Top Mortgage Lenders in Palm Coast, FL

Which mortgage lender in the Palm Coast, FL 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 Palm Coast, FL 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 Palm Coast, FL area in terms of interest rate is Fairwinds Credit Union, with an average “Rate Difference” of -0.33%. This means that, comparing similar borrowers, Fairwinds Credit Union provided a -0.33% lower interest rate for its customers than other lenders in the area. Fairwinds Credit Union has a market share of 1.7%. On the other hand, the most popular lender in the Palm Coast, FL area is Quicken Loans, with a larger market share of 12.6%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.10% compared to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed ranking of mortgage lenders in the Palm Coast, FL 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 Palm Coast, FL is Fairwinds 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 Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Bank of America. 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 Palm Coast, FL

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
Fairwinds Credit Union	-0.33%	(5.0)	1.70%
Space Coast Credit Union	-0.26%	(5.0)	1.61%
DHI Mortgage Company Limited	-0.18%	(4.5)	2.78%
Bank of America	-0.17%	(4.5)	2.49%
Addition Financial	-0.16%	(4.5)	0.31%
VyStar Credit Union	-0.14%	(4.0)	1.67%
Ameris Bank	-0.14%	(4.0)	1.64%
PNC Bank	-0.13%	(4.0)	1.51%
Trustco Bank	-0.13%	(4.0)	0.37%
SunTrust Bank	-0.12%	(4.0)	1.93%
Seacoast National Bank	-0.11%	(4.0)	1.20%
M/I Financial	-0.10%	(4.0)	0.30%
Provident Funding	-0.09%	(4.0)	0.30%
Truist Bank	-0.09%	(4.0)	0.63%
JPMorgan Chase Bank	-0.08%	(4.0)	1.78%
Amerisave Mortgage Corporation	-0.08%	(4.0)	0.56%
Navy Federal Credit Union	-0.08%	(4.0)	1.34%
USAA	-0.08%	(4.0)	1.29%
US Bank	-0.08%	(4.0)	0.47%
Caliber Home Loans	-0.07%	(4.0)	3.32%
IBERIABANK	-0.06%	(4.0)	1.15%
Fifth Third Bank	-0.06%	(4.0)	0.55%
Wells Fargo Bank	-0.05%	(4.0)	4.15%
Northpointe Bank	-0.05%	(3.5)	0.30%
loanDepot	-0.05%	(3.5)	2.41%
Guaranteed Rate Affinity	-0.05%	(3.5)	0.44%
Home Point Financial Corporation	-0.05%	(3.5)	0.78%
CenterState Bank	-0.05%	(3.5)	0.45%
Florida Capital Bank	-0.04%	(3.5)	0.45%
Cherry Creek Mortgage	-0.04%	(3.5)	0.89%
The Mortgage Firm	-0.03%	(3.5)	3.06%
PennyMac Loan Services	-0.03%	(3.5)	0.99%
Lakeview Loan Servicing	-0.03%	(3.5)	0.83%
NewRez	-0.02%	(3.5)	0.55%
Cardinal Financial Company	-0.02%	(3.5)	0.84%
TD Bank	-0.02%	(3.5)	0.60%
KBHS Home Loans	-0.02%	(3.5)	0.34%
Stearns Home Loans	-0.01%	(3.5)	0.44%
FBC Mortgage	-0.01%	(3.5)	5.19%
Movement Mortgage	-0.00%	(3.5)	0.65%
Guaranteed Rate	0.01%	(3.5)	0.43%
Nations Lending Corporation	0.01%	(3.5)	0.33%
Land Home Financial Services	0.01%	(3.5)	0.23%
Carrington Mortgage Services	0.01%	(3.5)	1.24%
Flagstar Bank	0.02%	(3.5)	1.32%
Watson Mortgage Corporation	0.02%	(3.5)	0.33%
Fidelity Funding Mortgage Corp	0.04%	(3.5)	0.42%
Union Home Mortgage	0.04%	(3.5)	0.54%
CMG Financial	0.05%	(3.5)	0.28%
Freedom Mortgage Corporation	0.05%	(3.0)	4.03%
NVR Mortgage Finance Inc	0.05%	(3.0)	0.36%
Equity Prime Mortgage	0.05%	(3.0)	0.63%
Christensen Financial Inc	0.06%	(3.0)	0.31%
SecurityNational Mortgage Company	0.06%	(3.0)	0.28%
HomeBridge Financial Services	0.06%	(3.0)	4.76%
Fairway Independent Mortgage Corporation	0.06%	(3.0)	2.45%
Embrace Home Loans	0.06%	(3.0)	0.32%
PRMG Mortgage	0.07%	(3.0)	0.63%
Synergy One Lending	0.07%	(3.0)	2.07%
Hamilton Group Funding	0.07%	(3.0)	0.61%
The Federal Savings Bank	0.08%	(3.0)	0.23%
Primary Residential Mortgage Inc	0.08%	(3.0)	0.33%
Bank of England AR	0.08%	(3.0)	0.86%
HomeStar Financial	0.08%	(3.0)	0.44%
Regions Bank	0.09%	(3.0)	1.17%
Amerifirst Home Mortgage	0.09%	(3.0)	0.40%
Supreme Lending	0.10%	(3.0)	0.27%
Quicken Loans	0.10%	(3.0)	12.64%
New American Funding	0.10%	(3.0)	0.83%
Bay Equity Home Loans	0.12%	(3.0)	0.36%
R P Funding	0.13%	(3.0)	1.00%
PrimeLending	0.13%	(3.0)	0.79%
Waterstone Mortgage Corporation	0.14%	(3.0)	1.20%
Finance of America Mortgage	0.15%	(2.5)	0.32%
Mr. Cooper	0.18%	(2.5)	1.63%
AnnieMac Home Mortgage	0.19%	(2.5)	0.89%
Planet Home Lending	0.28%	(2.0)	1.99%
OneTrust Home Loans	0.31%	(2.0)	0.45%
NewDay USA	0.41%	(1.5)	0.41%

Lender Name	Rate Difference	Rate Rating	Market Share
Fairwinds Credit Union	-0.29%	(5.0)	1.29%
Bank of America	-0.22%	(4.5)	2.11%
Space Coast Credit Union	-0.20%	(4.5)	1.16%
DHI Mortgage Company Limited	-0.17%	(4.5)	4.31%
Ameris Bank	-0.15%	(4.5)	2.10%
SunTrust Bank	-0.14%	(4.0)	1.69%
JPMorgan Chase Bank	-0.13%	(4.0)	1.54%
Wells Fargo Bank	-0.13%	(4.0)	4.56%
Fifth Third Bank	-0.12%	(4.0)	0.50%
Addition Financial	-0.11%	(4.0)	0.26%
M/I Financial	-0.10%	(4.0)	0.46%
Seacoast National Bank	-0.09%	(4.0)	1.49%
PNC Bank	-0.09%	(4.0)	1.15%
US Bank	-0.08%	(4.0)	0.45%
