgage Company Limited-0.16%(4.5)1.06%
Cadence Bank-0.15%(4.5)0.99%
First Federal Bank-0.14%(4.0)0.91%
MortgageRight-0.13%(4.0)1.57%
APCO Employees Credit Union-0.13%(4.0)1.41%
Prosperity Home Mortgage LLC-0.12%(4.0)2.71%
Truist Bank-0.11%(4.0)0.87%
Bank of America-0.10%(4.0)0.65%
Keller Mortgage-0.10%(4.0)0.65%
GMFS Mortgage-0.10%(4.0)1.55%
Liberty Mortgage Corporation-0.09%(4.0)0.56%
Amerisave Mortgage Corporation-0.08%(4.0)0.44%
Progress Bank and Trust-0.08%(4.0)0.34%
Stockton Mortgage-0.07%(4.0)0.31%
Renasant Bank-0.07%(4.0)4.95%
Mortgage Investors Group-0.06%(4.0)0.60%
loanDepot-0.06%(4.0)1.67%
Triumph Bank-0.06%(4.0)0.31%
Guaranty Home Mortgage Corporation-0.05%(3.5)1.10%
InterLinc Mortgage Services-0.05%(3.5)1.65%
FBC Mortgage-0.05%(3.5)1.34%
Ameris Bank-0.05%(3.5)0.83%
SunTrust Bank-0.04%(3.5)0.43%
RoundPoint Mortgage Servicing Corporation-0.04%(3.5)0.27%
NewRez-0.03%(3.5)0.26%
CenterState Bank-0.03%(3.5)0.60%
Synovus Bank-0.02%(3.5)0.76%
FirstBank TN-0.02%(3.5)3.83%
JPMorgan Chase Bank-0.02%(3.5)0.77%
HomeTrust Mortgage Company-0.02%(3.5)0.22%
Wells Fargo Bank-0.02%(3.5)3.54%
Home Point Financial Corporation-0.01%(3.5)0.79%
Bank of England AR-0.01%(3.5)0.51%
IBERIABANK-0.01%(3.5)1.04%
Fairway Independent Mortgage Corporation-0.00%(3.5)8.28%
US Bank-0.00%(3.5)0.32%
Cardinal Financial Company-0.00%(3.5)0.17%
SouthPoint Bank-0.00%(3.5)1.19%
LeaderOne Financial Corporation0.00%(3.5)0.16%
Evansville Teachers Federal Credit Union0.01%(3.5)0.11%
CMG Financial0.01%(3.5)0.21%
HomeBridge Financial Services0.01%(3.5)0.36%
State Farm Bank0.02%(3.5)0.27%
Carrington Mortgage Services0.02%(3.5)0.15%
Regions Bank0.03%(3.5)11.56%
PNC Bank0.03%(3.5)0.70%
Lakeview Loan Servicing0.03%(3.5)0.05%
Bank of Little Rock0.03%(3.5)0.61%
ServisFirst Bank0.04%(3.5)1.31%
BBVA0.04%(3.5)2.31%
USAA0.04%(3.5)0.71%
Flagstar Bank0.04%(3.5)0.45%
Southwest Funding0.05%(3.5)0.13%
Guild Mortgage Company0.05%(3.5)2.48%
Caliber Home Loans0.05%(3.5)1.24%
Hamilton Mortgage Corporation0.06%(3.0)0.36%
BancorpSouth Bank0.07%(3.0)1.98%
PennyMac Loan Services0.08%(3.0)0.29%
Goldwater Bank0.08%(3.0)0.21%
Vanderbilt Mortgage0.09%(3.0)0.29%
Academy Mortgage Corporation Utah0.09%(3.0)0.60%
Reliance First Capital0.10%(3.0)0.21%
Assurance Financial0.10%(3.0)1.44%
Supreme Lending0.11%(3.0)0.27%
Benchmark0.11%(3.0)0.27%
New American Funding0.11%(3.0)0.16%
iServe Residential Lending0.12%(3.0)0.08%
Freedom Mortgage Corporation0.14%(3.0)0.37%
Gold Star Mortgage Financial Group0.15%(3.0)0.23%
Quicken Loans0.15%(3.0)7.28%
Movement Mortgage0.17%(2.5)2.30%
Hometown Lenders0.20%(2.5)0.92%
Northpointe Bank0.26%(2.0)0.77%
Navy Federal Credit Union0.28%(2.0)0.37%
Mr. Cooper0.30%(2.0)0.69%
Finance of America Mortgage0.39%(1.5)0.61%
SecurityNational Mortgage Company0.44%(1.5)0.69%
Geneva Financial Home Loans0.46%(1.0)0.34%
Lender NameRate DifferenceRate RatingMarket Share
CB&S Bank-0.18%(4.5)0.43%
Trustmark National Bank-0.17%(4.5)3.26%
Cadence Bank-0.16%(4.5)1.45%
MortgageRight-0.16%(4.5)1.35%
DHI Mortgage Company Limited-0.15%(4.5)1.71%
First Federal Bank-0.15%(4.0)0.92%
Bank of America-0.14%(4.0)0.68%
Avadian Credit Union-0.14%(4.0)1.47%
Prosperity Home Mortgage LLC-0.12%(4.0)4.10%
GMFS Mortgage-0.12%(4.0)1.60%
Keller Mortgage-0.10%(4.0)0.95%
Truist Bank-0.10%(4.0)0.78%
JPMorgan Chase Bank-0.08%(4.0)0.41%
Wells Fargo Bank-0.07%(4.0)3.76%
Regions Bank-0.07%(4.0)10.60%
Progress Bank and Trust-0.07%(4.0)0.21%
Mortgage Investors Group-0.07%(4.0)0.34%
