Top Mortgage Lenders in Mobile, AL

Which mortgage lender in the Mobile, AL area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Mobile, AL area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Mobile, AL area in terms of interest rate is Trustmark National Bank, with an average “Rate Difference” of -0.18%. This means that, comparing similar borrowers, Trustmark National Bank provided a -0.18% lower interest rate for its customers than other lenders in the area. Trustmark National Bank has a market share of 9.6%. On the other hand, the most popular lender in the Mobile, AL area is Quicken Loans, with a larger market share of 9.7%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.12% compared to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed ranking of mortgage lenders in the Mobile, AL area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Mobile, AL is Trustmark National 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 Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Trustmark National Bank. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Mobile, AL

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank-0.18%(4.5)9.65%
GMFS Mortgage-0.10%(4.0)3.88%
DHI Mortgage Company Limited-0.10%(4.0)5.25%
Tyndall Federal Credit Union-0.09%(4.0)0.96%
CenterState Bank-0.07%(4.0)1.56%
Fairway Independent Mortgage Corporation-0.06%(4.0)4.26%
Guaranty Home Mortgage Corporation-0.06%(4.0)0.95%
Amerisave Mortgage Corporation-0.05%(4.0)0.46%
Alabama Credit Union-0.05%(4.0)0.52%
BancorpSouth Bank-0.05%(4.0)3.71%
Hancock Whitney Bank-0.05%(3.5)1.37%
Bank of America-0.05%(3.5)0.49%
Truist Bank-0.04%(3.5)0.79%
SouthPoint Bank-0.04%(3.5)1.12%
SWBC Mortgage-0.04%(3.5)1.59%
Navy Federal Credit Union-0.04%(3.5)2.02%
First Federal Bank-0.04%(3.5)0.88%
Wells Fargo Bank-0.04%(3.5)2.90%
Renasant Bank-0.02%(3.5)1.90%
JPMorgan Chase Bank-0.02%(3.5)0.75%
IBERIABANK-0.02%(3.5)1.32%
loanDepot-0.01%(3.5)1.56%
PNC Bank-0.01%(3.5)2.39%
PennyMac Loan Services-0.01%(3.5)0.84%
USAA-0.01%(3.5)1.61%
Community Bank of Mississippi-0.01%(3.5)1.17%
Magnolia Bank-0.00%(3.5)0.48%
Home Point Financial Corporation0.00%(3.5)3.02%
DSLD Mortgage0.01%(3.5)0.62%
Resource Financial Services0.01%(3.5)0.40%
FirstBank TN0.02%(3.5)3.50%
Regions Bank0.02%(3.5)6.76%
Freedom Mortgage Corporation0.03%(3.5)0.87%
Carrington Mortgage Services0.03%(3.5)0.62%
CMG Financial0.03%(3.5)1.38%
HomeTrust Mortgage Company0.03%(3.5)0.83%
Direct Mortgage Loans0.04%(3.5)0.54%
Nations Lending Corporation0.05%(3.0)0.35%
Crescent Mortgage Company0.05%(3.0)0.41%
Cardinal Financial Company0.05%(3.0)0.33%
BBVA0.06%(3.0)1.30%
The Mortgage Connection0.07%(3.0)0.97%
Bank of England AR0.08%(3.0)1.08%
Caliber Home Loans0.08%(3.0)1.70%
Acopia Home Loans0.08%(3.0)0.38%
Southeast Mortgage of Georgia0.08%(3.0)0.35%
PrimeLending0.09%(3.0)1.14%
Movement Mortgage0.11%(3.0)2.11%
Hamilton Mortgage Corporation0.11%(3.0)0.68%
Quicken Loans0.12%(3.0)9.73%
Mr. Cooper0.12%(3.0)0.91%
Southwest Funding0.14%(3.0)0.39%
LendUS LLC0.15%(3.0)0.42%
Hometown Lenders0.15%(2.5)0.96%
Embrace Home Loans0.31%(2.0)2.21%
Supreme Lending0.35%(2.0)1.28%
NewDay USA0.37%(1.5)0.42%
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank-0.18%(4.5)10.39%
GMFS Mortgage-0.11%(4.0)4.38%
Wells Fargo Bank-0.09%(4.0)2.89%
