Top Mortgage Lenders in San Jose, CA

Which mortgage lender in the San Jose, CA 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 San Jose, CA 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 San Jose, CA area in terms of interest rate is First Republic Bank, with an average “Rate Difference” of -0.26%. This means that, comparing similar borrowers, First Republic Bank provided a -0.26% lower interest rate for its customers than other lenders in the area. First Republic Bank has a market share of 0.6%. On the other hand, the most popular lender in the San Jose, CA area is Quicken Loans, with a larger market share of 16.4%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.05% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the San Jose, CA 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 San Jose, CA is First Republic Bank. 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 Citibank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Quicken Loans. The cheapest VA mortgage provider is loanDepot. 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 San Jose, CA

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
First Republic Bank-0.26%(5.0)0.56%
Santa Clara County Federal Credit Union-0.23%(4.5)0.42%
Star One Credit Union-0.20%(4.5)1.15%
KeyPoint Credit Union-0.19%(4.5)0.37%
Interactive Mortgage-0.18%(4.5)0.27%
LenderFi-0.18%(4.5)0.14%
Provident Credit Union-0.17%(4.5)0.23%
Googain-0.17%(4.5)1.56%
Boston Private-0.16%(4.5)0.23%
Citibank-0.15%(4.5)1.94%
Bank of America-0.15%(4.0)8.10%
Ally Bank-0.14%(4.0)0.44%
loanDepot-0.13%(4.0)2.52%
FirstBank TN-0.11%(4.0)0.16%
Pulte Mortgage LLC-0.11%(4.0)0.46%
OGI Mortgage Bankers-0.09%(4.0)0.52%
Technology Credit Union-0.08%(4.0)0.36%
Provident Funding-0.08%(4.0)2.15%
KBHS Home Loans-0.08%(4.0)0.15%
Stanford Federal Credit Union-0.08%(4.0)0.34%
CashCall Mortgage-0.07%(4.0)0.50%
Home Point Financial Corporation-0.07%(4.0)0.76%
Cherry Creek Mortgage-0.07%(4.0)0.12%
Inspire Home Loans-0.06%(4.0)0.49%
NBKC Bank-0.06%(4.0)0.22%
Morgan Stanley Private Bank-0.06%(4.0)0.22%
General Mortgage Capital Corporation-0.05%(3.5)0.70%
T.J. Financial,ÊInc-0.04%(3.5)0.13%
AimLoan.com-0.04%(3.5)0.11%
Amerisave Mortgage Corporation-0.04%(3.5)0.24%
Wells Fargo Bank-0.04%(3.5)14.13%
Guaranteed Rate Affinity-0.04%(3.5)1.28%
Charles Schwab Bank-0.03%(3.5)0.11%
Guaranteed Rate-0.03%(3.5)0.90%
Watermark Home Loans-0.02%(3.5)0.12%
Prosperity Home Mortgage LLC-0.02%(3.5)0.11%
CEFCU-0.02%(3.5)0.13%
BBVA-0.01%(3.5)0.10%
First Choice Loan Services-0.01%(3.5)0.16%
Planet Home Lending-0.01%(3.5)0.36%
Land Home Financial Services-0.01%(3.5)0.51%
US Bank-0.01%(3.5)1.76%
PNC Bank-0.01%(3.5)0.80%
Golden 1 Credit Union-0.00%(3.5)0.42%
Cardinal Financial Company0.00%(3.5)0.33%
Plaza Home Mortgage0.00%(3.5)0.12%
HSBC Bank USA0.00%(3.5)0.11%
Navy Federal Credit Union0.00%(3.5)0.25%
Pacific Bay Lending Group0.00%(3.5)0.30%
DHI Mortgage Company Limited0.02%(3.5)0.10%
Union Bank0.02%(3.5)0.44%
LoanStream Mortgage0.03%(3.5)0.13%
Patelco Credit Union0.03%(3.5)0.18%
Meriwest Mortgage0.03%(3.5)0.38%
Caliber Home Loans0.04%(3.5)2.32%
JPMorgan Chase Bank0.04%(3.5)4.54%
HomeBridge Financial Services0.05%(3.5)0.24%
Bank in San Ramon0.05%(3.5)0.80%
Quicken Loans0.05%(3.5)16.35%
USAA0.05%(3.5)0.27%
Mason-McDuffie Mortgage Corporation0.05%(3.5)1.40%
Midwest Equity Mortgage0.05%(3.0)0.30%
Fairway Independent Mortgage Corporation0.05%(3.0)0.20%
Summit Mortgage Banker0.06%(3.0)0.14%
Dignified Home Loans0.06%(3.0)0.10%
HighTechLending0.06%(3.0)0.16%
First Technology Credit Union0.07%(3.0)0.14%
Carrington Mortgage Services0.07%(3.0)0.24%
PennyMac Loan Services0.07%(3.0)0.62%
HomeServices Lending0.07%(3.0)0.37%
New American Funding0.07%(3.0)0.49%
Newfi Lending0.07%(3.0)0.13%
Movement Mortgage0.07%(3.0)0.21%
On Q Financial0.08%(3.0)0.15%
Mechanics Bank CA0.08%(3.0)0.14%
PRMG Mortgage0.08%(3.0)0.54%
Freedom Mortgage Corporation0.08%(3.0)0.48%
CMG Financial0.08%(3.0)0.44%
Finance of America Mortgage0.09%(3.0)2.51%
Bay Equity Home Loans0.09%(3.0)0.25%
Synergy One Lending0.09%(3.0)0.57%
MiMutual Mortgage0.09%(3.0)0.38%
CIT Bank0.10%(3.0)0.17%
Stearns Home Loans0.10%(3.0)2.36%
TIAA Bank0.10%(3.0)0.19%
NewRez0.10%(3.0)0.44%
Lakeview Loan Servicing0.10%(3.0)0.12%
Sierra Pacific Mortgage0.10%(3.0)1.33%
JMAC0.10%(3.0)0.52%
Flagstar Bank0.11%(3.0)3.06%
Guild Mortgage Company0.11%(3.0)1.28%
Mountain West Financial0.12%(3.0)0.57%
Premier Lending Inc0.12%(3.0)0.11%
Commerce Home Mortgage0.12%(3.0)0.42%
Benchmark0.12%(3.0)0.13%
LendUS LLC0.15%(3.0)0.50%
Supreme Lending0.15%(3.0)0.27%
Academy Mortgage Corporation Utah0.16%(2.5)0.48%
Mr. Cooper0.16%(2.5)0.76%
PrimeLending0.17%(2.5)0.52%
The Loan Store0.17%(2.5)0.15%
Summit Funding Inc0.18%(2.5)0.99%
American Pacific Mortgage0.18%(2.5)2.06%
Eagle Home Mortgage0.19%(2.5)0.21%
First Savings Bank0.36%(1.5)0.14%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.20%(4.5)8.49%
Boston Private-0.19%(4.5)0.52%
Star One Credit Union-0.13%(4.0)0.89%
Wells Fargo Bank-0.13%(4.0)20.78%
Citibank-0.12%(4.0)2.68%
First Republic Bank-0.11%(4.0)0.58%
Pulte Mortgage LLC-0.09%(4.0)1.32%
KBHS Home Loans-0.06%(4.0)0.43%
Ally Bank-0.05%(4.0)0.38%
Inspire Home Loans-0.05%(4.0)1.42%
Santa Clara County Federal Credit Union-0.04%(3.5)0.11%
Provident Funding-0.04%(3.5)0.73%
US Bank-0.03%(3.5)1.80%
loanDepot-0.03%(3.5)1.58%
Googain-0.02%(3.5)0.84%
Stanford Federal Credit Union-0.02%(3.5)0.38%
Prosperity Home Mortgage LLC-0.01%(3.5)0.20%
Golden 1 Credit Union-0.01%(3.5)0.49%
Bank in San Ramon0.00%(3.5)1.04%
Union Bank0.00%(3.5)0.27%
Home Point Financial Corporation0.00%(3.5)0.46%
Navy Federal Credit Union0.01%(3.5)0.51%
Plaza Home Mortgage0.01%(3.5)0.14%
Technology Credit Union0.01%(3.5)0.12%
First Choice Loan Services0.02%(3.5)0.12%
Amerisave Mortgage Corporation0.02%(3.5)0.03%
