Top Mortgage Lenders in Grand Rapids, MI

Which mortgage lender in the Grand Rapids, MI 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 Grand Rapids, MI 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 Grand Rapids, MI area in terms of interest rate is HarborLight Credit Union, with an average “Rate Difference” of -0.19%. This means that, comparing similar borrowers, HarborLight Credit Union provided a -0.19% lower interest rate for its customers than other lenders in the area. HarborLight Credit Union has a market share of 0.3%. On the other hand, the most popular lender in the Grand Rapids, MI area is Lake Michigan Credit Union, with a larger market share of 19.3%. Lake Michigan Credit Union is also a relatively cheap lender, with a “Rate Difference” of -0.13% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Grand Rapids, MI 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, Old National Bank is the cheapest mortgage provider for Conventional and Jumbo mortgages in Grand Rapids, MI. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Lake Michigan Credit Union. 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 Grand Rapids, MI

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
HarborLight Credit Union	-0.19%	(4.5)	0.32%
Old National Bank	-0.19%	(4.5)	2.01%
TCF Bank	-0.17%	(4.5)	1.32%
Credit Union One	-0.16%	(4.5)	0.32%
Navy Federal Credit Union	-0.14%	(4.0)	0.28%
Lake Michigan Credit Union	-0.13%	(4.0)	19.35%
Huntington National Bank	-0.13%	(4.0)	4.49%
Bank of America	-0.13%	(4.0)	0.62%
Member First Mortgage	-0.12%	(4.0)	0.36%
Amerisave Mortgage Corporation	-0.11%	(4.0)	0.19%
USAA	-0.11%	(4.0)	0.50%
Keller Mortgage	-0.10%	(4.0)	0.25%
DFCU Financial	-0.09%	(4.0)	0.21%
Mercantile Bank of Michigan	-0.09%	(4.0)	2.33%
Fifth Third Bank	-0.08%	(4.0)	7.04%
NewRez	-0.08%	(4.0)	0.14%
PNC Bank	-0.08%	(4.0)	2.22%
Lakeview Loan Servicing	-0.06%	(4.0)	0.18%
JPMorgan Chase Bank	-0.06%	(4.0)	2.65%
Isabella Bank	-0.05%	(3.5)	0.16%
Ruoff Mortgage	-0.05%	(3.5)	0.11%
MSU Federal Credit Union	-0.04%	(3.5)	0.45%
Michigan First Credit Union	-0.04%	(3.5)	0.22%
Comerica Bank	-0.04%	(3.5)	0.12%
Macatawa Bank	-0.03%	(3.5)	1.34%
Caliber Home Loans	-0.03%	(3.5)	1.09%
US Bank	-0.03%	(3.5)	0.14%
Level One Bank	-0.03%	(3.5)	0.15%
PennyMac Loan Services	-0.03%	(3.5)	0.18%
New American Funding	-0.02%	(3.5)	0.18%
Polaris Home Funding Corp	-0.02%	(3.5)	0.31%
Panorama Mortgage Group	-0.01%	(3.5)	0.30%
Northpointe Bank	-0.01%	(3.5)	2.60%
United Federal Credit Union	-0.01%	(3.5)	0.36%
Adventure Credit Union	-0.01%	(3.5)	0.70%
Stockton Mortgage	0.00%	(3.5)	0.13%
Guaranteed Rate	0.00%	(3.5)	0.58%
Cason Home Loans	0.00%	(3.5)	0.17%
MiMutual Mortgage	0.00%	(3.5)	0.39%
loanDepot	0.01%	(3.5)	0.74%
Gold Star Mortgage Financial Group	0.01%	(3.5)	0.32%
Members First Credit Union MI	0.01%	(3.5)	0.11%
Austin Capital Bank	0.01%	(3.5)	0.25%
The Federal Savings Bank	0.01%	(3.5)	0.12%
Cardinal Financial Company	0.01%	(3.5)	0.10%
Carrington Mortgage Services	0.02%	(3.5)	0.41%
Honor Credit Union	0.03%	(3.5)	0.14%
Horicon Bank IN	0.03%	(3.5)	0.19%
Arbor Financial Credit Union	0.04%	(3.5)	0.74%
PrimeLending	0.04%	(3.5)	0.63%
Royal United Mortgage	0.04%	(3.5)	0.11%
PFCU	0.04%	(3.5)	0.50%
Independent Bank Michigan	0.05%	(3.5)	3.00%
VanDyk Mortgage Corporation	0.05%	(3.5)	1.46%
Preferred Credit Union	0.05%	(3.5)	0.22%
State Farm Bank	0.05%	(3.0)	0.10%
Wells Fargo Bank	0.05%	(3.0)	0.72%
HomeBridge Financial Services	0.06%	(3.0)	0.14%
Towne Mortgage Company	0.06%	(3.0)	1.29%
Freedom Mortgage Corporation	0.07%	(3.0)	0.32%
Dart Bank	0.07%	(3.0)	0.48%
Benchmark	0.08%	(3.0)	1.55%
Inlanta Mortgage	0.08%	(3.0)	0.94%
Union Home Mortgage	0.09%	(3.0)	1.56%
Mortgage Center	0.09%	(3.0)	0.59%
Northern Mortgage Services, LLC	0.09%	(3.0)	1.83%
AAC Credit Union	0.09%	(3.0)	0.33%
Flagstar Bank	0.10%	(3.0)	1.41%
Top Flite Financial, Inc	0.11%	(3.0)	0.30%
Member Mortgage Services	0.11%	(3.0)	0.53%
Waterstone Mortgage Corporation	0.13%	(3.0)	0.30%
Churchill Mortgage	0.13%	(3.0)	1.36%
Mortgage 1 Inc	0.14%	(3.0)	3.97%
Finance of America Mortgage	0.14%	(3.0)	2.25%
Consumers Credit Union Michigan	0.14%	(3.0)	1.72%
Neighborhood Loans	0.16%	(2.5)	4.44%
Quicken Loans	0.17%	(2.5)	7.29%
GreenStone Farm Credit Services	0.25%	(2.5)	0.26%
Amerifirst Home Mortgage	0.26%	(2.0)	0.77%
Mr. Cooper	0.28%	(2.0)	0.77%
Success Mortgage Partners	0.30%	(2.0)	1.16%
NewDay USA	0.32%	(2.0)	0.12%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.20%	(4.5)	0.56%
Navy Federal Credit Union	-0.20%	(4.5)	0.37%
TCF Bank	-0.20%	(4.5)	0.80%
Old National Bank	-0.17%	(4.5)	1.93%
Huntington National Bank	-0.15%	(4.5)	3.74%
JPMorgan Chase Bank	-0.14%	(4.0)	1.95%
Keller Mortgage	-0.14%	(4.0)	0.43%
USAA	-0.13%	(4.0)	0.66%
Lake Michigan Credit Union	-0.13%	(4.0)	22.80%
Wells Fargo Bank	-0.12%	(4.0)	0.57%
Fifth Third Bank	-0.10%	(4.0)	4.90%
PNC Bank	-0.09%	(4.0)	0.84%
DFCU Financial	-0.09%	(4.0)	0.12%
