Top Mortgage Lenders in Gulfport, MS

Which mortgage lender in the Gulfport, MS area typically has the best rates? To help you narrow down where to shop for a mortgage, provides an objective and data driven ranking of mortgage lenders operating in the Gulfport, MS 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 Gulfport, MS area in terms of interest rate is Keesler Federal Credit Union, with an average “Rate Difference” of -0.30%. This means that, comparing similar borrowers, Keesler Federal Credit Union provided a -0.30% lower interest rate for its customers than other lenders in the area. Keesler Federal Credit Union has a market share of 11.6%. It is the most popular lender in the Gulfport, MS area.

Our detailed ranking of mortgage lenders in the Gulfport, MS 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 Gulfport, MS is Keesler Federal Credit Union. 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 Bank of America. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Keesler Federal Credit Union. The cheapest VA mortgage provider is also Keesler 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 Gulfport, MS

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Keesler Federal Credit Union-0.30%(5.0)11.59%
Trustmark National Bank-0.09%(4.0)7.09%
DSLD Mortgage-0.08%(4.0)2.42%
Home Point Financial Corporation-0.06%(4.0)1.56%
Navy Federal Credit Union-0.06%(4.0)4.06%
Hancock Whitney Bank-0.05%(4.0)3.39%
Freedom Mortgage Corporation-0.05%(4.0)2.34%
DHI Mortgage Company Limited-0.04%(3.5)3.98%
Wells Fargo Bank-0.02%(3.5)1.83%
Fairway Independent Mortgage Corporation-0.00%(3.5)4.08%
Bank of America-0.00%(3.5)0.59%
GMFS Mortgage-0.00%(3.5)2.46%
BancorpSouth Bank-0.00%(3.5)5.41%
PennyMac Loan Services0.00%(3.5)0.82%
FBT Mortgage LLC0.01%(3.5)0.61%
JPMorgan Chase Bank0.01%(3.5)0.95%
The Mortgage Connection0.04%(3.5)1.73%
Carrington Mortgage Services0.05%(3.5)0.59%
Regions Bank0.05%(3.5)3.26%
Caliber Home Loans0.06%(3.0)0.84%
Goldwater Bank0.06%(3.0)0.59%
AnnieMac Home Mortgage0.07%(3.0)0.95%
Supreme Lending0.07%(3.0)1.70%
Community Bank of Mississippi0.10%(3.0)3.05%
DelMar Financial Company0.12%(3.0)3.91%
Mr. Cooper0.12%(3.0)0.78%
Quicken Loans0.14%(3.0)10.37%
CMG Financial0.16%(2.5)8.23%
Planet Home Lending0.17%(2.5)1.11%
Mortgage Solutions Financial0.20%(2.5)1.28%
NewDay USA0.40%(1.5)0.86%
Lender NameRate DifferenceRate RatingMarket Share
Keesler Federal Credit Union-0.28%(5.0)9.70%
Regions Bank-0.11%(4.0)2.63%
DSLD Mortgage-0.08%(4.0)3.48%
Trustmark National Bank-0.07%(4.0)7.23%
Home Point Financial Corporation-0.07%(4.0)1.62%
Freedom Mortgage Corporation-0.06%(4.0)3.10%
Wells Fargo Bank-0.06%(4.0)1.97%
