Top Mortgage Lenders in Gainesville, GA

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

Going by historical data, the best mortgage lender in the Gainesville, GA area in terms of interest rate is Associated Credit Union, with an average “Rate Difference” of -0.24%. This means that, comparing similar borrowers, Associated Credit Union provided a -0.24% lower interest rate for its customers than other lenders in the area. Associated Credit Union has a market share of 0.6%. On the other hand, the most popular lender in the Gainesville, GA area is Quicken Loans, with a larger market share of 14.6%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.05% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Gainesville, GA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Gainesville, GA is Associated 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 Regions Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Ameris 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 Gainesville, GA

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
Associated Credit Union	-0.24%	(4.5)	0.57%
Ameris Bank	-0.21%	(4.5)	3.20%
Provident Funding	-0.20%	(4.5)	3.10%
Delta Community Credit Union	-0.17%	(4.5)	0.82%
Bank of America	-0.14%	(4.0)	1.79%
Keller Mortgage	-0.14%	(4.0)	0.89%
NexBank	-0.13%	(4.0)	0.83%
SunTrust Bank	-0.13%	(4.0)	1.92%
Georgia’s Own Credit Union	-0.13%	(4.0)	0.41%
loanDepot	-0.10%	(4.0)	2.72%
South State Bank	-0.09%	(4.0)	0.48%
DHI Mortgage Company Limited	-0.08%	(4.0)	1.75%
Inspire Home Loans	-0.08%	(4.0)	1.18%
Truist Bank	-0.08%	(4.0)	1.45%
Capital City Home Loans	-0.07%	(4.0)	1.25%
CenterState Bank	-0.06%	(4.0)	0.37%
Wells Fargo Bank	-0.05%	(4.0)	3.17%
NBKC Bank	-0.05%	(3.5)	0.28%
Amerisave Mortgage Corporation	-0.05%	(3.5)	0.66%
Home Point Financial Corporation	-0.05%	(3.5)	0.82%
Stearns Home Loans	-0.05%	(3.5)	0.93%
Stockton Mortgage	-0.04%	(3.5)	0.23%
JPMorgan Chase Bank	-0.04%	(3.5)	1.46%
Finance of America Mortgage	-0.04%	(3.5)	0.21%
First Federal Bank of Florida	-0.03%	(3.5)	1.41%
FirstBank TN	-0.03%	(3.5)	0.32%
Pulte Mortgage LLC	-0.03%	(3.5)	0.62%
Cardinal Financial Company	-0.03%	(3.5)	0.42%
US Bank	-0.03%	(3.5)	0.42%
PennyMac Loan Services	-0.02%	(3.5)	1.55%
North American Savings Bank	-0.02%	(3.5)	0.23%
Atlantic Bay Mortgage Group	-0.02%	(3.5)	0.21%
Vanderbilt Mortgage	-0.01%	(3.5)	0.72%
Prosperity Home Mortgage LLC	-0.01%	(3.5)	1.22%
