Top Mortgage Lenders in Columbus, GA

Lender Rankings / Last Updated: January 24, 2021

Which mortgage lender in the Columbus, GA 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 Columbus, GA 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 Columbus, GA area in terms of interest rate is Trustmark National Bank, with an average “Rate Difference” of -0.16%. This means that, comparing similar borrowers, Trustmark National Bank provided a -0.16% lower interest rate for its customers than other lenders in the area. Trustmark National Bank has a market share of 1.6%. On the other hand, the most popular lender in the Columbus, GA area is Quicken Loans, with a larger market share of 9.4%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.07% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Columbus, GA 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 Columbus, GA is Trustmark National Bank. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Synovus Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Home Point Financial 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 Columbus, GA

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank-0.16%(4.5)1.57%
Truist Bank-0.15%(4.0)1.82%
Stifel Bank & Trust-0.13%(4.0)1.08%
Navy Federal Credit Union-0.12%(4.0)3.70%
Synovus Bank-0.10%(4.0)1.57%
Home Point Financial Corporation-0.09%(4.0)1.22%
SunTrust Bank-0.08%(4.0)2.12%
Bank of America-0.08%(4.0)0.73%
CenterState Bank-0.08%(4.0)2.29%
Keller Mortgage-0.07%(4.0)0.82%
loanDepot-0.07%(4.0)2.84%
Village Capital-0.07%(4.0)0.62%
MAX Credit Union-0.05%(4.0)0.58%
US Bank-0.04%(3.5)0.80%
Flagstar Bank-0.04%(3.5)0.90%
BancorpSouth Bank-0.04%(3.5)0.83%
First Federal Bank of Florida-0.04%(3.5)0.67%
PennyMac Loan Services-0.04%(3.5)1.43%
Ameris Bank-0.04%(3.5)0.93%
JPMorgan Chase Bank-0.03%(3.5)0.85%
USAA-0.03%(3.5)4.44%
Wells Fargo Bank-0.03%(3.5)3.99%
Renasant Bank-0.02%(3.5)7.49%
NewRez-0.02%(3.5)0.73%
Fairway Independent Mortgage Corporation-0.02%(3.5)0.87%
First Community Mortgage-0.02%(3.5)0.53%
Vanderbilt Mortgage-0.02%(3.5)1.73%
HomeBridge Financial Services-0.02%(3.5)0.60%
PNC Bank-0.01%(3.5)0.75%
Caliber Home Loans-0.01%(3.5)0.58%
First Savings Bank-0.01%(3.5)0.93%
Guild Mortgage Company-0.01%(3.5)3.44%
Mortgage Investors Group0.00%(3.5)0.65%
BBVA0.01%(3.5)0.73%
CMG Financial0.01%(3.5)5.95%
FirstBank TN0.02%(3.5)1.77%
Southern Trust Mortgage0.02%(3.5)0.83%
Primary Residential Mortgage Inc0.03%(3.5)2.49%
Freedom Mortgage Corporation0.03%(3.5)1.03%
New American Funding0.03%(3.5)2.32%
Regions Bank0.03%(3.5)1.37%
The Federal Savings Bank0.04%(3.5)0.62%
InterLinc Mortgage Services0.05%(3.5)3.25%
Guaranty Mortgage Services0.06%(3.0)0.98%
Quicken Loans0.07%(3.0)9.36%
HomeStar Financial0.08%(3.0)2.49%
Benchmark0.08%(3.0)5.10%
First Choice Loan Services0.10%(3.0)3.45%