Renasant Bank-0.06%(4.0)4.86%
Triumph Bank-0.04%(3.5)0.18%
Stockton Mortgage-0.04%(3.5)0.18%
InterLinc Mortgage Services-0.04%(3.5)2.10%
CenterState Bank-0.04%(3.5)0.60%
SunTrust Bank-0.04%(3.5)0.46%
FirstBank TN-0.02%(3.5)4.80%
loanDepot-0.02%(3.5)1.04%
PNC Bank-0.02%(3.5)0.26%
Synovus Bank-0.02%(3.5)1.13%
LeaderOne Financial Corporation-0.02%(3.5)0.14%
HomeTrust Mortgage Company-0.02%(3.5)0.32%
FBC Mortgage-0.02%(3.5)1.55%
Ameris Bank-0.02%(3.5)0.89%
America’s First Federal Credit Union-0.01%(3.5)0.37%
Hamilton Mortgage Corporation-0.01%(3.5)0.26%
Fairway Independent Mortgage Corporation-0.01%(3.5)10.75%
SouthPoint Bank-0.01%(3.5)1.50%
US Bank-0.01%(3.5)0.12%
Home Point Financial Corporation-0.01%(3.5)0.59%
Liberty Mortgage Corporation-0.01%(3.5)0.35%
Bank of England AR-0.01%(3.5)0.70%
Reliance First Capital-0.01%(3.5)0.01%
HomeBridge Financial Services0.00%(3.5)0.43%
Flagstar Bank0.01%(3.5)0.45%
APCO Employees Credit Union0.01%(3.5)0.92%
Evansville Teachers Federal Credit Union0.02%(3.5)0.11%
State Farm Bank0.02%(3.5)0.20%
Guaranty Home Mortgage Corporation0.02%(3.5)1.00%
NewRez0.02%(3.5)0.03%
Lakeview Loan Servicing0.02%(3.5)0.01%
IBERIABANK0.03%(3.5)1.02%
Bank of Little Rock0.04%(3.5)0.68%
Vanderbilt Mortgage0.04%(3.5)0.08%
PennyMac Loan Services0.04%(3.5)0.11%
Cardinal Financial Company0.05%(3.5)0.12%
RoundPoint Mortgage Servicing Corporation0.05%(3.5)0.03%
Amerisave Mortgage Corporation0.05%(3.0)0.04%
CMG Financial0.05%(3.0)0.11%
Southwest Funding0.06%(3.0)0.18%
Caliber Home Loans0.06%(3.0)1.22%
USAA0.06%(3.0)0.93%
BBVA0.06%(3.0)2.38%
Freedom Mortgage Corporation0.07%(3.0)0.25%
ServisFirst Bank0.07%(3.0)1.52%
Guild Mortgage Company0.07%(3.0)3.28%
BancorpSouth Bank0.08%(3.0)2.67%
Academy Mortgage Corporation Utah0.10%(3.0)0.87%
Mr. Cooper0.11%(3.0)0.17%
Goldwater Bank0.12%(3.0)0.24%
Benchmark0.12%(3.0)0.33%
New American Funding0.13%(3.0)0.24%
Supreme Lending0.14%(3.0)0.30%
Quicken Loans0.15%(2.5)3.22%
Assurance Financial0.16%(2.5)1.50%
Gold Star Mortgage Financial Group0.16%(2.5)0.33%
Movement Mortgage0.21%(2.5)3.13%
Hometown Lenders0.28%(2.0)0.85%
Navy Federal Credit Union0.33%(2.0)0.50%
Northpointe Bank0.36%(1.5)0.88%
Finance of America Mortgage0.43%(1.5)0.89%
SecurityNational Mortgage Company0.46%(1.0)1.08%
Geneva Financial Home Loans0.46%(1.0)0.54%
Lender NameRate DifferenceRate RatingMarket Share
America’s First Federal Credit Union-0.39%(5.0)4.03%
APCO Employees Credit Union-0.23%(4.5)2.21%
Trustmark National Bank-0.21%(4.5)3.20%
Avadian Credit Union-0.21%(4.5)2.19%
Liberty Mortgage Corporation-0.15%(4.5)0.91%
Guaranty Home Mortgage Corporation-0.14%(4.0)1.28%
First Federal Bank-0.13%(4.0)0.89%
Truist Bank-0.12%(4.0)1.04%
FBC Mortgage-0.11%(4.0)1.00%
Ameris Bank-0.10%(4.0)0.74%
Stockton Mortgage-0.10%(4.0)0.52%
MortgageRight-0.10%(4.0)1.93%
Renasant Bank-0.09%(4.0)5.09%
Amerisave Mortgage Corporation-0.09%(4.0)1.10%
loanDepot-0.09%(4.0)2.71%
Progress Bank and Trust-0.08%(4.0)0.54%
IBERIABANK-0.07%(4.0)1.06%
Triumph Bank-0.07%(4.0)0.52%
Mortgage Investors Group-0.07%(4.0)1.04%
InterLinc Mortgage Services-0.06%(4.0)0.91%
Guild Mortgage Company-0.06%(4.0)1.15%
Prosperity Home Mortgage LLC-0.05%(4.0)0.41%
RoundPoint Mortgage Servicing Corporation-0.05%(3.5)0.67%
ServisFirst Bank-0.05%(3.5)0.95%
GMFS Mortgage-0.05%(3.5)1.45%
CB&S Bank-0.05%(3.5)0.11%
Cardinal Financial Company-0.05%(3.5)0.26%
NewRez-0.04%(3.5)0.65%
SunTrust Bank-0.04%(3.5)0.39%
USAA-0.04%(3.5)0.35%
Cadence Bank-0.04%(3.5)0.24%