Planet Home Lending0.02%(3.5)0.39%
PNC Bank0.02%(3.5)0.79%
AimLoan.com0.02%(3.5)0.03%
BBVA0.02%(3.5)0.13%
HSBC Bank USA0.02%(3.5)0.16%
NBKC Bank0.03%(3.5)0.14%
Guaranteed Rate0.03%(3.5)0.83%
Guaranteed Rate Affinity0.03%(3.5)1.80%
Provident Credit Union0.03%(3.5)0.04%
Cherry Creek Mortgage0.03%(3.5)0.06%
Midwest Equity Mortgage0.03%(3.5)0.24%
Lakeview Loan Servicing0.03%(3.5)0.02%
DHI Mortgage Company Limited0.03%(3.5)0.29%
T.J. Financial,ÊInc0.04%(3.5)0.08%
Watermark Home Loans0.04%(3.5)0.03%
FirstBank TN0.04%(3.5)0.03%
JPMorgan Chase Bank0.04%(3.5)3.85%
HighTechLending0.04%(3.5)0.09%
CEFCU0.04%(3.5)0.02%
First Savings Bank0.05%(3.5)0.02%
Patelco Credit Union0.05%(3.5)0.16%
MiMutual Mortgage0.05%(3.5)0.14%
PennyMac Loan Services0.05%(3.5)0.16%
HomeBridge Financial Services0.05%(3.0)0.13%
Charles Schwab Bank0.05%(3.0)0.05%
Stearns Home Loans0.05%(3.0)3.29%
Meriwest Mortgage0.05%(3.0)0.35%
Dignified Home Loans0.05%(3.0)0.12%
Carrington Mortgage Services0.06%(3.0)0.05%
LoanStream Mortgage0.06%(3.0)0.20%
First Technology Credit Union0.06%(3.0)0.05%
OGI Mortgage Bankers0.06%(3.0)0.40%
KeyPoint Credit Union0.06%(3.0)0.09%
USAA0.06%(3.0)0.36%
Benchmark0.06%(3.0)0.07%
Cardinal Financial Company0.06%(3.0)0.14%
Caliber Home Loans0.07%(3.0)2.38%
Pacific Bay Lending Group0.08%(3.0)0.23%
Mr. Cooper0.08%(3.0)0.20%
Quicken Loans0.08%(3.0)8.50%
Morgan Stanley Private Bank0.08%(3.0)0.17%
New American Funding0.08%(3.0)0.45%
Mechanics Bank CA0.08%(3.0)0.09%
CashCall Mortgage0.08%(3.0)0.03%
Fairway Independent Mortgage Corporation0.08%(3.0)0.19%
Land Home Financial Services0.09%(3.0)0.53%
Bay Equity Home Loans0.09%(3.0)0.31%
The Loan Store0.09%(3.0)0.10%
TIAA Bank0.10%(3.0)0.16%
Finance of America Mortgage0.10%(3.0)2.72%
HomeServices Lending0.10%(3.0)0.77%
Mason-McDuffie Mortgage Corporation0.10%(3.0)2.04%
Freedom Mortgage Corporation0.10%(3.0)0.44%
On Q Financial0.10%(3.0)0.34%
General Mortgage Capital Corporation0.10%(3.0)0.51%
PRMG Mortgage0.11%(3.0)0.60%
CMG Financial0.11%(3.0)0.51%
Movement Mortgage0.11%(3.0)0.24%
Commerce Home Mortgage0.12%(3.0)0.45%
Newfi Lending0.12%(3.0)0.09%
Supreme Lending0.12%(3.0)0.27%
Summit Mortgage Banker0.12%(3.0)0.09%
Mountain West Financial0.13%(3.0)0.75%
Guild Mortgage Company0.13%(3.0)1.49%
NewRez0.13%(3.0)0.31%
Synergy One Lending0.13%(3.0)0.75%
Sierra Pacific Mortgage0.13%(3.0)1.69%
CIT Bank0.14%(3.0)0.12%
Premier Lending Inc0.14%(3.0)0.20%
JMAC0.15%(2.5)0.42%
Flagstar Bank0.16%(2.5)3.48%
PrimeLending0.16%(2.5)0.67%
Summit Funding Inc0.19%(2.5)1.55%
LendUS LLC0.19%(2.5)0.70%
Academy Mortgage Corporation Utah0.20%(2.5)0.81%
American Pacific Mortgage0.20%(2.5)2.97%
Eagle Home Mortgage0.21%(2.5)0.59%
Lender NameRate DifferenceRate RatingMarket Share
First Republic Bank-0.35%(5.0)0.55%
Santa Clara County Federal Credit Union-0.26%(5.0)0.58%
Star One Credit Union-0.23%(4.5)1.29%
KeyPoint Credit Union-0.22%(4.5)0.52%
Googain-0.20%(4.5)1.95%
Interactive Mortgage-0.19%(4.5)0.41%
Provident Credit Union-0.19%(4.5)0.33%
LenderFi-0.19%(4.5)0.21%
Ally Bank-0.18%(4.5)0.47%
Citibank-0.18%(4.5)1.56%
loanDepot-0.17%(4.5)3.01%
OGI Mortgage Bankers-0.14%(4.0)0.59%
FirstBank TN-0.13%(4.0)0.23%
Bank of America-0.12%(4.0)7.90%
Morgan Stanley Private Bank-0.11%(4.0)0.25%
Stanford Federal Credit Union-0.11%(4.0)0.32%
General Mortgage Capital Corporation-0.10%(4.0)0.80%
Technology Credit Union-0.10%(4.0)0.49%
Guaranteed Rate Affinity-0.10%(4.0)1.01%
Home Point Financial Corporation-0.10%(4.0)0.91%
Cherry Creek Mortgage-0.09%(4.0)0.15%
Provident Funding-0.09%(4.0)2.90%
NBKC Bank-0.09%(4.0)0.26%
CashCall Mortgage-0.09%(4.0)0.75%
T.J. Financial,ÊInc-0.07%(4.0)0.16%
Guaranteed Rate-0.06%(4.0)0.94%
Land Home Financial Services-0.06%(4.0)0.50%
AimLoan.com-0.05%(4.0)0.15%
Charles Schwab Bank-0.05%(4.0)0.15%
Amerisave Mortgage Corporation-0.05%(4.0)0.35%
BBVA-0.04%(3.5)0.09%
Watermark Home Loans-0.03%(3.5)0.17%
CEFCU-0.02%(3.5)0.19%
First Choice Loan Services-0.02%(3.5)0.18%
Planet Home Lending-0.02%(3.5)0.35%
Pacific Bay Lending Group-0.02%(3.5)0.34%
PNC Bank-0.02%(3.5)0.80%
Cardinal Financial Company-0.01%(3.5)0.44%
Prosperity Home Mortgage LLC-0.01%(3.5)0.07%
HSBC Bank USA-0.01%(3.5)0.09%
Boston Private-0.01%(3.5)0.08%
Plaza Home Mortgage0.00%(3.5)0.11%
Mason-McDuffie Mortgage Corporation0.01%(3.5)1.07%
DHI Mortgage Company Limited0.01%(3.5)0.01%
Golden 1 Credit Union0.01%(3.5)0.38%
US Bank0.01%(3.5)1.74%
LoanStream Mortgage0.01%(3.5)0.10%
Inspire Home Loans0.01%(3.5)0.01%
Eagle Home Mortgage0.02%(3.5)0.01%
HomeServices Lending0.02%(3.5)0.16%
Caliber Home Loans0.02%(3.5)2.30%
Patelco Credit Union0.02%(3.5)0.20%
Meriwest Mortgage0.02%(3.5)0.39%
Navy Federal Credit Union0.03%(3.5)0.12%
On Q Financial0.03%(3.5)0.05%
Union Bank0.03%(3.5)0.53%
Summit Mortgage Banker0.03%(3.5)0.16%
Quicken Loans0.04%(3.5)20.50%
Fairway Independent Mortgage Corporation0.04%(3.5)0.20%
JPMorgan Chase Bank0.04%(3.5)4.90%
HomeBridge Financial Services0.04%(3.5)0.30%
USAA0.05%(3.5)0.22%
Movement Mortgage0.05%(3.0)0.19%
Wells Fargo Bank0.05%(3.0)10.61%
Midwest Equity Mortgage0.05%(3.0)0.33%
Newfi Lending0.06%(3.0)0.15%
Synergy One Lending0.06%(3.0)0.48%
Carrington Mortgage Services0.06%(3.0)0.34%
First Technology Credit Union0.06%(3.0)0.19%
PennyMac Loan Services0.06%(3.0)0.86%
PRMG Mortgage0.06%(3.0)0.51%
HighTechLending0.06%(3.0)0.20%
Dignified Home Loans0.07%(3.0)0.10%
CMG Financial0.07%(3.0)0.41%
New American Funding0.07%(3.0)0.51%
Freedom Mortgage Corporation0.07%(3.0)0.51%
Mechanics Bank CA0.07%(3.0)0.17%
Flagstar Bank0.07%(3.0)2.83%
CIT Bank0.08%(3.0)0.19%
Finance of America Mortgage0.08%(3.0)2.40%
NewRez0.08%(3.0)0.51%
Sierra Pacific Mortgage0.09%(3.0)1.15%
JMAC0.09%(3.0)0.57%
Bank in San Ramon0.09%(3.0)0.68%
Bay Equity Home Loans0.09%(3.0)0.21%
MiMutual Mortgage0.09%(3.0)0.51%
TIAA Bank0.10%(3.0)0.21%