Mr. Cooper0.10%(3.0)1.22%
Carrington Mortgage Services0.14%(3.0)2.15%
NewDay USA0.45%(1.0)0.77%
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank-0.18%(4.5)1.99%
Stifel Bank & Trust-0.15%(4.5)1.03%
Truist Bank-0.13%(4.0)1.13%
Navy Federal Credit Union-0.12%(4.0)4.65%
Synovus Bank-0.11%(4.0)1.99%
JPMorgan Chase Bank-0.10%(4.0)0.54%
Home Point Financial Corporation-0.10%(4.0)1.20%
First Federal Bank of Florida-0.10%(4.0)0.64%
Bank of America-0.10%(4.0)0.79%
SunTrust Bank-0.09%(4.0)1.87%
Keller Mortgage-0.07%(4.0)1.18%
Wells Fargo Bank-0.06%(4.0)4.06%
CenterState Bank-0.06%(4.0)2.04%
BancorpSouth Bank-0.05%(3.5)1.06%
Flagstar Bank-0.04%(3.5)0.98%
loanDepot-0.04%(3.5)1.82%
US Bank-0.03%(3.5)0.54%
MAX Credit Union-0.03%(3.5)0.61%
PennyMac Loan Services-0.03%(3.5)0.74%
Ameris Bank-0.03%(3.5)0.96%
USAA-0.02%(3.5)5.51%
First Community Mortgage-0.02%(3.5)0.49%
Vanderbilt Mortgage-0.02%(3.5)2.29%
Freedom Mortgage Corporation-0.02%(3.5)0.69%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.13%
PNC Bank-0.01%(3.5)0.17%
First Savings Bank-0.01%(3.5)1.01%
Renasant Bank-0.01%(3.5)7.57%
NewRez-0.01%(3.5)0.17%
Guild Mortgage Company-0.00%(3.5)4.45%
HomeBridge Financial Services-0.00%(3.5)0.59%
BBVA0.00%(3.5)0.71%
The Federal Savings Bank0.00%(3.5)0.05%
NewDay USA0.01%(3.5)0.02%
Regions Bank0.02%(3.5)1.47%
Caliber Home Loans0.02%(3.5)0.39%
Southern Trust Mortgage0.02%(3.5)1.16%
FirstBank TN0.02%(3.5)2.26%
CMG Financial0.03%(3.5)7.06%
Primary Residential Mortgage Inc0.03%(3.5)3.27%
New American Funding0.04%(3.5)3.05%
Mortgage Investors Group0.04%(3.5)0.59%
Quicken Loans0.05%(3.5)4.01%
InterLinc Mortgage Services0.06%(3.0)4.03%
Guaranty Mortgage Services0.07%(3.0)1.43%
HomeStar Financial0.10%(3.0)3.32%
Benchmark0.10%(3.0)6.78%
Mr. Cooper0.10%(3.0)0.66%
First Choice Loan Services0.11%(3.0)4.67%
Carrington Mortgage Services0.30%(2.0)1.18%
Lender NameRate DifferenceRate RatingMarket Share
Truist Bank-0.16%(4.5)3.27%
CenterState Bank-0.11%(4.0)2.80%
MAX Credit Union-0.11%(4.0)0.52%
loanDepot-0.10%(4.0)4.98%
Navy Federal Credit Union-0.08%(4.0)1.71%
Stifel Bank & Trust-0.08%(4.0)1.19%
SunTrust Bank-0.08%(4.0)2.65%
Home Point Financial Corporation-0.08%(4.0)1.25%
Village Capital-0.07%(4.0)1.92%
Mortgage Investors Group-0.07%(4.0)0.78%
USAA-0.06%(4.0)2.18%
Renasant Bank-0.06%(4.0)7.32%
US Bank-0.06%(4.0)1.35%
Synovus Bank-0.06%(4.0)0.67%
Ameris Bank-0.05%(4.0)0.88%
HomeBridge Financial Services-0.05%(4.0)0.62%
HomeStar Financial-0.05%(4.0)0.73%
CMG Financial-0.05%(3.5)3.63%
PennyMac Loan Services-0.04%(3.5)2.91%
Flagstar Bank-0.04%(3.5)0.73%
Bank of America-0.04%(3.5)0.62%
Trustmark National Bank-0.04%(3.5)0.67%
Caliber Home Loans-0.04%(3.5)0.99%
NewRez-0.03%(3.5)1.92%
Guild Mortgage Company-0.03%(3.5)1.30%
Fairway Independent Mortgage Corporation-0.03%(3.5)0.31%