Credit Union One	-0.09%	(4.0)	0.10%
PennyMac Loan Services	-0.09%	(4.0)	0.03%
Lakeview Loan Servicing	-0.08%	(4.0)	0.01%
Freedom Mortgage Corporation	-0.08%	(4.0)	0.12%
Ruoff Mortgage	-0.08%	(4.0)	0.15%
Member First Mortgage	-0.08%	(4.0)	0.28%
NewRez	-0.07%	(4.0)	0.01%
Caliber Home Loans	-0.07%	(4.0)	1.19%
Mercantile Bank of Michigan	-0.07%	(4.0)	2.32%
US Bank	-0.07%	(4.0)	0.12%
Comerica Bank	-0.06%	(4.0)	0.07%
Isabella Bank	-0.06%	(4.0)	0.14%
Michigan First Credit Union	-0.06%	(4.0)	0.22%
Level One Bank	-0.06%	(4.0)	0.18%
Cardinal Financial Company	-0.05%	(4.0)	0.04%
The Federal Savings Bank	-0.05%	(3.5)	0.04%
Polaris Home Funding Corp	-0.04%	(3.5)	0.38%
MSU Federal Credit Union	-0.04%	(3.5)	0.46%
NewDay USA	-0.04%	(3.5)	0.03%
State Farm Bank	-0.04%	(3.5)	0.07%
loanDepot	-0.04%	(3.5)	0.14%
Stockton Mortgage	-0.04%	(3.5)	0.16%
Northpointe Bank	-0.03%	(3.5)	2.87%
HarborLight Credit Union	-0.03%	(3.5)	0.14%
Panorama Mortgage Group	-0.03%	(3.5)	0.30%
Royal United Mortgage	-0.03%	(3.5)	0.02%
New American Funding	-0.03%	(3.5)	0.17%
Cason Home Loans	-0.02%	(3.5)	0.22%
Austin Capital Bank	-0.02%	(3.5)	0.38%
Gold Star Mortgage Financial Group	-0.01%	(3.5)	0.45%
Guaranteed Rate	-0.01%	(3.5)	0.67%
Members First Credit Union MI	-0.01%	(3.5)	0.07%
Macatawa Bank	-0.01%	(3.5)	0.79%
MiMutual Mortgage	-0.00%	(3.5)	0.43%
Honor Credit Union	0.01%	(3.5)	0.16%
PrimeLending	0.01%	(3.5)	0.94%
Preferred Credit Union	0.01%	(3.5)	0.14%
United Federal Credit Union	0.01%	(3.5)	0.31%
Adventure Credit Union	0.02%	(3.5)	0.52%
VanDyk Mortgage Corporation	0.02%	(3.5)	2.06%
HomeBridge Financial Services	0.02%	(3.5)	0.07%
Horicon Bank IN	0.05%	(3.5)	0.17%
Carrington Mortgage Services	0.05%	(3.0)	0.15%
Quicken Loans	0.06%	(3.0)	3.19%
PFCU	0.07%	(3.0)	0.44%
Flagstar Bank	0.07%	(3.0)	1.73%
Towne Mortgage Company	0.07%	(3.0)	1.50%
Independent Bank Michigan	0.07%	(3.0)	3.16%
Dart Bank	0.07%	(3.0)	0.46%
AAC Credit Union	0.08%	(3.0)	0.32%
Benchmark	0.08%	(3.0)	2.05%
Member Mortgage Services	0.08%	(3.0)	0.69%
Arbor Financial Credit Union	0.09%	(3.0)	0.28%
Top Flite Financial, Inc	0.09%	(3.0)	0.44%
Finance of America Mortgage	0.09%	(3.0)	3.45%
Mortgage Center	0.09%	(3.0)	0.47%
Mr. Cooper	0.10%	(3.0)	0.25%
Waterstone Mortgage Corporation	0.10%	(3.0)	0.47%
Inlanta Mortgage	0.11%	(3.0)	1.21%
Northern Mortgage Services, LLC	0.12%	(3.0)	2.08%
Consumers Credit Union Michigan	0.14%	(3.0)	1.86%
Union Home Mortgage	0.14%	(3.0)	1.88%
Neighborhood Loans	0.16%	(2.5)	6.83%
Churchill Mortgage	0.17%	(2.5)	1.72%
Mortgage 1 Inc	0.18%	(2.5)	5.38%
Success Mortgage Partners	0.30%	(2.0)	1.89%
Amerifirst Home Mortgage	0.30%	(2.0)	1.08%
GreenStone Farm Credit Services	0.32%	(2.0)	0.22%

Lender Name	Rate Difference	Rate Rating	Market Share
Old National Bank	-0.22%	(4.5)	2.11%
HarborLight Credit Union	-0.21%	(4.5)	0.53%
Lake Michigan Credit Union	-0.17%	(4.5)	15.13%
Credit Union One	-0.14%	(4.0)	0.58%
Member First Mortgage	-0.14%	(4.0)	0.47%
TCF Bank	-0.14%	(4.0)	1.95%
Mercantile Bank of Michigan	-0.11%	(4.0)	2.33%
Huntington National Bank	-0.10%	(4.0)	5.41%
USAA	-0.09%	(4.0)	0.32%
Amerisave Mortgage Corporation	-0.07%	(4.0)	0.43%
DFCU Financial	-0.06%	(4.0)	0.32%
Union Home Mortgage	-0.05%	(3.5)	1.16%
Bank of America	-0.05%	(3.5)	0.71%
Fifth Third Bank	-0.04%	(3.5)	9.65%
MSU Federal Credit Union	-0.04%	(3.5)	0.43%
Navy Federal Credit Union	-0.04%	(3.5)	0.17%
NewRez	-0.04%	(3.5)	0.30%
PNC Bank	-0.04%	(3.5)	3.90%
Isabella Bank	-0.03%	(3.5)	0.17%
Lakeview Loan Servicing	-0.02%	(3.5)	0.38%
Macatawa Bank	-0.02%	(3.5)	2.00%
Mortgage 1 Inc	-0.02%	(3.5)	2.25%
New American Funding	-0.02%	(3.5)	0.19%
Michigan First Credit Union	-0.01%	(3.5)	0.22%
United Federal Credit Union	-0.01%	(3.5)	0.42%
Inlanta Mortgage	-0.01%	(3.5)	0.60%
Ruoff Mortgage	-0.01%	(3.5)	0.06%
Churchill Mortgage	-0.01%	(3.5)	0.93%
Adventure Credit Union	-0.00%	(3.5)	0.92%
Keller Mortgage	-0.00%	(3.5)	0.04%
Comerica Bank	0.00%	(3.5)	0.19%
Independent Bank Michigan	0.00%	(3.5)	2.81%
Level One Bank	0.00%	(3.5)	0.12%
Polaris Home Funding Corp	0.01%	(3.5)	0.22%
Gold Star Mortgage Financial Group	0.01%	(3.5)	0.17%
MiMutual Mortgage	0.01%	(3.5)	0.34%
Guaranteed Rate	0.01%	(3.5)	0.45%
Caliber Home Loans	0.01%	(3.5)	0.97%
Northpointe Bank	0.01%	(3.5)	2.26%
JPMorgan Chase Bank	0.01%	(3.5)	3.50%
US Bank	0.01%	(3.5)	0.16%
Panorama Mortgage Group	0.01%	(3.5)	0.31%
PennyMac Loan Services	0.02%	(3.5)	0.36%
Cason Home Loans	0.02%	(3.5)	0.10%
Neighborhood Loans	0.02%	(3.5)	1.54%
Northern Mortgage Services, LLC	0.03%	(3.5)	1.53%
Austin Capital Bank	0.03%	(3.5)	0.09%
Towne Mortgage Company	0.03%	(3.5)	1.03%
PFCU	0.03%	(3.5)	0.58%
Horicon Bank IN	0.03%	(3.5)	0.22%
Benchmark	0.04%	(3.5)	0.93%
Members First Credit Union MI	0.05%	(3.5)	0.17%
Honor Credit Union	0.05%	(3.5)	0.12%
Carrington Mortgage Services	0.05%	(3.5)	0.72%
loanDepot	0.05%	(3.5)	1.48%
Amerifirst Home Mortgage	0.05%	(3.5)	0.40%