Navy Federal Credit Union-0.06%(4.0)5.01%
Hancock Whitney Bank-0.06%(4.0)3.01%
DHI Mortgage Company Limited-0.04%(3.5)5.72%
JPMorgan Chase Bank-0.03%(3.5)0.79%
Bank of America-0.01%(3.5)0.60%
Fairway Independent Mortgage Corporation-0.00%(3.5)5.12%
BancorpSouth Bank0.00%(3.5)5.59%
FBT Mortgage LLC0.01%(3.5)0.79%
GMFS Mortgage0.01%(3.5)2.44%
PennyMac Loan Services0.03%(3.5)0.16%
The Mortgage Connection0.05%(3.5)1.89%
NewDay USA0.07%(3.0)0.16%
Mr. Cooper0.07%(3.0)0.27%
AnnieMac Home Mortgage0.08%(3.0)1.29%
Goldwater Bank0.08%(3.0)0.68%
Supreme Lending0.09%(3.0)2.03%
Carrington Mortgage Services0.09%(3.0)0.22%
Caliber Home Loans0.09%(3.0)0.79%
Community Bank of Mississippi0.10%(3.0)3.01%
Quicken Loans0.10%(3.0)4.44%
DelMar Financial Company0.13%(3.0)5.04%
CMG Financial0.18%(2.5)10.93%
Planet Home Lending0.19%(2.5)1.40%
Mortgage Solutions Financial0.24%(2.5)1.59%
Lender NameRate DifferenceRate RatingMarket Share
Keesler Federal Credit Union-0.33%(5.0)15.90%
Trustmark National Bank-0.12%(4.0)6.76%
Navy Federal Credit Union-0.06%(4.0)1.88%
Hancock Whitney Bank-0.05%(4.0)4.26%
GMFS Mortgage-0.04%(3.5)2.50%
Home Point Financial Corporation-0.03%(3.5)1.44%
CMG Financial-0.02%(3.5)2.07%
Caliber Home Loans-0.01%(3.5)0.94%
PennyMac Loan Services-0.01%(3.5)2.32%
BancorpSouth Bank-0.01%(3.5)5.01%
The Mortgage Connection0.00%(3.5)1.38%
Mortgage Solutions Financial0.00%(3.5)0.56%
Goldwater Bank0.00%(3.5)0.38%
Supreme Lending0.01%(3.5)0.94%
Fairway Independent Mortgage Corporation0.01%(3.5)1.69%
AnnieMac Home Mortgage0.01%(3.5)0.19%
Bank of America0.02%(3.5)0.56%
Carrington Mortgage Services0.03%(3.5)1.44%
FBT Mortgage LLC0.03%(3.5)0.19%
Planet Home Lending0.03%(3.5)0.44%
DelMar Financial Company0.04%(3.5)1.31%
JPMorgan Chase Bank0.06%(3.0)1.31%
Wells Fargo Bank0.09%(3.0)1.50%
Freedom Mortgage Corporation0.10%(3.0)0.63%
Community Bank of Mississippi0.11%(3.0)3.13%
Mr. Cooper0.13%(3.0)1.94%
Quicken Loans0.14%(3.0)23.92%
Regions Bank0.25%(2.0)4.70%
NewDay USA0.44%(1.5)2.44%
Lender NameRate DifferenceRate RatingMarket Share
Keesler Federal Credit Union-0.30%(5.0)13.56%
Trustmark National Bank-0.10%(4.0)7.45%
DHI Mortgage Company Limited-0.06%(4.0)1.80%
Hancock Whitney Bank-0.05%(3.5)5.65%
DSLD Mortgage-0.03%(3.5)1.87%
Home Point Financial Corporation-0.03%(3.5)1.45%
Wells Fargo Bank-0.01%(3.5)3.28%
Bank of America0.01%(3.5)1.07%
GMFS Mortgage0.01%(3.5)3.02%
Caliber Home Loans0.01%(3.5)0.34%
BancorpSouth Bank0.01%(3.5)8.52%
JPMorgan Chase Bank0.02%(3.5)1.83%
Fairway Independent Mortgage Corporation0.03%(3.5)2.52%
AnnieMac Home Mortgage0.05%(3.5)0.61%
CMG Financial0.05%(3.5)4.32%
FBT Mortgage LLC0.05%(3.5)0.42%
PennyMac Loan Services0.05%(3.0)0.23%