FirstBank TN-0.02%(3.5)0.73%
InterLinc Mortgage Services-0.01%(3.5)1.61%
PNC Bank-0.01%(3.5)1.97%
Benchmark-0.01%(3.5)1.56%
Vanderbilt Mortgage-0.01%(3.5)0.57%
First Community Mortgage-0.01%(3.5)0.62%
Southern Trust Mortgage-0.01%(3.5)0.16%
First Savings Bank-0.01%(3.5)0.78%
Guaranty Mortgage Services-0.01%(3.5)0.05%
New American Funding0.01%(3.5)0.78%
Keller Mortgage0.01%(3.5)0.05%
BancorpSouth Bank0.01%(3.5)0.36%
Primary Residential Mortgage Inc0.01%(3.5)0.83%
BBVA0.02%(3.5)0.78%
JPMorgan Chase Bank0.02%(3.5)1.50%
First Choice Loan Services0.03%(3.5)0.88%
The Federal Savings Bank0.04%(3.5)1.82%
Carrington Mortgage Services0.05%(3.5)4.20%
Wells Fargo Bank0.06%(3.0)3.84%
Freedom Mortgage Corporation0.06%(3.0)1.76%
Quicken Loans0.07%(3.0)20.65%
First Federal Bank of Florida0.07%(3.0)0.73%
Regions Bank0.08%(3.0)1.14%
Mr. Cooper0.10%(3.0)2.39%
NewDay USA0.46%(1.0)2.34%
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank-0.16%(4.5)2.72%
Truist Bank-0.15%(4.0)3.41%
Stifel Bank & Trust-0.13%(4.0)1.92%
Synovus Bank-0.11%(4.0)2.55%
SunTrust Bank-0.08%(4.0)3.71%
Bank of America-0.08%(4.0)1.19%
CenterState Bank-0.07%(4.0)3.94%
MAX Credit Union-0.04%(3.5)1.16%
US Bank-0.04%(3.5)1.42%
Keller Mortgage-0.04%(3.5)0.73%
loanDepot-0.04%(3.5)1.66%
JPMorgan Chase Bank-0.02%(3.5)1.62%
Ameris Bank-0.02%(3.5)1.06%
Wells Fargo Bank-0.02%(3.5)6.86%
Home Point Financial Corporation-0.02%(3.5)0.83%
CMG Financial-0.02%(3.5)7.19%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.93%
First Federal Bank of Florida-0.01%(3.5)0.27%
Southern Trust Mortgage-0.01%(3.5)0.43%
Renasant Bank-0.01%(3.5)10.14%
First Community Mortgage-0.01%(3.5)1.03%
NewRez-0.01%(3.5)0.76%
BancorpSouth Bank-0.00%(3.5)1.16%
Carrington Mortgage Services-0.00%(3.5)0.17%
Flagstar Bank0.00%(3.5)0.53%
PNC Bank0.00%(3.5)1.46%
First Savings Bank0.00%(3.5)1.69%
Vanderbilt Mortgage0.00%(3.5)0.27%
PennyMac Loan Services0.00%(3.5)0.89%
Mortgage Investors Group0.01%(3.5)1.09%
Guild Mortgage Company0.01%(3.5)2.78%
Freedom Mortgage Corporation0.02%(3.5)0.20%
Caliber Home Loans0.02%(3.5)0.70%
BBVA0.02%(3.5)1.26%
USAA0.03%(3.5)1.56%
First Choice Loan Services0.03%(3.5)2.42%
FirstBank TN0.03%(3.5)1.49%
HomeStar Financial0.03%(3.5)1.69%
New American Funding0.05%(3.0)1.56%
HomeBridge Financial Services0.06%(3.0)0.10%
Regions Bank0.06%(3.0)2.19%
InterLinc Mortgage Services0.06%(3.0)3.41%
Quicken Loans0.09%(3.0)10.60%
Primary Residential Mortgage Inc0.09%(3.0)1.03%
Guaranty Mortgage Services0.09%(3.0)0.99%
Benchmark0.11%(3.0)2.15%
Mr. Cooper0.14%(3.0)0.76%
Navy Federal Credit Union0.28%(2.0)2.32%
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank-0.18%(4.5)3.75%
Stifel Bank & Trust-0.16%(4.5)2.01%
Truist Bank-0.13%(4.0)2.22%
Synovus Bank-0.11%(4.0)3.59%
JPMorgan Chase Bank-0.10%(4.0)1.06%
Bank of America-0.10%(4.0)1.32%