Navy Federal Credit Union	-0.07%	(4.0)	1.73%
USAA	-0.07%	(4.0)	1.45%
IBERIABANK	-0.06%	(4.0)	1.57%
CenterState Bank	-0.06%	(4.0)	0.52%
Caliber Home Loans	-0.06%	(4.0)	3.83%
Provident Funding	-0.06%	(4.0)	0.18%
VyStar Credit Union	-0.05%	(4.0)	0.98%
Northpointe Bank	-0.05%	(3.5)	0.35%
TD Bank	-0.05%	(3.5)	0.54%
Guaranteed Rate Affinity	-0.05%	(3.5)	0.54%
Cherry Creek Mortgage	-0.04%	(3.5)	1.15%
Florida Capital Bank	-0.04%	(3.5)	0.64%
Cardinal Financial Company	-0.04%	(3.5)	0.74%
Truist Bank	-0.03%	(3.5)	0.56%
The Mortgage Firm	-0.03%	(3.5)	3.95%
loanDepot	-0.02%	(3.5)	1.55%
PennyMac Loan Services	-0.02%	(3.5)	0.28%
Trustco Bank	-0.02%	(3.5)	0.20%
KBHS Home Loans	-0.01%	(3.5)	0.53%
Home Point Financial Corporation	-0.01%	(3.5)	0.67%
Freedom Mortgage Corporation	-0.00%	(3.5)	4.17%
Stearns Home Loans	-0.00%	(3.5)	0.56%
Nations Lending Corporation	0.00%	(3.5)	0.26%
Movement Mortgage	0.00%	(3.5)	0.92%
The Federal Savings Bank	0.00%	(3.5)	0.03%
Regions Bank	0.01%	(3.5)	1.07%
FBC Mortgage	0.01%	(3.5)	6.94%
Guaranteed Rate	0.01%	(3.5)	0.50%
Lakeview Loan Servicing	0.02%	(3.5)	0.36%
Flagstar Bank	0.02%	(3.5)	1.53%
Land Home Financial Services	0.02%	(3.5)	0.25%
Amerisave Mortgage Corporation	0.02%	(3.5)	0.05%
Watson Mortgage Corporation	0.03%	(3.5)	0.51%
Carrington Mortgage Services	0.03%	(3.5)	0.48%
NewDay USA	0.04%	(3.5)	0.10%
Fidelity Funding Mortgage Corp	0.05%	(3.5)	0.56%
NVR Mortgage Finance Inc	0.06%	(3.0)	0.55%
SecurityNational Mortgage Company	0.06%	(3.0)	0.40%
CMG Financial	0.06%	(3.0)	0.35%
Equity Prime Mortgage	0.06%	(3.0)	0.79%
Christensen Financial Inc	0.06%	(3.0)	0.40%
Union Home Mortgage	0.06%	(3.0)	0.54%
HomeBridge Financial Services	0.07%	(3.0)	6.33%
NewRez	0.07%	(3.0)	0.23%
Embrace Home Loans	0.07%	(3.0)	0.31%
Fairway Independent Mortgage Corporation	0.08%	(3.0)	3.20%
Hamilton Group Funding	0.08%	(3.0)	0.78%
Synergy One Lending	0.09%	(3.0)	2.69%
PRMG Mortgage	0.09%	(3.0)	0.78%
Bank of England AR	0.09%	(3.0)	1.20%
HomeStar Financial	0.09%	(3.0)	0.62%
Primary Residential Mortgage Inc	0.09%	(3.0)	0.43%
Mr. Cooper	0.10%	(3.0)	0.50%
Quicken Loans	0.10%	(3.0)	6.23%
Amerifirst Home Mortgage	0.11%	(3.0)	0.56%
R P Funding	0.11%	(3.0)	0.24%
Supreme Lending	0.11%	(3.0)	0.32%
Bay Equity Home Loans	0.13%	(3.0)	0.51%
New American Funding	0.14%	(3.0)	0.99%
PrimeLending	0.14%	(3.0)	1.14%
Waterstone Mortgage Corporation	0.15%	(2.5)	1.72%
Finance of America Mortgage	0.18%	(2.5)	0.40%
AnnieMac Home Mortgage	0.22%	(2.5)	1.20%
OneTrust Home Loans	0.32%	(2.0)	0.68%
Planet Home Lending	0.34%	(2.0)	2.58%

Lender Name	Rate Difference	Rate Rating	Market Share
Fairwinds Credit Union	-0.38%	(5.0)	2.44%
Space Coast Credit Union	-0.31%	(5.0)	2.42%
Addition Financial	-0.21%	(4.5)	0.40%
VyStar Credit Union	-0.20%	(4.5)	2.93%
Trustco Bank	-0.18%	(4.5)	0.69%
PNC Bank	-0.18%	(4.5)	2.17%
Truist Bank	-0.16%	(4.5)	0.76%
Seacoast National Bank	-0.15%	(4.5)	0.67%
Provident Funding	-0.12%	(4.0)	0.51%
Bank of America	-0.11%	(4.0)	3.18%
FBC Mortgage	-0.11%	(4.0)	1.98%
USAA	-0.11%	(4.0)	1.01%
Navy Federal Credit Union	-0.10%	(4.0)	0.63%
Home Point Financial Corporation	-0.10%	(4.0)	0.99%
Amerisave Mortgage Corporation	-0.09%	(4.0)	1.49%
SunTrust Bank	-0.09%	(4.0)	2.38%
Caliber Home Loans	-0.08%	(4.0)	2.38%
loanDepot	-0.07%	(4.0)	3.98%
US Bank	-0.06%	(4.0)	0.51%
IBERIABANK	-0.06%	(4.0)	0.38%
NewRez	-0.06%	(4.0)	1.14%
Lakeview Loan Servicing	-0.06%	(4.0)	1.68%
The Mortgage Firm	-0.05%	(3.5)	1.43%
Ameris Bank	-0.05%	(3.5)	0.82%
Northpointe Bank	-0.05%	(3.5)	0.21%
PennyMac Loan Services	-0.04%	(3.5)	2.29%
Guaranteed Rate Affinity	-0.03%	(3.5)	0.25%
Stearns Home Loans	-0.03%	(3.5)	0.21%
PRMG Mortgage	-0.03%	(3.5)	0.36%
Cherry Creek Mortgage	-0.02%	(3.5)	0.42%
New American Funding	-0.02%	(3.5)	0.55%
JPMorgan Chase Bank	-0.02%	(3.5)	2.21%
Land Home Financial Services	-0.02%	(3.5)	0.19%
Florida Capital Bank	-0.02%	(3.5)	0.08%
CMG Financial	-0.02%	(3.5)	0.15%
Movement Mortgage	-0.02%	(3.5)	0.15%
Guaranteed Rate	-0.01%	(3.5)	0.32%
Planet Home Lending	-0.01%	(3.5)	0.90%
Fairway Independent Mortgage Corporation	-0.01%	(3.5)	1.07%
PrimeLending	-0.00%	(3.5)	0.15%
Cardinal Financial Company	-0.00%	(3.5)	1.03%
Carrington Mortgage Services	0.00%	(3.5)	2.61%
Union Home Mortgage	0.00%	(3.5)	0.53%
Synergy One Lending	0.00%	(3.5)	0.93%
Fifth Third Bank	0.01%	(3.5)	0.65%
Bank of England AR	0.01%	(3.5)	0.25%
CenterState Bank	0.01%	(3.5)	0.32%
OneTrust Home Loans	0.01%	(3.5)	0.02%
Amerifirst Home Mortgage	0.01%	(3.5)	0.11%
SecurityNational Mortgage Company	0.01%	(3.5)	0.06%
HomeBridge Financial Services	0.01%	(3.5)	1.87%
Bay Equity Home Loans	0.01%	(3.5)	0.11%
Fidelity Funding Mortgage Corp	0.01%	(3.5)	0.17%
Nations Lending Corporation	0.01%	(3.5)	0.44%
Watson Mortgage Corporation	0.02%	(3.5)	0.02%
Christensen Financial Inc	0.02%	(3.5)	0.13%
Flagstar Bank	0.02%	(3.5)	0.93%