NewRez	-0.01%	(3.5)	0.72%
BankSouth Mortgage	-0.01%	(3.5)	2.17%
Synergy One Lending	-0.01%	(3.5)	0.23%
United Community Bank	-0.00%	(3.5)	1.99%
Wyndham Capital Mortgage	0.00%	(3.5)	0.28%
Renasant Bank	0.00%	(3.5)	0.49%
Guaranteed Rate Affinity	0.00%	(3.5)	0.32%
Lakeview Loan Servicing	0.00%	(3.5)	0.38%
USAA	0.00%	(3.5)	1.06%
First Community Mortgage	0.01%	(3.5)	0.44%
Navy Federal Credit Union	0.01%	(3.5)	0.93%
US Mortgage Corporation	0.01%	(3.5)	0.21%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	5.14%
FBC Mortgage	0.01%	(3.5)	1.13%
Supreme Lending	0.02%	(3.5)	1.05%
PNC Bank	0.02%	(3.5)	0.48%
Magnolia Bank	0.02%	(3.5)	0.23%
Shelter Home Mortgage	0.02%	(3.5)	0.60%
The Mortgage Firm	0.02%	(3.5)	0.32%
Bay Equity Home Loans	0.02%	(3.5)	0.28%
Northpointe Bank	0.02%	(3.5)	0.36%
Caliber Home Loans	0.03%	(3.5)	0.83%
PrimeLending	0.03%	(3.5)	0.53%
Georgia United Credit Union	0.03%	(3.5)	0.34%
Success Mortgage Partners	0.03%	(3.5)	0.45%
Movement Mortgage	0.03%	(3.5)	0.70%
Certainty Home Loans	0.03%	(3.5)	0.32%
Carrington Mortgage Services	0.04%	(3.5)	0.64%
DAS Acquisition Company	0.04%	(3.5)	0.48%
Quicken Loans	0.05%	(3.5)	14.62%
Angel Oak Home Loans	0.05%	(3.5)	0.42%
New American Funding	0.05%	(3.0)	1.42%
PRMG Mortgage	0.05%	(3.0)	0.21%
HomeBridge Financial Services	0.06%	(3.0)	0.44%
Guild Mortgage Company	0.06%	(3.0)	0.49%
LendUS LLC	0.07%	(3.0)	0.28%
Guaranteed Rate	0.07%	(3.0)	1.23%
Flagstar Bank	0.07%	(3.0)	0.76%
Acopia Home Loans	0.07%	(3.0)	1.33%
The Federal Savings Bank	0.08%	(3.0)	0.34%
Regions Bank	0.09%	(3.0)	2.32%
Freedom Mortgage Corporation	0.09%	(3.0)	0.95%
Primary Residential Mortgage Inc	0.10%	(3.0)	0.36%
Taylor Morrison Home Funding	0.12%	(3.0)	0.53%
Academy Mortgage Corporation Utah	0.12%	(3.0)	1.51%
Southeast Mortgage of Georgia	0.12%	(3.0)	0.57%
HomeStar Financial	0.12%	(3.0)	7.81%
Guaranty Mortgage Services	0.13%	(3.0)	0.53%
Milend	0.17%	(2.5)	1.16%
OneTrust Home Loans	0.17%	(2.5)	0.34%
Mr. Cooper	0.17%	(2.5)	1.15%
Panorama Mortgage Group	0.27%	(2.0)	0.27%
NewDay USA	0.29%	(2.0)	0.23%

Lender Name	Rate Difference	Rate Rating	Market Share
Ameris Bank	-0.25%	(4.5)	3.29%
Bank of America	-0.22%	(4.5)	1.81%
Wells Fargo Bank	-0.16%	(4.5)	3.37%
Keller Mortgage	-0.15%	(4.0)	1.31%
Associated Credit Union	-0.14%	(4.0)	0.26%
Provident Funding	-0.13%	(4.0)	1.59%
Georgia’s Own Credit Union	-0.12%	(4.0)	0.42%
SunTrust Bank	-0.11%	(4.0)	1.74%
South State Bank	-0.11%	(4.0)	0.45%