SunTrust Bank-0.09%(4.0)3.43%
Wells Fargo Bank-0.07%(4.0)7.18%
CenterState Bank-0.05%(3.5)3.49%
loanDepot-0.05%(3.5)0.90%
Keller Mortgage-0.04%(3.5)1.11%
US Bank-0.02%(3.5)1.11%
Home Point Financial Corporation-0.02%(3.5)0.90%
MAX Credit Union-0.02%(3.5)1.32%
First Community Mortgage-0.01%(3.5)1.00%
PennyMac Loan Services-0.01%(3.5)1.00%
Southern Trust Mortgage-0.01%(3.5)0.63%
First Federal Bank of Florida-0.01%(3.5)0.26%
Fairway Independent Mortgage Corporation-0.01%(3.5)1.27%
CMG Financial-0.01%(3.5)8.72%
Ameris Bank-0.01%(3.5)1.22%
BancorpSouth Bank-0.01%(3.5)1.48%
NewRez-0.00%(3.5)0.16%
PNC Bank0.00%(3.5)0.32%
First Savings Bank0.00%(3.5)2.11%
Freedom Mortgage Corporation0.01%(3.5)0.16%
Guild Mortgage Company0.01%(3.5)3.70%
BBVA0.01%(3.5)1.37%
Flagstar Bank0.02%(3.5)0.58%
Renasant Bank0.02%(3.5)9.40%
Quicken Loans0.03%(3.5)4.70%
First Choice Loan Services0.03%(3.5)3.17%
FirstBank TN0.04%(3.5)2.01%
Caliber Home Loans0.04%(3.5)0.58%
USAA0.04%(3.5)2.01%
Regions Bank0.05%(3.5)2.43%
Mr. Cooper0.05%(3.0)0.11%
New American Funding0.06%(3.0)1.95%
HomeBridge Financial Services0.06%(3.0)0.16%
HomeStar Financial0.06%(3.0)2.11%
Mortgage Investors Group0.06%(3.0)1.00%
InterLinc Mortgage Services0.08%(3.0)4.28%
Guaranty Mortgage Services0.10%(3.0)1.53%
Primary Residential Mortgage Inc0.10%(3.0)1.43%
Benchmark0.13%(3.0)2.75%
Navy Federal Credit Union0.34%(2.0)3.01%
Lender NameRate DifferenceRate RatingMarket Share
Truist Bank-0.16%(4.5)5.42%
CenterState Bank-0.10%(4.0)4.71%
MAX Credit Union-0.10%(4.0)0.89%
Stifel Bank & Trust-0.08%(4.0)1.78%
SunTrust Bank-0.08%(4.0)4.18%
Synovus Bank-0.07%(4.0)0.80%
Mortgage Investors Group-0.06%(4.0)1.24%
US Bank-0.06%(4.0)1.96%
HomeStar Financial-0.06%(4.0)0.98%
Ameris Bank-0.06%(4.0)0.80%
Renasant Bank-0.06%(4.0)11.38%
CMG Financial-0.05%(3.5)4.62%
Flagstar Bank-0.05%(3.5)0.44%
Bank of America-0.04%(3.5)0.98%
loanDepot-0.03%(3.5)2.93%
Trustmark National Bank-0.03%(3.5)0.98%
Fairway Independent Mortgage Corporation-0.03%(3.5)0.36%
First Federal Bank of Florida-0.02%(3.5)0.27%
Home Point Financial Corporation-0.02%(3.5)0.71%
NewRez-0.01%(3.5)1.78%
Caliber Home Loans-0.01%(3.5)0.89%
Carrington Mortgage Services-0.01%(3.5)0.44%
USAA-0.00%(3.5)0.80%
PNC Bank-0.00%(3.5)3.38%
Vanderbilt Mortgage-0.00%(3.5)0.71%
First Community Mortgage-0.00%(3.5)1.07%
InterLinc Mortgage Services-0.00%(3.5)1.96%
Guaranty Mortgage Services0.00%(3.5)0.09%
First Savings Bank0.00%(3.5)0.98%
Guild Mortgage Company0.01%(3.5)1.24%
Navy Federal Credit Union0.01%(3.5)1.16%
Keller Mortgage0.02%(3.5)0.09%
Freedom Mortgage Corporation0.02%(3.5)0.27%
BancorpSouth Bank0.02%(3.5)0.62%
Southern Trust Mortgage0.03%(3.5)0.09%
FirstBank TN0.03%(3.5)0.62%
New American Funding0.03%(3.5)0.89%
JPMorgan Chase Bank0.03%(3.5)2.58%
BBVA0.03%(3.5)1.07%
Benchmark0.04%(3.5)1.16%