Tyndall Federal Credit Union-0.09%(4.0)0.82%
DHI Mortgage Company Limited-0.09%(4.0)7.61%
Regions Bank-0.07%(4.0)5.67%
Bank of America-0.06%(4.0)0.43%
Fairway Independent Mortgage Corporation-0.06%(4.0)5.45%
Guaranty Home Mortgage Corporation-0.06%(4.0)1.07%
Freedom Mortgage Corporation-0.06%(4.0)0.68%
CenterState Bank-0.05%(4.0)1.47%
BancorpSouth Bank-0.05%(3.5)4.51%
Truist Bank-0.04%(3.5)0.64%
PNC Bank-0.04%(3.5)0.77%
SouthPoint Bank-0.04%(3.5)1.40%
SWBC Mortgage-0.03%(3.5)2.14%
First Federal Bank-0.03%(3.5)0.92%
Navy Federal Credit Union-0.03%(3.5)2.52%
JPMorgan Chase Bank-0.02%(3.5)0.61%
Hancock Whitney Bank-0.02%(3.5)1.30%
IBERIABANK-0.01%(3.5)1.30%
Alabama Credit Union-0.01%(3.5)0.25%
Renasant Bank-0.00%(3.5)1.99%
Community Bank of Mississippi0.01%(3.5)1.31%
USAA0.01%(3.5)1.86%
DSLD Mortgage0.02%(3.5)0.91%
Resource Financial Services0.02%(3.5)0.51%
loanDepot0.02%(3.5)0.46%
Magnolia Bank0.02%(3.5)0.42%
PennyMac Loan Services0.03%(3.5)0.18%
Home Point Financial Corporation0.04%(3.5)2.84%
Amerisave Mortgage Corporation0.04%(3.5)0.18%
HomeTrust Mortgage Company0.05%(3.5)1.21%
FirstBank TN0.05%(3.5)4.06%
Crescent Mortgage Company0.05%(3.0)0.46%
Direct Mortgage Loans0.06%(3.0)0.73%
The Mortgage Connection0.06%(3.0)0.85%
BBVA0.06%(3.0)1.15%
Nations Lending Corporation0.06%(3.0)0.43%
CMG Financial0.07%(3.0)1.37%
Carrington Mortgage Services0.09%(3.0)0.16%
Cardinal Financial Company0.09%(3.0)0.28%
NewDay USA0.09%(3.0)0.07%
Acopia Home Loans0.10%(3.0)0.48%
Mr. Cooper0.10%(3.0)0.49%
PrimeLending0.11%(3.0)1.59%
Southeast Mortgage of Georgia0.11%(3.0)0.37%
Bank of England AR0.11%(3.0)1.21%
Caliber Home Loans0.11%(3.0)1.85%
Hamilton Mortgage Corporation0.13%(3.0)0.73%
Movement Mortgage0.14%(3.0)2.59%
LendUS LLC0.16%(2.5)0.60%
Hometown Lenders0.17%(2.5)1.34%
Southwest Funding0.17%(2.5)0.46%
Quicken Loans0.18%(2.5)5.24%
Embrace Home Loans0.36%(1.5)2.84%
Supreme Lending0.39%(1.5)1.56%
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank-0.19%(4.5)8.02%
CenterState Bank-0.12%(4.0)1.75%
Amerisave Mortgage Corporation-0.11%(4.0)1.07%
Tyndall Federal Credit Union-0.11%(4.0)1.27%
Hancock Whitney Bank-0.10%(4.0)1.53%
Alabama Credit Union-0.09%(4.0)1.10%
Navy Federal Credit Union-0.09%(4.0)0.94%
FirstBank TN-0.08%(4.0)2.27%
GMFS Mortgage-0.08%(4.0)2.79%
Renasant Bank-0.08%(4.0)1.69%
Home Point Financial Corporation-0.06%(4.0)3.41%
First Federal Bank-0.05%(4.0)0.78%
USAA-0.05%(4.0)1.07%
Truist Bank-0.05%(4.0)1.10%
loanDepot-0.04%(3.5)3.96%
Community Bank of Mississippi-0.04%(3.5)0.88%
CMG Financial-0.04%(3.5)1.40%
Magnolia Bank-0.04%(3.5)0.62%
PennyMac Loan Services-0.04%(3.5)2.27%
Bank of America-0.03%(3.5)0.62%
Guaranty Home Mortgage Corporation-0.03%(3.5)0.68%
BancorpSouth Bank-0.03%(3.5)1.95%
Resource Financial Services-0.03%(3.5)0.16%
PNC Bank-0.03%(3.5)5.91%
IBERIABANK-0.02%(3.5)1.36%
SouthPoint Bank-0.02%(3.5)0.52%
JPMorgan Chase Bank-0.02%(3.5)1.04%
SWBC Mortgage-0.02%(3.5)0.39%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.66%
Movement Mortgage-0.02%(3.5)1.07%
Caliber Home Loans-0.02%(3.5)1.40%
Embrace Home Loans-0.02%(3.5)0.84%
Bank of England AR-0.01%(3.5)0.81%
DHI Mortgage Company Limited-0.01%(3.5)0.10%
LendUS LLC-0.01%(3.5)0.03%
Carrington Mortgage Services-0.01%(3.5)1.62%
Direct Mortgage Loans-0.00%(3.5)0.13%