Freedom Mortgage Corporation0.06%(3.0)0.61%
DelMar Financial Company0.06%(3.0)2.60%
Goldwater Bank0.06%(3.0)0.42%
Carrington Mortgage Services0.06%(3.0)0.19%
The Mortgage Connection0.06%(3.0)2.37%
Regions Bank0.07%(3.0)5.61%
Planet Home Lending0.08%(3.0)0.88%
Supreme Lending0.11%(3.0)1.99%
Community Bank of Mississippi0.14%(3.0)4.81%
Mr. Cooper0.15%(2.5)0.61%
Mortgage Solutions Financial0.16%(2.5)0.53%
Quicken Loans0.18%(2.5)11.76%
Navy Federal Credit Union0.20%(2.5)2.67%
Lender NameRate DifferenceRate RatingMarket Share
Keesler Federal Credit Union-0.21%(4.5)10.66%
Regions Bank-0.14%(4.0)4.58%
Trustmark National Bank-0.07%(4.0)7.15%
Wells Fargo Bank-0.06%(4.0)3.95%
DHI Mortgage Company Limited-0.06%(4.0)2.95%
Hancock Whitney Bank-0.05%(4.0)5.52%
Home Point Financial Corporation-0.04%(3.5)1.50%
DSLD Mortgage-0.03%(3.5)3.07%
JPMorgan Chase Bank-0.03%(3.5)1.69%
Bank of America-0.00%(3.5)1.25%
Caliber Home Loans-0.00%(3.5)0.38%
BancorpSouth Bank0.02%(3.5)9.53%
Fairway Independent Mortgage Corporation0.02%(3.5)3.45%
PennyMac Loan Services0.03%(3.5)0.06%
GMFS Mortgage0.03%(3.5)2.95%
AnnieMac Home Mortgage0.05%(3.5)0.94%
FBT Mortgage LLC0.05%(3.5)0.50%
CMG Financial0.06%(3.0)6.14%
Freedom Mortgage Corporation0.06%(3.0)0.94%
DelMar Financial Company0.06%(3.0)3.26%
Mr. Cooper0.06%(3.0)0.19%
Goldwater Bank0.07%(3.0)0.50%
The Mortgage Connection0.08%(3.0)2.76%
Carrington Mortgage Services0.09%(3.0)0.13%
Planet Home Lending0.10%(3.0)1.07%
Quicken Loans0.10%(3.0)5.89%
Supreme Lending0.14%(3.0)2.63%
Community Bank of Mississippi0.15%(3.0)5.14%
Mortgage Solutions Financial0.16%(2.5)0.82%
Navy Federal Credit Union0.23%(2.5)3.57%
Lender NameRate DifferenceRate RatingMarket Share
Keesler Federal Credit Union-0.38%(5.0)18.08%
Trustmark National Bank-0.13%(4.0)7.92%
Hancock Whitney Bank-0.04%(3.5)5.87%
GMFS Mortgage-0.03%(3.5)3.13%
CMG Financial-0.02%(3.5)1.47%
Home Point Financial Corporation-0.02%(3.5)1.37%
BancorpSouth Bank0.01%(3.5)6.94%
The Mortgage Connection0.02%(3.5)1.76%
AnnieMac Home Mortgage0.02%(3.5)0.10%
Supreme Lending0.03%(3.5)0.98%
Caliber Home Loans0.03%(3.5)0.29%
Goldwater Bank0.03%(3.5)0.29%
Bank of America0.03%(3.5)0.78%
Carrington Mortgage Services0.04%(3.5)0.29%
FBT Mortgage LLC0.05%(3.5)0.29%
Planet Home Lending0.05%(3.5)0.59%
Freedom Mortgage Corporation0.05%(3.0)0.10%
PennyMac Loan Services0.05%(3.0)0.49%
DelMar Financial Company0.06%(3.0)1.56%
Navy Federal Credit Union0.06%(3.0)1.27%
Mortgage Solutions Financial0.07%(3.0)0.10%
JPMorgan Chase Bank0.08%(3.0)2.05%
Fairway Independent Mortgage Corporation0.10%(3.0)1.08%
Wells Fargo Bank0.11%(3.0)2.25%
Community Bank of Mississippi0.14%(3.0)4.30%
Mr. Cooper0.17%(2.5)1.27%