Stockton Mortgage	0.05%	(3.0)	0.09%
Arbor Financial Credit Union	0.06%	(3.0)	1.31%
VanDyk Mortgage Corporation	0.06%	(3.0)	0.72%
Success Mortgage Partners	0.06%	(3.0)	0.28%
The Federal Savings Bank	0.06%	(3.0)	0.22%
PrimeLending	0.07%	(3.0)	0.25%
Cardinal Financial Company	0.07%	(3.0)	0.17%
Dart Bank	0.07%	(3.0)	0.50%
Royal United Mortgage	0.09%	(3.0)	0.22%
Top Flite Financial, Inc	0.09%	(3.0)	0.13%
Waterstone Mortgage Corporation	0.09%	(3.0)	0.08%
Preferred Credit Union	0.09%	(3.0)	0.31%
HomeBridge Financial Services	0.10%	(3.0)	0.22%
Mortgage Center	0.10%	(3.0)	0.74%
AAC Credit Union	0.11%	(3.0)	0.34%
State Farm Bank	0.12%	(3.0)	0.14%
Member Mortgage Services	0.14%	(3.0)	0.35%
Freedom Mortgage Corporation	0.14%	(3.0)	0.56%
Flagstar Bank	0.14%	(3.0)	1.02%
Consumers Credit Union Michigan	0.15%	(3.0)	1.55%
Wells Fargo Bank	0.19%	(2.5)	0.92%
GreenStone Farm Credit Services	0.20%	(2.5)	0.32%
Quicken Loans	0.24%	(2.5)	12.28%
Finance of America Mortgage	0.27%	(2.0)	0.78%
Mr. Cooper	0.36%	(1.5)	1.40%
NewDay USA	0.41%	(1.5)	0.24%

Lender Name	Rate Difference	Rate Rating	Market Share
Old National Bank	-0.21%	(4.5)	2.21%
HarborLight Credit Union	-0.21%	(4.5)	0.37%
TCF Bank	-0.18%	(4.5)	1.42%
Credit Union One	-0.17%	(4.5)	0.39%
Bank of America	-0.15%	(4.0)	0.70%
Amerisave Mortgage Corporation	-0.13%	(4.0)	0.18%
Member First Mortgage	-0.13%	(4.0)	0.39%
Lake Michigan Credit Union	-0.12%	(4.0)	21.66%
Huntington National Bank	-0.11%	(4.0)	4.65%
Keller Mortgage	-0.10%	(4.0)	0.25%
NewRez	-0.10%	(4.0)	0.12%
DFCU Financial	-0.10%	(4.0)	0.26%
Mercantile Bank of Michigan	-0.09%	(4.0)	2.71%
PNC Bank	-0.08%	(4.0)	2.60%
Fifth Third Bank	-0.08%	(4.0)	8.02%
JPMorgan Chase Bank	-0.07%	(4.0)	3.15%
Isabella Bank	-0.06%	(4.0)	0.19%
MSU Federal Credit Union	-0.05%	(4.0)	0.54%
Ruoff Mortgage	-0.05%	(3.5)	0.12%
Michigan First Credit Union	-0.05%	(3.5)	0.22%
Comerica Bank	-0.04%	(3.5)	0.15%
Macatawa Bank	-0.04%	(3.5)	1.58%
US Bank	-0.04%	(3.5)	0.15%
Level One Bank	-0.03%	(3.5)	0.18%
loanDepot	-0.03%	(3.5)	0.45%
New American Funding	-0.02%	(3.5)	0.10%
The Federal Savings Bank	-0.02%	(3.5)	0.02%
Polaris Home Funding Corp	-0.01%	(3.5)	0.23%
Adventure Credit Union	-0.01%	(3.5)	0.85%
United Federal Credit Union	-0.01%	(3.5)	0.42%
HomeBridge Financial Services	-0.01%	(3.5)	0.01%
Panorama Mortgage Group	-0.01%	(3.5)	0.20%
Austin Capital Bank	0.00%	(3.5)	0.20%
MiMutual Mortgage	0.00%	(3.5)	0.31%
Members First Credit Union MI	0.00%	(3.5)	0.14%
Guaranteed Rate	0.00%	(3.5)	0.53%
Cardinal Financial Company	0.00%	(3.5)	0.06%
Stockton Mortgage	0.01%	(3.5)	0.09%
Northpointe Bank	0.01%	(3.5)	2.71%
Gold Star Mortgage Financial Group	0.01%	(3.5)	0.23%
Cason Home Loans	0.01%	(3.5)	0.16%
USAA	0.01%	(3.5)	0.21%
Honor Credit Union	0.02%	(3.5)	0.18%
Arbor Financial Credit Union	0.03%	(3.5)	0.90%
Horicon Bank IN	0.03%	(3.5)	0.21%
PFCU	0.04%	(3.5)	0.62%
Carrington Mortgage Services	0.04%	(3.5)	0.13%
PrimeLending	0.04%	(3.5)	0.51%
Preferred Credit Union	0.04%	(3.5)	0.27%
Independent Bank Michigan	0.04%	(3.5)	3.34%
State Farm Bank	0.05%	(3.5)	0.12%
Wells Fargo Bank	0.05%	(3.0)	0.81%
Lakeview Loan Servicing	0.06%	(3.0)	0.03%
Union Home Mortgage	0.07%	(3.0)	1.56%
Dart Bank	0.07%	(3.0)	0.55%
PennyMac Loan Services	0.07%	(3.0)	0.07%
Inlanta Mortgage	0.08%	(3.0)	0.87%
AAC Credit Union	0.09%	(3.0)	0.40%
Towne Mortgage Company	0.09%	(3.0)	1.04%
Royal United Mortgage	0.09%	(3.0)	0.07%
Freedom Mortgage Corporation	0.09%	(3.0)	0.08%
Mortgage Center	0.10%	(3.0)	0.63%
Northern Mortgage Services, LLC	0.10%	(3.0)	1.77%
Navy Federal Credit Union	0.11%	(3.0)	0.10%
Member Mortgage Services	0.11%	(3.0)	0.51%
Caliber Home Loans	0.11%	(3.0)	0.66%
Mortgage 1 Inc	0.11%	(3.0)	3.52%
Benchmark	0.13%	(3.0)	1.21%
Waterstone Mortgage Corporation	0.13%	(3.0)	0.28%
Churchill Mortgage	0.14%	(3.0)	1.52%
Top Flite Financial, Inc	0.15%	(3.0)	0.21%
VanDyk Mortgage Corporation	0.15%	(2.5)	0.93%
Consumers Credit Union Michigan	0.16%	(2.5)	1.95%
Neighborhood Loans	0.16%	(2.5)	4.45%
Finance of America Mortgage	0.17%	(2.5)	1.93%
Flagstar Bank	0.17%	(2.5)	1.12%
Amerifirst Home Mortgage	0.23%	(2.5)	0.64%
GreenStone Farm Credit Services	0.25%	(2.5)	0.31%
Quicken Loans	0.26%	(2.0)	6.30%
Success Mortgage Partners	0.28%	(2.0)	0.55%
Mr. Cooper	0.44%	(1.5)	0.50%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.23%	(4.5)	0.67%
TCF Bank	-0.20%	(4.5)	0.82%
Old National Bank	-0.19%	(4.5)	2.26%
JPMorgan Chase Bank	-0.17%	(4.5)	2.39%
Keller Mortgage	-0.15%	(4.5)	0.43%
Wells Fargo Bank	-0.14%	(4.0)	0.62%
DFCU Financial	-0.11%	(4.0)	0.16%
Lake Michigan Credit Union	-0.11%	(4.0)	26.22%
PNC Bank	-0.11%	(4.0)	0.94%
Credit Union One	-0.11%	(4.0)	0.13%
Huntington National Bank	-0.11%	(4.0)	3.72%
Fifth Third Bank	-0.10%	(4.0)	5.50%
Cardinal Financial Company	-0.10%	(4.0)	0.02%
Ruoff Mortgage	-0.09%	(4.0)	0.16%
US Bank	-0.08%	(4.0)	0.13%
Comerica Bank	-0.08%	(4.0)	0.08%
Isabella Bank	-0.08%	(4.0)	0.18%
Michigan First Credit Union	-0.08%	(4.0)	0.20%