Lakeview Loan Servicing0.10%(3.0)0.17%
Premier Lending Inc0.10%(3.0)0.06%
Guild Mortgage Company0.10%(3.0)1.17%
Academy Mortgage Corporation Utah0.11%(3.0)0.31%
LendUS LLC0.11%(3.0)0.39%
Mountain West Financial0.12%(3.0)0.47%
Commerce Home Mortgage0.12%(3.0)0.41%
Benchmark0.13%(3.0)0.17%
Stearns Home Loans0.14%(3.0)1.87%
Supreme Lending0.16%(2.5)0.28%
Mr. Cooper0.17%(2.5)1.06%
American Pacific Mortgage0.17%(2.5)1.57%
Summit Funding Inc0.17%(2.5)0.69%
PrimeLending0.18%(2.5)0.44%
The Loan Store0.20%(2.5)0.17%
First Savings Bank0.37%(1.5)0.21%
Lender NameRate DifferenceRate RatingMarket Share
First Republic Bank-0.38%(5.0)0.50%
Star One Credit Union-0.26%(5.0)1.17%
Santa Clara County Federal Credit Union-0.26%(5.0)0.55%
KeyPoint Credit Union-0.24%(4.5)0.43%
Provident Credit Union-0.20%(4.5)0.29%
Interactive Mortgage-0.20%(4.5)0.36%
LenderFi-0.20%(4.5)0.18%
Googain-0.19%(4.5)2.01%
Boston Private-0.18%(4.5)0.31%
Bank of America-0.18%(4.5)5.41%
loanDepot-0.17%(4.5)2.94%
Ally Bank-0.17%(4.5)0.30%
KBHS Home Loans-0.14%(4.0)0.14%
Pulte Mortgage LLC-0.14%(4.0)0.56%
FirstBank TN-0.13%(4.0)0.22%
OGI Mortgage Bankers-0.13%(4.0)0.59%
Stanford Federal Credit Union-0.12%(4.0)0.33%
Inspire Home Loans-0.11%(4.0)0.38%
Home Point Financial Corporation-0.11%(4.0)0.80%
Technology Credit Union-0.10%(4.0)0.46%
CashCall Mortgage-0.09%(4.0)0.66%
Cherry Creek Mortgage-0.09%(4.0)0.14%
Provident Funding-0.09%(4.0)3.00%
Citibank-0.09%(4.0)0.75%
Guaranteed Rate-0.09%(4.0)0.86%
Guaranteed Rate Affinity-0.08%(4.0)1.48%
NBKC Bank-0.08%(4.0)0.28%
T.J. Financial,ÊInc-0.07%(4.0)0.16%
Morgan Stanley Private Bank-0.06%(4.0)0.11%
US Bank-0.06%(4.0)1.47%
AimLoan.com-0.06%(4.0)0.14%
General Mortgage Capital Corporation-0.06%(4.0)0.96%
Amerisave Mortgage Corporation-0.06%(4.0)0.31%
Watermark Home Loans-0.04%(3.5)0.14%
Prosperity Home Mortgage LLC-0.04%(3.5)0.12%
PNC Bank-0.04%(3.5)0.49%
CEFCU-0.03%(3.5)0.16%
HSBC Bank USA-0.03%(3.5)0.07%
First Choice Loan Services-0.03%(3.5)0.19%
Land Home Financial Services-0.02%(3.5)0.58%
Planet Home Lending-0.02%(3.5)0.41%
Golden 1 Credit Union-0.02%(3.5)0.35%
Cardinal Financial Company-0.02%(3.5)0.40%
BBVA-0.01%(3.5)0.02%
Pacific Bay Lending Group-0.01%(3.5)0.40%
Plaza Home Mortgage-0.00%(3.5)0.07%
Wells Fargo Bank0.00%(3.5)9.67%
Charles Schwab Bank0.00%(3.5)0.00%
DHI Mortgage Company Limited0.01%(3.5)0.12%
Bank in San Ramon0.01%(3.5)0.70%
JPMorgan Chase Bank0.01%(3.5)3.96%
Union Bank0.01%(3.5)0.54%
Patelco Credit Union0.02%(3.5)0.17%
Meriwest Mortgage0.02%(3.5)0.40%
Caliber Home Loans0.03%(3.5)2.34%
LoanStream Mortgage0.03%(3.5)0.09%
Carrington Mortgage Services0.03%(3.5)0.10%
CIT Bank0.04%(3.5)0.06%
USAA0.04%(3.5)0.18%
Quicken Loans0.04%(3.5)21.52%
Navy Federal Credit Union0.04%(3.5)0.14%
JMAC0.04%(3.5)0.40%
Mason-McDuffie Mortgage Corporation0.04%(3.5)1.56%
Midwest Equity Mortgage0.05%(3.5)0.33%
Fairway Independent Mortgage Corporation0.05%(3.5)0.20%
HomeBridge Financial Services0.05%(3.5)0.16%
First Technology Credit Union0.05%(3.0)0.14%
HomeServices Lending0.05%(3.0)0.35%
Summit Mortgage Banker0.05%(3.0)0.16%
Dignified Home Loans0.06%(3.0)0.12%
NewRez0.06%(3.0)0.36%
HighTechLending0.06%(3.0)0.17%
New American Funding0.07%(3.0)0.54%
Newfi Lending0.07%(3.0)0.14%
Movement Mortgage0.07%(3.0)0.25%
On Q Financial0.07%(3.0)0.16%
Synergy One Lending0.08%(3.0)0.63%
Mechanics Bank CA0.08%(3.0)0.15%
PRMG Mortgage0.08%(3.0)0.62%
CMG Financial0.08%(3.0)0.40%
Freedom Mortgage Corporation0.08%(3.0)0.46%
Flagstar Bank0.08%(3.0)3.42%
MiMutual Mortgage0.09%(3.0)0.47%
Bay Equity Home Loans0.09%(3.0)0.21%
TIAA Bank0.09%(3.0)0.20%
Finance of America Mortgage0.10%(3.0)2.73%
Sierra Pacific Mortgage0.10%(3.0)1.49%
PennyMac Loan Services0.11%(3.0)0.60%
Commerce Home Mortgage0.12%(3.0)0.41%
Premier Lending Inc0.12%(3.0)0.12%
Guild Mortgage Company0.12%(3.0)1.46%
Mountain West Financial0.12%(3.0)0.68%
Benchmark0.12%(3.0)0.16%
Stearns Home Loans0.13%(3.0)2.34%
LendUS LLC0.15%(2.5)0.55%
Lakeview Loan Servicing0.15%(2.5)0.10%
Academy Mortgage Corporation Utah0.16%(2.5)0.60%
Supreme Lending0.16%(2.5)0.32%
The Loan Store0.16%(2.5)0.21%
American Pacific Mortgage0.18%(2.5)2.16%
PrimeLending0.19%(2.5)0.53%
Eagle Home Mortgage0.19%(2.5)0.24%
Summit Funding Inc0.19%(2.5)1.07%
Mr. Cooper0.19%(2.5)0.77%
First Savings Bank0.37%(1.5)0.19%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.33%(5.0)5.58%
Boston Private-0.21%(4.5)0.92%
First Republic Bank-0.21%(4.5)0.42%
Star One Credit Union-0.20%(4.5)1.07%
Wells Fargo Bank-0.16%(4.5)12.75%
KBHS Home Loans-0.13%(4.0)0.52%
US Bank-0.13%(4.0)1.61%
Pulte Mortgage LLC-0.13%(4.0)2.03%
JPMorgan Chase Bank-0.12%(4.0)3.12%
Ally Bank-0.11%(4.0)0.35%
Inspire Home Loans-0.10%(4.0)1.37%
Citibank-0.09%(4.0)1.17%
Bank in San Ramon-0.09%(4.0)0.97%
loanDepot-0.09%(4.0)2.01%
PNC Bank-0.08%(4.0)0.45%
Santa Clara County Federal Credit Union-0.07%(4.0)0.18%
Stanford Federal Credit Union-0.06%(4.0)0.35%
Provident Funding-0.06%(4.0)1.26%
Prosperity Home Mortgage LLC-0.05%(3.5)0.25%
Googain-0.05%(3.5)1.34%
Golden 1 Credit Union-0.04%(3.5)0.37%
Guaranteed Rate-0.04%(3.5)0.87%
Union Bank-0.02%(3.5)0.40%
Home Point Financial Corporation-0.02%(3.5)0.59%
Guaranteed Rate Affinity-0.02%(3.5)2.43%
First Choice Loan Services-0.02%(3.5)0.15%
Plaza Home Mortgage-0.01%(3.5)0.15%
Technology Credit Union-0.01%(3.5)0.18%
Provident Credit Union-0.01%(3.5)0.03%
HSBC Bank USA-0.01%(3.5)0.08%
BBVA0.00%(3.5)0.03%
Amerisave Mortgage Corporation0.00%(3.5)0.05%
Planet Home Lending0.00%(3.5)0.45%
NBKC Bank0.00%(3.5)0.18%
AimLoan.com0.01%(3.5)0.05%
FirstBank TN0.01%(3.5)0.03%
Cherry Creek Mortgage0.01%(3.5)0.03%
Lakeview Loan Servicing0.01%(3.5)0.02%
DHI Mortgage Company Limited0.01%(3.5)0.40%
Morgan Stanley Private Bank0.01%(3.5)0.07%
Midwest Equity Mortgage0.02%(3.5)0.32%
T.J. Financial,ÊInc0.02%(3.5)0.12%
USAA0.02%(3.5)0.27%