Synovus Bank-0.03%(3.5)0.15%
Bank of America-0.02%(3.5)0.61%
CenterState Bank-0.02%(3.5)0.58%
Assurance Financial-0.02%(3.5)1.34%
Movement Mortgage-0.02%(3.5)0.93%
Home Point Financial Corporation-0.02%(3.5)1.13%
BancorpSouth Bank-0.02%(3.5)0.84%
CMG Financial-0.01%(3.5)0.39%
Evansville Teachers Federal Credit Union-0.01%(3.5)0.11%
FirstBank TN-0.01%(3.5)2.23%
Northpointe Bank-0.01%(3.5)0.58%
US Bank-0.01%(3.5)0.65%
New American Funding-0.01%(3.5)0.04%
Keller Mortgage-0.01%(3.5)0.15%
Finance of America Mortgage-0.01%(3.5)0.15%
BBVA0.00%(3.5)2.19%
Goldwater Bank0.01%(3.5)0.17%
JPMorgan Chase Bank0.01%(3.5)1.36%
State Farm Bank0.01%(3.5)0.39%
Bank of England AR0.01%(3.5)0.19%
Southwest Funding0.01%(3.5)0.04%
Carrington Mortgage Services0.01%(3.5)0.39%
LeaderOne Financial Corporation0.02%(3.5)0.17%
HomeTrust Mortgage Company0.03%(3.5)0.06%
Lakeview Loan Servicing0.03%(3.5)0.11%
Academy Mortgage Corporation Utah0.03%(3.5)0.15%
Bank of Little Rock0.03%(3.5)0.50%
SecurityNational Mortgage Company0.04%(3.5)0.06%
Gold Star Mortgage Financial Group0.04%(3.5)0.06%
Caliber Home Loans0.04%(3.5)1.28%
Navy Federal Credit Union0.04%(3.5)0.15%
SouthPoint Bank0.04%(3.5)0.67%
Supreme Lending0.04%(3.5)0.22%
PNC Bank0.04%(3.5)1.43%
Fairway Independent Mortgage Corporation0.04%(3.5)4.22%
HomeBridge Financial Services0.05%(3.0)0.24%
Vanderbilt Mortgage0.09%(3.0)0.65%
PennyMac Loan Services0.09%(3.0)0.58%
Reliance First Capital0.09%(3.0)0.54%
Flagstar Bank0.09%(3.0)0.45%
Hometown Lenders0.10%(3.0)1.02%
Wells Fargo Bank0.10%(3.0)3.18%
Benchmark0.10%(3.0)0.17%
iServe Residential Lending0.11%(3.0)0.22%
Hamilton Mortgage Corporation0.11%(3.0)0.52%
Quicken Loans0.14%(3.0)13.96%
Regions Bank0.16%(2.5)13.14%
Freedom Mortgage Corporation0.19%(2.5)0.56%
Mr. Cooper0.33%(2.0)1.54%
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank-0.28%(5.0)1.72%
Renasant Bank-0.24%(4.5)2.23%
Regions Bank-0.22%(4.5)2.52%
BancorpSouth Bank-0.21%(4.5)1.75%
Home Point Financial Corporation-0.20%(4.5)2.35%
SouthPoint Bank-0.19%(4.5)1.86%
First Federal Bank-0.19%(4.5)0.89%
Ameris Bank-0.15%(4.0)1.60%
MortgageRight-0.14%(4.0)1.86%
Guaranty Home Mortgage Corporation-0.13%(4.0)1.00%
CB&S Bank-0.12%(4.0)0.31%
Village Capital-0.11%(4.0)0.74%
FBC Mortgage-0.11%(4.0)2.58%
BBVA-0.09%(4.0)1.00%
Prosperity Home Mortgage LLC-0.08%(4.0)3.41%
DHI Mortgage Company Limited-0.08%(4.0)2.86%
Flagstar Bank-0.08%(4.0)1.14%
Bank of Little Rock-0.07%(4.0)1.03%
FirstBank TN-0.07%(4.0)4.32%
Keller Mortgage-0.07%(4.0)0.26%
Avadian Credit Union-0.06%(4.0)0.29%
Fairway Independent Mortgage Corporation-0.05%(3.5)4.78%
CMG Financial-0.04%(3.5)0.63%
GMFS Mortgage-0.04%(3.5)0.60%
Cadence Bank-0.04%(3.5)0.20%
PNC Bank-0.03%(3.5)0.09%
IBERIABANK-0.03%(3.5)0.34%
CenterState Bank-0.03%(3.5)0.06%
Mortgage Investors Group-0.03%(3.5)0.26%
HomeTrust Mortgage Company-0.03%(3.5)0.46%
ServisFirst Bank-0.02%(3.5)0.37%
Bank of England AR-0.02%(3.5)0.66%
Navy Federal Credit Union-0.02%(3.5)0.06%
RoundPoint Mortgage Servicing Corporation-0.02%(3.5)0.09%
Quicken Loans-0.02%(3.5)8.96%
Carrington Mortgage Services-0.01%(3.5)2.09%
Liberty Mortgage Corporation-0.01%(3.5)0.26%
Progress Bank and Trust-0.01%(3.5)0.17%
Stockton Mortgage-0.01%(3.5)0.52%
Truist Bank-0.01%(3.5)0.03%
NewRez-0.01%(3.5)0.31%
PennyMac Loan Services0.00%(3.5)0.72%
JPMorgan Chase Bank0.00%(3.5)0.03%
US Bank0.00%(3.5)0.03%
Amerisave Mortgage Corporation0.01%(3.5)0.20%
Wells Fargo Bank0.01%(3.5)0.06%
Caliber Home Loans0.01%(3.5)1.37%