Equity Prime Mortgage	0.02%	(3.5)	0.32%
HomeStar Financial	0.02%	(3.5)	0.11%
TD Bank	0.02%	(3.5)	0.72%
Primary Residential Mortgage Inc	0.02%	(3.5)	0.15%
AnnieMac Home Mortgage	0.02%	(3.5)	0.32%
Finance of America Mortgage	0.04%	(3.5)	0.17%
Embrace Home Loans	0.04%	(3.5)	0.34%
Waterstone Mortgage Corporation	0.05%	(3.5)	0.25%
Supreme Lending	0.06%	(3.0)	0.17%
Hamilton Group Funding	0.07%	(3.0)	0.29%
The Federal Savings Bank	0.08%	(3.0)	0.59%
Quicken Loans	0.09%	(3.0)	24.37%
R P Funding	0.12%	(3.0)	2.40%
Wells Fargo Bank	0.13%	(3.0)	3.41%
Freedom Mortgage Corporation	0.17%	(2.5)	3.77%
Mr. Cooper	0.19%	(2.5)	3.70%
Regions Bank	0.21%	(2.5)	1.35%
NewDay USA	0.48%	(1.0)	0.97%

Lender Name	Rate Difference	Rate Rating	Market Share
Fairwinds Credit Union	-0.34%	(5.0)	2.62%
Space Coast Credit Union	-0.27%	(5.0)	2.44%
DHI Mortgage Company Limited	-0.22%	(4.5)	2.32%
Bank of America	-0.17%	(4.5)	3.42%
Addition Financial	-0.16%	(4.5)	0.49%
VyStar Credit Union	-0.15%	(4.0)	2.60%
Ameris Bank	-0.14%	(4.0)	1.96%
PNC Bank	-0.14%	(4.0)	2.12%
M/I Financial	-0.13%	(4.0)	0.30%
Trustco Bank	-0.13%	(4.0)	0.56%
SunTrust Bank	-0.13%	(4.0)	2.69%
Seacoast National Bank	-0.12%	(4.0)	1.69%
Amerisave Mortgage Corporation	-0.11%	(4.0)	0.61%
Truist Bank	-0.10%	(4.0)	0.83%
Provident Funding	-0.10%	(4.0)	0.44%
US Bank	-0.09%	(4.0)	0.63%
JPMorgan Chase Bank	-0.09%	(4.0)	2.68%
loanDepot	-0.07%	(4.0)	2.17%
Fifth Third Bank	-0.07%	(4.0)	0.74%
Northpointe Bank	-0.06%	(4.0)	0.37%
Guaranteed Rate Affinity	-0.06%	(4.0)	0.46%
Wells Fargo Bank	-0.05%	(4.0)	5.88%
CenterState Bank	-0.05%	(4.0)	0.64%
USAA	-0.05%	(3.5)	0.64%
Cherry Creek Mortgage	-0.05%	(3.5)	0.60%
KBHS Home Loans	-0.03%	(3.5)	0.36%
IBERIABANK	-0.03%	(3.5)	1.03%
Florida Capital Bank	-0.03%	(3.5)	0.42%
TD Bank	-0.02%	(3.5)	0.87%
Cardinal Financial Company	-0.02%	(3.5)	0.61%
Home Point Financial Corporation	-0.02%	(3.5)	0.42%
The Mortgage Firm	-0.02%	(3.5)	3.27%
NewRez	-0.01%	(3.5)	0.44%
Movement Mortgage	-0.01%	(3.5)	0.60%
Guaranteed Rate	0.00%	(3.5)	0.41%
The Federal Savings Bank	0.01%	(3.5)	0.02%
Nations Lending Corporation	0.01%	(3.5)	0.16%
FBC Mortgage	0.01%	(3.5)	5.14%
CMG Financial	0.01%	(3.5)	0.18%
Synergy One Lending	0.02%	(3.5)	1.71%
Flagstar Bank	0.02%	(3.5)	0.97%
Amerifirst Home Mortgage	0.02%	(3.5)	0.25%
Land Home Financial Services	0.02%	(3.5)	0.12%
Carrington Mortgage Services	0.03%	(3.5)	0.46%
Caliber Home Loans	0.04%	(3.5)	2.51%
Lakeview Loan Servicing	0.04%	(3.5)	0.34%
NVR Mortgage Finance Inc	0.04%	(3.5)	0.34%
Watson Mortgage Corporation	0.05%	(3.5)	0.35%
New American Funding	0.05%	(3.5)	0.53%
Bay Equity Home Loans	0.05%	(3.0)	0.27%
Bank of England AR	0.05%	(3.0)	0.80%
PennyMac Loan Services	0.06%	(3.0)	0.57%
Fidelity Funding Mortgage Corp	0.06%	(3.0)	0.39%
Stearns Home Loans	0.06%	(3.0)	0.26%
Christensen Financial Inc	0.06%	(3.0)	0.22%
HomeStar Financial	0.07%	(3.0)	0.42%
OneTrust Home Loans	0.08%	(3.0)	0.08%
Equity Prime Mortgage	0.08%	(3.0)	0.47%
Embrace Home Loans	0.08%	(3.0)	0.22%
Primary Residential Mortgage Inc	0.08%	(3.0)	0.30%
Union Home Mortgage	0.08%	(3.0)	0.57%
PRMG Mortgage	0.10%	(3.0)	0.25%
Fairway Independent Mortgage Corporation	0.10%	(3.0)	2.24%
Hamilton Group Funding	0.11%	(3.0)	0.46%
Regions Bank	0.11%	(3.0)	1.56%
HomeBridge Financial Services	0.11%	(3.0)	4.73%
Navy Federal Credit Union	0.11%	(3.0)	1.02%
SecurityNational Mortgage Company	0.11%	(3.0)	0.16%
Supreme Lending	0.13%	(3.0)	0.29%
R P Funding	0.13%	(3.0)	1.42%
Waterstone Mortgage Corporation	0.14%	(3.0)	1.29%
Quicken Loans	0.15%	(2.5)	13.53%
PrimeLending	0.17%	(2.5)	0.87%
Freedom Mortgage Corporation	0.19%	(2.5)	2.44%
Planet Home Lending	0.20%	(2.5)	1.52%
Finance of America Mortgage	0.20%	(2.5)	0.29%
AnnieMac Home Mortgage	0.24%	(2.5)	0.84%
Mr. Cooper	0.27%	(2.0)	1.14%

Lender Name	Rate Difference	Rate Rating	Market Share
Fairwinds Credit Union	-0.30%	(5.0)	2.05%
Bank of America	-0.23%	(4.5)	2.74%
DHI Mortgage Company Limited	-0.22%	(4.5)	3.69%
Space Coast Credit Union	-0.22%	(4.5)	1.77%
Ameris Bank	-0.17%	(4.5)	2.50%
SunTrust Bank	-0.16%	(4.5)	2.33%
JPMorgan Chase Bank	-0.15%	(4.0)	2.37%
Wells Fargo Bank	-0.14%	(4.0)	6.43%
Fifth Third Bank	-0.13%	(4.0)	0.65%
M/I Financial	-0.13%	(4.0)	0.48%
Addition Financial	-0.11%	(4.0)	0.43%
US Bank	-0.11%	(4.0)	0.61%
Seacoast National Bank	-0.10%	(4.0)	2.12%
PNC Bank	-0.09%	(4.0)	1.58%
CenterState Bank	-0.07%	(4.0)	0.75%
loanDepot	-0.07%	(4.0)	1.53%
Northpointe Bank	-0.07%	(4.0)	0.45%
Guaranteed Rate Affinity	-0.06%	(4.0)	0.56%
Provident Funding	-0.06%	(4.0)	0.30%
VyStar Credit Union	-0.06%	(4.0)	1.56%
Cherry Creek Mortgage	-0.06%	(4.0)	0.65%
TD Bank	-0.06%	(4.0)	0.80%
USAA	-0.05%	(4.0)	0.89%
Truist Bank	-0.04%	(3.5)	0.75%
Cardinal Financial Company	-0.03%	(3.5)	0.48%
Florida Capital Bank	-0.03%	(3.5)	0.61%
KBHS Home Loans	-0.03%	(3.5)	0.58%
Trustco Bank	-0.02%	(3.5)	0.32%