Mercantile Bank of Michigan	-0.07%	(4.0)	2.76%
HomeBridge Financial Services	-0.07%	(4.0)	0.01%
Level One Bank	-0.07%	(4.0)	0.20%
Member First Mortgage	-0.07%	(4.0)	0.27%
PennyMac Loan Services	-0.07%	(4.0)	0.02%
MSU Federal Credit Union	-0.06%	(4.0)	0.58%
Carrington Mortgage Services	-0.06%	(4.0)	0.02%
loanDepot	-0.06%	(4.0)	0.04%
State Farm Bank	-0.06%	(4.0)	0.08%
HarborLight Credit Union	-0.05%	(4.0)	0.16%
Polaris Home Funding Corp	-0.05%	(3.5)	0.32%
The Federal Savings Bank	-0.05%	(3.5)	0.03%
Stockton Mortgage	-0.05%	(3.5)	0.11%
Royal United Mortgage	-0.05%	(3.5)	0.02%
Austin Capital Bank	-0.04%	(3.5)	0.32%
USAA	-0.03%	(3.5)	0.35%
Members First Credit Union MI	-0.03%	(3.5)	0.08%
Macatawa Bank	-0.02%	(3.5)	0.95%
Cason Home Loans	-0.01%	(3.5)	0.20%
Guaranteed Rate	-0.01%	(3.5)	0.64%
Honor Credit Union	-0.01%	(3.5)	0.20%
Preferred Credit Union	-0.01%	(3.5)	0.18%
Freedom Mortgage Corporation	-0.01%	(3.5)	0.04%
Northpointe Bank	-0.01%	(3.5)	2.95%
Gold Star Mortgage Financial Group	-0.01%	(3.5)	0.30%
PrimeLending	-0.00%	(3.5)	0.74%
Adventure Credit Union	-0.00%	(3.5)	0.66%
MiMutual Mortgage	-0.00%	(3.5)	0.32%
United Federal Credit Union	0.01%	(3.5)	0.36%
Mr. Cooper	0.01%	(3.5)	0.09%
Panorama Mortgage Group	0.01%	(3.5)	0.14%
New American Funding	0.03%	(3.5)	0.08%
Horicon Bank IN	0.04%	(3.5)	0.19%
PFCU	0.05%	(3.5)	0.56%
AAC Credit Union	0.06%	(3.0)	0.41%
Independent Bank Michigan	0.07%	(3.0)	3.58%
Dart Bank	0.07%	(3.0)	0.54%
Arbor Financial Credit Union	0.07%	(3.0)	0.36%
Member Mortgage Services	0.07%	(3.0)	0.67%
Inlanta Mortgage	0.10%	(3.0)	1.14%
Waterstone Mortgage Corporation	0.10%	(3.0)	0.46%
Finance of America Mortgage	0.10%	(3.0)	2.95%
Mortgage Center	0.11%	(3.0)	0.50%
Navy Federal Credit Union	0.11%	(3.0)	0.14%
Caliber Home Loans	0.12%	(3.0)	0.70%
Quicken Loans	0.13%	(3.0)	2.86%
Union Home Mortgage	0.13%	(3.0)	1.86%
Towne Mortgage Company	0.13%	(3.0)	1.07%
Northern Mortgage Services, LLC	0.14%	(3.0)	2.01%
Benchmark	0.14%	(3.0)	1.59%
Top Flite Financial, Inc	0.14%	(3.0)	0.28%
Neighborhood Loans	0.15%	(2.5)	7.06%
Mortgage 1 Inc	0.15%	(2.5)	4.54%
Consumers Credit Union Michigan	0.16%	(2.5)	2.12%
Flagstar Bank	0.16%	(2.5)	1.30%
VanDyk Mortgage Corporation	0.16%	(2.5)	1.23%
Churchill Mortgage	0.18%	(2.5)	1.96%
Success Mortgage Partners	0.27%	(2.0)	0.90%
Amerifirst Home Mortgage	0.27%	(2.0)	0.91%
GreenStone Farm Credit Services	0.30%	(2.0)	0.28%

Lender Name	Rate Difference	Rate Rating	Market Share
Old National Bank	-0.24%	(4.5)	2.14%
HarborLight Credit Union	-0.21%	(4.5)	0.61%
Lake Michigan Credit Union	-0.17%	(4.5)	16.60%
Member First Mortgage	-0.14%	(4.0)	0.53%
TCF Bank	-0.14%	(4.0)	2.09%
Credit Union One	-0.14%	(4.0)	0.68%
Mercantile Bank of Michigan	-0.11%	(4.0)	2.67%
Huntington National Bank	-0.10%	(4.0)	5.67%
Amerisave Mortgage Corporation	-0.08%	(4.0)	0.39%
Union Home Mortgage	-0.06%	(4.0)	1.23%
DFCU Financial	-0.06%	(4.0)	0.37%
Bank of America	-0.05%	(4.0)	0.74%
NewRez	-0.05%	(4.0)	0.26%
Fifth Third Bank	-0.04%	(3.5)	10.83%
New American Funding	-0.04%	(3.5)	0.12%
MSU Federal Credit Union	-0.04%	(3.5)	0.50%
PNC Bank	-0.04%	(3.5)	4.45%
Mortgage 1 Inc	-0.03%	(3.5)	2.39%
Isabella Bank	-0.03%	(3.5)	0.20%
Macatawa Bank	-0.02%	(3.5)	2.27%
Inlanta Mortgage	-0.02%	(3.5)	0.57%
Michigan First Credit Union	-0.01%	(3.5)	0.23%
United Federal Credit Union	-0.01%	(3.5)	0.49%
Ruoff Mortgage	-0.01%	(3.5)	0.08%
Churchill Mortgage	-0.01%	(3.5)	1.03%
Adventure Credit Union	-0.00%	(3.5)	1.07%
Gold Star Mortgage Financial Group	-0.00%	(3.5)	0.17%
Keller Mortgage	0.00%	(3.5)	0.05%
Panorama Mortgage Group	0.00%	(3.5)	0.25%
Independent Bank Michigan	0.00%	(3.5)	3.06%
Comerica Bank	0.00%	(3.5)	0.23%
Level One Bank	0.00%	(3.5)	0.14%
Guaranteed Rate	0.00%	(3.5)	0.41%
MiMutual Mortgage	0.01%	(3.5)	0.29%
The Federal Savings Bank	0.01%	(3.5)	0.02%
Polaris Home Funding Corp	0.01%	(3.5)	0.14%
US Bank	0.02%	(3.5)	0.17%
JPMorgan Chase Bank	0.02%	(3.5)	3.99%
Northpointe Bank	0.02%	(3.5)	2.44%
Cason Home Loans	0.02%	(3.5)	0.11%
Neighborhood Loans	0.02%	(3.5)	1.55%
loanDepot	0.03%	(3.5)	0.90%
Navy Federal Credit Union	0.03%	(3.5)	0.06%
Towne Mortgage Company	0.03%	(3.5)	1.02%
Amerifirst Home Mortgage	0.03%	(3.5)	0.34%
Austin Capital Bank	0.03%	(3.5)	0.08%
Horicon Bank IN	0.03%	(3.5)	0.23%
Northern Mortgage Services, LLC	0.03%	(3.5)	1.51%
PFCU	0.03%	(3.5)	0.68%
Members First Credit Union MI	0.05%	(3.5)	0.20%
Honor Credit Union	0.05%	(3.5)	0.14%
USAA	0.05%	(3.0)	0.07%
Arbor Financial Credit Union	0.06%	(3.0)	1.50%
HomeBridge Financial Services	0.06%	(3.0)	0.01%
Benchmark	0.06%	(3.0)	0.80%
Dart Bank	0.07%	(3.0)	0.57%
Cardinal Financial Company	0.07%	(3.0)	0.10%
PrimeLending	0.07%	(3.0)	0.24%
Stockton Mortgage	0.07%	(3.0)	0.06%
VanDyk Mortgage Corporation	0.08%	(3.0)	0.60%
Preferred Credit Union	0.09%	(3.0)	0.36%
Caliber Home Loans	0.10%	(3.0)	0.63%
Carrington Mortgage Services	0.10%	(3.0)	0.24%