Primary Residential Mortgage Inc0.04%(3.5)0.36%
PennyMac Loan Services0.05%(3.5)0.71%
First Choice Loan Services0.05%(3.0)1.16%
Wells Fargo Bank0.07%(3.0)6.31%
Regions Bank0.09%(3.0)1.78%
Quicken Loans0.11%(3.0)20.53%
Mr. Cooper0.14%(3.0)1.87%
Lender NameRate DifferenceRate RatingMarket Share
Home Point Financial Corporation-0.18%(4.5)2.24%
First Federal Bank of Florida-0.16%(4.5)1.26%
Flagstar Bank-0.13%(4.0)1.44%
Navy Federal Credit Union-0.12%(4.0)1.17%
BancorpSouth Bank-0.12%(4.0)1.35%
CenterState Bank-0.11%(4.0)0.81%
Renasant Bank-0.09%(4.0)6.91%
Regions Bank-0.08%(4.0)0.63%
Trustmark National Bank-0.08%(4.0)0.81%
Bank of America-0.07%(4.0)0.36%
Ameris Bank-0.07%(4.0)1.35%
Keller Mortgage-0.06%(4.0)0.72%
SunTrust Bank-0.06%(4.0)0.63%
PennyMac Loan Services-0.05%(4.0)0.72%
NewRez-0.04%(3.5)0.90%
HomeBridge Financial Services-0.04%(3.5)1.53%
Stifel Bank & Trust-0.04%(3.5)0.18%
Village Capital-0.04%(3.5)1.08%
US Bank-0.03%(3.5)0.09%
Benchmark-0.02%(3.5)6.91%
loanDepot-0.02%(3.5)1.53%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.26%
Freedom Mortgage Corporation-0.02%(3.5)1.53%
Quicken Loans-0.01%(3.5)12.03%
The Federal Savings Bank-0.01%(3.5)0.18%
Caliber Home Loans-0.01%(3.5)0.45%
Vanderbilt Mortgage-0.01%(3.5)2.96%
Mortgage Investors Group-0.01%(3.5)0.27%
First Savings Bank-0.01%(3.5)0.09%
BBVA-0.01%(3.5)0.36%
Wells Fargo Bank-0.00%(3.5)0.18%
InterLinc Mortgage Services0.02%(3.5)4.40%
FirstBank TN0.02%(3.5)2.96%
Primary Residential Mortgage Inc0.03%(3.5)5.83%
Guaranty Mortgage Services0.03%(3.5)0.63%
Mr. Cooper0.03%(3.5)2.24%
Carrington Mortgage Services0.03%(3.5)3.68%
Southern Trust Mortgage0.04%(3.5)1.35%
Guild Mortgage Company0.05%(3.5)4.58%
New American Funding0.05%(3.0)3.14%
CMG Financial0.08%(3.0)7.54%
HomeStar Financial0.09%(3.0)2.87%
First Choice Loan Services0.11%(3.0)8.89%
Lender NameRate DifferenceRate RatingMarket Share
Home Point Financial Corporation-0.20%(4.5)2.58%
First Federal Bank of Florida-0.18%(4.5)1.46%
Flagstar Bank-0.15%(4.0)1.68%
CenterState Bank-0.13%(4.0)0.90%
Navy Federal Credit Union-0.13%(4.0)1.46%
BancorpSouth Bank-0.13%(4.0)1.68%
PennyMac Loan Services-0.11%(4.0)0.45%
Renasant Bank-0.10%(4.0)8.06%
Regions Bank-0.10%(4.0)0.67%
Trustmark National Bank-0.09%(4.0)0.90%
Bank of America-0.08%(4.0)0.45%
Ameris Bank-0.08%(4.0)1.34%
SunTrust Bank-0.07%(4.0)0.67%
Keller Mortgage-0.07%(4.0)0.90%
HomeBridge Financial Services-0.05%(4.0)1.90%
Stifel Bank & Trust-0.05%(4.0)0.22%
NewRez-0.03%(3.5)0.11%
Freedom Mortgage Corporation-0.03%(3.5)1.34%
Benchmark-0.03%(3.5)8.17%
Fairway Independent Mortgage Corporation-0.03%(3.5)1.46%
loanDepot-0.03%(3.5)1.12%
BBVA-0.02%(3.5)0.34%
Caliber Home Loans-0.02%(3.5)0.34%
Mortgage Investors Group-0.02%(3.5)0.34%
Vanderbilt Mortgage-0.01%(3.5)3.47%
Wells Fargo Bank-0.01%(3.5)0.22%
Carrington Mortgage Services0.00%(3.5)1.01%