Meriwest Mortgage0.02%(3.5)0.40%
CEFCU0.02%(3.5)0.02%
HighTechLending0.03%(3.5)0.05%
Mr. Cooper0.03%(3.5)0.03%
MiMutual Mortgage0.04%(3.5)0.15%
HomeBridge Financial Services0.04%(3.5)0.13%
LoanStream Mortgage0.04%(3.5)0.13%
First Technology Credit Union0.04%(3.5)0.07%
Benchmark0.04%(3.5)0.05%
PennyMac Loan Services0.04%(3.5)0.20%
Caliber Home Loans0.04%(3.5)2.36%
Patelco Credit Union0.04%(3.5)0.13%
Carrington Mortgage Services0.04%(3.5)0.03%
Dignified Home Loans0.04%(3.5)0.13%
Cardinal Financial Company0.05%(3.5)0.20%
First Savings Bank0.05%(3.5)0.02%
OGI Mortgage Bankers0.05%(3.0)0.37%
Navy Federal Credit Union0.06%(3.0)0.25%
Pacific Bay Lending Group0.06%(3.0)0.39%
Fairway Independent Mortgage Corporation0.06%(3.0)0.22%
Mechanics Bank CA0.07%(3.0)0.10%
New American Funding0.07%(3.0)0.52%
KeyPoint Credit Union0.07%(3.0)0.08%
The Loan Store0.07%(3.0)0.18%
Bay Equity Home Loans0.07%(3.0)0.32%
CashCall Mortgage0.07%(3.0)0.03%
Quicken Loans0.08%(3.0)13.02%
HomeServices Lending0.08%(3.0)0.89%
Stearns Home Loans0.08%(3.0)3.30%
NewRez0.09%(3.0)0.18%
TIAA Bank0.09%(3.0)0.25%
General Mortgage Capital Corporation0.09%(3.0)0.87%
Land Home Financial Services0.09%(3.0)0.65%
Commerce Home Mortgage0.09%(3.0)0.47%
JMAC0.10%(3.0)0.28%
Mason-McDuffie Mortgage Corporation0.10%(3.0)2.53%
On Q Financial0.10%(3.0)0.42%
CMG Financial0.10%(3.0)0.54%
PRMG Mortgage0.11%(3.0)0.79%
Movement Mortgage0.11%(3.0)0.34%
Summit Mortgage Banker0.12%(3.0)0.15%
Newfi Lending0.12%(3.0)0.13%
Freedom Mortgage Corporation0.12%(3.0)0.45%
Flagstar Bank0.12%(3.0)4.63%
Synergy One Lending0.12%(3.0)1.01%
Mountain West Financial0.13%(3.0)0.94%
Guild Mortgage Company0.13%(3.0)2.08%
Supreme Lending0.14%(3.0)0.35%
Premier Lending Inc0.14%(3.0)0.25%
Sierra Pacific Mortgage0.15%(3.0)1.83%
Finance of America Mortgage0.15%(2.5)2.61%
PrimeLending0.17%(2.5)0.79%
LendUS LLC0.20%(2.5)0.90%
Summit Funding Inc0.20%(2.5)2.01%
American Pacific Mortgage0.20%(2.5)3.65%
Academy Mortgage Corporation Utah0.20%(2.5)1.19%
Eagle Home Mortgage0.20%(2.5)0.87%
Lender NameRate DifferenceRate RatingMarket Share
First Republic Bank-0.43%(5.0)0.53%
Star One Credit Union-0.29%(5.0)1.21%
Santa Clara County Federal Credit Union-0.28%(5.0)0.69%
KeyPoint Credit Union-0.26%(5.0)0.56%
Googain-0.22%(4.5)2.26%
Provident Credit Union-0.21%(4.5)0.38%
Interactive Mortgage-0.20%(4.5)0.49%
LenderFi-0.20%(4.5)0.25%
Ally Bank-0.19%(4.5)0.29%
loanDepot-0.19%(4.5)3.30%
OGI Mortgage Bankers-0.16%(4.5)0.67%
Stanford Federal Credit Union-0.15%(4.0)0.32%
FirstBank TN-0.14%(4.0)0.29%
Home Point Financial Corporation-0.13%(4.0)0.88%
Guaranteed Rate Affinity-0.12%(4.0)1.12%
Bank of America-0.12%(4.0)5.34%
Technology Credit Union-0.11%(4.0)0.56%
General Mortgage Capital Corporation-0.11%(4.0)0.99%
Guaranteed Rate-0.11%(4.0)0.85%
Cherry Creek Mortgage-0.10%(4.0)0.18%
CashCall Mortgage-0.10%(4.0)0.90%
Provident Funding-0.10%(4.0)3.65%
NBKC Bank-0.10%(4.0)0.32%
T.J. Financial,ÊInc-0.09%(4.0)0.17%
Morgan Stanley Private Bank-0.08%(4.0)0.12%
Citibank-0.08%(4.0)0.58%
Land Home Financial Services-0.07%(4.0)0.56%
AimLoan.com-0.07%(4.0)0.17%
Amerisave Mortgage Corporation-0.06%(4.0)0.41%
Watermark Home Loans-0.05%(3.5)0.19%
HSBC Bank USA-0.04%(3.5)0.06%
CEFCU-0.04%(3.5)0.22%
First Choice Loan Services-0.03%(3.5)0.20%
Pacific Bay Lending Group-0.03%(3.5)0.41%
Planet Home Lending-0.03%(3.5)0.40%
US Bank-0.03%(3.5)1.42%
PNC Bank-0.03%(3.5)0.51%
Cardinal Financial Company-0.03%(3.5)0.48%
Prosperity Home Mortgage LLC-0.02%(3.5)0.07%
BBVA-0.02%(3.5)0.02%
Boston Private-0.02%(3.5)0.08%
Golden 1 Credit Union-0.01%(3.5)0.34%
Charles Schwab Bank0.00%(3.5)0.01%
Mason-McDuffie Mortgage Corporation0.00%(3.5)1.20%
DHI Mortgage Company Limited0.00%(3.5)0.01%
Inspire Home Loans0.01%(3.5)0.01%
Patelco Credit Union0.01%(3.5)0.19%
HomeServices Lending0.01%(3.5)0.15%
Eagle Home Mortgage0.01%(3.5)0.01%
Plaza Home Mortgage0.02%(3.5)0.04%
Meriwest Mortgage0.02%(3.5)0.41%
Union Bank0.02%(3.5)0.60%
Navy Federal Credit Union0.02%(3.5)0.10%
On Q Financial0.02%(3.5)0.06%
Caliber Home Loans0.02%(3.5)2.33%
JMAC0.02%(3.5)0.45%
Quicken Loans0.03%(3.5)24.74%
LoanStream Mortgage0.03%(3.5)0.08%
Carrington Mortgage Services0.03%(3.5)0.13%
Summit Mortgage Banker0.03%(3.5)0.16%
CIT Bank0.03%(3.5)0.08%
Fairway Independent Mortgage Corporation0.04%(3.5)0.20%
Synergy One Lending0.04%(3.5)0.49%
JPMorgan Chase Bank0.05%(3.5)4.28%
USAA0.05%(3.5)0.15%
Movement Mortgage0.05%(3.0)0.22%
HomeBridge Financial Services0.05%(3.0)0.17%
First Technology Credit Union0.05%(3.0)0.17%
NewRez0.05%(3.0)0.43%
Newfi Lending0.06%(3.0)0.14%
Midwest Equity Mortgage0.06%(3.0)0.33%
Flagstar Bank0.06%(3.0)2.96%
Dignified Home Loans0.06%(3.0)0.11%
PRMG Mortgage0.06%(3.0)0.55%
HighTechLending0.06%(3.0)0.22%
CMG Financial0.07%(3.0)0.36%
Freedom Mortgage Corporation0.07%(3.0)0.47%
New American Funding0.07%(3.0)0.55%
Bank in San Ramon0.07%(3.0)0.60%
Mechanics Bank CA0.08%(3.0)0.17%
Finance of America Mortgage0.08%(3.0)2.78%
Sierra Pacific Mortgage0.08%(3.0)1.36%
MiMutual Mortgage0.09%(3.0)0.59%
TIAA Bank0.09%(3.0)0.18%
Premier Lending Inc0.10%(3.0)0.08%
Wells Fargo Bank0.10%(3.0)8.50%
Bay Equity Home Loans0.10%(3.0)0.17%
Guild Mortgage Company0.11%(3.0)1.23%
PennyMac Loan Services0.11%(3.0)0.75%
Academy Mortgage Corporation Utah0.11%(3.0)0.37%
Mountain West Financial0.11%(3.0)0.58%
LendUS LLC0.12%(3.0)0.42%
Benchmark0.13%(3.0)0.20%
Commerce Home Mortgage0.13%(3.0)0.39%
Lakeview Loan Servicing0.16%(2.5)0.13%
Stearns Home Loans0.17%(2.5)1.97%
American Pacific Mortgage0.17%(2.5)1.59%
Supreme Lending0.17%(2.5)0.31%
Summit Funding Inc0.19%(2.5)0.72%
Mr. Cooper0.19%(2.5)1.05%
The Loan Store0.19%(2.5)0.22%
PrimeLending0.20%(2.5)0.43%
First Savings Bank0.38%(1.5)0.25%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.10%(4.0)9.80%
Caliber Home Loans-0.06%(4.0)6.91%
Finance of America Mortgage-0.05%(4.0)8.81%