Quicken Loans0.22%(2.5)20.92%
Regions Bank0.27%(2.0)7.23%
Lender NameRate DifferenceRate RatingMarket Share
Keesler Federal Credit Union-0.42%(5.0)8.67%
DSLD Mortgage-0.17%(4.5)1.15%
Fairway Independent Mortgage Corporation-0.11%(4.0)4.58%
Home Point Financial Corporation-0.09%(4.0)0.90%
Freedom Mortgage Corporation-0.09%(4.0)2.70%
Trustmark National Bank-0.08%(4.0)9.98%
Hancock Whitney Bank-0.07%(4.0)1.64%
Community Bank of Mississippi-0.07%(4.0)1.96%
Regions Bank-0.06%(4.0)1.06%
Navy Federal Credit Union-0.05%(3.5)0.49%
BancorpSouth Bank-0.05%(3.5)3.85%
FBT Mortgage LLC-0.04%(3.5)1.31%
GMFS Mortgage-0.02%(3.5)2.78%
Carrington Mortgage Services-0.00%(3.5)1.31%
The Mortgage Connection0.01%(3.5)0.33%
Quicken Loans0.01%(3.5)12.36%
PennyMac Loan Services0.02%(3.5)0.74%
NewDay USA0.02%(3.5)0.08%
Supreme Lending0.02%(3.5)1.23%
DHI Mortgage Company Limited0.03%(3.5)3.19%
AnnieMac Home Mortgage0.07%(3.0)1.72%
Goldwater Bank0.08%(3.0)0.82%
Mr. Cooper0.08%(3.0)1.23%
Caliber Home Loans0.10%(3.0)1.64%
Mortgage Solutions Financial0.15%(3.0)2.05%
CMG Financial0.16%(2.5)16.69%
DelMar Financial Company0.16%(2.5)9.41%
Planet Home Lending0.23%(2.5)2.21%
Lender NameRate DifferenceRate RatingMarket Share
Keesler Federal Credit Union-0.47%(5.0)9.15%
DSLD Mortgage-0.17%(4.5)1.39%
Fairway Independent Mortgage Corporation-0.11%(4.0)5.27%
Freedom Mortgage Corporation-0.10%(4.0)3.08%
Home Point Financial Corporation-0.10%(4.0)1.09%
Hancock Whitney Bank-0.09%(4.0)1.49%
Trustmark National Bank-0.08%(4.0)11.33%
Community Bank of Mississippi-0.08%(4.0)2.19%
Regions Bank-0.06%(4.0)1.29%
BancorpSouth Bank-0.05%(4.0)4.27%
Navy Federal Credit Union-0.05%(3.5)0.60%
FBT Mortgage LLC-0.04%(3.5)1.59%
GMFS Mortgage-0.02%(3.5)2.88%
PennyMac Loan Services-0.01%(3.5)0.10%
The Mortgage Connection0.01%(3.5)0.40%
Carrington Mortgage Services0.02%(3.5)0.20%
Supreme Lending0.02%(3.5)1.29%
DHI Mortgage Company Limited0.03%(3.5)3.88%
Quicken Loans0.07%(3.0)4.47%
AnnieMac Home Mortgage0.08%(3.0)1.99%
Goldwater Bank0.08%(3.0)0.99%
Mr. Cooper0.08%(3.0)0.40%
Caliber Home Loans0.11%(3.0)1.69%
Mortgage Solutions Financial0.15%(2.5)2.39%
CMG Financial0.16%(2.5)19.58%
DelMar Financial Company0.17%(2.5)10.93%
Planet Home Lending0.23%(2.5)2.58%
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank-0.08%(4.0)3.70%
Keesler Federal Credit Union-0.08%(4.0)6.48%
GMFS Mortgage-0.02%(3.5)2.31%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.39%
Hancock Whitney Bank-0.01%(3.5)2.31%
Quicken Loans-0.01%(3.5)49.07%
Community Bank of Mississippi-0.01%(3.5)0.93%
BancorpSouth Bank-0.00%(3.5)1.85%
Carrington Mortgage Services-0.00%(3.5)6.48%
Caliber Home Loans0.00%(3.5)1.39%