IBERIABANK	-0.02%	(3.5)	1.36%
PennyMac Loan Services	-0.00%	(3.5)	0.22%
Movement Mortgage	-0.00%	(3.5)	0.89%
Home Point Financial Corporation	-0.00%	(3.5)	0.47%
The Mortgage Firm	0.00%	(3.5)	4.34%
Nations Lending Corporation	0.00%	(3.5)	0.15%
Guaranteed Rate	0.01%	(3.5)	0.50%
The Federal Savings Bank	0.01%	(3.5)	0.02%
Regions Bank	0.01%	(3.5)	1.30%
Flagstar Bank	0.01%	(3.5)	0.95%
CMG Financial	0.01%	(3.5)	0.26%
Amerisave Mortgage Corporation	0.02%	(3.5)	0.07%
Synergy One Lending	0.02%	(3.5)	2.14%
Amerifirst Home Mortgage	0.03%	(3.5)	0.34%
FBC Mortgage	0.03%	(3.5)	6.98%
NVR Mortgage Finance Inc	0.04%	(3.5)	0.54%
Watson Mortgage Corporation	0.05%	(3.5)	0.54%
Carrington Mortgage Services	0.05%	(3.0)	0.15%
Caliber Home Loans	0.05%	(3.0)	3.11%
Land Home Financial Services	0.05%	(3.0)	0.09%
Bay Equity Home Loans	0.06%	(3.0)	0.37%
Lakeview Loan Servicing	0.06%	(3.0)	0.32%
Bank of England AR	0.06%	(3.0)	1.12%
Fidelity Funding Mortgage Corp	0.07%	(3.0)	0.50%
Mr. Cooper	0.07%	(3.0)	0.24%
Christensen Financial Inc	0.07%	(3.0)	0.26%
HomeStar Financial	0.08%	(3.0)	0.60%
OneTrust Home Loans	0.08%	(3.0)	0.13%
New American Funding	0.09%	(3.0)	0.58%
Primary Residential Mortgage Inc	0.09%	(3.0)	0.41%
Embrace Home Loans	0.09%	(3.0)	0.26%
Equity Prime Mortgage	0.10%	(3.0)	0.54%
Stearns Home Loans	0.10%	(3.0)	0.28%
R P Funding	0.11%	(3.0)	0.34%
Hamilton Group Funding	0.12%	(3.0)	0.50%
HomeBridge Financial Services	0.12%	(3.0)	6.59%
Union Home Mortgage	0.12%	(3.0)	0.56%
SecurityNational Mortgage Company	0.12%	(3.0)	0.24%
Fairway Independent Mortgage Corporation	0.13%	(3.0)	3.05%
NewRez	0.13%	(3.0)	0.20%
PRMG Mortgage	0.13%	(3.0)	0.32%
Supreme Lending	0.15%	(3.0)	0.35%
Waterstone Mortgage Corporation	0.15%	(3.0)	1.84%
Navy Federal Credit Union	0.15%	(2.5)	1.32%
Quicken Loans	0.15%	(2.5)	7.21%
Freedom Mortgage Corporation	0.18%	(2.5)	2.68%
PrimeLending	0.19%	(2.5)	1.27%
Finance of America Mortgage	0.24%	(2.5)	0.37%
Planet Home Lending	0.25%	(2.0)	1.96%
AnnieMac Home Mortgage	0.27%	(2.0)	1.17%

Lender Name	Rate Difference	Rate Rating	Market Share
Fairwinds Credit Union	-0.38%	(5.0)	3.59%
Space Coast Credit Union	-0.31%	(5.0)	3.56%
Addition Financial	-0.21%	(4.5)	0.60%
VyStar Credit Union	-0.20%	(4.5)	4.35%
Trustco Bank	-0.19%	(4.5)	0.98%
PNC Bank	-0.18%	(4.5)	3.03%
Truist Bank	-0.18%	(4.5)	0.98%
Seacoast National Bank	-0.16%	(4.5)	0.95%
FBC Mortgage	-0.13%	(4.0)	2.02%
Provident Funding	-0.12%	(4.0)	0.69%
Amerisave Mortgage Corporation	-0.12%	(4.0)	1.51%
Bank of America	-0.11%	(4.0)	4.57%
The Mortgage Firm	-0.09%	(4.0)	1.45%
SunTrust Bank	-0.09%	(4.0)	3.31%
loanDepot	-0.08%	(4.0)	3.25%
NewRez	-0.07%	(4.0)	0.85%
US Bank	-0.07%	(4.0)	0.66%
IBERIABANK	-0.07%	(4.0)	0.47%
Home Point Financial Corporation	-0.06%	(4.0)	0.35%
Navy Federal Credit Union	-0.06%	(4.0)	0.50%
Northpointe Bank	-0.05%	(4.0)	0.25%
Ameris Bank	-0.05%	(4.0)	1.04%
Planet Home Lending	-0.04%	(3.5)	0.79%
Guaranteed Rate Affinity	-0.03%	(3.5)	0.28%
New American Funding	-0.03%	(3.5)	0.44%
Fairway Independent Mortgage Corporation	-0.03%	(3.5)	0.85%
Cherry Creek Mortgage	-0.03%	(3.5)	0.50%
Stearns Home Loans	-0.03%	(3.5)	0.22%
USAA	-0.02%	(3.5)	0.22%
Caliber Home Loans	-0.02%	(3.5)	1.48%
PRMG Mortgage	-0.02%	(3.5)	0.13%
JPMorgan Chase Bank	-0.02%	(3.5)	3.21%
Movement Mortgage	-0.02%	(3.5)	0.09%
Florida Capital Bank	-0.01%	(3.5)	0.09%
Cardinal Financial Company	-0.01%	(3.5)	0.82%
Land Home Financial Services	-0.01%	(3.5)	0.16%
Amerifirst Home Mortgage	-0.01%	(3.5)	0.09%
CMG Financial	-0.00%	(3.5)	0.03%
Synergy One Lending	-0.00%	(3.5)	0.98%
Guaranteed Rate	0.00%	(3.5)	0.25%
Lakeview Loan Servicing	0.00%	(3.5)	0.38%
PrimeLending	0.00%	(3.5)	0.19%
The Federal Savings Bank	0.00%	(3.5)	0.03%
SecurityNational Mortgage Company	0.01%	(3.5)	0.03%
Fifth Third Bank	0.01%	(3.5)	0.88%
Bay Equity Home Loans	0.01%	(3.5)	0.09%
CenterState Bank	0.01%	(3.5)	0.47%
Bank of England AR	0.01%	(3.5)	0.25%
Nations Lending Corporation	0.01%	(3.5)	0.19%
Carrington Mortgage Services	0.02%	(3.5)	0.98%
Finance of America Mortgage	0.02%	(3.5)	0.16%
Watson Mortgage Corporation	0.02%	(3.5)	0.03%
Union Home Mortgage	0.02%	(3.5)	0.60%
Christensen Financial Inc	0.02%	(3.5)	0.16%
TD Bank	0.03%	(3.5)	0.98%
Fidelity Funding Mortgage Corp	0.03%	(3.5)	0.19%
HomeStar Financial	0.03%	(3.5)	0.13%
Equity Prime Mortgage	0.03%	(3.5)	0.35%
AnnieMac Home Mortgage	0.03%	(3.5)	0.28%
Flagstar Bank	0.03%	(3.5)	1.01%
Primary Residential Mortgage Inc	0.04%	(3.5)	0.13%
Embrace Home Loans	0.05%	(3.5)	0.16%
HomeBridge Financial Services	0.05%	(3.5)	1.58%
Waterstone Mortgage Corporation	0.06%	(3.0)	0.35%
PennyMac Loan Services	0.07%	(3.0)	1.17%
Supreme Lending	0.08%	(3.0)	0.19%
Hamilton Group Funding	0.08%	(3.0)	0.38%
R P Funding	0.13%	(3.0)	3.25%
Wells Fargo Bank	0.14%	(3.0)	4.95%
Quicken Loans	0.15%	(3.0)	24.24%