Stearns Home Loans-0.03%(3.5)11.70%
Planet Home Lending-0.03%(3.5)0.91%
Inspire Home Loans-0.02%(3.5)2.58%
Home Point Financial Corporation-0.02%(3.5)1.60%
NewRez-0.01%(3.5)1.22%
Plaza Home Mortgage-0.01%(3.5)0.61%
Newfi Lending-0.00%(3.5)0.23%
Provident Funding-0.00%(3.5)0.23%
Prosperity Home Mortgage LLC0.00%(3.5)0.15%
TIAA Bank0.00%(3.5)0.15%
US Bank0.00%(3.5)0.15%
Pacific Bay Lending Group0.00%(3.5)0.08%
NBKC Bank0.00%(3.5)0.15%
Supreme Lending0.01%(3.5)0.38%
Midwest Equity Mortgage0.01%(3.5)0.15%
Amerisave Mortgage Corporation0.01%(3.5)0.15%
Flagstar Bank0.01%(3.5)1.60%
LoanStream Mortgage0.01%(3.5)1.52%
PRMG Mortgage0.02%(3.5)1.29%
HighTechLending0.02%(3.5)0.53%
Cherry Creek Mortgage0.02%(3.5)0.15%
LenderFi0.02%(3.5)0.08%
Fairway Independent Mortgage Corporation0.02%(3.5)0.08%
JPMorgan Chase Bank0.02%(3.5)0.15%
Dignified Home Loans0.02%(3.5)0.15%
Lakeview Loan Servicing0.02%(3.5)0.68%
Synergy One Lending0.02%(3.5)0.46%
Movement Mortgage0.02%(3.5)0.46%
Bank of America0.02%(3.5)0.08%
First Savings Bank0.02%(3.5)0.15%
Land Home Financial Services0.02%(3.5)1.75%
CashCall Mortgage0.02%(3.5)0.30%
Interactive Mortgage0.02%(3.5)0.23%
Academy Mortgage Corporation Utah0.02%(3.5)0.53%
Watermark Home Loans0.02%(3.5)0.08%
Mason-McDuffie Mortgage Corporation0.02%(3.5)4.18%
Union Bank0.02%(3.5)0.08%
LendUS LLC0.03%(3.5)0.46%
Navy Federal Credit Union0.03%(3.5)0.08%
Guaranteed Rate0.03%(3.5)0.68%
Wells Fargo Bank0.03%(3.5)0.15%
OGI Mortgage Bankers0.03%(3.5)1.75%
New American Funding0.03%(3.5)0.91%
Bay Equity Home Loans0.03%(3.5)0.38%
Guild Mortgage Company0.03%(3.5)2.96%
MiMutual Mortgage0.03%(3.5)0.38%
loanDepot0.03%(3.5)2.81%
PennyMac Loan Services0.04%(3.5)0.76%
Guaranteed Rate Affinity0.04%(3.5)0.99%
Bank in San Ramon0.04%(3.5)0.08%
Benchmark0.04%(3.5)0.08%
CMG Financial0.04%(3.5)1.29%
First Choice Loan Services0.04%(3.5)0.08%
JMAC0.04%(3.5)0.76%
Commerce Home Mortgage0.04%(3.5)0.46%
On Q Financial0.04%(3.5)0.38%
Cardinal Financial Company0.04%(3.5)0.76%
Carrington Mortgage Services0.04%(3.5)2.51%
Eagle Home Mortgage0.05%(3.5)0.08%
HomeBridge Financial Services0.05%(3.5)1.06%
Freedom Mortgage Corporation0.05%(3.0)2.13%
Mr. Cooper0.05%(3.0)3.80%
HomeServices Lending0.06%(3.0)0.46%
PrimeLending0.06%(3.0)0.91%
Sierra Pacific Mortgage0.06%(3.0)4.86%
Mountain West Financial0.06%(3.0)1.52%
American Pacific Mortgage0.09%(3.0)3.19%
Summit Funding Inc0.09%(3.0)2.81%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.13%(4.0)8.40%
Caliber Home Loans-0.07%(4.0)6.56%
Finance of America Mortgage-0.05%(3.5)11.39%
Stearns Home Loans-0.04%(3.5)14.27%
Planet Home Lending-0.03%(3.5)0.81%
Inspire Home Loans-0.02%(3.5)3.91%
Plaza Home Mortgage-0.01%(3.5)0.46%
Home Point Financial Corporation-0.01%(3.5)0.92%
Provident Funding-0.01%(3.5)0.23%
loanDepot-0.00%(3.5)2.30%
TIAA Bank0.00%(3.5)0.12%
Flagstar Bank0.00%(3.5)1.61%
NewRez0.00%(3.5)0.92%
Prosperity Home Mortgage LLC0.01%(3.5)0.23%
US Bank0.01%(3.5)0.23%
Pacific Bay Lending Group0.01%(3.5)0.12%
HomeBridge Financial Services0.01%(3.5)0.23%
Supreme Lending0.01%(3.5)0.46%
NBKC Bank0.01%(3.5)0.23%
Midwest Equity Mortgage0.01%(3.5)0.23%
JPMorgan Chase Bank0.01%(3.5)0.12%
First Savings Bank0.02%(3.5)0.12%
HighTechLending0.02%(3.5)0.58%
Cherry Creek Mortgage0.02%(3.5)0.23%
Synergy One Lending0.02%(3.5)0.58%
Dignified Home Loans0.02%(3.5)0.23%
Newfi Lending0.02%(3.5)0.12%
Bank of America0.03%(3.5)0.12%
Watermark Home Loans0.03%(3.5)0.12%
Lakeview Loan Servicing0.03%(3.5)0.12%
Academy Mortgage Corporation Utah0.03%(3.5)0.69%
PRMG Mortgage0.03%(3.5)1.15%
Freedom Mortgage Corporation0.03%(3.5)1.38%
OGI Mortgage Bankers0.03%(3.5)1.96%
Navy Federal Credit Union0.03%(3.5)0.12%
PennyMac Loan Services0.03%(3.5)0.12%
Wells Fargo Bank0.03%(3.5)0.23%
LendUS LLC0.03%(3.5)0.58%
Movement Mortgage0.03%(3.5)0.46%
Bay Equity Home Loans0.04%(3.5)0.58%
Guaranteed Rate0.04%(3.5)0.58%
Land Home Financial Services0.04%(3.5)1.73%
New American Funding0.04%(3.5)0.69%
Carrington Mortgage Services0.04%(3.5)0.35%
Mason-McDuffie Mortgage Corporation0.04%(3.5)5.18%
MiMutual Mortgage0.04%(3.5)0.46%
Bank in San Ramon0.04%(3.5)0.12%
Benchmark0.04%(3.5)0.12%
Guaranteed Rate Affinity0.04%(3.5)1.15%
LoanStream Mortgage0.04%(3.5)1.38%
First Choice Loan Services0.05%(3.5)0.12%
On Q Financial0.05%(3.5)0.58%
Eagle Home Mortgage0.05%(3.0)0.12%
Guild Mortgage Company0.05%(3.0)2.30%
JMAC0.05%(3.0)0.69%
CMG Financial0.06%(3.0)1.15%
HomeServices Lending0.06%(3.0)0.69%
Cardinal Financial Company0.07%(3.0)0.23%
Commerce Home Mortgage0.07%(3.0)0.35%
Sierra Pacific Mortgage0.07%(3.0)6.44%
PrimeLending0.07%(3.0)1.15%
Mountain West Financial0.07%(3.0)2.07%
Mr. Cooper0.08%(3.0)1.84%
American Pacific Mortgage0.11%(3.0)4.03%
Summit Funding Inc0.11%(3.0)3.34%
Lender NameRate DifferenceRate RatingMarket Share
Finance of America Mortgage-0.06%(4.0)3.80%
Quicken Loans-0.06%(4.0)12.53%
Caliber Home Loans-0.05%(4.0)7.61%
Mason-McDuffie Mortgage Corporation-0.04%(3.5)2.24%
LoanStream Mortgage-0.03%(3.5)1.79%
NewRez-0.03%(3.5)1.79%
Home Point Financial Corporation-0.03%(3.5)2.91%
Newfi Lending-0.02%(3.5)0.45%
Planet Home Lending-0.02%(3.5)1.12%
Plaza Home Mortgage-0.02%(3.5)0.89%
Movement Mortgage-0.01%(3.5)0.45%
Stearns Home Loans-0.01%(3.5)6.71%
PRMG Mortgage-0.01%(3.5)1.57%
Land Home Financial Services-0.00%(3.5)1.79%
TIAA Bank-0.00%(3.5)0.22%
LendUS LLC-0.00%(3.5)0.22%
Amerisave Mortgage Corporation0.00%(3.5)0.45%
Guild Mortgage Company0.01%(3.5)4.25%
HighTechLending0.01%(3.5)0.45%
LenderFi0.01%(3.5)0.22%
Provident Funding0.01%(3.5)0.22%
Fairway Independent Mortgage Corporation0.01%(3.5)0.22%
Academy Mortgage Corporation Utah0.01%(3.5)0.22%
Lakeview Loan Servicing0.01%(3.5)1.79%
Guaranteed Rate0.01%(3.5)0.89%
Commerce Home Mortgage0.01%(3.5)0.67%
CMG Financial0.01%(3.5)1.57%
MiMutual Mortgage0.01%(3.5)0.22%