Mortgage Solutions Financial0.00%(3.5)0.46%
AnnieMac Home Mortgage0.00%(3.5)0.46%
DelMar Financial Company0.00%(3.5)2.31%
Supreme Lending0.01%(3.5)0.93%
CMG Financial0.02%(3.5)3.24%
PennyMac Loan Services0.02%(3.5)3.70%
NewDay USA0.03%(3.5)0.46%
Planet Home Lending0.04%(3.5)0.46%
Freedom Mortgage Corporation0.05%(3.5)0.93%
Mr. Cooper0.09%(3.0)5.09%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.01%(3.5)6.25%
Keesler Federal Credit Union-0.00%(3.5)37.50%
CMG Financial0.00%(3.5)6.25%
The Mortgage Connection0.00%(3.5)12.50%
Fairway Independent Mortgage Corporation0.00%(3.5)6.25%
Hancock Whitney Bank0.00%(3.5)6.25%
Regions Bank0.00%(3.5)18.75%
Community Bank of Mississippi0.01%(3.5)6.25%
Lender NameRate DifferenceRate RatingMarket Share
Keesler Federal Credit Union-0.01%(3.5)33.33%
CMG Financial0.00%(3.5)16.67%
Hancock Whitney Bank0.00%(3.5)16.67%
Regions Bank0.00%(3.5)33.33%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.01%(3.5)10.00%
Keesler Federal Credit Union-0.00%(3.5)40.00%
Regions Bank0.00%(3.5)10.00%
The Mortgage Connection0.00%(3.5)20.00%
Fairway Independent Mortgage Corporation0.00%(3.5)10.00%
Community Bank of Mississippi0.01%(3.5)10.00%
Lender NameRate DifferenceRate RatingMarket Share
Keesler Federal Credit Union-0.24%(4.5)10.13%
Navy Federal Credit Union-0.19%(4.5)9.84%
DSLD Mortgage-0.09%(4.0)4.60%
Home Point Financial Corporation-0.08%(4.0)2.37%
Trustmark National Bank-0.07%(4.0)3.95%
Freedom Mortgage Corporation-0.07%(4.0)5.32%
DHI Mortgage Company Limited-0.07%(4.0)8.84%
PennyMac Loan Services-0.02%(3.5)2.01%
Wells Fargo Bank-0.01%(3.5)0.72%
DelMar Financial Company-0.01%(3.5)1.58%
The Mortgage Connection-0.01%(3.5)1.65%
Hancock Whitney Bank-0.01%(3.5)0.65%
GMFS Mortgage-0.00%(3.5)1.15%
Caliber Home Loans0.02%(3.5)1.08%
Supreme Lending0.02%(3.5)1.58%
Bank of America0.02%(3.5)0.14%
BancorpSouth Bank0.02%(3.5)1.01%
Community Bank of Mississippi0.02%(3.5)0.65%
Fairway Independent Mortgage Corporation0.03%(3.5)6.54%
FBT Mortgage LLC0.03%(3.5)0.36%
JPMorgan Chase Bank0.03%(3.5)0.14%
Goldwater Bank0.03%(3.5)0.72%
AnnieMac Home Mortgage0.07%(3.0)0.93%
Regions Bank0.08%(3.0)0.57%
Carrington Mortgage Services0.09%(3.0)0.72%
Mr. Cooper0.10%(3.0)0.72%
Quicken Loans0.18%(2.5)6.11%
Planet Home Lending0.21%(2.5)0.57%
CMG Financial0.25%(2.0)8.19%
Mortgage Solutions Financial0.26%(2.0)2.01%
NewDay USA0.40%(1.5)3.16%
Lender NameRate DifferenceRate RatingMarket Share
Keesler Federal Credit Union-0.25%(4.5)8.62%
Navy Federal Credit Union-0.18%(4.5)11.49%
Home Point Financial Corporation-0.09%(4.0)2.30%
DSLD Mortgage-0.08%(4.0)6.13%
Freedom Mortgage Corporation-0.07%(4.0)6.42%
Trustmark National Bank-0.07%(4.0)3.45%