Waterstone Mortgage Corporation	0.10%	(3.0)	0.08%
Success Mortgage Partners	0.11%	(3.0)	0.16%
Top Flite Financial, Inc	0.11%	(3.0)	0.13%
Mortgage Center	0.11%	(3.0)	0.78%
Lakeview Loan Servicing	0.12%	(3.0)	0.06%
AAC Credit Union	0.12%	(3.0)	0.39%
State Farm Bank	0.12%	(3.0)	0.17%
PennyMac Loan Services	0.13%	(3.0)	0.13%
Member Mortgage Services	0.14%	(3.0)	0.34%
Consumers Credit Union Michigan	0.15%	(2.5)	1.77%
Royal United Mortgage	0.15%	(2.5)	0.13%
Freedom Mortgage Corporation	0.17%	(2.5)	0.12%
Flagstar Bank	0.17%	(2.5)	0.91%
Wells Fargo Bank	0.20%	(2.5)	1.02%
GreenStone Farm Credit Services	0.21%	(2.5)	0.35%
Finance of America Mortgage	0.29%	(2.0)	0.81%
Quicken Loans	0.33%	(2.0)	10.11%
Mr. Cooper	0.53%	(1.0)	0.96%

Lender Name	Rate Difference	Rate Rating	Market Share
Lake Michigan Credit Union	-0.46%	(5.0)	7.90%
Huntington National Bank	-0.31%	(5.0)	4.29%
TCF Bank	-0.21%	(4.5)	0.56%
Caliber Home Loans	-0.18%	(4.5)	3.00%
Fifth Third Bank	-0.17%	(4.5)	2.94%
Northpointe Bank	-0.16%	(4.5)	2.46%
Consumers Credit Union Michigan	-0.13%	(4.0)	0.66%
Mercantile Bank of Michigan	-0.13%	(4.0)	0.81%
Keller Mortgage	-0.13%	(4.0)	0.28%
Member First Mortgage	-0.07%	(4.0)	0.30%
PNC Bank	-0.07%	(4.0)	0.28%
Old National Bank	-0.07%	(4.0)	0.25%
Macatawa Bank	-0.06%	(4.0)	0.23%
Quicken Loans	-0.06%	(4.0)	12.49%
VanDyk Mortgage Corporation	-0.05%	(4.0)	4.93%
Bank of America	-0.05%	(3.5)	0.08%
Ruoff Mortgage	-0.03%	(3.5)	0.13%
United Federal Credit Union	-0.03%	(3.5)	0.08%
Amerisave Mortgage Corporation	-0.03%	(3.5)	0.15%
PennyMac Loan Services	-0.03%	(3.5)	0.46%
NewRez	-0.03%	(3.5)	0.20%
Level One Bank	-0.02%	(3.5)	0.08%
Flagstar Bank	-0.02%	(3.5)	2.92%
Comerica Bank	-0.02%	(3.5)	0.03%
Cason Home Loans	-0.01%	(3.5)	0.25%
Horicon Bank IN	-0.01%	(3.5)	0.03%
Lakeview Loan Servicing	-0.01%	(3.5)	0.71%
Mortgage Center	-0.01%	(3.5)	0.41%
Polaris Home Funding Corp	-0.01%	(3.5)	0.51%
The Federal Savings Bank	-0.00%	(3.5)	0.10%
New American Funding	0.00%	(3.5)	0.63%
Michigan First Credit Union	0.01%	(3.5)	0.30%
Royal United Mortgage	0.01%	(3.5)	0.33%
Panorama Mortgage Group	0.01%	(3.5)	1.04%
Guaranteed Rate	0.01%	(3.5)	0.74%
Navy Federal Credit Union	0.01%	(3.5)	0.03%
HarborLight Credit Union	0.01%	(3.5)	0.08%
Stockton Mortgage	0.02%	(3.5)	0.36%
Gold Star Mortgage Financial Group	0.02%	(3.5)	0.94%
MiMutual Mortgage	0.03%	(3.5)	0.86%
Dart Bank	0.03%	(3.5)	0.15%
Churchill Mortgage	0.03%	(3.5)	0.69%
JPMorgan Chase Bank	0.04%	(3.5)	0.05%
Towne Mortgage Company	0.04%	(3.5)	2.94%
Carrington Mortgage Services	0.04%	(3.5)	1.83%
Benchmark	0.05%	(3.5)	1.83%
Austin Capital Bank	0.05%	(3.0)	0.56%
Northern Mortgage Services, LLC	0.05%	(3.0)	2.49%
Independent Bank Michigan	0.06%	(3.0)	1.17%
Cardinal Financial Company	0.06%	(3.0)	0.33%
Freedom Mortgage Corporation	0.08%	(3.0)	1.07%
PrimeLending	0.08%	(3.0)	1.27%
Top Flite Financial, Inc	0.09%	(3.0)	0.89%
Finance of America Mortgage	0.11%	(3.0)	4.44%
Inlanta Mortgage	0.12%	(3.0)	1.52%
HomeBridge Financial Services	0.13%	(3.0)	0.76%
Waterstone Mortgage Corporation	0.13%	(3.0)	0.48%
Member Mortgage Services	0.14%	(3.0)	0.79%
Mr. Cooper	0.14%	(3.0)	2.39%
loanDepot	0.15%	(2.5)	1.47%
Neighborhood Loans	0.19%	(2.5)	5.05%
Union Home Mortgage	0.22%	(2.5)	1.68%
Mortgage 1 Inc	0.26%	(2.0)	7.03%
Success Mortgage Partners	0.37%	(1.5)	4.77%
Amerifirst Home Mortgage	0.39%	(1.5)	1.55%

Lender Name	Rate Difference	Rate Rating	Market Share
Lake Michigan Credit Union	-0.50%	(5.0)	9.62%
Huntington National Bank	-0.35%	(5.0)	4.20%
TCF Bank	-0.25%	(4.5)	0.63%
Caliber Home Loans	-0.21%	(4.5)	3.08%
Fifth Third Bank	-0.21%	(4.5)	3.01%
Northpointe Bank	-0.18%	(4.5)	2.97%
Mercantile Bank of Michigan	-0.15%	(4.5)	0.98%
Consumers Credit Union Michigan	-0.15%	(4.0)	0.84%
Keller Mortgage	-0.13%	(4.0)	0.38%
Member First Mortgage	-0.10%	(4.0)	0.35%
Old National Bank	-0.09%	(4.0)	0.28%
PNC Bank	-0.09%	(4.0)	0.35%
Macatawa Bank	-0.08%	(4.0)	0.24%
Quicken Loans	-0.08%	(4.0)	4.27%
VanDyk Mortgage Corporation	-0.06%	(4.0)	6.08%
Freedom Mortgage Corporation	-0.05%	(4.0)	0.45%
Bank of America	-0.05%	(4.0)	0.10%
Ruoff Mortgage	-0.04%	(3.5)	0.17%
Flagstar Bank	-0.04%	(3.5)	3.53%
United Federal Credit Union	-0.03%	(3.5)	0.10%
Mortgage Center	-0.03%	(3.5)	0.35%
Level One Bank	-0.02%	(3.5)	0.10%
Polaris Home Funding Corp	-0.02%	(3.5)	0.42%
Cason Home Loans	-0.02%	(3.5)	0.31%
The Federal Savings Bank	-0.02%	(3.5)	0.07%
Comerica Bank	-0.02%	(3.5)	0.03%
Horicon Bank IN	-0.02%	(3.5)	0.03%
Lakeview Loan Servicing	-0.02%	(3.5)	0.07%
New American Funding	-0.01%	(3.5)	0.56%
Panorama Mortgage Group	-0.01%	(3.5)	1.05%
NewRez	-0.01%	(3.5)	0.03%
Guaranteed Rate	0.00%	(3.5)	0.80%
Michigan First Credit Union	0.00%	(3.5)	0.35%
Navy Federal Credit Union	0.01%	(3.5)	0.03%
HarborLight Credit Union	0.01%	(3.5)	0.07%
Stockton Mortgage	0.02%	(3.5)	0.35%
Gold Star Mortgage Financial Group	0.02%	(3.5)	1.15%
Dart Bank	0.02%	(3.5)	0.17%
MiMutual Mortgage	0.03%	(3.5)	0.94%