Goldwater Bank0.02%(3.5)0.37%
Lakeview Loan Servicing0.02%(3.5)0.60%
Evansville Teachers Federal Credit Union0.02%(3.5)0.94%
Supreme Lending0.02%(3.5)0.54%
Hamilton Mortgage Corporation0.03%(3.5)0.11%
Cardinal Financial Company0.03%(3.5)0.54%
Vanderbilt Mortgage0.03%(3.5)1.23%
Benchmark0.03%(3.5)0.23%
Freedom Mortgage Corporation0.03%(3.5)1.55%
InterLinc Mortgage Services0.04%(3.5)2.92%
Academy Mortgage Corporation Utah0.04%(3.5)1.09%
Assurance Financial0.04%(3.5)1.63%
Movement Mortgage0.05%(3.5)3.61%
New American Funding0.05%(3.5)0.40%
HomeBridge Financial Services0.05%(3.5)1.29%
Reliance First Capital0.07%(3.0)0.46%
Gold Star Mortgage Financial Group0.09%(3.0)0.29%
Northpointe Bank0.11%(3.0)3.18%
Mr. Cooper0.12%(3.0)2.38%
Guild Mortgage Company0.13%(3.0)3.32%
iServe Residential Lending0.13%(3.0)0.66%
Finance of America Mortgage0.15%(3.0)0.94%
LeaderOne Financial Corporation0.17%(2.5)0.63%
loanDepot0.21%(2.5)5.32%
Southwest Funding0.31%(2.0)2.12%
Hometown Lenders0.38%(1.5)4.61%
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank-0.31%(5.0)2.04%
Regions Bank-0.25%(4.5)2.89%
Renasant Bank-0.24%(4.5)2.82%
BancorpSouth Bank-0.22%(4.5)2.15%
First Federal Bank-0.22%(4.5)1.00%
Home Point Financial Corporation-0.20%(4.5)1.89%
SouthPoint Bank-0.20%(4.5)2.26%
MortgageRight-0.16%(4.5)2.04%
Ameris Bank-0.16%(4.5)1.93%
Guaranty Home Mortgage Corporation-0.14%(4.0)1.04%
CB&S Bank-0.13%(4.0)0.37%
FBC Mortgage-0.12%(4.0)3.19%
BBVA-0.10%(4.0)1.22%
Flagstar Bank-0.09%(4.0)1.30%
Prosperity Home Mortgage LLC-0.09%(4.0)4.34%
Bank of Little Rock-0.09%(4.0)1.15%
DHI Mortgage Company Limited-0.08%(4.0)3.71%
Avadian Credit Union-0.07%(4.0)0.30%
FirstBank TN-0.07%(4.0)5.38%
Keller Mortgage-0.07%(4.0)0.33%
Fairway Independent Mortgage Corporation-0.06%(4.0)5.68%
GMFS Mortgage-0.05%(4.0)0.63%
Cadence Bank-0.04%(3.5)0.26%
PNC Bank-0.04%(3.5)0.11%
IBERIABANK-0.03%(3.5)0.45%
PennyMac Loan Services-0.03%(3.5)0.22%
Mortgage Investors Group-0.03%(3.5)0.30%
CenterState Bank-0.03%(3.5)0.07%
HomeTrust Mortgage Company-0.03%(3.5)0.48%
ServisFirst Bank-0.03%(3.5)0.48%
Bank of England AR-0.02%(3.5)0.85%
Navy Federal Credit Union-0.02%(3.5)0.07%
CMG Financial-0.01%(3.5)0.11%
NewRez-0.01%(3.5)0.04%
Stockton Mortgage-0.01%(3.5)0.56%
Liberty Mortgage Corporation-0.01%(3.5)0.26%
Progress Bank and Trust-0.01%(3.5)0.19%
Truist Bank-0.01%(3.5)0.04%
Freedom Mortgage Corporation0.00%(3.5)1.30%
Amerisave Mortgage Corporation0.01%(3.5)0.04%
Wells Fargo Bank0.01%(3.5)0.07%
Vanderbilt Mortgage0.01%(3.5)1.15%
Quicken Loans0.02%(3.5)3.27%
Supreme Lending0.02%(3.5)0.63%
Evansville Teachers Federal Credit Union0.03%(3.5)1.11%
Benchmark0.03%(3.5)0.26%
Goldwater Bank0.03%(3.5)0.37%
Hamilton Mortgage Corporation0.03%(3.5)0.11%
Caliber Home Loans0.04%(3.5)1.11%
Academy Mortgage Corporation Utah0.04%(3.5)1.37%
Assurance Financial0.04%(3.5)1.97%
InterLinc Mortgage Services0.04%(3.5)3.49%
Movement Mortgage0.05%(3.5)4.56%
HomeBridge Financial Services0.06%(3.0)1.37%
New American Funding0.07%(3.0)0.30%
Carrington Mortgage Services0.07%(3.0)0.45%
Cardinal Financial Company0.08%(3.0)0.33%
Gold Star Mortgage Financial Group0.09%(3.0)0.37%
Mr. Cooper0.10%(3.0)1.26%
Northpointe Bank0.12%(3.0)3.97%
Guild Mortgage Company0.15%(3.0)3.82%
Finance of America Mortgage0.15%(2.5)1.19%
LeaderOne Financial Corporation0.20%(2.5)0.71%
loanDepot0.25%(2.5)5.27%
Southwest Funding0.33%(2.0)2.56%
Hometown Lenders0.41%(1.5)5.42%
Lender NameRate DifferenceRate RatingMarket Share