CashCall Mortgage0.01%(3.5)0.89%
Interactive Mortgage0.01%(3.5)0.67%
Supreme Lending0.01%(3.5)0.22%
Union Bank0.02%(3.5)0.22%
Synergy One Lending0.02%(3.5)0.22%
JPMorgan Chase Bank0.02%(3.5)0.22%
New American Funding0.02%(3.5)1.34%
JMAC0.02%(3.5)0.89%
First Savings Bank0.02%(3.5)0.22%
American Pacific Mortgage0.02%(3.5)1.57%
Mountain West Financial0.02%(3.5)0.45%
Guaranteed Rate Affinity0.02%(3.5)0.67%
PennyMac Loan Services0.03%(3.5)2.01%
Cardinal Financial Company0.03%(3.5)1.79%
PrimeLending0.03%(3.5)0.45%
Flagstar Bank0.03%(3.5)1.57%
Summit Funding Inc0.04%(3.5)1.79%
OGI Mortgage Bankers0.04%(3.5)1.34%
Carrington Mortgage Services0.04%(3.5)6.71%
Mr. Cooper0.04%(3.5)7.61%
Sierra Pacific Mortgage0.04%(3.5)1.79%
HomeBridge Financial Services0.05%(3.5)2.68%
Freedom Mortgage Corporation0.06%(3.0)3.58%
loanDepot0.07%(3.0)3.80%
Lender NameRate DifferenceRate RatingMarket Share
Citibank-0.14%(4.0)6.49%
Bank of America-0.09%(4.0)19.50%
Ally Bank-0.08%(4.0)1.02%
Wells Fargo Bank-0.06%(4.0)33.10%
First Republic Bank-0.05%(4.0)0.95%
Morgan Stanley Private Bank-0.02%(3.5)0.68%
Star One Credit Union-0.02%(3.5)1.46%
Charles Schwab Bank-0.00%(3.5)0.51%
Googain0.02%(3.5)0.63%
BBVA0.02%(3.5)0.39%
Pulte Mortgage LLC0.03%(3.5)0.27%
Stanford Federal Credit Union0.04%(3.5)0.50%
Golden 1 Credit Union0.05%(3.5)0.80%
Boston Private0.05%(3.5)0.03%
PNC Bank0.05%(3.5)2.04%
LenderFi0.05%(3.0)0.02%
Provident Credit Union0.05%(3.0)0.12%
KeyPoint Credit Union0.05%(3.0)0.29%
Summit Mortgage Banker0.05%(3.0)0.12%
Watermark Home Loans0.05%(3.0)0.08%
HSBC Bank USA0.06%(3.0)0.30%
Movement Mortgage0.06%(3.0)0.03%
Prosperity Home Mortgage LLC0.06%(3.0)0.09%
AimLoan.com0.06%(3.0)0.05%
Cherry Creek Mortgage0.06%(3.0)0.03%
Technology Credit Union0.07%(3.0)0.17%
OGI Mortgage Bankers0.07%(3.0)0.06%
Midwest Equity Mortgage0.07%(3.0)0.24%
On Q Financial0.07%(3.0)0.02%
CEFCU0.07%(3.0)0.06%
HomeBridge Financial Services0.07%(3.0)0.12%
Pacific Bay Lending Group0.07%(3.0)0.02%
KBHS Home Loans0.07%(3.0)0.21%
Mountain West Financial0.07%(3.0)0.02%
Patelco Credit Union0.07%(3.0)0.27%
HighTechLending0.07%(3.0)0.05%
First Choice Loan Services0.08%(3.0)0.03%
DHI Mortgage Company Limited0.08%(3.0)0.09%
Dignified Home Loans0.08%(3.0)0.05%
Santa Clara County Federal Credit Union0.08%(3.0)0.11%
General Mortgage Capital Corporation0.08%(3.0)0.09%
Mechanics Bank CA0.08%(3.0)0.15%
MiMutual Mortgage0.08%(3.0)0.02%
Home Point Financial Corporation0.08%(3.0)0.06%
Cardinal Financial Company0.08%(3.0)0.06%
Meriwest Mortgage0.08%(3.0)0.41%
Provident Funding0.08%(3.0)0.03%
Plaza Home Mortgage0.08%(3.0)0.05%
Navy Federal Credit Union0.08%(3.0)0.23%
T.J. Financial,ÊInc0.09%(3.0)0.09%
Planet Home Lending0.09%(3.0)0.06%
Benchmark0.09%(3.0)0.05%
Union Bank0.09%(3.0)0.20%
FirstBank TN0.09%(3.0)0.02%
Carrington Mortgage Services0.09%(3.0)0.02%
Supreme Lending0.09%(3.0)0.09%
New American Funding0.09%(3.0)0.20%
Land Home Financial Services0.09%(3.0)0.05%
US Bank0.10%(3.0)3.21%
Fairway Independent Mortgage Corporation0.10%(3.0)0.15%
Guaranteed Rate0.10%(3.0)1.08%
Sierra Pacific Mortgage0.10%(3.0)0.17%
Newfi Lending0.10%(3.0)0.09%
First Technology Credit Union0.11%(3.0)0.18%
JPMorgan Chase Bank0.11%(3.0)7.81%
PRMG Mortgage0.12%(3.0)0.11%
Premier Lending Inc0.12%(3.0)0.09%
CMG Financial0.12%(3.0)0.14%
Stearns Home Loans0.12%(3.0)0.27%
Mason-McDuffie Mortgage Corporation0.12%(3.0)0.18%
CashCall Mortgage0.13%(3.0)0.06%
HomeServices Lending0.13%(3.0)0.38%
Bank in San Ramon0.13%(3.0)1.35%
TIAA Bank0.14%(3.0)0.18%
Guild Mortgage Company0.14%(3.0)0.26%
loanDepot0.14%(3.0)0.57%
PrimeLending0.14%(3.0)0.41%
Summit Funding Inc0.14%(3.0)0.21%
Academy Mortgage Corporation Utah0.14%(3.0)0.14%
CIT Bank0.15%(3.0)0.59%
Bay Equity Home Loans0.15%(3.0)0.23%
Guaranteed Rate Affinity0.15%(2.5)0.71%
Eagle Home Mortgage0.16%(2.5)0.14%
Commerce Home Mortgage0.16%(2.5)0.45%
Synergy One Lending0.17%(2.5)0.41%
LendUS LLC0.17%(2.5)0.35%
Finance of America Mortgage0.22%(2.5)0.53%
JMAC0.24%(2.5)0.86%
NewRez0.26%(2.0)0.51%
American Pacific Mortgage0.26%(2.0)1.14%
Flagstar Bank0.27%(2.0)1.94%
Quicken Loans0.30%(2.0)1.68%
Caliber Home Loans0.30%(2.0)0.71%
Lender NameRate DifferenceRate RatingMarket Share
Citibank-0.10%(4.0)6.28%
Bank of America-0.09%(4.0)16.61%
Wells Fargo Bank-0.08%(4.0)42.04%
First Republic Bank-0.02%(3.5)1.06%
Star One Credit Union0.02%(3.5)0.88%
Golden 1 Credit Union0.03%(3.5)0.88%
Ally Bank0.04%(3.5)0.56%
Stanford Federal Credit Union0.05%(3.5)0.56%
Pulte Mortgage LLC0.05%(3.5)0.53%
BBVA0.06%(3.0)0.35%
KeyPoint Credit Union0.06%(3.0)0.15%
HSBC Bank USA0.07%(3.0)0.35%
Santa Clara County Federal Credit Union0.07%(3.0)0.03%
Prosperity Home Mortgage LLC0.07%(3.0)0.12%
Watermark Home Loans0.07%(3.0)0.06%
Cherry Creek Mortgage0.07%(3.0)0.03%
Technology Credit Union0.08%(3.0)0.06%
Patelco Credit Union0.08%(3.0)0.27%
Movement Mortgage0.08%(3.0)0.03%
Plaza Home Mortgage0.08%(3.0)0.03%
Summit Mortgage Banker0.08%(3.0)0.03%
CEFCU0.08%(3.0)0.03%
T.J. Financial,ÊInc0.08%(3.0)0.03%
US Bank0.08%(3.0)2.65%
On Q Financial0.08%(3.0)0.03%
OGI Mortgage Bankers0.08%(3.0)0.06%
Charles Schwab Bank0.09%(3.0)0.15%
TIAA Bank0.09%(3.0)0.03%
KBHS Home Loans0.09%(3.0)0.41%
Midwest Equity Mortgage0.09%(3.0)0.06%
Provident Credit Union0.09%(3.0)0.06%
Mountain West Financial0.09%(3.0)0.03%
First Choice Loan Services0.09%(3.0)0.06%
DHI Mortgage Company Limited0.09%(3.0)0.18%
Googain0.09%(3.0)0.27%
HighTechLending0.09%(3.0)0.03%
Dignified Home Loans0.09%(3.0)0.06%
PRMG Mortgage0.09%(3.0)0.09%
First Technology Credit Union0.10%(3.0)0.03%
Union Bank0.10%(3.0)0.09%
PNC Bank0.10%(3.0)1.65%
Supreme Lending0.10%(3.0)0.06%
Benchmark0.10%(3.0)0.09%
Navy Federal Credit Union0.10%(3.0)0.35%
CashCall Mortgage0.10%(3.0)0.03%
Land Home Financial Services0.10%(3.0)0.03%
Newfi Lending0.10%(3.0)0.03%
FirstBank TN0.10%(3.0)0.03%