InterLinc Mortgage Services0.01%(3.5)5.26%
FirstBank TN0.02%(3.5)3.58%
Primary Residential Mortgage Inc0.02%(3.5)6.94%
Guaranty Mortgage Services0.02%(3.5)0.78%
Southern Trust Mortgage0.04%(3.5)1.68%
Mr. Cooper0.04%(3.5)1.23%
Guild Mortgage Company0.04%(3.5)5.60%
New American Funding0.05%(3.5)3.70%
Quicken Loans0.06%(3.0)5.15%
HomeStar Financial0.08%(3.0)3.58%
CMG Financial0.09%(3.0)8.51%
First Choice Loan Services0.11%(3.0)10.75%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.03%(3.5)39.82%
Renasant Bank-0.03%(3.5)2.26%
Ameris Bank-0.03%(3.5)1.36%
NewRez-0.02%(3.5)4.07%
Trustmark National Bank-0.01%(3.5)0.45%
Village Capital-0.01%(3.5)5.43%
Flagstar Bank-0.01%(3.5)0.45%
Vanderbilt Mortgage-0.01%(3.5)0.90%
SunTrust Bank-0.01%(3.5)0.45%
First Choice Loan Services-0.00%(3.5)1.36%
Benchmark-0.00%(3.5)1.81%
loanDepot-0.00%(3.5)3.17%
US Bank-0.00%(3.5)0.45%
First Federal Bank of Florida0.00%(3.5)0.45%
CMG Financial0.00%(3.5)3.62%
New American Funding0.00%(3.5)0.90%
Guild Mortgage Company0.01%(3.5)0.45%
Home Point Financial Corporation0.01%(3.5)0.90%
Primary Residential Mortgage Inc0.01%(3.5)1.36%
CenterState Bank0.01%(3.5)0.45%
Regions Bank0.01%(3.5)0.45%
InterLinc Mortgage Services0.01%(3.5)0.90%
Caliber Home Loans0.01%(3.5)0.90%
The Federal Savings Bank0.01%(3.5)0.90%
FirstBank TN0.02%(3.5)0.45%
Fairway Independent Mortgage Corporation0.02%(3.5)0.45%
First Savings Bank0.02%(3.5)0.45%
PennyMac Loan Services0.02%(3.5)1.81%
Freedom Mortgage Corporation0.03%(3.5)2.26%
BBVA0.03%(3.5)0.45%
Mr. Cooper0.05%(3.5)6.33%
Carrington Mortgage Services0.07%(3.0)14.48%
Lender NameRate DifferenceRate RatingMarket Share
Synovus Bank-0.02%(3.5)30.36%
Regions Bank-0.01%(3.5)3.57%
Wells Fargo Bank-0.01%(3.5)7.14%
Truist Bank-0.01%(3.5)8.93%
Bank of America0.00%(3.5)3.57%
BBVA0.00%(3.5)3.57%
SunTrust Bank0.01%(3.5)3.57%
Stifel Bank & Trust0.01%(3.5)5.36%
Quicken Loans0.01%(3.5)1.79%
Flagstar Bank0.01%(3.5)1.79%
CMG Financial0.02%(3.5)8.93%
JPMorgan Chase Bank0.02%(3.5)1.79%
Renasant Bank0.02%(3.5)5.36%
CenterState Bank0.02%(3.5)1.79%
US Bank0.02%(3.5)7.14%
Benchmark0.02%(3.5)1.79%
InterLinc Mortgage Services0.03%(3.5)3.57%
Lender NameRate DifferenceRate RatingMarket Share
Synovus Bank-0.02%(3.5)35.14%
Regions Bank-0.01%(3.5)5.41%
Wells Fargo Bank-0.01%(3.5)8.11%
Truist Bank-0.01%(3.5)10.81%
Bank of America0.00%(3.5)2.70%
US Bank0.02%(3.5)2.70%
SunTrust Bank0.02%(3.5)5.41%
Quicken Loans0.02%(3.5)2.70%
CMG Financial0.02%(3.5)8.11%
JPMorgan Chase Bank0.02%(3.5)2.70%
CenterState Bank0.02%(3.5)2.70%
Benchmark0.03%(3.5)2.70%
Renasant Bank0.03%(3.5)5.41%
InterLinc Mortgage Services0.03%(3.5)5.41%
Lender NameRate DifferenceRate RatingMarket Share
Truist Bank-0.01%(3.5)5.26%
Wells Fargo Bank-0.01%(3.5)5.26%
BBVA-0.01%(3.5)10.53%
Renasant Bank-0.00%(3.5)5.26%
Synovus Bank-0.00%(3.5)21.05%