DHI Mortgage Company Limited-0.05%(4.0)11.78%
Wells Fargo Bank-0.00%(3.5)0.86%
GMFS Mortgage-0.00%(3.5)1.25%
DelMar Financial Company0.00%(3.5)2.11%
Hancock Whitney Bank0.01%(3.5)0.57%
The Mortgage Connection0.01%(3.5)2.01%
Supreme Lending0.04%(3.5)1.82%
Bank of America0.04%(3.5)0.19%
FBT Mortgage LLC0.04%(3.5)0.48%
BancorpSouth Bank0.04%(3.5)0.86%
PennyMac Loan Services0.05%(3.5)0.38%
Community Bank of Mississippi0.05%(3.5)0.57%
JPMorgan Chase Bank0.05%(3.5)0.19%
Fairway Independent Mortgage Corporation0.05%(3.0)7.57%
Mr. Cooper0.06%(3.0)0.29%
Goldwater Bank0.07%(3.0)0.67%
NewDay USA0.08%(3.0)0.57%
Caliber Home Loans0.08%(3.0)0.57%
AnnieMac Home Mortgage0.09%(3.0)1.15%
Regions Bank0.10%(3.0)0.77%
Carrington Mortgage Services0.12%(3.0)0.38%
Quicken Loans0.20%(2.5)2.20%
Planet Home Lending0.23%(2.5)0.77%
CMG Financial0.30%(2.0)9.87%
Mortgage Solutions Financial0.36%(1.5)2.01%
Lender NameRate DifferenceRate RatingMarket Share
Keesler Federal Credit Union-0.25%(5.0)14.66%
Navy Federal Credit Union-0.18%(4.5)4.89%
Fairway Independent Mortgage Corporation-0.09%(4.0)3.45%
Trustmark National Bank-0.08%(4.0)5.46%
CMG Financial-0.08%(4.0)3.16%
PennyMac Loan Services-0.07%(4.0)6.90%
Home Point Financial Corporation-0.07%(4.0)2.59%
Caliber Home Loans-0.06%(4.0)2.59%
Supreme Lending-0.06%(4.0)0.86%
Hancock Whitney Bank-0.05%(3.5)0.86%
Mortgage Solutions Financial-0.05%(3.5)2.01%
Goldwater Bank-0.05%(3.5)0.86%
The Mortgage Connection-0.05%(3.5)0.57%
Community Bank of Mississippi-0.04%(3.5)0.86%
BancorpSouth Bank-0.04%(3.5)1.44%
AnnieMac Home Mortgage-0.03%(3.5)0.29%
Wells Fargo Bank-0.02%(3.5)0.29%
GMFS Mortgage-0.00%(3.5)0.86%
Carrington Mortgage Services0.03%(3.5)1.72%
Freedom Mortgage Corporation0.08%(3.0)2.01%
Mr. Cooper0.08%(3.0)2.01%
Quicken Loans0.13%(3.0)17.82%
NewDay USA0.41%(1.5)10.92%

* Data is compiled for the Gulfport, MS commuting zone area, which comprises of counties of George County, MS, Greene County, MS, Hancock County, MS, Harrison County, MS, Jackson County, MS, Pearl River County, MS, and Stone County, MS. This includes cities/towns/communities of Gulfport, MS as well as Ocean Springs, MS, Biloxi, MS, DIberville, MS, Bay St. Louis, MS, Long Beach, MS, Picayune, MS, Diamondhead, MS, Lucedale, MS, Gautier, MS, Lyman, MS, Gulf Hills, MS, Hide-A-Way Lake, MS, Wiggins, MS, Pascagoula, MS, Hurley, MS, Vancleave, MS, Leakesville, MS, Latimer, MS, St. Martin, MS, Saucier, MS, Kiln, MS, Nicholson, MS, Lumberton, MS, Pass Christian, MS, Escatawpa, MS, Moss Point, MS, Henderson Point, MS, and Poplarville, MS. 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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