Cardinal Financial Company-0.00%(3.5)0.42%
Acopia Home Loans-0.00%(3.5)0.16%
Southwest Funding0.00%(3.5)0.23%
PrimeLending0.01%(3.5)0.16%
Southeast Mortgage of Georgia0.01%(3.5)0.29%
Nations Lending Corporation0.02%(3.5)0.16%
Hometown Lenders0.03%(3.5)0.13%
Hamilton Mortgage Corporation0.05%(3.5)0.58%
BBVA0.06%(3.0)1.62%
Quicken Loans0.07%(3.0)19.52%
Crescent Mortgage Company0.07%(3.0)0.29%
The Mortgage Connection0.07%(3.0)1.23%
Wells Fargo Bank0.09%(3.0)2.92%
Freedom Mortgage Corporation0.11%(3.0)1.27%
Mr. Cooper0.12%(3.0)1.82%
Regions Bank0.14%(3.0)9.13%
Supreme Lending0.16%(2.5)0.65%
NewDay USA0.38%(1.5)1.17%
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank-0.16%(4.5)11.26%
DHI Mortgage Company Limited-0.16%(4.5)3.96%
Tyndall Federal Credit Union-0.11%(4.0)1.19%
GMFS Mortgage-0.10%(4.0)3.56%
Amerisave Mortgage Corporation-0.09%(4.0)0.48%
CenterState Bank-0.08%(4.0)2.23%
SWBC Mortgage-0.08%(4.0)1.29%
Alabama Credit Union-0.06%(4.0)0.75%
Bank of America-0.06%(4.0)0.66%
Truist Bank-0.06%(4.0)1.00%
First Federal Bank-0.05%(4.0)1.06%
loanDepot-0.05%(4.0)1.15%
BancorpSouth Bank-0.05%(4.0)4.70%
Hancock Whitney Bank-0.04%(3.5)1.39%
Wells Fargo Bank-0.04%(3.5)3.87%
Resource Financial Services-0.04%(3.5)0.25%
JPMorgan Chase Bank-0.03%(3.5)0.92%
IBERIABANK-0.03%(3.5)1.56%
Carrington Mortgage Services-0.03%(3.5)0.19%
Renasant Bank-0.02%(3.5)2.14%
PNC Bank-0.02%(3.5)3.43%
USAA-0.01%(3.5)0.98%
Fairway Independent Mortgage Corporation-0.01%(3.5)2.76%
SouthPoint Bank-0.01%(3.5)0.92%
Community Bank of Mississippi0.00%(3.5)1.33%
Guaranty Home Mortgage Corporation0.01%(3.5)0.83%
FirstBank TN0.01%(3.5)3.74%
Direct Mortgage Loans0.02%(3.5)0.47%
CMG Financial0.02%(3.5)1.05%
DSLD Mortgage0.02%(3.5)0.64%
Regions Bank0.03%(3.5)8.73%
Cardinal Financial Company0.03%(3.5)0.27%
Home Point Financial Corporation0.04%(3.5)2.93%
Nations Lending Corporation0.04%(3.5)0.20%
PrimeLending0.04%(3.5)1.05%
HomeTrust Mortgage Company0.05%(3.5)0.47%
PennyMac Loan Services0.05%(3.5)0.37%
Bank of England AR0.06%(3.0)1.05%
Hometown Lenders0.06%(3.0)0.42%
BBVA0.06%(3.0)1.84%
The Mortgage Connection0.07%(3.0)1.40%
Magnolia Bank0.07%(3.0)0.11%
Caliber Home Loans0.07%(3.0)1.37%
Acopia Home Loans0.08%(3.0)0.25%
Crescent Mortgage Company0.08%(3.0)0.45%
LendUS LLC0.08%(3.0)0.28%
Southeast Mortgage of Georgia0.09%(3.0)0.36%
Freedom Mortgage Corporation0.09%(3.0)0.25%
Southwest Funding0.10%(3.0)0.25%
Hamilton Mortgage Corporation0.11%(3.0)1.00%
Movement Mortgage0.12%(3.0)2.45%
Quicken Loans0.13%(3.0)10.14%
Mr. Cooper0.14%(3.0)0.58%
Embrace Home Loans0.19%(2.5)0.97%
Navy Federal Credit Union0.20%(2.5)1.33%
Supreme Lending0.38%(1.5)1.75%
Lender NameRate DifferenceRate RatingMarket Share
DHI Mortgage Company Limited-0.15%(4.0)6.12%
Trustmark National Bank-0.14%(4.0)11.95%
Tyndall Federal Credit Union-0.11%(4.0)0.97%
Wells Fargo Bank-0.11%(4.0)3.92%
GMFS Mortgage-0.11%(4.0)4.02%
Regions Bank-0.08%(4.0)7.23%
Bank of America-0.08%(4.0)0.63%
SWBC Mortgage-0.07%(4.0)1.89%
Truist Bank-0.07%(4.0)0.80%
CenterState Bank-0.06%(4.0)2.23%
PNC Bank-0.06%(4.0)1.06%
JPMorgan Chase Bank-0.05%(4.0)0.73%
BancorpSouth Bank-0.05%(4.0)6.00%
First Federal Bank-0.05%(3.5)1.19%
Resource Financial Services-0.03%(3.5)0.31%
IBERIABANK-0.03%(3.5)1.67%
Alabama Credit Union-0.01%(3.5)0.39%
Fairway Independent Mortgage Corporation-0.00%(3.5)3.43%