Home Point Financial Corporation-0.18%(4.5)3.88%
Village Capital-0.11%(4.0)3.25%
Guaranty Home Mortgage Corporation-0.06%(4.0)0.88%
Trustmark National Bank-0.04%(3.5)0.63%
MortgageRight-0.04%(3.5)1.25%
CMG Financial-0.04%(3.5)2.38%
SouthPoint Bank-0.04%(3.5)0.50%
Regions Bank-0.03%(3.5)1.25%
Ameris Bank-0.03%(3.5)0.50%
Goldwater Bank-0.03%(3.5)0.38%
Quicken Loans-0.03%(3.5)28.16%
Caliber Home Loans-0.03%(3.5)2.25%
Carrington Mortgage Services-0.03%(3.5)7.63%
FirstBank TN-0.03%(3.5)0.75%
Evansville Teachers Federal Credit Union-0.02%(3.5)0.38%
Liberty Mortgage Corporation-0.02%(3.5)0.25%
BancorpSouth Bank-0.02%(3.5)0.38%
Movement Mortgage-0.02%(3.5)0.38%
Cardinal Financial Company-0.02%(3.5)1.25%
RoundPoint Mortgage Servicing Corporation-0.02%(3.5)0.38%
CB&S Bank-0.02%(3.5)0.13%
Prosperity Home Mortgage LLC-0.01%(3.5)0.25%
Progress Bank and Trust-0.01%(3.5)0.13%
Mortgage Investors Group-0.01%(3.5)0.13%
HomeTrust Mortgage Company-0.01%(3.5)0.38%
Bank of Little Rock-0.01%(3.5)0.63%
Flagstar Bank-0.01%(3.5)0.63%
First Federal Bank-0.01%(3.5)0.50%
Avadian Credit Union-0.01%(3.5)0.25%
LeaderOne Financial Corporation-0.00%(3.5)0.38%
Guild Mortgage Company-0.00%(3.5)1.63%
NewRez-0.00%(3.5)1.25%
Renasant Bank-0.00%(3.5)0.25%
HomeBridge Financial Services-0.00%(3.5)1.00%
Finance of America Mortgage0.00%(3.5)0.13%
Northpointe Bank0.00%(3.5)0.50%
Academy Mortgage Corporation Utah0.00%(3.5)0.13%
GMFS Mortgage0.01%(3.5)0.50%
JPMorgan Chase Bank0.01%(3.5)0.13%
US Bank0.01%(3.5)0.13%
Stockton Mortgage0.01%(3.5)0.38%
Amerisave Mortgage Corporation0.01%(3.5)0.75%
Supreme Lending0.01%(3.5)0.25%
InterLinc Mortgage Services0.01%(3.5)1.00%
FBC Mortgage0.01%(3.5)0.50%
Hamilton Mortgage Corporation0.01%(3.5)0.13%
PennyMac Loan Services0.01%(3.5)2.38%
Benchmark0.02%(3.5)0.13%
Lakeview Loan Servicing0.02%(3.5)2.63%
New American Funding0.02%(3.5)0.75%
Assurance Financial0.03%(3.5)0.50%
BBVA0.04%(3.5)0.25%
Southwest Funding0.04%(3.5)0.63%
Fairway Independent Mortgage Corporation0.04%(3.5)1.75%
loanDepot0.06%(3.0)5.51%
Vanderbilt Mortgage0.08%(3.0)1.50%
Reliance First Capital0.08%(3.0)2.00%
Freedom Mortgage Corporation0.08%(3.0)2.38%
Hometown Lenders0.13%(3.0)1.88%
iServe Residential Lending0.14%(3.0)2.88%
Mr. Cooper0.14%(3.0)6.13%
Lender NameRate DifferenceRate RatingMarket Share
Regions Bank-0.08%(4.0)33.04%
Synovus Bank-0.04%(3.5)12.68%
Wells Fargo Bank0.01%(3.5)5.71%
Bank of America0.02%(3.5)1.96%
Prosperity Home Mortgage LLC0.03%(3.5)1.61%
Truist Bank0.03%(3.5)3.21%
US Bank0.03%(3.5)2.86%
State Farm Bank0.03%(3.5)0.54%
FBC Mortgage0.04%(3.5)0.18%
PNC Bank0.04%(3.5)1.07%
MortgageRight0.04%(3.5)0.71%
Navy Federal Credit Union0.04%(3.5)0.18%
Guaranty Home Mortgage Corporation0.05%(3.5)0.18%
Bank of Little Rock0.05%(3.5)0.18%
Cardinal Financial Company0.05%(3.5)0.54%
Ameris Bank0.05%(3.0)0.36%
CenterState Bank0.05%(3.0)0.36%
BBVA0.05%(3.0)8.39%
Movement Mortgage0.05%(3.0)0.54%
loanDepot0.05%(3.0)0.54%
Home Point Financial Corporation0.06%(3.0)0.18%
Flagstar Bank0.06%(3.0)0.36%
SouthPoint Bank0.06%(3.0)0.18%
Avadian Credit Union0.06%(3.0)0.18%
Goldwater Bank0.06%(3.0)0.18%
FirstBank TN0.06%(3.0)0.36%
Renasant Bank0.06%(3.0)2.14%
Vanderbilt Mortgage0.06%(3.0)0.18%
Cadence Bank0.06%(3.0)0.89%
GMFS Mortgage0.07%(3.0)0.18%
Assurance Financial0.07%(3.0)0.36%
Guild Mortgage Company0.07%(3.0)0.89%
Trustmark National Bank0.07%(3.0)3.04%
Quicken Loans0.07%(3.0)1.79%
IBERIABANK0.08%(3.0)1.61%
Hometown Lenders0.09%(3.0)0.54%