Churchill Mortgage	0.03%	(3.5)	0.87%
JPMorgan Chase Bank	0.03%	(3.5)	0.03%
loanDepot	0.03%	(3.5)	0.56%
Royal United Mortgage	0.03%	(3.5)	0.03%
Towne Mortgage Company	0.04%	(3.5)	3.53%
Cardinal Financial Company	0.04%	(3.5)	0.10%
Benchmark	0.04%	(3.5)	2.17%
Austin Capital Bank	0.05%	(3.0)	0.70%
Independent Bank Michigan	0.06%	(3.0)	1.40%
Northern Mortgage Services, LLC	0.08%	(3.0)	2.55%
PrimeLending	0.08%	(3.0)	1.57%
Top Flite Financial, Inc	0.09%	(3.0)	1.19%
HomeBridge Financial Services	0.10%	(3.0)	0.31%
Finance of America Mortgage	0.10%	(3.0)	5.84%
Waterstone Mortgage Corporation	0.13%	(3.0)	0.63%
Carrington Mortgage Services	0.13%	(3.0)	0.66%
Member Mortgage Services	0.14%	(3.0)	0.84%
Inlanta Mortgage	0.15%	(3.0)	1.71%
Neighborhood Loans	0.19%	(2.5)	6.40%
Union Home Mortgage	0.22%	(2.5)	2.06%
Mr. Cooper	0.23%	(2.5)	0.91%
Mortgage 1 Inc	0.26%	(2.0)	9.34%
Success Mortgage Partners	0.39%	(1.5)	6.26%
Amerifirst Home Mortgage	0.44%	(1.5)	1.75%

Lender Name	Rate Difference	Rate Rating	Market Share
Lake Michigan Credit Union	-0.22%	(4.5)	3.34%
Huntington National Bank	-0.19%	(4.5)	4.54%
Caliber Home Loans	-0.10%	(4.0)	2.78%
Fifth Third Bank	-0.05%	(4.0)	2.78%
Quicken Loans	-0.04%	(3.5)	34.29%
TCF Bank	-0.04%	(3.5)	0.37%
Northpointe Bank	-0.02%	(3.5)	1.11%
Northern Mortgage Services, LLC	-0.02%	(3.5)	2.32%
Amerisave Mortgage Corporation	-0.02%	(3.5)	0.56%
NewRez	-0.02%	(3.5)	0.65%
PennyMac Loan Services	-0.02%	(3.5)	1.67%
Success Mortgage Partners	-0.00%	(3.5)	0.83%
Michigan First Credit Union	-0.00%	(3.5)	0.19%
Lakeview Loan Servicing	-0.00%	(3.5)	2.41%
Old National Bank	0.00%	(3.5)	0.19%
Mercantile Bank of Michigan	0.01%	(3.5)	0.37%
Consumers Credit Union Michigan	0.01%	(3.5)	0.19%
Inlanta Mortgage	0.01%	(3.5)	1.02%
MiMutual Mortgage	0.02%	(3.5)	0.65%
Austin Capital Bank	0.02%	(3.5)	0.19%
PNC Bank	0.02%	(3.5)	0.09%
Royal United Mortgage	0.02%	(3.5)	1.11%
Stockton Mortgage	0.02%	(3.5)	0.37%
Macatawa Bank	0.02%	(3.5)	0.19%
Carrington Mortgage Services	0.02%	(3.5)	4.91%
Polaris Home Funding Corp	0.02%	(3.5)	0.74%
Member First Mortgage	0.02%	(3.5)	0.19%
Churchill Mortgage	0.02%	(3.5)	0.19%
The Federal Savings Bank	0.02%	(3.5)	0.19%
Mortgage Center	0.02%	(3.5)	0.56%
HarborLight Credit Union	0.03%	(3.5)	0.09%
PrimeLending	0.03%	(3.5)	0.46%
Cason Home Loans	0.03%	(3.5)	0.09%
Dart Bank	0.03%	(3.5)	0.09%
Towne Mortgage Company	0.03%	(3.5)	1.39%
New American Funding	0.03%	(3.5)	0.83%
Guaranteed Rate	0.04%	(3.5)	0.56%
Waterstone Mortgage Corporation	0.04%	(3.5)	0.09%
Top Flite Financial, Inc	0.04%	(3.5)	0.09%
VanDyk Mortgage Corporation	0.04%	(3.5)	1.85%
Independent Bank Michigan	0.04%	(3.5)	0.56%
Neighborhood Loans	0.05%	(3.5)	1.48%
JPMorgan Chase Bank	0.05%	(3.0)	0.09%
Gold Star Mortgage Financial Group	0.06%	(3.0)	0.37%
Panorama Mortgage Group	0.06%	(3.0)	1.02%
Mortgage 1 Inc	0.07%	(3.0)	0.93%
Cardinal Financial Company	0.08%	(3.0)	0.93%
Benchmark	0.08%	(3.0)	0.93%
Flagstar Bank	0.08%	(3.0)	1.30%
Finance of America Mortgage	0.12%	(3.0)	0.74%
Mr. Cooper	0.12%	(3.0)	6.30%
Member Mortgage Services	0.12%	(3.0)	0.65%
Union Home Mortgage	0.12%	(3.0)	0.65%
Amerifirst Home Mortgage	0.13%	(3.0)	1.02%
Freedom Mortgage Corporation	0.14%	(3.0)	2.69%
HomeBridge Financial Services	0.15%	(3.0)	1.95%
loanDepot	0.21%	(2.5)	3.89%

Lender Name	Rate Difference	Rate Rating	Market Share
Old National Bank	-0.07%	(4.0)	15.18%
Fifth Third Bank	-0.01%	(3.5)	4.17%
PNC Bank	-0.01%	(3.5)	3.27%
Huntington National Bank	-0.00%	(3.5)	4.17%
US Bank	0.00%	(3.5)	1.19%
JPMorgan Chase Bank	0.00%	(3.5)	5.36%
loanDepot	0.01%	(3.5)	0.30%
State Farm Bank	0.01%	(3.5)	0.30%
Guaranteed Rate	0.01%	(3.5)	1.19%
United Federal Credit Union	0.01%	(3.5)	0.30%
Keller Mortgage	0.01%	(3.5)	0.60%
Arbor Financial Credit Union	0.01%	(3.5)	0.60%
Wells Fargo Bank	0.01%	(3.5)	2.98%
Lake Michigan Credit Union	0.01%	(3.5)	34.82%
Adventure Credit Union	0.01%	(3.5)	0.60%
Inlanta Mortgage	0.01%	(3.5)	0.30%
Mortgage 1 Inc	0.01%	(3.5)	0.89%
Bank of America	0.01%	(3.5)	3.57%
Mercantile Bank of Michigan	0.02%	(3.5)	0.60%
GreenStone Farm Credit Services	0.02%	(3.5)	0.60%
Mortgage Center	0.02%	(3.5)	0.30%
Dart Bank	0.02%	(3.5)	0.30%
Towne Mortgage Company	0.02%	(3.5)	0.30%
Navy Federal Credit Union	0.02%	(3.5)	0.60%
TCF Bank	0.02%	(3.5)	2.98%
MSU Federal Credit Union	0.02%	(3.5)	0.30%
Horicon Bank IN	0.02%	(3.5)	1.19%
Northpointe Bank	0.03%	(3.5)	0.60%
Benchmark	0.03%	(3.5)	0.60%
Flagstar Bank	0.03%	(3.5)	0.60%
Macatawa Bank	0.03%	(3.5)	1.79%
Consumers Credit Union Michigan	0.03%	(3.5)	1.49%
Independent Bank Michigan	0.03%	(3.5)	6.85%
Quicken Loans	0.05%	(3.5)	1.19%

Lender Name	Rate Difference	Rate Rating	Market Share
Old National Bank	-0.03%	(3.5)	11.56%
Fifth Third Bank	-0.02%	(3.5)	4.76%
US Bank	-0.01%	(3.5)	2.04%
Lake Michigan Credit Union	-0.00%	(3.5)	40.14%
State Farm Bank	-0.00%	(3.5)	0.68%
TCF Bank	-0.00%	(3.5)	2.04%
JPMorgan Chase Bank	-0.00%	(3.5)	6.12%