Delta Community Credit Union	-0.11%	(4.0)	0.61%
JPMorgan Chase Bank	-0.10%	(4.0)	1.30%
Truist Bank	-0.09%	(4.0)	1.31%
DHI Mortgage Company Limited	-0.08%	(4.0)	2.99%
Inspire Home Loans	-0.08%	(4.0)	2.00%
NexBank	-0.07%	(4.0)	0.56%
loanDepot	-0.07%	(4.0)	2.06%
CenterState Bank	-0.07%	(4.0)	0.40%
Capital City Home Loans	-0.06%	(4.0)	1.65%
Stearns Home Loans	-0.05%	(4.0)	1.29%
Freedom Mortgage Corporation	-0.05%	(3.5)	0.59%
PNC Bank	-0.05%	(3.5)	0.32%
Home Point Financial Corporation	-0.05%	(3.5)	0.81%
Stockton Mortgage	-0.04%	(3.5)	0.24%
US Bank	-0.04%	(3.5)	0.27%
NBKC Bank	-0.04%	(3.5)	0.27%
North American Savings Bank	-0.03%	(3.5)	0.17%
Pulte Mortgage LLC	-0.02%	(3.5)	1.06%
First Federal Bank of Florida	-0.02%	(3.5)	1.39%
PennyMac Loan Services	-0.02%	(3.5)	0.73%
Atlantic Bay Mortgage Group	-0.02%	(3.5)	0.28%
Regions Bank	-0.02%	(3.5)	1.94%
Georgia United Credit Union	-0.02%	(3.5)	0.30%
Vanderbilt Mortgage	-0.02%	(3.5)	0.67%
Quicken Loans	-0.01%	(3.5)	7.32%
Prosperity Home Mortgage LLC	-0.01%	(3.5)	1.83%
BankSouth Mortgage	-0.01%	(3.5)	3.00%
Renasant Bank	0.00%	(3.5)	0.51%
Cardinal Financial Company	0.00%	(3.5)	0.20%
Amerisave Mortgage Corporation	0.00%	(3.5)	0.14%
Wyndham Capital Mortgage	0.00%	(3.5)	0.18%
Guaranteed Rate Affinity	0.01%	(3.5)	0.49%
United Community Bank	0.01%	(3.5)	1.63%
FirstBank TN	0.01%	(3.5)	0.16%
NewDay USA	0.01%	(3.5)	0.03%
First Community Mortgage	0.01%	(3.5)	0.71%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	7.25%
FBC Mortgage	0.02%	(3.5)	1.63%
Navy Federal Credit Union	0.02%	(3.5)	1.31%
Supreme Lending	0.02%	(3.5)	1.32%
US Mortgage Corporation	0.02%	(3.5)	0.31%
Shelter Home Mortgage	0.03%	(3.5)	0.85%
USAA	0.03%	(3.5)	1.15%
Magnolia Bank	0.03%	(3.5)	0.13%
Synergy One Lending	0.03%	(3.5)	0.07%
DAS Acquisition Company	0.03%	(3.5)	0.51%
The Mortgage Firm	0.03%	(3.5)	0.41%
Finance of America Mortgage	0.03%	(3.5)	0.10%
PrimeLending	0.03%	(3.5)	0.71%
Movement Mortgage	0.04%	(3.5)	0.98%
Carrington Mortgage Services	0.04%	(3.5)	0.15%
The Federal Savings Bank	0.04%	(3.5)	0.15%
Certainty Home Loans	0.05%	(3.5)	0.40%
Bay Equity Home Loans	0.05%	(3.0)	0.28%
Caliber Home Loans	0.05%	(3.0)	0.71%
Success Mortgage Partners	0.05%	(3.0)	0.55%
NewRez	0.06%	(3.0)	0.39%
Angel Oak Home Loans	0.06%	(3.0)	0.51%
PRMG Mortgage	0.06%	(3.0)	0.25%
Mr. Cooper	0.07%	(3.0)	0.41%
LendUS LLC	0.07%	(3.0)	0.45%
HomeBridge Financial Services	0.07%	(3.0)	0.58%