SunTrust Bank0.09%(3.0)3.39%
JPMorgan Chase Bank0.10%(3.0)3.04%
Caliber Home Loans0.10%(3.0)1.25%
Fairway Independent Mortgage Corporation0.12%(3.0)4.46%
Lender NameRate DifferenceRate RatingMarket Share
Regions Bank-0.08%(4.0)32.92%
Synovus Bank-0.03%(3.5)13.48%
Wells Fargo Bank0.01%(3.5)7.84%
US Bank0.02%(3.5)1.88%
Bank of America0.02%(3.5)2.51%
Prosperity Home Mortgage LLC0.03%(3.5)2.51%
Truist Bank0.03%(3.5)1.57%
State Farm Bank0.04%(3.5)0.94%
FBC Mortgage0.04%(3.5)0.31%
PNC Bank0.04%(3.5)0.63%
MortgageRight0.05%(3.5)0.94%
Navy Federal Credit Union0.05%(3.5)0.31%
Guaranty Home Mortgage Corporation0.05%(3.5)0.31%
Movement Mortgage0.05%(3.0)0.63%
BBVA0.05%(3.0)6.90%
Ameris Bank0.05%(3.0)0.31%
CenterState Bank0.05%(3.0)0.63%
Renasant Bank0.06%(3.0)1.25%
Home Point Financial Corporation0.06%(3.0)0.31%
Flagstar Bank0.06%(3.0)0.63%
Goldwater Bank0.06%(3.0)0.31%
Cadence Bank0.07%(3.0)0.94%
Vanderbilt Mortgage0.07%(3.0)0.31%
JPMorgan Chase Bank0.07%(3.0)2.19%
GMFS Mortgage0.07%(3.0)0.31%
Guild Mortgage Company0.07%(3.0)1.25%
FirstBank TN0.08%(3.0)0.31%
IBERIABANK0.08%(3.0)1.25%
loanDepot0.08%(3.0)0.31%
Trustmark National Bank0.08%(3.0)3.13%
Assurance Financial0.08%(3.0)0.31%
Quicken Loans0.09%(3.0)1.25%
SunTrust Bank0.09%(3.0)4.39%
Caliber Home Loans0.13%(3.0)1.25%
Fairway Independent Mortgage Corporation0.14%(3.0)5.64%
Lender NameRate DifferenceRate RatingMarket Share
Regions Bank-0.08%(4.0)33.20%
Synovus Bank-0.05%(3.5)11.62%
Truist Bank0.02%(3.5)5.39%
US Bank0.03%(3.5)4.15%
PNC Bank0.04%(3.5)1.66%
Prosperity Home Mortgage LLC0.04%(3.5)0.41%
MortgageRight0.04%(3.5)0.41%
loanDepot0.04%(3.5)0.83%
Bank of Little Rock0.04%(3.5)0.41%
Cardinal Financial Company0.04%(3.5)1.24%
FirstBank TN0.04%(3.5)0.41%
Bank of America0.04%(3.5)1.24%
Ameris Bank0.04%(3.5)0.41%
BBVA0.05%(3.5)10.37%
SouthPoint Bank0.05%(3.0)0.41%
Wells Fargo Bank0.05%(3.0)2.90%
Avadian Credit Union0.05%(3.0)0.41%
Assurance Financial0.05%(3.0)0.41%
Movement Mortgage0.06%(3.0)0.41%
Renasant Bank0.06%(3.0)3.32%
Trustmark National Bank0.06%(3.0)2.90%
Cadence Bank0.06%(3.0)0.83%
Quicken Loans0.06%(3.0)2.49%
Guild Mortgage Company0.07%(3.0)0.41%
Caliber Home Loans0.07%(3.0)1.24%
Fairway Independent Mortgage Corporation0.08%(3.0)2.90%
IBERIABANK0.08%(3.0)2.07%
Hometown Lenders0.08%(3.0)1.24%
SunTrust Bank0.09%(3.0)2.07%
JPMorgan Chase Bank0.12%(3.0)4.15%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.24%(4.5)4.27%
Regions Bank-0.16%(4.5)3.10%
Village Capital-0.11%(4.0)0.89%
Home Point Financial Corporation-0.09%(4.0)2.13%
Lakeview Loan Servicing-0.09%(4.0)1.31%
Prosperity Home Mortgage LLC-0.08%(4.0)3.65%
CB&S Bank-0.08%(4.0)0.41%
DHI Mortgage Company Limited-0.08%(4.0)1.86%
Trustmark National Bank-0.07%(4.0)1.58%
MortgageRight-0.07%(4.0)2.68%
FirstBank TN-0.05%(4.0)3.51%
BancorpSouth Bank-0.05%(3.5)0.62%
USAA-0.05%(3.5)8.40%
PennyMac Loan Services-0.04%(3.5)2.82%
FBC Mortgage-0.04%(3.5)1.24%
RoundPoint Mortgage Servicing Corporation-0.04%(3.5)0.28%
Caliber Home Loans-0.04%(3.5)2.27%
Renasant Bank-0.04%(3.5)1.93%
Keller Mortgage-0.03%(3.5)0.14%
Wells Fargo Bank-0.03%(3.5)1.31%
IBERIABANK-0.02%(3.5)0.14%
Fairway Independent Mortgage Corporation-0.02%(3.5)4.68%
PNC Bank-0.02%(3.5)0.21%
Ameris Bank-0.01%(3.5)0.62%
GMFS Mortgage-0.01%(3.5)0.55%
US Bank-0.01%(3.5)0.34%
Avadian Credit Union-0.01%(3.5)0.34%
Evansville Teachers Federal Credit Union-0.01%(3.5)0.28%
Hamilton Mortgage Corporation-0.01%(3.5)0.28%
Bank of America-0.01%(3.5)0.07%