HomeBridge Financial Services0.10%(3.0)0.09%
Home Point Financial Corporation0.11%(3.0)0.06%
Planet Home Lending0.11%(3.0)0.09%
Mechanics Bank CA0.11%(3.0)0.09%
Bank in San Ramon0.12%(3.0)1.50%
Meriwest Mortgage0.12%(3.0)0.38%
New American Funding0.12%(3.0)0.24%
Stearns Home Loans0.13%(3.0)0.21%
Sierra Pacific Mortgage0.13%(3.0)0.18%
General Mortgage Capital Corporation0.13%(3.0)0.06%
Morgan Stanley Private Bank0.13%(3.0)0.41%
Fairway Independent Mortgage Corporation0.13%(3.0)0.18%
Premier Lending Inc0.13%(3.0)0.18%
Guild Mortgage Company0.14%(3.0)0.27%
Guaranteed Rate0.15%(3.0)0.80%
Mason-McDuffie Mortgage Corporation0.16%(2.5)0.24%
CMG Financial0.16%(2.5)0.18%
Summit Funding Inc0.17%(2.5)0.21%
Bay Equity Home Loans0.17%(2.5)0.21%
HomeServices Lending0.17%(2.5)0.50%
CIT Bank0.17%(2.5)0.38%
Eagle Home Mortgage0.18%(2.5)0.27%
Academy Mortgage Corporation Utah0.18%(2.5)0.21%
PrimeLending0.19%(2.5)0.32%
Commerce Home Mortgage0.19%(2.5)0.41%
Synergy One Lending0.20%(2.5)0.32%
JPMorgan Chase Bank0.20%(2.5)6.43%
loanDepot0.21%(2.5)0.53%
LendUS LLC0.21%(2.5)0.44%
Guaranteed Rate Affinity0.22%(2.5)0.86%
Finance of America Mortgage0.25%(2.0)0.56%
Quicken Loans0.25%(2.0)0.68%
JMAC0.26%(2.0)0.56%
American Pacific Mortgage0.29%(2.0)1.33%
NewRez0.29%(2.0)0.35%
Flagstar Bank0.33%(2.0)1.95%
Caliber Home Loans0.42%(1.5)0.83%
Lender NameRate DifferenceRate RatingMarket Share
Citibank-0.19%(4.5)6.70%
Ally Bank-0.14%(4.0)1.50%
Morgan Stanley Private Bank-0.10%(4.0)0.95%
Bank of America-0.10%(4.0)22.50%
First Republic Bank-0.10%(4.0)0.83%
Star One Credit Union-0.05%(4.0)2.05%
Charles Schwab Bank-0.03%(3.5)0.89%
BBVA-0.01%(3.5)0.43%
Googain-0.01%(3.5)1.01%
Wells Fargo Bank0.00%(3.5)23.85%
PNC Bank0.01%(3.5)2.45%
Provident Credit Union0.03%(3.5)0.18%
Boston Private0.03%(3.5)0.06%
Stanford Federal Credit Union0.03%(3.5)0.43%
LenderFi0.04%(3.5)0.03%
Summit Mortgage Banker0.04%(3.5)0.21%
Watermark Home Loans0.04%(3.5)0.09%
Movement Mortgage0.04%(3.5)0.03%
JPMorgan Chase Bank0.04%(3.5)9.23%
KeyPoint Credit Union0.04%(3.5)0.43%
Meriwest Mortgage0.04%(3.5)0.43%
AimLoan.com0.04%(3.5)0.09%
HSBC Bank USA0.05%(3.5)0.24%
Prosperity Home Mortgage LLC0.05%(3.5)0.06%
General Mortgage Capital Corporation0.05%(3.5)0.12%
Planet Home Lending0.05%(3.5)0.03%
Cherry Creek Mortgage0.05%(3.5)0.03%
HomeBridge Financial Services0.05%(3.5)0.15%
OGI Mortgage Bankers0.05%(3.5)0.06%
Academy Mortgage Corporation Utah0.05%(3.0)0.06%
New American Funding0.05%(3.0)0.15%
Midwest Equity Mortgage0.05%(3.0)0.43%
Home Point Financial Corporation0.05%(3.0)0.06%
Technology Credit Union0.05%(3.0)0.28%
Fairway Independent Mortgage Corporation0.05%(3.0)0.12%
Mechanics Bank CA0.06%(3.0)0.21%
CEFCU0.06%(3.0)0.09%
Dignified Home Loans0.06%(3.0)0.03%
Pacific Bay Lending Group0.06%(3.0)0.03%
HighTechLending0.06%(3.0)0.06%
HomeServices Lending0.06%(3.0)0.24%
Navy Federal Credit Union0.06%(3.0)0.09%
CMG Financial0.06%(3.0)0.09%
Guaranteed Rate Affinity0.06%(3.0)0.55%
MiMutual Mortgage0.07%(3.0)0.03%
Cardinal Financial Company0.07%(3.0)0.12%
Guaranteed Rate0.07%(3.0)1.38%
Provident Funding0.07%(3.0)0.06%
Santa Clara County Federal Credit Union0.07%(3.0)0.18%
Patelco Credit Union0.07%(3.0)0.28%
Sierra Pacific Mortgage0.07%(3.0)0.15%
Union Bank0.07%(3.0)0.31%
T.J. Financial,ÊInc0.07%(3.0)0.15%
Mason-McDuffie Mortgage Corporation0.07%(3.0)0.12%
Carrington Mortgage Services0.07%(3.0)0.03%
Golden 1 Credit Union0.08%(3.0)0.70%
Supreme Lending0.08%(3.0)0.12%
loanDepot0.08%(3.0)0.61%
Plaza Home Mortgage0.08%(3.0)0.06%
Land Home Financial Services0.08%(3.0)0.06%
Newfi Lending0.09%(3.0)0.15%
First Technology Credit Union0.10%(3.0)0.34%
US Bank0.10%(3.0)3.79%
PrimeLending0.10%(3.0)0.49%
LendUS LLC0.11%(3.0)0.24%
Stearns Home Loans0.11%(3.0)0.34%
Summit Funding Inc0.12%(3.0)0.21%
CIT Bank0.13%(3.0)0.79%
CashCall Mortgage0.13%(3.0)0.09%
TIAA Bank0.13%(3.0)0.34%
PRMG Mortgage0.13%(3.0)0.12%
Bay Equity Home Loans0.13%(3.0)0.24%
Caliber Home Loans0.13%(3.0)0.58%
Guild Mortgage Company0.13%(3.0)0.24%
Commerce Home Mortgage0.13%(3.0)0.49%
Synergy One Lending0.14%(3.0)0.49%
Bank in San Ramon0.15%(3.0)1.19%
Finance of America Mortgage0.18%(2.5)0.49%
Flagstar Bank0.20%(2.5)1.93%
JMAC0.22%(2.5)1.16%
American Pacific Mortgage0.22%(2.5)0.95%
NewRez0.24%(2.5)0.67%
Quicken Loans0.30%(2.0)2.72%
Lender NameRate DifferenceRate RatingMarket Share
loanDepot-0.09%(4.0)6.45%
PennyMac Loan Services-0.08%(4.0)5.62%
Navy Federal Credit Union-0.07%(4.0)3.70%
Inspire Home Loans-0.04%(3.5)4.06%
Plaza Home Mortgage-0.02%(3.5)1.08%
Stearns Home Loans-0.02%(3.5)4.78%
Lakeview Loan Servicing-0.01%(3.5)0.72%
Guaranteed Rate-0.01%(3.5)0.96%
Home Point Financial Corporation-0.01%(3.5)3.94%
Caliber Home Loans-0.01%(3.5)7.53%
Flagstar Bank-0.01%(3.5)4.90%
Bay Equity Home Loans-0.00%(3.5)1.08%
FirstBank TN-0.00%(3.5)0.12%
US Bank-0.00%(3.5)0.24%
Amerisave Mortgage Corporation0.00%(3.5)0.36%
Watermark Home Loans0.00%(3.5)0.12%
Synergy One Lending0.00%(3.5)0.60%
Wells Fargo Bank0.00%(3.5)0.96%
Midwest Equity Mortgage0.00%(3.5)0.24%
Benchmark0.00%(3.5)0.12%
Cherry Creek Mortgage0.00%(3.5)0.12%
DHI Mortgage Company Limited0.00%(3.5)0.12%
LendUS LLC0.00%(3.5)0.36%
OGI Mortgage Bankers0.00%(3.5)0.48%
MiMutual Mortgage0.01%(3.5)0.96%
HomeBridge Financial Services0.01%(3.5)1.91%
First Choice Loan Services0.01%(3.5)0.48%
HighTechLending0.01%(3.5)0.12%
Cardinal Financial Company0.01%(3.5)0.12%
Fairway Independent Mortgage Corporation0.01%(3.5)0.60%
Bank in San Ramon0.01%(3.5)0.12%
LoanStream Mortgage0.01%(3.5)0.12%
Quicken Loans0.01%(3.5)9.08%
Union Bank0.01%(3.5)0.24%
First Savings Bank0.01%(3.5)0.12%
PRMG Mortgage0.01%(3.5)0.84%
Dignified Home Loans0.02%(3.5)0.12%
Land Home Financial Services0.02%(3.5)0.24%
Commerce Home Mortgage0.02%(3.5)0.48%
Pacific Bay Lending Group0.02%(3.5)0.24%
JMAC0.02%(3.5)0.36%