Flagstar Bank	0.08%	(3.0)	0.74%
Northpointe Bank	0.08%	(3.0)	0.38%
Guaranteed Rate	0.08%	(3.0)	1.64%
New American Funding	0.09%	(3.0)	1.83%
Guild Mortgage Company	0.09%	(3.0)	0.59%
Acopia Home Loans	0.10%	(3.0)	1.64%
Milend	0.11%	(3.0)	0.49%
Taylor Morrison Home Funding	0.12%	(3.0)	0.91%
Primary Residential Mortgage Inc	0.12%	(3.0)	0.50%
HomeStar Financial	0.14%	(3.0)	11.36%
Southeast Mortgage of Georgia	0.15%	(3.0)	0.77%
Academy Mortgage Corporation Utah	0.15%	(2.5)	2.13%
Guaranty Mortgage Services	0.15%	(2.5)	0.82%
OneTrust Home Loans	0.19%	(2.5)	0.56%
Panorama Mortgage Group	0.28%	(2.0)	0.47%

Lender Name	Rate Difference	Rate Rating	Market Share
Associated Credit Union	-0.29%	(5.0)	1.00%
Provident Funding	-0.23%	(4.5)	5.20%
Delta Community Credit Union	-0.23%	(4.5)	1.11%
NexBank	-0.18%	(4.5)	1.22%
SunTrust Bank	-0.16%	(4.5)	2.17%
Ameris Bank	-0.14%	(4.0)	3.08%
loanDepot	-0.13%	(4.0)	3.63%
Georgia’s Own Credit Union	-0.13%	(4.0)	0.40%
Keller Mortgage	-0.08%	(4.0)	0.30%
Capital City Home Loans	-0.07%	(4.0)	0.68%
Finance of America Mortgage	-0.07%	(4.0)	0.35%
NBKC Bank	-0.07%	(4.0)	0.29%
South State Bank	-0.07%	(4.0)	0.51%
Amerisave Mortgage Corporation	-0.06%	(4.0)	1.38%
Truist Bank	-0.06%	(4.0)	1.65%
FirstBank TN	-0.06%	(4.0)	0.54%
Northpointe Bank	-0.06%	(4.0)	0.35%
Home Point Financial Corporation	-0.05%	(4.0)	0.84%
First Federal Bank of Florida	-0.05%	(4.0)	1.44%
Stockton Mortgage	-0.05%	(3.5)	0.22%
New American Funding	-0.05%	(3.5)	0.86%
Cardinal Financial Company	-0.05%	(3.5)	0.71%
NewRez	-0.04%	(3.5)	1.19%
US Mortgage Corporation	-0.04%	(3.5)	0.08%
Navy Federal Credit Union	-0.04%	(3.5)	0.41%
CenterState Bank	-0.04%	(3.5)	0.33%
USAA	-0.03%	(3.5)	0.94%
Bank of America	-0.03%	(3.5)	1.78%
PennyMac Loan Services	-0.03%	(3.5)	2.70%
Success Mortgage Partners	-0.03%	(3.5)	0.32%
US Bank	-0.02%	(3.5)	0.63%
Atlantic Bay Mortgage Group	-0.02%	(3.5)	0.11%
Bay Equity Home Loans	-0.02%	(3.5)	0.27%
Synergy One Lending	-0.02%	(3.5)	0.44%
North American Savings Bank	-0.02%	(3.5)	0.30%
Stearns Home Loans	-0.02%	(3.5)	0.44%
Prosperity Home Mortgage LLC	-0.02%	(3.5)	0.36%
Inspire Home Loans	-0.02%	(3.5)	0.03%
First Community Mortgage	-0.02%	(3.5)	0.06%
Academy Mortgage Corporation Utah	-0.02%	(3.5)	0.65%
United Community Bank	-0.01%	(3.5)	2.49%
FBC Mortgage	-0.01%	(3.5)	0.43%
Vanderbilt Mortgage	-0.01%	(3.5)	0.79%
Guild Mortgage Company	-0.01%	(3.5)	0.35%