Guaranteed Rate	0.00%	(3.5)	2.04%
Mortgage 1 Inc	0.00%	(3.5)	0.68%
United Federal Credit Union	0.00%	(3.5)	0.68%
Macatawa Bank	0.00%	(3.5)	0.68%
Keller Mortgage	0.00%	(3.5)	1.36%
PNC Bank	0.00%	(3.5)	1.36%
Bank of America	0.00%	(3.5)	2.04%
Wells Fargo Bank	0.01%	(3.5)	4.08%
Adventure Credit Union	0.01%	(3.5)	0.68%
Mortgage Center	0.01%	(3.5)	0.68%
Huntington National Bank	0.01%	(3.5)	2.04%
Dart Bank	0.01%	(3.5)	0.68%
Towne Mortgage Company	0.01%	(3.5)	0.68%
Horicon Bank IN	0.01%	(3.5)	0.68%
Mercantile Bank of Michigan	0.01%	(3.5)	0.68%
MSU Federal Credit Union	0.01%	(3.5)	0.68%
Northpointe Bank	0.02%	(3.5)	0.68%
Flagstar Bank	0.02%	(3.5)	1.36%
Quicken Loans	0.03%	(3.5)	0.68%
Consumers Credit Union Michigan	0.03%	(3.5)	2.72%
Benchmark	0.03%	(3.5)	0.68%
Independent Bank Michigan	0.05%	(3.5)	6.80%

Lender Name	Rate Difference	Rate Rating	Market Share
Old National Bank	-0.08%	(4.0)	17.99%
Huntington National Bank	-0.01%	(3.5)	5.82%
PNC Bank	-0.00%	(3.5)	4.76%
Fifth Third Bank	0.00%	(3.5)	3.70%
JPMorgan Chase Bank	0.01%	(3.5)	4.76%
Wells Fargo Bank	0.01%	(3.5)	2.12%
Adventure Credit Union	0.01%	(3.5)	0.53%
loanDepot	0.01%	(3.5)	0.53%
Guaranteed Rate	0.01%	(3.5)	0.53%
Arbor Financial Credit Union	0.02%	(3.5)	1.06%
Mercantile Bank of Michigan	0.02%	(3.5)	0.53%
Inlanta Mortgage	0.02%	(3.5)	0.53%
Bank of America	0.02%	(3.5)	4.76%
GreenStone Farm Credit Services	0.02%	(3.5)	1.06%
US Bank	0.02%	(3.5)	0.53%
Mortgage 1 Inc	0.02%	(3.5)	1.06%
Lake Michigan Credit Union	0.02%	(3.5)	30.69%
Independent Bank Michigan	0.02%	(3.5)	6.88%
Navy Federal Credit Union	0.02%	(3.5)	1.06%
Benchmark	0.02%	(3.5)	0.53%
TCF Bank	0.03%	(3.5)	3.70%
Horicon Bank IN	0.03%	(3.5)	1.59%
Northpointe Bank	0.03%	(3.5)	0.53%
Macatawa Bank	0.04%	(3.5)	2.65%
Consumers Credit Union Michigan	0.04%	(3.5)	0.53%
Quicken Loans	0.06%	(3.0)	1.59%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.24%	(4.5)	4.21%
Lake Michigan Credit Union	-0.17%	(4.5)	6.16%
USAA	-0.15%	(4.0)	7.32%
Lakeview Loan Servicing	-0.11%	(4.0)	1.45%
TCF Bank	-0.10%	(4.0)	1.16%
Caliber Home Loans	-0.08%	(4.0)	3.63%
Fifth Third Bank	-0.06%	(4.0)	1.52%
PennyMac Loan Services	-0.05%	(4.0)	1.45%
Wells Fargo Bank	-0.05%	(3.5)	0.65%
Consumers Credit Union Michigan	-0.04%	(3.5)	0.51%
loanDepot	-0.04%	(3.5)	4.13%
Huntington National Bank	-0.03%	(3.5)	2.39%
Amerisave Mortgage Corporation	-0.03%	(3.5)	0.58%
Keller Mortgage	-0.02%	(3.5)	0.15%
New American Funding	-0.02%	(3.5)	0.44%
Northpointe Bank	-0.02%	(3.5)	1.38%
Cason Home Loans	-0.01%	(3.5)	0.15%
Member First Mortgage	-0.01%	(3.5)	0.15%
PNC Bank	-0.01%	(3.5)	0.51%
PrimeLending	-0.01%	(3.5)	1.16%
Northern Mortgage Services, LLC	-0.01%	(3.5)	1.45%
Bank of America	-0.01%	(3.5)	0.07%
Member Mortgage Services	-0.01%	(3.5)	0.29%
HomeBridge Financial Services	-0.01%	(3.5)	0.80%
Polaris Home Funding Corp	-0.00%	(3.5)	1.16%
Guaranteed Rate	-0.00%	(3.5)	0.80%
Horicon Bank IN	-0.00%	(3.5)	0.07%
Panorama Mortgage Group	-0.00%	(3.5)	0.22%
Towne Mortgage Company	-0.00%	(3.5)	1.23%
Old National Bank	-0.00%	(3.5)	0.29%
Benchmark	-0.00%	(3.5)	7.03%
VanDyk Mortgage Corporation	0.00%	(3.5)	1.52%
Cardinal Financial Company	0.00%	(3.5)	0.22%
Churchill Mortgage	0.00%	(3.5)	0.80%
Top Flite Financial, Inc	0.00%	(3.5)	0.36%
US Bank	0.01%	(3.5)	0.15%
NewRez	0.01%	(3.5)	0.36%
Dart Bank	0.01%	(3.5)	0.07%
Mortgage Center	0.01%	(3.5)	0.36%
United Federal Credit Union	0.01%	(3.5)	0.07%
Waterstone Mortgage Corporation	0.01%	(3.5)	0.07%
Austin Capital Bank	0.01%	(3.5)	0.29%
Stockton Mortgage	0.02%	(3.5)	0.22%
JPMorgan Chase Bank	0.02%	(3.5)	0.29%
Royal United Mortgage	0.03%	(3.5)	0.22%
MiMutual Mortgage	0.03%	(3.5)	0.58%
Inlanta Mortgage	0.04%	(3.5)	0.58%
Independent Bank Michigan	0.04%	(3.5)	1.23%
Mr. Cooper	0.04%	(3.5)	1.23%
Gold Star Mortgage Financial Group	0.05%	(3.0)	0.29%
The Federal Savings Bank	0.05%	(3.0)	1.96%
Flagstar Bank	0.06%	(3.0)	2.61%
Union Home Mortgage	0.06%	(3.0)	1.52%
Carrington Mortgage Services	0.06%	(3.0)	1.60%
Finance of America Mortgage	0.08%	(3.0)	2.32%
Quicken Loans	0.08%	(3.0)	11.89%
Neighborhood Loans	0.08%	(3.0)	3.70%
Freedom Mortgage Corporation	0.10%	(3.0)	2.61%
Success Mortgage Partners	0.11%	(3.0)	2.32%
Amerifirst Home Mortgage	0.12%	(3.0)	1.09%
Mortgage 1 Inc	0.15%	(3.0)	4.21%
NewDay USA	0.34%	(2.0)	2.76%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.27%	(5.0)	6.20%
Lake Michigan Credit Union	-0.15%	(4.0)	8.36%
USAA	-0.13%	(4.0)	9.37%
Fifth Third Bank	-0.05%	(3.5)	1.44%
TCF Bank	-0.05%	(3.5)	0.86%
Huntington National Bank	-0.04%	(3.5)	2.74%
Wells Fargo Bank	-0.03%	(3.5)	1.15%
PennyMac Loan Services	-0.03%	(3.5)	0.43%
Consumers Credit Union Michigan	-0.03%	(3.5)	0.86%
Quicken Loans	-0.02%	(3.5)	5.62%
Keller Mortgage	-0.00%	(3.5)	0.29%
Caliber Home Loans	0.00%	(3.5)	3.03%
Guaranteed Rate	0.00%	(3.5)	0.58%
Northpointe Bank	0.00%	(3.5)	1.44%
Cason Home Loans	0.00%	(3.5)	0.29%
PNC Bank	0.01%	(3.5)	0.86%
Member First Mortgage	0.01%	(3.5)	0.29%