HomeServices Lending0.02%(3.5)0.60%
NBKC Bank0.02%(3.5)0.36%
Supreme Lending0.02%(3.5)0.36%
Movement Mortgage0.02%(3.5)0.12%
Planet Home Lending0.02%(3.5)0.48%
JPMorgan Chase Bank0.02%(3.5)0.48%
PrimeLending0.02%(3.5)0.48%
Guild Mortgage Company0.03%(3.5)2.03%
Guaranteed Rate Affinity0.03%(3.5)1.08%
New American Funding0.03%(3.5)0.72%
Mountain West Financial0.03%(3.5)0.48%
NewRez0.03%(3.5)0.60%
American Pacific Mortgage0.03%(3.5)4.90%
Finance of America Mortgage0.03%(3.5)2.63%
Academy Mortgage Corporation Utah0.03%(3.5)0.24%
Mason-McDuffie Mortgage Corporation0.04%(3.5)2.51%
Mr. Cooper0.04%(3.5)1.67%
USAA0.04%(3.5)5.14%
Summit Funding Inc0.05%(3.5)2.03%
Freedom Mortgage Corporation0.05%(3.0)2.15%
Sierra Pacific Mortgage0.05%(3.0)1.08%
On Q Financial0.05%(3.0)0.60%
CMG Financial0.06%(3.0)2.51%
Carrington Mortgage Services0.12%(3.0)2.03%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.09%(4.0)7.74%
Inspire Home Loans-0.04%(3.5)10.12%
Quicken Loans-0.04%(3.5)7.44%
loanDepot-0.03%(3.5)2.68%
Stearns Home Loans-0.02%(3.5)5.65%
Guaranteed Rate-0.01%(3.5)1.19%
Synergy One Lending-0.01%(3.5)0.89%
Mr. Cooper-0.00%(3.5)0.89%
Wells Fargo Bank-0.00%(3.5)2.08%
Plaza Home Mortgage-0.00%(3.5)0.30%
US Bank-0.00%(3.5)0.60%
MiMutual Mortgage-0.00%(3.5)0.60%
Home Point Financial Corporation0.00%(3.5)1.19%
Midwest Equity Mortgage0.00%(3.5)0.60%
American Pacific Mortgage0.00%(3.5)4.76%
PennyMac Loan Services0.00%(3.5)1.19%
First Choice Loan Services0.00%(3.5)0.30%
Cherry Creek Mortgage0.00%(3.5)0.30%
DHI Mortgage Company Limited0.00%(3.5)0.30%
Bay Equity Home Loans0.00%(3.5)0.60%
OGI Mortgage Bankers0.01%(3.5)0.30%
Union Bank0.01%(3.5)0.30%
HomeBridge Financial Services0.01%(3.5)0.30%
Cardinal Financial Company0.01%(3.5)0.30%
LoanStream Mortgage0.01%(3.5)0.30%
Flagstar Bank0.01%(3.5)3.57%
Dignified Home Loans0.02%(3.5)0.30%
Commerce Home Mortgage0.02%(3.5)0.89%
NewRez0.02%(3.5)0.60%
Caliber Home Loans0.02%(3.5)7.44%
HomeServices Lending0.02%(3.5)1.49%
JPMorgan Chase Bank0.02%(3.5)0.60%
Land Home Financial Services0.02%(3.5)0.30%
Supreme Lending0.02%(3.5)0.30%
Planet Home Lending0.02%(3.5)1.19%
Finance of America Mortgage0.02%(3.5)3.87%
Mason-McDuffie Mortgage Corporation0.02%(3.5)3.27%
JMAC0.03%(3.5)0.60%
Guild Mortgage Company0.03%(3.5)1.19%
NBKC Bank0.03%(3.5)0.60%
Mountain West Financial0.03%(3.5)1.19%
PrimeLending0.03%(3.5)0.89%
PRMG Mortgage0.03%(3.5)0.89%
Academy Mortgage Corporation Utah0.03%(3.5)0.60%
New American Funding0.03%(3.5)0.89%
Freedom Mortgage Corporation0.03%(3.5)2.08%
Fairway Independent Mortgage Corporation0.03%(3.5)0.30%
Guaranteed Rate Affinity0.04%(3.5)1.79%
CMG Financial0.05%(3.5)1.79%
On Q Financial0.05%(3.0)1.49%
USAA0.05%(3.0)6.55%
Sierra Pacific Mortgage0.06%(3.0)2.08%
Summit Funding Inc0.08%(3.0)2.38%
Lender NameRate DifferenceRate RatingMarket Share
loanDepot-0.10%(4.0)8.98%
PennyMac Loan Services-0.09%(4.0)8.58%
Caliber Home Loans-0.02%(3.5)7.58%
Plaza Home Mortgage-0.02%(3.5)1.60%
Lakeview Loan Servicing-0.01%(3.5)1.20%
Guaranteed Rate-0.01%(3.5)0.80%
Flagstar Bank-0.01%(3.5)5.79%
Stearns Home Loans-0.01%(3.5)4.19%
Home Point Financial Corporation-0.01%(3.5)5.79%
Bay Equity Home Loans-0.01%(3.5)1.40%
FirstBank TN-0.00%(3.5)0.20%
Amerisave Mortgage Corporation0.00%(3.5)0.60%
Watermark Home Loans0.00%(3.5)0.20%
Benchmark0.00%(3.5)0.20%
PRMG Mortgage0.00%(3.5)0.80%
NBKC Bank0.00%(3.5)0.20%
JMAC0.00%(3.5)0.20%
OGI Mortgage Bankers0.00%(3.5)0.60%
LendUS LLC0.01%(3.5)0.60%
Fairway Independent Mortgage Corporation0.01%(3.5)0.80%
HomeBridge Financial Services0.01%(3.5)2.99%
Guaranteed Rate Affinity0.01%(3.5)0.60%
First Choice Loan Services0.01%(3.5)0.60%
HighTechLending0.01%(3.5)0.20%
PrimeLending0.01%(3.5)0.20%
MiMutual Mortgage0.01%(3.5)1.20%
Synergy One Lending0.01%(3.5)0.40%
Bank in San Ramon0.01%(3.5)0.20%
Land Home Financial Services0.01%(3.5)0.20%
First Savings Bank0.01%(3.5)0.20%
Sierra Pacific Mortgage0.02%(3.5)0.40%
Summit Funding Inc0.02%(3.5)1.80%
Navy Federal Credit Union0.02%(3.5)1.00%
Supreme Lending0.02%(3.5)0.40%
Pacific Bay Lending Group0.02%(3.5)0.40%
Union Bank0.02%(3.5)0.20%
Movement Mortgage0.02%(3.5)0.20%
New American Funding0.02%(3.5)0.60%
Commerce Home Mortgage0.02%(3.5)0.20%
Wells Fargo Bank0.03%(3.5)0.20%
Guild Mortgage Company0.03%(3.5)2.59%
JPMorgan Chase Bank0.03%(3.5)0.40%
USAA0.03%(3.5)4.19%
NewRez0.04%(3.5)0.60%
Quicken Loans0.04%(3.5)10.18%
Finance of America Mortgage0.04%(3.5)1.80%
American Pacific Mortgage0.05%(3.5)4.99%
Mason-McDuffie Mortgage Corporation0.05%(3.5)2.00%
Mr. Cooper0.05%(3.0)2.20%
Freedom Mortgage Corporation0.06%(3.0)2.20%
CMG Financial0.07%(3.0)2.99%
Carrington Mortgage Services0.12%(3.0)3.39%

* Data is compiled for the San Jose, CA commuting zone area, which comprises of counties of Monterey County, CA, San Benito County, CA, Santa Clara County, CA, and Santa Cruz County, CA. This includes cities/towns/communities of San Jose, CA as well as Sunnyvale, CA, Milpitas, CA, Santa Clara, CA, Salinas, CA, Hollister, CA, Mountain View, CA, Gilroy, CA, Palo Alto, CA, Morgan Hill, CA, Campbell, CA, Cupertino, CA, Saratoga, CA, Los Gatos, CA, Santa Cruz, CA, Los Altos, CA, Seaside, CA, Scotts Valley, CA, Cambrian Park, CA, Watsonville, CA, Alum Rock, CA, Marina, CA, Monterey, CA, Rio del Mar, CA, Soledad, CA, Soquel, CA, Boulder Creek, CA, San Martin, CA, Del Monte Forest, CA, Loyola, CA, Monte Sereno, CA, Pacific Grove, CA, Capitola, CA, Carmel-by-the-Sea, CA, Day Valley, CA, Prunedale, CA, King City, CA, Elkhorn, CA, Live Oak, CA, Greenfield, CA, Brookdale, CA, Paradise Park, CA, Carmel Valley Village, CA, Zayante, CA, Ridgemark, CA, Tres Pinos, CA, Fruitdale, CA, Boronda, CA, Lexington Hills, CA, Pleasure Point, CA, and Gonzales, CA. 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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