SouthPoint Bank0.00%(3.5)1.09%
Renasant Bank0.01%(3.5)2.15%
loanDepot0.01%(3.5)0.41%
Hancock Whitney Bank0.01%(3.5)1.23%
USAA0.02%(3.5)1.19%
Community Bank of Mississippi0.02%(3.5)1.52%
Freedom Mortgage Corporation0.02%(3.5)0.12%
PennyMac Loan Services0.03%(3.5)0.15%
Direct Mortgage Loans0.03%(3.5)0.65%
Amerisave Mortgage Corporation0.03%(3.5)0.12%
DSLD Mortgage0.03%(3.5)0.99%
Guaranty Home Mortgage Corporation0.03%(3.5)0.85%
FirstBank TN0.04%(3.5)4.55%
Nations Lending Corporation0.05%(3.0)0.31%
PrimeLending0.05%(3.0)1.55%
The Mortgage Connection0.06%(3.0)1.26%
HomeTrust Mortgage Company0.06%(3.0)0.73%
Cardinal Financial Company0.06%(3.0)0.19%
BBVA0.06%(3.0)1.72%
Carrington Mortgage Services0.06%(3.0)0.02%
CMG Financial0.07%(3.0)0.99%
Hometown Lenders0.07%(3.0)0.60%
Bank of England AR0.08%(3.0)1.26%
Mr. Cooper0.08%(3.0)0.24%
Caliber Home Loans0.08%(3.0)1.74%
Magnolia Bank0.09%(3.0)0.12%
Crescent Mortgage Company0.09%(3.0)0.48%
Acopia Home Loans0.09%(3.0)0.39%
Home Point Financial Corporation0.09%(3.0)2.78%
LendUS LLC0.10%(3.0)0.41%
Southeast Mortgage of Georgia0.12%(3.0)0.36%
Hamilton Mortgage Corporation0.14%(3.0)1.11%
Southwest Funding0.14%(3.0)0.27%
Movement Mortgage0.15%(2.5)3.22%
Quicken Loans0.20%(2.5)5.49%
Embrace Home Loans0.24%(2.5)1.21%
Navy Federal Credit Union0.26%(2.0)1.74%
Supreme Lending0.43%(1.5)2.25%
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank-0.20%(4.5)10.01%
Amerisave Mortgage Corporation-0.13%(4.0)1.14%
CenterState Bank-0.12%(4.0)2.24%
Hancock Whitney Bank-0.11%(4.0)1.67%
Tyndall Federal Credit Union-0.11%(4.0)1.58%
Alabama Credit Union-0.10%(4.0)1.41%
loanDepot-0.08%(4.0)2.50%
FirstBank TN-0.08%(4.0)2.28%
Navy Federal Credit Union-0.08%(4.0)0.57%
Renasant Bank-0.08%(4.0)2.11%
USAA-0.07%(4.0)0.61%
GMFS Mortgage-0.07%(4.0)2.72%
First Federal Bank-0.07%(4.0)0.83%
CMG Financial-0.06%(4.0)1.14%
Carrington Mortgage Services-0.05%(4.0)0.48%
Truist Bank-0.05%(3.5)1.36%
Home Point Financial Corporation-0.05%(3.5)3.21%
Community Bank of Mississippi-0.04%(3.5)0.97%
SWBC Mortgage-0.03%(3.5)0.22%
Resource Financial Services-0.03%(3.5)0.13%
Guaranty Home Mortgage Corporation-0.03%(3.5)0.79%
Bank of America-0.03%(3.5)0.70%
IBERIABANK-0.03%(3.5)1.36%
BancorpSouth Bank-0.03%(3.5)2.33%
PNC Bank-0.02%(3.5)7.73%
SouthPoint Bank-0.02%(3.5)0.61%
JPMorgan Chase Bank-0.02%(3.5)1.27%
Movement Mortgage-0.01%(3.5)1.05%
DHI Mortgage Company Limited-0.01%(3.5)0.04%
Fairway Independent Mortgage Corporation-0.01%(3.5)1.54%
Bank of England AR-0.01%(3.5)0.66%
LendUS LLC-0.00%(3.5)0.04%
Cardinal Financial Company0.00%(3.5)0.40%
Direct Mortgage Loans0.00%(3.5)0.13%
PrimeLending0.01%(3.5)0.13%
Hometown Lenders0.01%(3.5)0.09%
Embrace Home Loans0.01%(3.5)0.53%
Southwest Funding0.02%(3.5)0.22%
Southeast Mortgage of Georgia0.02%(3.5)0.35%
Magnolia Bank0.03%(3.5)0.09%
PennyMac Loan Services0.04%(3.5)0.79%
Caliber Home Loans0.05%(3.5)0.70%
Hamilton Mortgage Corporation0.05%(3.0)0.79%
BBVA0.06%(3.0)2.06%
Crescent Mortgage Company0.07%(3.0)0.40%
The Mortgage Connection0.07%(3.0)1.67%
Quicken Loans0.08%(3.0)18.58%
Wells Fargo Bank0.10%(3.0)3.78%
Freedom Mortgage Corporation0.10%(3.0)0.48%
Mr. Cooper0.14%(3.0)1.19%
Regions Bank0.16%(2.5)11.46%
Supreme Lending0.18%(2.5)0.83%
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank-0.33%(5.0)7.02%