Mr. Cooper	0.01%	(3.5)	0.72%
PrimeLending	0.01%	(3.5)	2.31%
Member Mortgage Services	0.01%	(3.5)	0.43%
NewRez	0.01%	(3.5)	0.14%
Northern Mortgage Services, LLC	0.01%	(3.5)	1.87%
Horicon Bank IN	0.02%	(3.5)	0.14%
Old National Bank	0.02%	(3.5)	0.43%
The Federal Savings Bank	0.02%	(3.5)	0.14%
Cardinal Financial Company	0.02%	(3.5)	0.14%
Polaris Home Funding Corp	0.03%	(3.5)	1.44%
Freedom Mortgage Corporation	0.03%	(3.5)	0.29%
Top Flite Financial, Inc	0.03%	(3.5)	0.43%
Dart Bank	0.03%	(3.5)	0.14%
United Federal Credit Union	0.03%	(3.5)	0.14%
US Bank	0.03%	(3.5)	0.14%
Mortgage Center	0.03%	(3.5)	0.29%
Waterstone Mortgage Corporation	0.03%	(3.5)	0.14%
loanDepot	0.03%	(3.5)	0.29%
Benchmark	0.03%	(3.5)	10.66%
Towne Mortgage Company	0.03%	(3.5)	1.44%
NewDay USA	0.04%	(3.5)	0.72%
Churchill Mortgage	0.04%	(3.5)	1.01%
Austin Capital Bank	0.04%	(3.5)	0.43%
New American Funding	0.04%	(3.5)	0.29%
Panorama Mortgage Group	0.04%	(3.5)	0.14%
VanDyk Mortgage Corporation	0.04%	(3.5)	1.73%
Stockton Mortgage	0.04%	(3.5)	0.29%
JPMorgan Chase Bank	0.04%	(3.5)	0.58%
Gold Star Mortgage Financial Group	0.07%	(3.0)	0.58%
Inlanta Mortgage	0.07%	(3.0)	0.72%
MiMutual Mortgage	0.07%	(3.0)	0.43%
Independent Bank Michigan	0.08%	(3.0)	1.59%
HomeBridge Financial Services	0.08%	(3.0)	0.29%
Union Home Mortgage	0.08%	(3.0)	2.02%
Flagstar Bank	0.08%	(3.0)	2.45%
Finance of America Mortgage	0.10%	(3.0)	4.03%
Neighborhood Loans	0.11%	(3.0)	5.62%
Carrington Mortgage Services	0.12%	(3.0)	0.58%
Amerifirst Home Mortgage	0.16%	(2.5)	1.73%
Success Mortgage Partners	0.17%	(2.5)	3.03%
Mortgage 1 Inc	0.19%	(2.5)	6.20%

Lender Name	Rate Difference	Rate Rating	Market Share
Lake Michigan Credit Union	-0.18%	(4.5)	3.94%
USAA	-0.16%	(4.5)	5.26%
Caliber Home Loans	-0.14%	(4.0)	4.23%
TCF Bank	-0.14%	(4.0)	1.46%
Lakeview Loan Servicing	-0.13%	(4.0)	2.92%
Navy Federal Credit Union	-0.12%	(4.0)	2.19%
PennyMac Loan Services	-0.07%	(4.0)	2.48%
Fifth Third Bank	-0.07%	(4.0)	1.61%
Benchmark	-0.07%	(4.0)	3.36%
New American Funding	-0.06%	(4.0)	0.58%
loanDepot	-0.06%	(4.0)	8.03%
Amerisave Mortgage Corporation	-0.05%	(4.0)	1.17%
VanDyk Mortgage Corporation	-0.05%	(3.5)	1.31%
Towne Mortgage Company	-0.05%	(3.5)	1.02%
Northpointe Bank	-0.04%	(3.5)	1.31%
Polaris Home Funding Corp	-0.04%	(3.5)	0.88%
HomeBridge Financial Services	-0.04%	(3.5)	1.31%
Churchill Mortgage	-0.04%	(3.5)	0.58%
Panorama Mortgage Group	-0.03%	(3.5)	0.29%
Northern Mortgage Services, LLC	-0.03%	(3.5)	1.02%
Austin Capital Bank	-0.03%	(3.5)	0.15%
Old National Bank	-0.03%	(3.5)	0.15%
Bank of America	-0.03%	(3.5)	0.15%
Consumers Credit Union Michigan	-0.03%	(3.5)	0.15%
PNC Bank	-0.02%	(3.5)	0.15%
Wells Fargo Bank	-0.02%	(3.5)	0.15%
Cardinal Financial Company	-0.02%	(3.5)	0.29%
Huntington National Bank	-0.02%	(3.5)	2.04%
Top Flite Financial, Inc	-0.02%	(3.5)	0.29%
Independent Bank Michigan	-0.02%	(3.5)	0.88%
Guaranteed Rate	-0.02%	(3.5)	1.02%
Member Mortgage Services	-0.02%	(3.5)	0.15%
US Bank	-0.01%	(3.5)	0.15%
Finance of America Mortgage	-0.01%	(3.5)	0.58%
Mortgage Center	-0.01%	(3.5)	0.44%
NewRez	-0.01%	(3.5)	0.58%
Inlanta Mortgage	-0.01%	(3.5)	0.44%
MiMutual Mortgage	-0.01%	(3.5)	0.73%
Stockton Mortgage	0.00%	(3.5)	0.15%
Amerifirst Home Mortgage	0.00%	(3.5)	0.44%
Success Mortgage Partners	0.01%	(3.5)	1.61%
Royal United Mortgage	0.01%	(3.5)	0.44%
Union Home Mortgage	0.02%	(3.5)	1.02%
Flagstar Bank	0.03%	(3.5)	2.77%
Neighborhood Loans	0.03%	(3.5)	1.75%
The Federal Savings Bank	0.03%	(3.5)	3.80%
Carrington Mortgage Services	0.04%	(3.5)	2.63%
Mortgage 1 Inc	0.04%	(3.5)	2.19%
Mr. Cooper	0.05%	(3.5)	1.75%
Freedom Mortgage Corporation	0.09%	(3.0)	4.96%
Quicken Loans	0.10%	(3.0)	18.25%
NewDay USA	0.37%	(1.5)	4.82%

* Data is compiled for the Grand Rapids, MI commuting zone area, which comprises of counties of Allegan County, MI, Barry County, MI, Ionia County, MI, Kent County, MI, Montcalm County, MI, Muskegon County, MI, Newaygo County, MI, Oceana County, MI, and Ottawa County, MI. This includes cities/towns/communities of Grand Rapids, MI as well as Wyoming, MI, Kentwood, MI, Forest Hills, MI, Jenison, MI, Norton Shores, MI, Grand Haven, MI, Holland, MI, Rockford, MI, Muskegon, MI, Comstock Park, MI, Allendale, MI, Cutlerville, MI, East Grand Rapids, MI, Northview, MI, Byron Center, MI, Grandville, MI, Walker, MI, Beechwood, MI, Greenville, MI, Hastings, MI, Lowell, MI, Zeeland, MI, Spring Lake, MI, Middleville, MI, Saugatuck, MI, Allegan, MI, Caledonia, MI, Hudsonville, MI, Delton, MI, North Muskegon, MI, Plainwell, MI, Lyons, MI, Portland, MI, Ionia, MI, Otsego, MI, Wolf Lake, MI, Holland, MI, Sparta, MI, Fruitport, MI, Wayland, MI, Clarksville, MI, Twin Lake, MI, Howard City, MI, Freeport, MI, Whitehall, MI, Newaygo, MI, Fremont, MI, Ravenna, MI, Fennville, MI, and Sheridan, MI. 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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