OneTrust Home Loans	-0.01%	(3.5)	0.05%
Wyndham Capital Mortgage	-0.01%	(3.5)	0.43%
The Mortgage Firm	-0.01%	(3.5)	0.19%
Lakeview Loan Servicing	-0.01%	(3.5)	0.92%
Certainty Home Loans	-0.00%	(3.5)	0.22%
Renasant Bank	-0.00%	(3.5)	0.46%
Guaranteed Rate Affinity	0.00%	(3.5)	0.10%
Supreme Lending	0.00%	(3.5)	0.68%
Caliber Home Loans	0.00%	(3.5)	1.01%
HomeBridge Financial Services	0.00%	(3.5)	0.25%
BankSouth Mortgage	0.00%	(3.5)	1.00%
Acopia Home Loans	0.01%	(3.5)	0.90%
DHI Mortgage Company Limited	0.01%	(3.5)	0.02%
Movement Mortgage	0.01%	(3.5)	0.30%
Magnolia Bank	0.01%	(3.5)	0.36%
Shelter Home Mortgage	0.01%	(3.5)	0.25%
Guaranteed Rate	0.01%	(3.5)	0.65%
PrimeLending	0.02%	(3.5)	0.29%
JPMorgan Chase Bank	0.02%	(3.5)	1.68%
Guaranty Mortgage Services	0.02%	(3.5)	0.13%
Southeast Mortgage of Georgia	0.02%	(3.5)	0.29%
LendUS LLC	0.02%	(3.5)	0.03%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	2.20%
HomeStar Financial	0.03%	(3.5)	2.85%
Carrington Mortgage Services	0.03%	(3.5)	1.33%
Angel Oak Home Loans	0.03%	(3.5)	0.29%
Primary Residential Mortgage Inc	0.04%	(3.5)	0.17%
PRMG Mortgage	0.04%	(3.5)	0.14%
PNC Bank	0.05%	(3.0)	0.71%
Flagstar Bank	0.06%	(3.0)	0.78%
DAS Acquisition Company	0.06%	(3.0)	0.44%
Quicken Loans	0.07%	(3.0)	24.80%
Georgia United Credit Union	0.07%	(3.0)	0.41%
The Federal Savings Bank	0.08%	(3.0)	0.60%
Wells Fargo Bank	0.12%	(3.0)	2.90%
Freedom Mortgage Corporation	0.17%	(2.5)	1.46%
Milend	0.18%	(2.5)	2.09%
Mr. Cooper	0.19%	(2.5)	2.19%
Regions Bank	0.19%	(2.5)	2.85%
NewDay USA	0.31%	(2.0)	0.51%

Lender Name	Rate Difference	Rate Rating	Market Share
Associated Credit Union	-0.24%	(4.5)	0.79%
Ameris Bank	-0.22%	(4.5)	3.11%
Provident Funding	-0.19%	(4.5)	4.28%
Delta Community Credit Union	-0.18%	(4.5)	1.05%
Bank of America	-0.15%	(4.5)	2.18%
SunTrust Bank	-0.14%	(4.0)	2.34%
Georgia’s Own Credit Union	-0.14%	(4.0)	0.51%
NexBank	-0.13%	(4.0)	1.12%
loanDepot	-0.13%	(4.0)	2.60%
Keller Mortgage	-0.12%	(4.0)	0.92%
Inspire Home Loans	-0.10%	(4.0)	1.30%
South State Bank	-0.09%	(4.0)	0.64%
Truist Bank	-0.08%	(4.0)	1.69%
DHI Mortgage Company Limited	-0.08%	(4.0)	1.84%
Capital City Home Loans	-0.07%	(4.0)	1.43%
Home Point Financial Corporation	-0.07%	(4.0)	0.64%
NBKC Bank	-0.06%	(4.0)	0.28%
CenterState Bank	-0.06%	(4.0)	0.38%
Amerisave Mortgage Corporation	-0.05%	(4.0)	0.78%
Wells Fargo Bank	-0.05%	(4.0)	3.93%
JPMorgan Chase Bank	-0.05%	(3.5)	1.81%
Cardinal Financial Company	-0.05%	(3.5)	0.40%