Guaranty Home Mortgage Corporation-0.16%(4.5)1.74%
GMFS Mortgage-0.16%(4.5)5.23%
Fairway Independent Mortgage Corporation-0.14%(4.0)9.12%
Hancock Whitney Bank-0.11%(4.0)1.18%
SouthPoint Bank-0.10%(4.0)2.10%
Regions Bank-0.08%(4.0)2.92%
BancorpSouth Bank-0.07%(4.0)2.31%
Home Point Financial Corporation-0.07%(4.0)3.38%
Tyndall Federal Credit Union-0.06%(4.0)0.51%
Freedom Mortgage Corporation-0.06%(4.0)1.28%
Community Bank of Mississippi-0.05%(3.5)1.23%
Crescent Mortgage Company-0.05%(3.5)0.36%
DHI Mortgage Company Limited-0.04%(3.5)7.74%
Renasant Bank-0.03%(3.5)2.15%
DSLD Mortgage-0.02%(3.5)0.26%
Magnolia Bank-0.02%(3.5)0.72%
CenterState Bank0.00%(3.5)0.10%
SWBC Mortgage0.01%(3.5)2.77%
Navy Federal Credit Union0.01%(3.5)0.26%
PNC Bank0.02%(3.5)0.31%
Supreme Lending0.02%(3.5)0.26%
FirstBank TN0.02%(3.5)3.02%
First Federal Bank0.03%(3.5)0.67%
IBERIABANK0.03%(3.5)0.56%
Truist Bank0.03%(3.5)0.10%
HomeTrust Mortgage Company0.04%(3.5)2.31%
Southeast Mortgage of Georgia0.04%(3.5)0.26%
Resource Financial Services0.05%(3.5)1.03%
PennyMac Loan Services0.05%(3.5)0.62%
Amerisave Mortgage Corporation0.05%(3.5)0.51%
Hamilton Mortgage Corporation0.05%(3.0)0.05%
loanDepot0.06%(3.0)1.13%
Carrington Mortgage Services0.06%(3.0)1.64%
Wells Fargo Bank0.06%(3.0)0.05%
CMG Financial0.06%(3.0)2.61%
Quicken Loans0.06%(3.0)9.89%
Nations Lending Corporation0.08%(3.0)0.67%
Movement Mortgage0.08%(3.0)1.49%
Acopia Home Loans0.08%(3.0)0.56%
Cardinal Financial Company0.09%(3.0)0.67%
Direct Mortgage Loans0.09%(3.0)0.82%
Mr. Cooper0.12%(3.0)1.69%
Caliber Home Loans0.13%(3.0)2.61%
Bank of England AR0.14%(3.0)1.33%
Southwest Funding0.19%(2.5)0.97%
PrimeLending0.21%(2.5)1.79%
Hometown Lenders0.21%(2.5)2.97%
LendUS LLC0.25%(2.5)0.92%
Embrace Home Loans0.41%(1.5)6.10%
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank-0.34%(5.0)8.05%
Guaranty Home Mortgage Corporation-0.18%(4.5)1.89%
GMFS Mortgage-0.17%(4.5)5.37%
Fairway Independent Mortgage Corporation-0.14%(4.0)10.25%
Hancock Whitney Bank-0.12%(4.0)1.28%
Freedom Mortgage Corporation-0.11%(4.0)1.16%
SouthPoint Bank-0.09%(4.0)2.50%
Regions Bank-0.09%(4.0)3.17%
BancorpSouth Bank-0.08%(4.0)2.44%
Home Point Financial Corporation-0.07%(4.0)3.17%
Tyndall Federal Credit Union-0.06%(4.0)0.61%
Community Bank of Mississippi-0.05%(4.0)1.22%
Crescent Mortgage Company-0.04%(3.5)0.43%
DHI Mortgage Company Limited-0.04%(3.5)9.09%
Renasant Bank-0.02%(3.5)2.38%
DSLD Mortgage-0.01%(3.5)0.31%
Magnolia Bank-0.01%(3.5)0.85%
CenterState Bank0.01%(3.5)0.12%
SWBC Mortgage0.01%(3.5)2.99%
Navy Federal Credit Union0.01%(3.5)0.31%
PNC Bank0.02%(3.5)0.31%
First Federal Bank0.02%(3.5)0.61%
FirstBank TN0.03%(3.5)3.36%
Supreme Lending0.03%(3.5)0.31%
PennyMac Loan Services0.03%(3.5)0.06%
IBERIABANK0.03%(3.5)0.67%
Truist Bank0.04%(3.5)0.12%
HomeTrust Mortgage Company0.04%(3.5)2.75%
Southeast Mortgage of Georgia0.05%(3.5)0.24%
Amerisave Mortgage Corporation0.05%(3.5)0.37%
loanDepot0.05%(3.5)0.37%
Resource Financial Services0.05%(3.0)1.10%
Hamilton Mortgage Corporation0.06%(3.0)0.06%
Wells Fargo Bank0.06%(3.0)0.06%
CMG Financial0.08%(3.0)2.38%
Nations Lending Corporation0.09%(3.0)0.67%
Movement Mortgage0.09%(3.0)1.65%
Direct Mortgage Loans0.10%(3.0)0.98%
Carrington Mortgage Services0.10%(3.0)0.49%
Acopia Home Loans0.10%(3.0)0.49%