Freedom Mortgage Corporation	0.21%	(2.5)	2.02%
Regions Bank	0.22%	(2.5)	1.99%
Mr. Cooper	0.30%	(2.0)	2.65%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.22%	(4.5)	0.96%
Ameris Bank	-0.19%	(4.5)	0.92%
Caliber Home Loans	-0.19%	(4.5)	4.98%
DHI Mortgage Company Limited	-0.14%	(4.0)	3.49%
IBERIABANK	-0.13%	(4.0)	1.78%
PNC Bank	-0.10%	(4.0)	0.33%
Cherry Creek Mortgage	-0.10%	(4.0)	0.82%
Florida Capital Bank	-0.09%	(4.0)	0.56%
The Mortgage Firm	-0.07%	(4.0)	3.82%
Freedom Mortgage Corporation	-0.06%	(4.0)	7.94%
Stearns Home Loans	-0.06%	(4.0)	0.92%
Quicken Loans	-0.06%	(4.0)	12.45%
NewRez	-0.05%	(4.0)	0.79%
FBC Mortgage	-0.05%	(4.0)	5.83%
HomeBridge Financial Services	-0.05%	(3.5)	4.88%
Fifth Third Bank	-0.05%	(3.5)	0.26%
Flagstar Bank	-0.04%	(3.5)	1.61%
Union Home Mortgage	-0.04%	(3.5)	0.69%
Guaranteed Rate Affinity	-0.04%	(3.5)	0.36%
Lakeview Loan Servicing	-0.03%	(3.5)	1.35%
PennyMac Loan Services	-0.03%	(3.5)	1.25%
Navy Federal Credit Union	-0.03%	(3.5)	0.10%
Seacoast National Bank	-0.03%	(3.5)	0.23%
SunTrust Bank	-0.03%	(3.5)	0.36%
Regions Bank	-0.03%	(3.5)	0.36%
Truist Bank	-0.02%	(3.5)	0.07%
Home Point Financial Corporation	-0.02%	(3.5)	1.15%
Cardinal Financial Company	-0.02%	(3.5)	1.61%
Carrington Mortgage Services	-0.02%	(3.5)	2.87%
Watson Mortgage Corporation	-0.02%	(3.5)	0.43%
Amerisave Mortgage Corporation	-0.02%	(3.5)	0.33%
Space Coast Credit Union	-0.01%	(3.5)	0.07%
Nations Lending Corporation	-0.01%	(3.5)	0.66%
CenterState Bank	-0.01%	(3.5)	0.13%
Provident Funding	-0.01%	(3.5)	0.07%
Fidelity Funding Mortgage Corp	-0.00%	(3.5)	0.59%
The Federal Savings Bank	-0.00%	(3.5)	0.07%
KBHS Home Loans	-0.00%	(3.5)	0.23%
Movement Mortgage	0.00%	(3.5)	0.89%
M/I Financial	0.00%	(3.5)	0.03%
Land Home Financial Services	0.01%	(3.5)	0.66%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	3.10%
TD Bank	0.01%	(3.5)	0.03%
Guaranteed Rate	0.02%	(3.5)	0.49%
US Bank	0.02%	(3.5)	0.10%
SecurityNational Mortgage Company	0.02%	(3.5)	0.72%
JPMorgan Chase Bank	0.03%	(3.5)	0.07%
Northpointe Bank	0.03%	(3.5)	0.10%
NewDay USA	0.03%	(3.5)	0.03%
Equity Prime Mortgage	0.03%	(3.5)	1.12%
Supreme Lending	0.04%	(3.5)	0.30%
Hamilton Group Funding	0.05%	(3.5)	1.12%
Embrace Home Loans	0.05%	(3.0)	0.53%
PrimeLending	0.06%	(3.0)	0.86%
Christensen Financial Inc	0.07%	(3.0)	0.59%
PRMG Mortgage	0.07%	(3.0)	1.38%
loanDepot	0.07%	(3.0)	2.17%
Wells Fargo Bank	0.08%	(3.0)	0.16%
NVR Mortgage Finance Inc	0.10%	(3.0)	0.46%
Mr. Cooper	0.10%	(3.0)	2.90%
Primary Residential Mortgage Inc	0.11%	(3.0)	0.43%
Finance of America Mortgage	0.11%	(3.0)	0.49%
HomeStar Financial	0.11%	(3.0)	0.69%
CMG Financial	0.12%	(3.0)	0.43%
Bank of England AR	0.14%	(3.0)	1.35%
AnnieMac Home Mortgage	0.15%	(2.5)	1.15%
Amerifirst Home Mortgage	0.15%	(2.5)	0.86%
Synergy One Lending	0.16%	(2.5)	3.16%
New American Funding	0.17%	(2.5)	1.65%
Waterstone Mortgage Corporation	0.19%	(2.5)	1.35%
Bay Equity Home Loans	0.21%	(2.5)	0.72%
OneTrust Home Loans	0.39%	(1.5)	1.45%
Planet Home Lending	0.44%	(1.5)	3.10%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.22%	(4.5)	1.29%
Caliber Home Loans	-0.22%	(4.5)	5.48%
Ameris Bank	-0.20%	(4.5)	1.16%
Freedom Mortgage Corporation	-0.16%	(4.5)	7.75%
DHI Mortgage Company Limited	-0.14%	(4.0)	4.72%
IBERIABANK	-0.14%	(4.0)	2.32%
PNC Bank	-0.10%	(4.0)	0.45%
The Mortgage Firm	-0.10%	(4.0)	4.41%
Cherry Creek Mortgage	-0.10%	(4.0)	1.11%
Florida Capital Bank	-0.10%	(4.0)	0.71%
PennyMac Loan Services	-0.08%	(4.0)	0.36%
Stearns Home Loans	-0.07%	(4.0)	1.16%
Fifth Third Bank	-0.06%	(4.0)	0.27%
HomeBridge Financial Services	-0.05%	(4.0)	6.01%
Cardinal Financial Company	-0.05%	(4.0)	1.38%
Quicken Loans	-0.05%	(4.0)	5.12%
FBC Mortgage	-0.05%	(3.5)	7.04%
SunTrust Bank	-0.04%	(3.5)	0.36%
Flagstar Bank	-0.04%	(3.5)	2.14%
Lakeview Loan Servicing	-0.04%	(3.5)	0.49%
Guaranteed Rate Affinity	-0.04%	(3.5)	0.49%
Union Home Mortgage	-0.04%	(3.5)	0.76%
Seacoast National Bank	-0.04%	(3.5)	0.27%
Navy Federal Credit Union	-0.03%	(3.5)	0.13%
Regions Bank	-0.03%	(3.5)	0.49%
Home Point Financial Corporation	-0.03%	(3.5)	1.11%
Truist Bank	-0.02%	(3.5)	0.09%
Watson Mortgage Corporation	-0.02%	(3.5)	0.58%
Space Coast Credit Union	-0.01%	(3.5)	0.09%
NewRez	-0.01%	(3.5)	0.27%
CenterState Bank	-0.01%	(3.5)	0.18%
Carrington Mortgage Services	-0.01%	(3.5)	1.16%
US Bank	-0.00%	(3.5)	0.04%
Nations Lending Corporation	-0.00%	(3.5)	0.58%
The Federal Savings Bank	-0.00%	(3.5)	0.09%
KBHS Home Loans	-0.00%	(3.5)	0.31%
Fidelity Funding Mortgage Corp	-0.00%	(3.5)	0.71%
Movement Mortgage	0.00%	(3.5)	1.07%
M/I Financial	0.00%	(3.5)	0.04%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	3.74%
TD Bank	0.01%	(3.5)	0.04%
Land Home Financial Services	0.02%	(3.5)	0.71%
JPMorgan Chase Bank	0.02%	(3.5)	0.04%
SecurityNational Mortgage Company	0.03%	(3.5)	0.89%
Embrace Home Loans	0.03%	(3.5)	0.36%