Guaranty Home Mortgage Corporation-0.00%(3.5)1.10%
BBVA-0.00%(3.5)0.21%
Bank of England AR-0.00%(3.5)0.76%
Liberty Mortgage Corporation0.00%(3.5)0.14%
Cadence Bank0.00%(3.5)0.07%
Triumph Bank0.00%(3.5)0.07%
Bank of Little Rock0.00%(3.5)0.89%
iServe Residential Lending0.00%(3.5)0.07%
HomeTrust Mortgage Company0.00%(3.5)0.28%
Truist Bank0.00%(3.5)0.21%
Cardinal Financial Company0.00%(3.5)0.21%
ServisFirst Bank0.01%(3.5)0.14%
First Federal Bank0.01%(3.5)0.41%
Amerisave Mortgage Corporation0.01%(3.5)0.41%
HomeBridge Financial Services0.01%(3.5)1.17%
CMG Financial0.01%(3.5)0.62%
SouthPoint Bank0.01%(3.5)0.96%
New American Funding0.01%(3.5)0.28%
Flagstar Bank0.01%(3.5)0.96%
NewRez0.02%(3.5)0.34%
Finance of America Mortgage0.02%(3.5)0.34%
Vanderbilt Mortgage0.02%(3.5)0.76%
LeaderOne Financial Corporation0.02%(3.5)0.28%
Northpointe Bank0.02%(3.5)0.76%
Reliance First Capital0.03%(3.5)0.48%
Supreme Lending0.03%(3.5)0.48%
Goldwater Bank0.03%(3.5)0.69%
InterLinc Mortgage Services0.03%(3.5)1.51%
Assurance Financial0.03%(3.5)1.24%
Stockton Mortgage0.03%(3.5)0.07%
Movement Mortgage0.03%(3.5)0.69%
Gold Star Mortgage Financial Group0.04%(3.5)0.21%
Carrington Mortgage Services0.04%(3.5)2.20%
Guild Mortgage Company0.06%(3.0)1.93%
Mr. Cooper0.06%(3.0)1.45%
loanDepot0.08%(3.0)6.68%
Quicken Loans0.08%(3.0)9.22%
Southwest Funding0.10%(3.0)0.55%
Academy Mortgage Corporation Utah0.11%(3.0)0.96%
Benchmark0.11%(3.0)1.10%
Freedom Mortgage Corporation0.15%(3.0)2.75%
Hometown Lenders0.15%(2.5)1.72%
NewDay USA0.37%(1.5)2.75%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.24%(4.5)6.31%
Regions Bank-0.18%(4.5)4.47%
Prosperity Home Mortgage LLC-0.07%(4.0)5.62%
CB&S Bank-0.06%(4.0)0.69%
MortgageRight-0.06%(4.0)2.98%
DHI Mortgage Company Limited-0.06%(4.0)3.10%
Trustmark National Bank-0.06%(4.0)1.83%
FirstBank TN-0.03%(3.5)4.59%
BancorpSouth Bank-0.03%(3.5)1.03%
FBC Mortgage-0.02%(3.5)1.95%
Renasant Bank-0.02%(3.5)2.52%
Home Point Financial Corporation-0.02%(3.5)1.38%
Keller Mortgage-0.01%(3.5)0.23%
Wells Fargo Bank-0.01%(3.5)2.06%
USAA-0.00%(3.5)10.32%
PNC Bank-0.00%(3.5)0.23%
IBERIABANK0.00%(3.5)0.23%
US Bank0.00%(3.5)0.34%
Fairway Independent Mortgage Corporation0.00%(3.5)6.88%
Avadian Credit Union0.01%(3.5)0.34%
GMFS Mortgage0.01%(3.5)0.69%
CMG Financial0.01%(3.5)0.11%
Hamilton Mortgage Corporation0.02%(3.5)0.46%
Bank of America0.02%(3.5)0.11%
Freedom Mortgage Corporation0.02%(3.5)1.38%
BBVA0.02%(3.5)0.34%
Guaranty Home Mortgage Corporation0.02%(3.5)1.61%
Ameris Bank0.02%(3.5)0.57%
Liberty Mortgage Corporation0.02%(3.5)0.23%
Cadence Bank0.02%(3.5)0.11%
Triumph Bank0.02%(3.5)0.11%
Bank of England AR0.02%(3.5)0.92%
HomeTrust Mortgage Company0.02%(3.5)0.46%
Truist Bank0.02%(3.5)0.34%
Cardinal Financial Company0.03%(3.5)0.34%
ServisFirst Bank0.03%(3.5)0.23%
Mr. Cooper0.03%(3.5)1.15%
First Federal Bank0.03%(3.5)0.34%
SouthPoint Bank0.04%(3.5)1.49%
Bank of Little Rock0.04%(3.5)1.03%
New American Funding0.04%(3.5)0.23%
HomeBridge Financial Services0.04%(3.5)0.34%
Finance of America Mortgage0.04%(3.5)0.57%
Quicken Loans0.04%(3.5)3.56%
Vanderbilt Mortgage0.04%(3.5)0.80%
PennyMac Loan Services0.04%(3.5)0.57%
Evansville Teachers Federal Credit Union0.05%(3.5)0.23%
LeaderOne Financial Corporation0.05%(3.5)0.34%
Stockton Mortgage0.05%(3.0)0.11%
Movement Mortgage0.05%(3.0)1.15%
Assurance Financial0.06%(3.0)1.95%
Supreme Lending0.06%(3.0)0.57%
InterLinc Mortgage Services0.06%(3.0)1.95%
Gold Star Mortgage Financial Group0.06%(3.0)0.34%