Mr. Cooper0.11%(3.0)1.10%
Cardinal Financial Company0.12%(3.0)0.61%
Quicken Loans0.12%(3.0)5.55%
Bank of England AR0.18%(2.5)1.28%
Caliber Home Loans0.19%(2.5)2.32%
Southwest Funding0.21%(2.5)1.04%
PrimeLending0.22%(2.5)2.07%
Hometown Lenders0.22%(2.5)3.42%
LendUS LLC0.25%(2.0)1.10%
Embrace Home Loans0.43%(1.5)6.89%
Lender NameRate DifferenceRate RatingMarket Share
GMFS Mortgage-0.09%(4.0)4.49%
Home Point Financial Corporation-0.05%(4.0)4.49%
Trustmark National Bank-0.05%(3.5)1.60%
Fairway Independent Mortgage Corporation-0.04%(3.5)3.21%
Caliber Home Loans-0.04%(3.5)4.17%
Community Bank of Mississippi-0.04%(3.5)1.28%
Hancock Whitney Bank-0.03%(3.5)0.64%
Southwest Funding-0.02%(3.5)0.64%
Bank of England AR-0.01%(3.5)1.60%
Resource Financial Services-0.01%(3.5)0.64%
Guaranty Home Mortgage Corporation-0.01%(3.5)0.96%
Movement Mortgage-0.01%(3.5)0.64%
Quicken Loans-0.01%(3.5)32.69%
Cardinal Financial Company-0.01%(3.5)0.96%
SWBC Mortgage-0.01%(3.5)1.60%
DHI Mortgage Company Limited-0.00%(3.5)0.64%
Southeast Mortgage of Georgia-0.00%(3.5)0.32%
Renasant Bank0.00%(3.5)0.96%
BancorpSouth Bank0.00%(3.5)1.60%
CMG Financial0.01%(3.5)3.85%
PNC Bank0.01%(3.5)0.32%
FirstBank TN0.01%(3.5)1.28%
Carrington Mortgage Services0.02%(3.5)7.69%
Embrace Home Loans0.02%(3.5)1.92%
PennyMac Loan Services0.02%(3.5)3.53%
Acopia Home Loans0.02%(3.5)0.96%
Amerisave Mortgage Corporation0.03%(3.5)1.28%
First Federal Bank0.03%(3.5)0.96%
loanDepot0.03%(3.5)5.13%
Nations Lending Corporation0.03%(3.5)0.64%
PrimeLending0.04%(3.5)0.32%
Hometown Lenders0.06%(3.0)0.64%
Regions Bank0.06%(3.0)1.60%
Freedom Mortgage Corporation0.07%(3.0)1.92%
Mr. Cooper0.11%(3.0)4.81%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.05%(3.5)8.12%
Regions Bank-0.04%(3.5)18.12%
Hancock Whitney Bank-0.02%(3.5)8.75%
Truist Bank-0.01%(3.5)3.75%
Bank of America-0.01%(3.5)3.75%
BBVA-0.00%(3.5)5.00%
Quicken Loans0.00%(3.5)0.62%
FirstBank TN0.00%(3.5)8.12%
SWBC Mortgage0.00%(3.5)0.62%
Caliber Home Loans0.01%(3.5)0.62%
SouthPoint Bank0.01%(3.5)0.62%
IBERIABANK0.01%(3.5)8.75%
Embrace Home Loans0.01%(3.5)0.62%
CenterState Bank0.02%(3.5)1.88%
CMG Financial0.02%(3.5)0.62%
Trustmark National Bank0.02%(3.5)7.50%
PNC Bank0.02%(3.5)1.88%
JPMorgan Chase Bank0.03%(3.5)8.75%
Movement Mortgage0.03%(3.5)3.12%
Home Point Financial Corporation0.03%(3.5)0.62%
Alabama Credit Union0.04%(3.5)1.88%
loanDepot0.04%(3.5)0.62%
Fairway Independent Mortgage Corporation0.05%(3.5)1.88%
Supreme Lending0.08%(3.0)3.75%
Lender NameRate DifferenceRate RatingMarket Share
Regions Bank-0.06%(4.0)16.33%
Wells Fargo Bank-0.06%(4.0)10.20%
Hancock Whitney Bank-0.01%(3.5)9.18%
BBVA-0.01%(3.5)5.10%
Truist Bank-0.00%(3.5)3.06%
Quicken Loans0.01%(3.5)1.02%
Bank of America0.01%(3.5)3.06%
FirstBank TN0.01%(3.5)12.24%
Caliber Home Loans0.01%(3.5)1.02%
Embrace Home Loans0.02%(3.5)1.02%
CenterState Bank0.02%(3.5)2.04%
Alabama Credit Union0.02%(3.5)1.02%
Trustmark National Bank0.03%(3.5)6.12%
IBERIABANK0.03%(3.5)4.08%
JPMorgan Chase Bank0.03%(3.5)11.22%
Home Point Financial Corporation0.04%(3.5)1.02%
Movement Mortgage0.04%(3.5)2.04%
loanDepot0.04%(3.5)1.02%
Fairway Independent Mortgage Corporation0.05%(3.0)3.06%
Supreme Lending0.09%(3.0)6.12%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.02%(3.5)4.84%
Hancock Whitney Bank-0.02%(3.5)8.06%