Guaranteed Rate	0.03%	(3.5)	0.49%
Equity Prime Mortgage	0.03%	(3.5)	1.47%
Northpointe Bank	0.04%	(3.5)	0.09%
Supreme Lending	0.05%	(3.5)	0.31%
Hamilton Group Funding	0.05%	(3.5)	1.47%
PrimeLending	0.06%	(3.0)	1.11%
Christensen Financial Inc	0.07%	(3.0)	0.76%
PRMG Mortgage	0.08%	(3.0)	1.65%
Wells Fargo Bank	0.08%	(3.0)	0.22%
loanDepot	0.09%	(3.0)	1.69%
NVR Mortgage Finance Inc	0.10%	(3.0)	0.62%
Finance of America Mortgage	0.11%	(3.0)	0.53%
HomeStar Financial	0.12%	(3.0)	0.89%
CMG Financial	0.12%	(3.0)	0.58%
Primary Residential Mortgage Inc	0.12%	(3.0)	0.49%
Mr. Cooper	0.13%	(3.0)	0.89%
Bank of England AR	0.15%	(2.5)	1.69%
Amerifirst Home Mortgage	0.16%	(2.5)	1.07%
AnnieMac Home Mortgage	0.16%	(2.5)	1.43%
Synergy One Lending	0.16%	(2.5)	4.10%
Waterstone Mortgage Corporation	0.19%	(2.5)	1.83%
New American Funding	0.19%	(2.5)	2.00%
Bay Equity Home Loans	0.22%	(2.5)	0.94%
OneTrust Home Loans	0.40%	(1.5)	1.92%
Planet Home Lending	0.48%	(1.0)	3.79%

Lender Name	Rate Difference	Rate Rating	Market Share
FBC Mortgage	-0.07%	(4.0)	2.41%
NewRez	-0.06%	(4.0)	2.28%
Quicken Loans	-0.06%	(4.0)	33.29%
Caliber Home Loans	-0.06%	(4.0)	3.54%
Union Home Mortgage	-0.04%	(3.5)	0.51%
Lakeview Loan Servicing	-0.03%	(3.5)	3.80%
Carrington Mortgage Services	-0.03%	(3.5)	7.72%
Guaranteed Rate	-0.02%	(3.5)	0.51%
PennyMac Loan Services	-0.02%	(3.5)	3.80%
Nations Lending Corporation	-0.02%	(3.5)	0.89%
Amerisave Mortgage Corporation	-0.01%	(3.5)	1.27%
Land Home Financial Services	-0.01%	(3.5)	0.51%
Home Point Financial Corporation	-0.01%	(3.5)	1.27%
Fidelity Funding Mortgage Corp	-0.01%	(3.5)	0.25%
Stearns Home Loans	-0.01%	(3.5)	0.25%
Provident Funding	-0.01%	(3.5)	0.25%
Movement Mortgage	-0.00%	(3.5)	0.38%
New American Funding	-0.00%	(3.5)	0.63%
PRMG Mortgage	-0.00%	(3.5)	0.63%
Florida Capital Bank	-0.00%	(3.5)	0.13%
PrimeLending	0.00%	(3.5)	0.13%
IBERIABANK	0.00%	(3.5)	0.25%
Equity Prime Mortgage	0.01%	(3.5)	0.13%
Hamilton Group Funding	0.01%	(3.5)	0.13%
Christensen Financial Inc	0.01%	(3.5)	0.13%
Fifth Third Bank	0.01%	(3.5)	0.25%
Northpointe Bank	0.01%	(3.5)	0.13%
Flagstar Bank	0.01%	(3.5)	0.13%
Ameris Bank	0.01%	(3.5)	0.25%
SunTrust Bank	0.01%	(3.5)	0.38%
Bank of England AR	0.01%	(3.5)	0.38%
Primary Residential Mortgage Inc	0.01%	(3.5)	0.25%
OneTrust Home Loans	0.02%	(3.5)	0.13%
SecurityNational Mortgage Company	0.02%	(3.5)	0.25%
Seacoast National Bank	0.02%	(3.5)	0.13%
HomeStar Financial	0.02%	(3.5)	0.13%
Supreme Lending	0.02%	(3.5)	0.25%
Synergy One Lending	0.02%	(3.5)	0.51%
HomeBridge Financial Services	0.03%	(3.5)	1.65%
Cardinal Financial Company	0.03%	(3.5)	2.28%
AnnieMac Home Mortgage	0.03%	(3.5)	0.38%
JPMorgan Chase Bank	0.03%	(3.5)	0.13%
NewDay USA	0.03%	(3.5)	0.13%
US Bank	0.03%	(3.5)	0.25%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	1.27%
Planet Home Lending	0.04%	(3.5)	1.14%
Amerifirst Home Mortgage	0.04%	(3.5)	0.25%
Bay Equity Home Loans	0.05%	(3.5)	0.13%
loanDepot	0.05%	(3.0)	3.54%
Embrace Home Loans	0.08%	(3.0)	1.01%
The Mortgage Firm	0.08%	(3.0)	2.15%
Finance of America Mortgage	0.09%	(3.0)	0.38%
Mr. Cooper	0.09%	(3.0)	8.61%
Freedom Mortgage Corporation	0.18%	(2.5)	8.48%

Lender Name	Rate Difference	Rate Rating	Market Share
Wells Fargo Bank	-0.05%	(3.5)	17.00%
Bank of America	-0.01%	(3.5)	11.00%
Navy Federal Credit Union	-0.00%	(3.5)	1.00%
loanDepot	-0.00%	(3.5)	1.00%
Trustco Bank	-0.00%	(3.5)	2.00%
Regions Bank	0.00%	(3.5)	9.00%
Fairwinds Credit Union	0.00%	(3.5)	4.00%
Synergy One Lending	0.01%	(3.5)	1.00%
TD Bank	0.01%	(3.5)	3.00%
Guaranteed Rate	0.01%	(3.5)	2.00%
Seacoast National Bank	0.01%	(3.5)	3.00%
PNC Bank	0.01%	(3.5)	3.00%
The Mortgage Firm	0.01%	(3.5)	2.00%
Truist Bank	0.01%	(3.5)	4.00%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	3.00%
Fifth Third Bank	0.01%	(3.5)	1.00%
New American Funding	0.01%	(3.5)	1.00%
CenterState Bank	0.01%	(3.5)	1.00%
SunTrust Bank	0.02%	(3.5)	5.00%
Ameris Bank	0.02%	(3.5)	1.00%
Caliber Home Loans	0.02%	(3.5)	2.00%
VyStar Credit Union	0.02%	(3.5)	2.00%
JPMorgan Chase Bank	0.02%	(3.5)	5.00%
US Bank	0.02%	(3.5)	5.00%
Home Point Financial Corporation	0.02%	(3.5)	1.00%
HomeBridge Financial Services	0.02%	(3.5)	4.00%
PrimeLending	0.02%	(3.5)	1.00%
Quicken Loans	0.03%	(3.5)	3.00%
IBERIABANK	0.03%	(3.5)	1.00%
Bay Equity Home Loans	0.03%	(3.5)	1.00%

Lender Name	Rate Difference	Rate Rating	Market Share
Wells Fargo Bank	-0.05%	(3.5)	20.27%
Navy Federal Credit Union	-0.00%	(3.5)	1.35%
Regions Bank	-0.00%	(3.5)	10.81%
loanDepot	0.00%	(3.5)	1.35%
Truist Bank	0.00%	(3.5)	2.70%
The Mortgage Firm	0.00%	(3.5)	1.35%
Bank of America	0.00%	(3.5)	8.11%
Synergy One Lending	0.01%	(3.5)	1.35%
Guaranteed Rate	0.01%	(3.5)	2.70%
Seacoast National Bank	0.01%	(3.5)	4.05%
Fairwinds Credit Union	0.01%	(3.5)	2.70%
PNC Bank	0.01%	(3.5)	1.35%
TD Bank	0.01%	(3.5)	2.70%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	4.05%