Stifel Bank & Trust0.00%(3.5)15.79%
Bank of America0.00%(3.5)5.26%
Flagstar Bank0.00%(3.5)5.26%
CMG Financial0.00%(3.5)10.53%
US Bank0.01%(3.5)15.79%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.32%(5.0)7.69%
Keller Mortgage-0.11%(4.0)1.05%
Home Point Financial Corporation-0.10%(4.0)1.27%
loanDepot-0.10%(4.0)5.70%
Village Capital-0.09%(4.0)1.38%
Guild Mortgage Company-0.08%(4.0)3.93%
Caliber Home Loans-0.06%(4.0)0.50%
PennyMac Loan Services-0.06%(4.0)2.82%
CenterState Bank-0.05%(3.5)0.44%
USAA-0.05%(3.5)12.12%
Vanderbilt Mortgage-0.04%(3.5)3.49%
NewRez-0.04%(3.5)0.61%
Fairway Independent Mortgage Corporation-0.04%(3.5)0.55%
Ameris Bank-0.03%(3.5)0.50%
Stifel Bank & Trust-0.03%(3.5)0.11%
FirstBank TN-0.03%(3.5)1.55%
HomeBridge Financial Services-0.03%(3.5)0.89%
Regions Bank-0.03%(3.5)0.39%
PNC Bank-0.03%(3.5)0.06%
Primary Residential Mortgage Inc-0.03%(3.5)2.93%
First Community Mortgage-0.02%(3.5)0.06%
Trustmark National Bank-0.02%(3.5)0.17%
First Savings Bank-0.02%(3.5)0.22%
Truist Bank-0.02%(3.5)0.06%
Flagstar Bank-0.02%(3.5)1.16%
Bank of America-0.01%(3.5)0.11%
Wells Fargo Bank-0.01%(3.5)1.44%
JPMorgan Chase Bank-0.01%(3.5)0.06%
Mortgage Investors Group-0.01%(3.5)0.17%
New American Funding-0.01%(3.5)3.15%
Renasant Bank0.01%(3.5)3.49%
SunTrust Bank0.01%(3.5)0.33%
Southern Trust Mortgage0.01%(3.5)1.22%
CMG Financial0.01%(3.5)2.82%
First Federal Bank of Florida0.03%(3.5)1.00%
The Federal Savings Bank0.03%(3.5)1.94%
Freedom Mortgage Corporation0.04%(3.5)2.16%
Guaranty Mortgage Services0.04%(3.5)1.22%
InterLinc Mortgage Services0.05%(3.5)2.27%
Quicken Loans0.10%(3.0)5.87%
HomeStar Financial0.10%(3.0)3.65%
Benchmark0.11%(3.0)9.02%
Mr. Cooper0.12%(3.0)1.38%
First Choice Loan Services0.17%(2.5)1.94%
Carrington Mortgage Services0.19%(2.5)4.59%
NewDay USA0.45%(1.5)2.55%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.34%(5.0)9.56%
Keller Mortgage-0.10%(4.0)1.53%
Guild Mortgage Company-0.07%(4.0)4.90%
Home Point Financial Corporation-0.06%(4.0)0.72%
First Federal Bank of Florida-0.06%(4.0)0.64%
loanDepot-0.04%(3.5)3.78%
CenterState Bank-0.04%(3.5)0.64%
Freedom Mortgage Corporation-0.03%(3.5)1.04%
USAA-0.03%(3.5)14.94%
Fairway Independent Mortgage Corporation-0.03%(3.5)0.72%
Vanderbilt Mortgage-0.03%(3.5)4.98%
Stifel Bank & Trust-0.02%(3.5)0.16%
Primary Residential Mortgage Inc-0.02%(3.5)3.53%
Ameris Bank-0.02%(3.5)0.32%
PennyMac Loan Services-0.02%(3.5)0.56%
Regions Bank-0.02%(3.5)0.48%
PNC Bank-0.02%(3.5)0.08%
Trustmark National Bank-0.02%(3.5)0.16%
First Community Mortgage-0.01%(3.5)0.08%
FirstBank TN-0.01%(3.5)1.77%
Wells Fargo Bank-0.01%(3.5)1.93%
Bank of America-0.01%(3.5)0.16%
First Savings Bank-0.00%(3.5)0.08%
JPMorgan Chase Bank-0.00%(3.5)0.08%
Flagstar Bank-0.00%(3.5)1.12%
Mortgage Investors Group-0.00%(3.5)0.16%
NewRez0.00%(3.5)0.24%