Wells Fargo Bank-0.02%(3.5)4.84%
Truist Bank-0.01%(3.5)4.84%
Regions Bank-0.01%(3.5)20.97%
SWBC Mortgage-0.00%(3.5)1.61%
FirstBank TN-0.00%(3.5)1.61%
BBVA0.00%(3.5)4.84%
IBERIABANK0.00%(3.5)16.13%
CenterState Bank0.00%(3.5)1.61%
SouthPoint Bank0.01%(3.5)1.61%
Trustmark National Bank0.01%(3.5)9.68%
CMG Financial0.01%(3.5)1.61%
PNC Bank0.01%(3.5)4.84%
JPMorgan Chase Bank0.02%(3.5)4.84%
Movement Mortgage0.02%(3.5)4.84%
Alabama Credit Union0.04%(3.5)3.23%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.24%(4.5)8.47%
Trustmark National Bank-0.15%(4.5)5.80%
PennyMac Loan Services-0.06%(4.0)3.61%
DSLD Mortgage-0.04%(3.5)1.18%
Home Point Financial Corporation-0.03%(3.5)3.22%
DHI Mortgage Company Limited-0.03%(3.5)8.55%
Wells Fargo Bank-0.03%(3.5)1.73%
Tyndall Federal Credit Union-0.02%(3.5)0.63%
Guaranty Home Mortgage Corporation-0.02%(3.5)0.47%
USAA-0.02%(3.5)7.45%
GMFS Mortgage-0.01%(3.5)3.92%
Magnolia Bank-0.01%(3.5)2.04%
Hancock Whitney Bank-0.01%(3.5)0.63%
Caliber Home Loans-0.01%(3.5)2.12%
Amerisave Mortgage Corporation-0.01%(3.5)0.31%
The Mortgage Connection-0.00%(3.5)0.39%
SWBC Mortgage0.00%(3.5)1.41%
loanDepot0.00%(3.5)4.39%
BBVA0.01%(3.5)0.08%
BancorpSouth Bank0.01%(3.5)1.33%
Fairway Independent Mortgage Corporation0.01%(3.5)4.63%
Community Bank of Mississippi0.01%(3.5)0.47%
Crescent Mortgage Company0.01%(3.5)0.31%
Resource Financial Services0.01%(3.5)0.24%
CenterState Bank0.01%(3.5)0.39%
SouthPoint Bank0.02%(3.5)0.71%
HomeTrust Mortgage Company0.02%(3.5)0.47%
Supreme Lending0.02%(3.5)0.16%
CMG Financial0.02%(3.5)1.25%
Truist Bank0.02%(3.5)0.39%
Renasant Bank0.02%(3.5)0.55%
PNC Bank0.02%(3.5)0.39%
Carrington Mortgage Services0.02%(3.5)1.33%
PrimeLending0.03%(3.5)0.78%
IBERIABANK0.03%(3.5)0.31%
Hamilton Mortgage Corporation0.03%(3.5)0.16%
Cardinal Financial Company0.03%(3.5)0.16%
First Federal Bank0.03%(3.5)0.39%
Nations Lending Corporation0.03%(3.5)0.63%
FirstBank TN0.03%(3.5)2.43%
LendUS LLC0.04%(3.5)0.39%
Regions Bank0.04%(3.5)1.25%
Direct Mortgage Loans0.04%(3.5)0.55%
Southwest Funding0.04%(3.5)0.24%
Freedom Mortgage Corporation0.05%(3.0)3.45%
Bank of England AR0.05%(3.0)1.02%
Movement Mortgage0.05%(3.0)1.25%
Acopia Home Loans0.07%(3.0)0.78%
Southeast Mortgage of Georgia0.08%(3.0)0.47%
Hometown Lenders0.11%(3.0)0.71%
Mr. Cooper0.11%(3.0)1.49%
Quicken Loans0.13%(3.0)8.55%
Embrace Home Loans0.20%(2.5)2.75%
NewDay USA0.36%(1.5)3.22%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.24%(4.5)10.86%
Trustmark National Bank-0.15%(4.0)7.79%
Freedom Mortgage Corporation-0.02%(3.5)2.60%
DSLD Mortgage-0.01%(3.5)1.77%
Tyndall Federal Credit Union-0.01%(3.5)0.59%
DHI Mortgage Company Limited-0.01%(3.5)12.87%
Wells Fargo Bank-0.01%(3.5)2.48%
Hancock Whitney Bank0.01%(3.5)0.71%
USAA0.01%(3.5)8.97%
Guaranty Home Mortgage Corporation0.01%(3.5)0.71%
Home Point Financial Corporation0.01%(3.5)2.72%
loanDepot0.02%(3.5)0.83%
GMFS Mortgage0.02%(3.5)4.72%
The Mortgage Connection0.02%(3.5)0.59%
SWBC Mortgage0.03%(3.5)2.01%
BancorpSouth Bank0.03%(3.5)1.77%
BBVA0.03%(3.5)0.12%
PennyMac Loan Services0.03%(3.5)0.59%
Fairway Independent Mortgage Corporation0.03%(3.5)6.26%
Community Bank of Mississippi0.04%(3.5)0.59%
Crescent Mortgage Company0.04%(3.5)0.47%
Resource Financial Services0.04%(3.5)0.35%
Cardinal Financial Company0.04%(3.5)0.12%