Northpointe Bank0.07%(3.0)0.80%
Caliber Home Loans0.07%(3.0)1.72%
Flagstar Bank0.07%(3.0)1.03%
NewDay USA0.07%(3.0)0.23%
Goldwater Bank0.07%(3.0)0.57%
Carrington Mortgage Services0.09%(3.0)0.46%
Guild Mortgage Company0.12%(3.0)2.29%
Southwest Funding0.12%(3.0)0.92%
Academy Mortgage Corporation Utah0.13%(3.0)1.61%
Benchmark0.15%(3.0)1.61%
Hometown Lenders0.19%(2.5)2.64%
loanDepot0.22%(2.5)4.24%
Lender NameRate DifferenceRate RatingMarket Share
Home Point Financial Corporation-0.16%(4.5)3.27%
Caliber Home Loans-0.14%(4.0)3.10%
Village Capital-0.14%(4.0)2.24%
USAA-0.14%(4.0)5.51%
Lakeview Loan Servicing-0.12%(4.0)3.27%
Navy Federal Credit Union-0.10%(4.0)1.20%
Trustmark National Bank-0.09%(4.0)1.20%
Flagstar Bank-0.08%(4.0)0.86%
PennyMac Loan Services-0.08%(4.0)6.20%
FirstBank TN-0.08%(4.0)1.89%
MortgageRight-0.07%(4.0)2.24%
RoundPoint Mortgage Servicing Corporation-0.07%(4.0)0.69%
Evansville Teachers Federal Credit Union-0.07%(4.0)0.34%
Fairway Independent Mortgage Corporation-0.07%(4.0)1.38%
Ameris Bank-0.06%(4.0)0.69%
Bank of Little Rock-0.06%(4.0)0.69%
Guaranty Home Mortgage Corporation-0.06%(4.0)0.34%
Prosperity Home Mortgage LLC-0.06%(4.0)0.69%
Guild Mortgage Company-0.05%(4.0)1.38%
GMFS Mortgage-0.05%(3.5)0.34%
Northpointe Bank-0.05%(3.5)0.69%
SouthPoint Bank-0.04%(3.5)0.17%
Bank of England AR-0.04%(3.5)0.52%
Renasant Bank-0.04%(3.5)1.03%
Avadian Credit Union-0.04%(3.5)0.34%
PNC Bank-0.04%(3.5)0.17%
LeaderOne Financial Corporation-0.03%(3.5)0.17%
iServe Residential Lending-0.03%(3.5)0.17%
First Federal Bank-0.03%(3.5)0.52%
US Bank-0.03%(3.5)0.34%
Benchmark-0.03%(3.5)0.34%
Assurance Financial-0.03%(3.5)0.17%
loanDepot-0.03%(3.5)10.33%
Goldwater Bank-0.03%(3.5)0.86%
Amerisave Mortgage Corporation-0.03%(3.5)1.03%
HomeBridge Financial Services-0.02%(3.5)2.41%
InterLinc Mortgage Services-0.02%(3.5)0.86%
Wells Fargo Bank-0.02%(3.5)0.17%
Supreme Lending-0.02%(3.5)0.34%
New American Funding-0.02%(3.5)0.34%
Hometown Lenders-0.02%(3.5)0.34%
CMG Financial-0.02%(3.5)1.38%
FBC Mortgage-0.02%(3.5)0.17%
NewRez-0.02%(3.5)0.86%
Vanderbilt Mortgage-0.01%(3.5)0.69%
Reliance First Capital-0.01%(3.5)1.20%
Carrington Mortgage Services0.00%(3.5)4.82%
Regions Bank0.03%(3.5)1.03%
Quicken Loans0.07%(3.0)17.73%
Mr. Cooper0.08%(3.0)1.89%
Freedom Mortgage Corporation0.18%(2.5)4.82%
NewDay USA0.35%(1.5)6.54%

* Data is compiled for the Birmingham, AL commuting zone area, which comprises of counties of Bibb County, AL, Blount County, AL, Chilton County, AL, Jefferson County, AL, St. Clair County, AL, and Shelby County, AL. This includes cities/towns/communities of Birmingham, AL as well as Hoover, AL, Bessemer, AL, Pelham, AL, Hoover, AL, Mountain Brook, AL, Alabaster, AL, Chelsea, AL, Homewood, AL, Gardendale, AL, Helena, AL, Pell City, AL, Montevallo, AL, Pinson, AL, Moody, AL, Argo, AL, Vestavia Hills, AL, Trussville, AL, Trussville, AL, Calera, AL, Clay, AL, Pleasant Grove, AL, Margaret, AL, Clanton, AL, Hueytown, AL, Highland Lakes, AL, Meadowbrook, AL, Springville, AL, Leeds, AL, Hayden, AL, Trafford, AL, Adamsville, AL, Ashville, AL, Westover, AL, Fultondale, AL, County Line, AL, Brookside, AL, Wilsonville, AL, Shelby, AL, Center Point, AL, Warrior, AL, Indian Springs Village, AL, Maytown, AL, Thorsby, AL, Columbiana, AL, Nectar, AL, Vance, AL, Calera, AL, Allgood, AL, Concord, AL, and Oneonta, AL. 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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