Fifth Third Bank	0.01%	(3.5)	1.35%
SunTrust Bank	0.02%	(3.5)	5.41%
CenterState Bank	0.02%	(3.5)	1.35%
Ameris Bank	0.02%	(3.5)	1.35%
VyStar Credit Union	0.02%	(3.5)	1.35%
JPMorgan Chase Bank	0.02%	(3.5)	5.41%
Home Point Financial Corporation	0.02%	(3.5)	1.35%
HomeBridge Financial Services	0.02%	(3.5)	5.41%
US Bank	0.03%	(3.5)	5.41%
PrimeLending	0.03%	(3.5)	1.35%
Caliber Home Loans	0.03%	(3.5)	1.35%
Quicken Loans	0.03%	(3.5)	1.35%
IBERIABANK	0.03%	(3.5)	1.35%
Bay Equity Home Loans	0.03%	(3.5)	1.35%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.03%	(3.5)	19.23%
Trustco Bank	-0.01%	(3.5)	7.69%
TD Bank	-0.01%	(3.5)	3.85%
Wells Fargo Bank	-0.00%	(3.5)	7.69%
Fairwinds Credit Union	-0.00%	(3.5)	7.69%
US Bank	-0.00%	(3.5)	3.85%
PNC Bank	0.01%	(3.5)	7.69%
Caliber Home Loans	0.01%	(3.5)	3.85%
New American Funding	0.01%	(3.5)	3.85%
Regions Bank	0.01%	(3.5)	3.85%
VyStar Credit Union	0.02%	(3.5)	3.85%
JPMorgan Chase Bank	0.02%	(3.5)	3.85%
SunTrust Bank	0.02%	(3.5)	3.85%
The Mortgage Firm	0.02%	(3.5)	3.85%
Truist Bank	0.02%	(3.5)	7.69%
Quicken Loans	0.02%	(3.5)	7.69%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.27%	(5.0)	5.05%
PennyMac Loan Services	-0.13%	(4.0)	2.61%
Caliber Home Loans	-0.11%	(4.0)	4.49%
DHI Mortgage Company Limited	-0.11%	(4.0)	3.98%
Home Point Financial Corporation	-0.10%	(4.0)	1.87%
USAA	-0.10%	(4.0)	6.76%
loanDepot	-0.09%	(4.0)	4.09%
Lakeview Loan Servicing	-0.08%	(4.0)	2.33%
M/I Financial	-0.06%	(4.0)	0.74%
SunTrust Bank	-0.05%	(4.0)	0.80%
Wells Fargo Bank	-0.05%	(4.0)	1.93%
Ameris Bank	-0.04%	(3.5)	1.42%
IBERIABANK	-0.03%	(3.5)	0.62%
Amerisave Mortgage Corporation	-0.03%	(3.5)	0.74%
Seacoast National Bank	-0.03%	(3.5)	0.40%
Union Home Mortgage	-0.02%	(3.5)	0.11%
The Mortgage Firm	-0.02%	(3.5)	0.80%
Truist Bank	-0.01%	(3.5)	0.45%
Guaranteed Rate Affinity	-0.01%	(3.5)	0.51%
PNC Bank	-0.01%	(3.5)	0.51%
Cardinal Financial Company	-0.01%	(3.5)	0.68%
Land Home Financial Services	-0.01%	(3.5)	0.06%
HomeBridge Financial Services	-0.01%	(3.5)	4.71%
CMG Financial	-0.01%	(3.5)	0.51%
Bank of America	-0.00%	(3.5)	0.11%
Fairway Independent Mortgage Corporation	-0.00%	(3.5)	2.33%
Christensen Financial Inc	-0.00%	(3.5)	0.23%
Northpointe Bank	-0.00%	(3.5)	0.28%
Space Coast Credit Union	-0.00%	(3.5)	0.34%
Cherry Creek Mortgage	0.00%	(3.5)	2.50%
Florida Capital Bank	0.01%	(3.5)	0.40%
Watson Mortgage Corporation	0.01%	(3.5)	0.11%
Guaranteed Rate	0.01%	(3.5)	0.34%
Regions Bank	0.01%	(3.5)	0.23%
Supreme Lending	0.01%	(3.5)	0.11%
Finance of America Mortgage	0.01%	(3.5)	0.17%
PrimeLending	0.01%	(3.5)	0.28%
TD Bank	0.01%	(3.5)	0.17%
Stearns Home Loans	0.01%	(3.5)	0.51%
FBC Mortgage	0.01%	(3.5)	4.60%
Fifth Third Bank	0.01%	(3.5)	0.11%
Movement Mortgage	0.01%	(3.5)	0.51%
NVR Mortgage Finance Inc	0.01%	(3.5)	0.28%
SecurityNational Mortgage Company	0.01%	(3.5)	0.11%
JPMorgan Chase Bank	0.01%	(3.5)	0.17%
US Bank	0.02%	(3.5)	0.06%
Bay Equity Home Loans	0.02%	(3.5)	0.17%
KBHS Home Loans	0.02%	(3.5)	0.45%
NewRez	0.02%	(3.5)	0.68%
Primary Residential Mortgage Inc	0.02%	(3.5)	0.28%
Bank of England AR	0.02%	(3.5)	0.40%
HomeStar Financial	0.03%	(3.5)	0.11%
AnnieMac Home Mortgage	0.03%	(3.5)	0.68%
Equity Prime Mortgage	0.03%	(3.5)	0.57%
PRMG Mortgage	0.03%	(3.5)	1.25%
Waterstone Mortgage Corporation	0.04%	(3.5)	0.57%
Hamilton Group Funding	0.04%	(3.5)	0.51%
New American Funding	0.04%	(3.5)	0.91%
Embrace Home Loans	0.04%	(3.5)	0.45%
Nations Lending Corporation	0.05%	(3.5)	0.57%
Freedom Mortgage Corporation	0.06%	(3.0)	5.22%
R P Funding	0.06%	(3.0)	0.80%
Fidelity Funding Mortgage Corp	0.07%	(3.0)	0.34%
Synergy One Lending	0.08%	(3.0)	1.99%
Carrington Mortgage Services	0.08%	(3.0)	2.27%
Flagstar Bank	0.09%	(3.0)	2.56%
The Federal Savings Bank	0.09%	(3.0)	1.53%
Amerifirst Home Mortgage	0.10%	(3.0)	0.40%
Mr. Cooper	0.10%	(3.0)	1.93%
Quicken Loans	0.10%	(3.0)	9.20%
OneTrust Home Loans	0.13%	(3.0)	0.51%
Planet Home Lending	0.21%	(2.5)	2.44%
NewDay USA	0.42%	(1.5)	3.07%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.28%	(5.0)	7.52%
DHI Mortgage Company Limited	-0.09%	(4.0)	7.01%
USAA	-0.06%	(4.0)	7.82%
Caliber Home Loans	-0.05%	(3.5)	4.21%
SunTrust Bank	-0.04%	(3.5)	1.00%
Wells Fargo Bank	-0.04%	(3.5)	3.11%
loanDepot	-0.04%	(3.5)	1.40%
M/I Financial	-0.04%	(3.5)	1.30%
Ameris Bank	-0.03%	(3.5)	2.10%
IBERIABANK	-0.01%	(3.5)	1.00%
Seacoast National Bank	-0.01%	(3.5)	0.60%
The Mortgage Firm	-0.00%	(3.5)	1.00%
Fairway Independent Mortgage Corporation	-0.00%	(3.5)	2.71%
PNC Bank	0.00%	(3.5)	0.40%
Truist Bank	0.01%	(3.5)	0.50%
Bank of America	0.01%	(3.5)	0.10%
Cardinal Financial Company	0.01%	(3.5)	0.70%
Land Home Financial Services	0.01%	(3.5)	0.10%
TD Bank	0.01%	(3.5)	0.10%
Guaranteed Rate Affinity	0.01%	(3.5)	0.60%
Guaranteed Rate	0.02%	(3.5)	0.30%
Lakeview Loan Servicing	0.02%	(3.5)	0.30%