Finance of America Mortgage	-0.05%	(3.5)	0.22%
Stockton Mortgage	-0.04%	(3.5)	0.23%
FirstBank TN	-0.04%	(3.5)	0.38%
US Bank	-0.04%	(3.5)	0.45%
Synergy One Lending	-0.03%	(3.5)	0.17%
Pulte Mortgage LLC	-0.03%	(3.5)	0.82%
First Federal Bank of Florida	-0.02%	(3.5)	1.45%
Atlantic Bay Mortgage Group	-0.02%	(3.5)	0.22%
PennyMac Loan Services	-0.01%	(3.5)	1.15%
North American Savings Bank	-0.01%	(3.5)	0.15%
Prosperity Home Mortgage LLC	-0.01%	(3.5)	1.14%
NewRez	-0.01%	(3.5)	0.63%
Wyndham Capital Mortgage	0.01%	(3.5)	0.29%
Supreme Lending	0.01%	(3.5)	1.15%
Guaranteed Rate Affinity	0.01%	(3.5)	0.30%
BankSouth Mortgage	0.01%	(3.5)	2.24%
Renasant Bank	0.01%	(3.5)	0.55%
Bay Equity Home Loans	0.01%	(3.5)	0.27%
Stearns Home Loans	0.01%	(3.5)	0.61%
New American Funding	0.01%	(3.5)	1.15%
United Community Bank	0.02%	(3.5)	2.35%
The Mortgage Firm	0.02%	(3.5)	0.30%
US Mortgage Corporation	0.02%	(3.5)	0.18%
Success Mortgage Partners	0.02%	(3.5)	0.43%
Magnolia Bank	0.02%	(3.5)	0.22%
PNC Bank	0.02%	(3.5)	0.62%
Vanderbilt Mortgage	0.02%	(3.5)	0.51%
Shelter Home Mortgage	0.02%	(3.5)	0.72%
First Community Mortgage	0.03%	(3.5)	0.36%
Northpointe Bank	0.03%	(3.5)	0.46%
Georgia United Credit Union	0.03%	(3.5)	0.48%
USAA	0.03%	(3.5)	0.70%
PrimeLending	0.03%	(3.5)	0.60%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	5.01%
Lakeview Loan Servicing	0.04%	(3.5)	0.05%
Guaranteed Rate	0.04%	(3.5)	0.93%
Certainty Home Loans	0.04%	(3.5)	0.33%
PRMG Mortgage	0.04%	(3.5)	0.13%
The Federal Savings Bank	0.04%	(3.5)	0.14%
Movement Mortgage	0.05%	(3.5)	0.64%
Caliber Home Loans	0.05%	(3.0)	0.71%
Carrington Mortgage Services	0.05%	(3.0)	0.30%
OneTrust Home Loans	0.05%	(3.0)	0.15%
LendUS LLC	0.06%	(3.0)	0.28%
Angel Oak Home Loans	0.07%	(3.0)	0.43%
Quicken Loans	0.07%	(3.0)	16.03%
HomeBridge Financial Services	0.07%	(3.0)	0.35%
DAS Acquisition Company	0.08%	(3.0)	0.44%
FBC Mortgage	0.09%	(3.0)	0.87%
Guild Mortgage Company	0.09%	(3.0)	0.36%
Flagstar Bank	0.10%	(3.0)	0.75%
HomeStar Financial	0.10%	(3.0)	6.27%
Primary Residential Mortgage Inc	0.10%	(3.0)	0.30%
Acopia Home Loans	0.12%	(3.0)	1.24%
Regions Bank	0.13%	(3.0)	2.68%
Academy Mortgage Corporation Utah	0.13%	(3.0)	1.19%
Taylor Morrison Home Funding	0.14%	(3.0)	0.60%
Southeast Mortgage of Georgia	0.16%	(2.5)	0.61%
Freedom Mortgage Corporation	0.16%	(2.5)	0.54%
Guaranty Mortgage Services	0.17%	(2.5)	0.49%
Milend	0.23%	(2.5)	1.14%