New American Funding0.01%(3.5)4.34%
The Federal Savings Bank0.01%(3.5)0.16%
Caliber Home Loans0.01%(3.5)0.16%
NewDay USA0.02%(3.5)0.08%
Renasant Bank0.02%(3.5)4.50%
Southern Trust Mortgage0.02%(3.5)1.61%
SunTrust Bank0.03%(3.5)0.24%
CMG Financial0.03%(3.5)3.45%
Guaranty Mortgage Services0.05%(3.0)1.77%
HomeBridge Financial Services0.05%(3.0)0.32%
InterLinc Mortgage Services0.08%(3.0)2.73%
Quicken Loans0.09%(3.0)2.17%
HomeStar Financial0.12%(3.0)5.06%
Benchmark0.14%(3.0)12.05%
Mr. Cooper0.14%(3.0)1.12%
First Choice Loan Services0.19%(2.5)2.73%
Carrington Mortgage Services0.36%(1.5)3.13%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.16%(4.5)3.56%
loanDepot-0.16%(4.5)9.96%
Home Point Financial Corporation-0.14%(4.0)2.49%
Village Capital-0.12%(4.0)4.45%
Caliber Home Loans-0.10%(4.0)1.25%
USAA-0.10%(4.0)5.87%
Guild Mortgage Company-0.10%(4.0)1.78%
PennyMac Loan Services-0.09%(4.0)7.83%
FirstBank TN-0.08%(4.0)1.07%
Benchmark-0.08%(4.0)2.31%
HomeBridge Financial Services-0.07%(4.0)2.14%
NewRez-0.07%(4.0)1.42%
Flagstar Bank-0.06%(4.0)1.25%
Ameris Bank-0.06%(4.0)0.89%
InterLinc Mortgage Services-0.06%(4.0)1.25%
CMG Financial-0.05%(4.0)1.42%
Southern Trust Mortgage-0.05%(3.5)0.36%
First Savings Bank-0.05%(3.5)0.53%
New American Funding-0.05%(3.5)0.53%
Truist Bank-0.04%(3.5)0.18%
Fairway Independent Mortgage Corporation-0.04%(3.5)0.18%
Regions Bank-0.04%(3.5)0.18%
Trustmark National Bank-0.04%(3.5)0.18%
First Choice Loan Services-0.03%(3.5)0.18%
Renasant Bank-0.03%(3.5)1.25%
Mortgage Investors Group-0.03%(3.5)0.18%
SunTrust Bank-0.02%(3.5)0.53%
Vanderbilt Mortgage-0.02%(3.5)0.18%
Primary Residential Mortgage Inc-0.01%(3.5)1.60%
HomeStar Financial-0.01%(3.5)0.53%
Wells Fargo Bank0.01%(3.5)0.36%
The Federal Savings Bank0.02%(3.5)5.87%
Carrington Mortgage Services0.03%(3.5)7.83%
Freedom Mortgage Corporation0.06%(3.0)4.63%
Mr. Cooper0.08%(3.0)1.96%
Quicken Loans0.08%(3.0)14.06%
First Federal Bank of Florida0.09%(3.0)1.78%
NewDay USA0.43%(1.5)8.01%

* Data is compiled for the Columbus, GA commuting zone area, which comprises of counties of Lee County, AL, Macon County, AL, Russell County, AL, Chattahoochee County, GA, Harris County, GA, Meriwether County, GA, Muscogee County, GA, and Talbot County, GA. This includes cities/towns/communities of Columbus, GA as well as Auburn, AL, Opelika, AL, Phenix City, AL, Smiths Station, AL, Notasulga, AL, Hamilton, GA, Phenix City, AL, Waverly Hall, GA, Lone Oak, GA, West Point, GA, Ladonia, AL, Woodbury, GA, Shiloh, GA, Manchester, GA, Tuskegee, AL, Notasulga, AL, Pine Mountain, GA, Cusseta-Chattahoochee County unified government, GA, Woodland, GA, Shorter, AL, Junction City, GA, Talbotton, GA, Franklin, AL, and Hurtsboro, 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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