Christensen Financial Inc	0.02%	(3.5)	0.40%
Freedom Mortgage Corporation	0.02%	(3.5)	4.41%
Northpointe Bank	0.02%	(3.5)	0.40%
Quicken Loans	0.02%	(3.5)	3.81%
Cherry Creek Mortgage	0.02%	(3.5)	4.01%
Space Coast Credit Union	0.02%	(3.5)	0.40%
Florida Capital Bank	0.03%	(3.5)	0.70%
Watson Mortgage Corporation	0.03%	(3.5)	0.20%
Regions Bank	0.03%	(3.5)	0.40%
Supreme Lending	0.03%	(3.5)	0.20%
Finance of America Mortgage	0.03%	(3.5)	0.30%
PrimeLending	0.03%	(3.5)	0.50%
NewRez	0.03%	(3.5)	0.30%
Fifth Third Bank	0.03%	(3.5)	0.10%
Nations Lending Corporation	0.03%	(3.5)	0.20%
CMG Financial	0.03%	(3.5)	0.30%
JPMorgan Chase Bank	0.03%	(3.5)	0.20%
FBC Mortgage	0.03%	(3.5)	7.01%
NVR Mortgage Finance Inc	0.03%	(3.5)	0.50%
SecurityNational Mortgage Company	0.04%	(3.5)	0.20%
US Bank	0.04%	(3.5)	0.10%
Stearns Home Loans	0.04%	(3.5)	0.80%
Movement Mortgage	0.04%	(3.5)	0.80%
KBHS Home Loans	0.04%	(3.5)	0.80%
PennyMac Loan Services	0.04%	(3.5)	0.40%
Home Point Financial Corporation	0.04%	(3.5)	0.70%
HomeBridge Financial Services	0.04%	(3.5)	5.71%
Bank of England AR	0.04%	(3.5)	0.60%
Bay Equity Home Loans	0.04%	(3.5)	0.20%
Primary Residential Mortgage Inc	0.04%	(3.5)	0.40%
HomeStar Financial	0.05%	(3.5)	0.20%
NewDay USA	0.05%	(3.5)	0.90%
AnnieMac Home Mortgage	0.06%	(3.0)	0.90%
Waterstone Mortgage Corporation	0.06%	(3.0)	0.90%
R P Funding	0.06%	(3.0)	0.30%
Hamilton Group Funding	0.06%	(3.0)	0.80%
Equity Prime Mortgage	0.07%	(3.0)	0.70%
New American Funding	0.08%	(3.0)	1.00%
Mr. Cooper	0.08%	(3.0)	1.00%
Fidelity Funding Mortgage Corp	0.09%	(3.0)	0.60%
PRMG Mortgage	0.10%	(3.0)	1.40%
Embrace Home Loans	0.10%	(3.0)	0.50%
Synergy One Lending	0.11%	(3.0)	2.61%
Amerifirst Home Mortgage	0.12%	(3.0)	0.70%
Carrington Mortgage Services	0.13%	(3.0)	0.80%
Flagstar Bank	0.14%	(3.0)	3.41%
OneTrust Home Loans	0.15%	(2.5)	0.90%
Planet Home Lending	0.28%	(2.0)	3.41%

Lender Name	Rate Difference	Rate Rating	Market Share
Caliber Home Loans	-0.18%	(4.5)	4.85%
Navy Federal Credit Union	-0.17%	(4.5)	1.83%
PennyMac Loan Services	-0.17%	(4.5)	5.50%
Home Point Financial Corporation	-0.16%	(4.5)	3.41%
USAA	-0.14%	(4.0)	5.37%
loanDepot	-0.13%	(4.0)	7.60%
Lakeview Loan Servicing	-0.11%	(4.0)	4.98%
HomeBridge Financial Services	-0.09%	(4.0)	3.41%
PRMG Mortgage	-0.06%	(4.0)	1.05%
Amerisave Mortgage Corporation	-0.06%	(4.0)	1.70%
SunTrust Bank	-0.05%	(4.0)	0.52%
Guaranteed Rate Affinity	-0.05%	(3.5)	0.39%
Stearns Home Loans	-0.05%	(3.5)	0.13%
Union Home Mortgage	-0.05%	(3.5)	0.26%
CMG Financial	-0.04%	(3.5)	0.79%
Flagstar Bank	-0.04%	(3.5)	1.44%
Truist Bank	-0.04%	(3.5)	0.39%
Embrace Home Loans	-0.04%	(3.5)	0.39%
The Mortgage Firm	-0.04%	(3.5)	0.52%
Cardinal Financial Company	-0.03%	(3.5)	0.66%
Movement Mortgage	-0.03%	(3.5)	0.13%
Ameris Bank	-0.03%	(3.5)	0.52%
Space Coast Credit Union	-0.03%	(3.5)	0.26%
PNC Bank	-0.03%	(3.5)	0.66%
Bank of America	-0.03%	(3.5)	0.13%
Primary Residential Mortgage Inc	-0.03%	(3.5)	0.13%
Hamilton Group Funding	-0.03%	(3.5)	0.13%
Northpointe Bank	-0.03%	(3.5)	0.13%
Equity Prime Mortgage	-0.03%	(3.5)	0.39%
Bay Equity Home Loans	-0.03%	(3.5)	0.13%
Bank of England AR	-0.02%	(3.5)	0.13%
FBC Mortgage	-0.02%	(3.5)	1.44%
Seacoast National Bank	-0.02%	(3.5)	0.13%
New American Funding	-0.02%	(3.5)	0.79%
IBERIABANK	-0.02%	(3.5)	0.13%
AnnieMac Home Mortgage	-0.01%	(3.5)	0.39%
Fifth Third Bank	-0.01%	(3.5)	0.13%
TD Bank	-0.01%	(3.5)	0.26%
Waterstone Mortgage Corporation	-0.01%	(3.5)	0.13%
Guaranteed Rate	-0.01%	(3.5)	0.39%
JPMorgan Chase Bank	-0.01%	(3.5)	0.13%
NewRez	-0.01%	(3.5)	1.18%
Cherry Creek Mortgage	-0.00%	(3.5)	0.52%
Fairway Independent Mortgage Corporation	0.00%	(3.5)	1.83%
Wells Fargo Bank	0.01%	(3.5)	0.39%
Synergy One Lending	0.01%	(3.5)	1.18%
Planet Home Lending	0.03%	(3.5)	1.18%
Nations Lending Corporation	0.03%	(3.5)	1.05%
R P Funding	0.04%	(3.5)	1.44%
Carrington Mortgage Services	0.04%	(3.5)	4.19%
The Federal Savings Bank	0.06%	(3.0)	3.54%
Mr. Cooper	0.09%	(3.0)	3.15%
Freedom Mortgage Corporation	0.09%	(3.0)	6.29%
Quicken Loans	0.11%	(3.0)	16.25%
NewDay USA	0.47%	(1.0)	5.90%

* Data is compiled for the Palm Coast, FL commuting zone area, which comprises of counties of Flagler County, FL, and Volusia County, FL. This includes cities/towns/communities of Palm Coast, FL as well as Deltona, FL, DeLand, FL, Port Orange, FL, DeBary, FL, Daytona Beach, FL, Ormond Beach, FL, Edgewater, FL, New Smyrna Beach, FL, Samsula-Spruce Creek, FL, Holly Hill, FL, Bunnell, FL, Ormond-by-the-Sea, FL, Flagler Beach, FL, Glencoe, FL, Daytona Beach Shores, FL, South Daytona, FL, Orange City, FL, Marineland, FL, Lake Helen, FL, Flagler Beach, FL, Oak Hill, FL, Ponce Inlet, FL, Pierson, FL, West DeLand, FL, De Leon Springs, FL, and Seville, FL. 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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