SouthPoint Bank0.04%(3.5)0.94%
Supreme Lending0.04%(3.5)0.12%
HomeTrust Mortgage Company0.04%(3.5)0.71%
Magnolia Bank0.04%(3.5)1.06%
Truist Bank0.04%(3.5)0.59%
CenterState Bank0.04%(3.5)0.35%
Amerisave Mortgage Corporation0.04%(3.5)0.12%
Renasant Bank0.04%(3.5)0.71%
PNC Bank0.05%(3.5)0.35%
CMG Financial0.05%(3.5)1.42%
Caliber Home Loans0.05%(3.0)1.53%
IBERIABANK0.05%(3.0)0.35%
PrimeLending0.05%(3.0)1.06%
Hamilton Mortgage Corporation0.05%(3.0)0.24%
Nations Lending Corporation0.06%(3.0)0.59%
First Federal Bank0.06%(3.0)0.35%
LendUS LLC0.06%(3.0)0.59%
Regions Bank0.06%(3.0)1.65%
Carrington Mortgage Services0.07%(3.0)0.24%
Southwest Funding0.07%(3.0)0.35%
Direct Mortgage Loans0.07%(3.0)0.71%
NewDay USA0.09%(3.0)0.59%
Movement Mortgage0.10%(3.0)1.42%
Bank of England AR0.11%(3.0)0.94%
Southeast Mortgage of Georgia0.11%(3.0)0.71%
Acopia Home Loans0.12%(3.0)0.94%
Mr. Cooper0.12%(3.0)0.59%
FirstBank TN0.13%(3.0)2.13%
Hometown Lenders0.13%(3.0)1.06%
Quicken Loans0.17%(2.5)3.90%
Embrace Home Loans0.31%(2.0)3.19%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.12%(4.0)3.74%
PennyMac Loan Services-0.12%(4.0)9.58%
FirstBank TN-0.11%(4.0)3.04%
Embrace Home Loans-0.11%(4.0)1.87%
Home Point Financial Corporation-0.10%(4.0)4.21%
GMFS Mortgage-0.10%(4.0)2.34%
Caliber Home Loans-0.09%(4.0)3.27%
Magnolia Bank-0.08%(4.0)3.97%
Amerisave Mortgage Corporation-0.06%(4.0)0.70%
Movement Mortgage-0.06%(4.0)0.93%
USAA-0.06%(4.0)4.44%
Trustmark National Bank-0.06%(4.0)1.87%
Tyndall Federal Credit Union-0.06%(4.0)0.70%
Acopia Home Loans-0.06%(4.0)0.47%
CMG Financial-0.05%(4.0)0.93%
loanDepot-0.05%(3.5)11.45%
Fairway Independent Mortgage Corporation-0.05%(3.5)1.40%
SWBC Mortgage-0.04%(3.5)0.23%
CenterState Bank-0.04%(3.5)0.47%
Direct Mortgage Loans-0.04%(3.5)0.23%
Bank of England AR-0.04%(3.5)1.17%
Community Bank of Mississippi-0.04%(3.5)0.23%
SouthPoint Bank-0.04%(3.5)0.23%
Hancock Whitney Bank-0.04%(3.5)0.47%
PrimeLending-0.04%(3.5)0.23%
BancorpSouth Bank-0.03%(3.5)0.47%
Supreme Lending-0.03%(3.5)0.23%
First Federal Bank-0.03%(3.5)0.47%
PNC Bank-0.03%(3.5)0.47%
Renasant Bank-0.03%(3.5)0.23%
Carrington Mortgage Services-0.03%(3.5)3.50%
Nations Lending Corporation-0.03%(3.5)0.70%
IBERIABANK-0.02%(3.5)0.23%
Wells Fargo Bank-0.01%(3.5)0.23%
Cardinal Financial Company-0.01%(3.5)0.23%
Regions Bank0.01%(3.5)0.47%
Quicken Loans0.07%(3.0)17.76%
Mr. Cooper0.07%(3.0)3.27%
Freedom Mortgage Corporation0.10%(3.0)5.14%
NewDay USA0.35%(1.5)8.41%

* Data is compiled for the Mobile, AL commuting zone area, which comprises of counties of Baldwin County, AL, Mobile County, AL, and Washington County, AL. This includes cities/towns/communities of Mobile, AL as well as Loxley, AL, Foley, AL, Orange Beach, AL, Fairhope, AL, Gulf Shores, AL, Daphne, AL, Bay Minette, AL, Summerdale, AL, Spanish Fort, AL, Saraland, AL, Silverhill, AL, Axis, AL, Point Clear, AL, Perdido Beach, AL, Tillmans Corner, AL, Satsuma, AL, Dauphin Island, AL, Bayou La Batre, AL, Robertsdale, AL, Theodore, AL, Gulfcrest, AL, Prichard, AL, Chunchula, AL, Citronelle, AL, Grand Bay, AL, Chickasaw, AL, Belle Fontaine, AL, Bucks, AL, Leroy, AL, St. Stephens, AL, McIntosh, AL, Millry, AL, and Tibbie, 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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