Navy Federal Credit Union	0.29%	(2.0)	0.55%
Mr. Cooper	0.29%	(2.0)	0.82%
Panorama Mortgage Group	0.33%	(2.0)	0.17%

Lender Name	Rate Difference	Rate Rating	Market Share
Ameris Bank	-0.26%	(5.0)	3.01%
Bank of America	-0.26%	(5.0)	2.17%
Wells Fargo Bank	-0.17%	(4.5)	4.30%
Georgia’s Own Credit Union	-0.14%	(4.0)	0.54%
Associated Credit Union	-0.13%	(4.0)	0.38%
Provident Funding	-0.13%	(4.0)	2.34%
Keller Mortgage	-0.13%	(4.0)	1.37%
SunTrust Bank	-0.12%	(4.0)	2.17%
JPMorgan Chase Bank	-0.11%	(4.0)	1.71%
Delta Community Credit Union	-0.11%	(4.0)	0.84%
South State Bank	-0.11%	(4.0)	0.64%
Truist Bank	-0.10%	(4.0)	1.56%
Inspire Home Loans	-0.09%	(4.0)	2.34%
loanDepot	-0.08%	(4.0)	2.11%
DHI Mortgage Company Limited	-0.07%	(4.0)	3.34%
Home Point Financial Corporation	-0.07%	(4.0)	0.65%
CenterState Bank	-0.07%	(4.0)	0.38%
NexBank	-0.07%	(4.0)	0.79%
Capital City Home Loans	-0.07%	(4.0)	1.92%
US Bank	-0.05%	(3.5)	0.30%
PNC Bank	-0.05%	(3.5)	0.43%
NBKC Bank	-0.05%	(3.5)	0.25%
Stockton Mortgage	-0.03%	(3.5)	0.20%
Atlantic Bay Mortgage Group	-0.02%	(3.5)	0.28%
Pulte Mortgage LLC	-0.02%	(3.5)	1.49%
Georgia United Credit Union	-0.01%	(3.5)	0.43%
North American Savings Bank	-0.01%	(3.5)	0.13%
PennyMac Loan Services	-0.01%	(3.5)	0.84%
Prosperity Home Mortgage LLC	-0.01%	(3.5)	1.72%
Cardinal Financial Company	0.00%	(3.5)	0.20%
Amerisave Mortgage Corporation	0.00%	(3.5)	0.17%
Carrington Mortgage Services	0.01%	(3.5)	0.03%
BankSouth Mortgage	0.01%	(3.5)	3.21%
Supreme Lending	0.01%	(3.5)	1.45%
First Federal Bank of Florida	0.01%	(3.5)	1.52%
Regions Bank	0.01%	(3.5)	2.07%
Renasant Bank	0.01%	(3.5)	0.59%
Guaranteed Rate Affinity	0.01%	(3.5)	0.48%
FirstBank TN	0.02%	(3.5)	0.18%
Wyndham Capital Mortgage	0.02%	(3.5)	0.18%
Stearns Home Loans	0.02%	(3.5)	0.84%
PRMG Mortgage	0.02%	(3.5)	0.12%
Quicken Loans	0.03%	(3.5)	8.04%
Synergy One Lending	0.03%	(3.5)	0.05%
The Mortgage Firm	0.03%	(3.5)	0.42%
Freedom Mortgage Corporation	0.03%	(3.5)	0.18%
Shelter Home Mortgage	0.03%	(3.5)	1.07%
Finance of America Mortgage	0.03%	(3.5)	0.10%
Magnolia Bank	0.03%	(3.5)	0.15%
First Community Mortgage	0.04%	(3.5)	0.60%
US Mortgage Corporation	0.04%	(3.5)	0.25%
Guaranteed Rate	0.04%	(3.5)	1.27%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	7.22%
PrimeLending	0.04%	(3.5)	0.84%
Success Mortgage Partners	0.04%	(3.5)	0.54%
Bay Equity Home Loans	0.04%	(3.5)	0.25%
New American Funding	0.04%	(3.5)	1.51%
United Community Bank	0.05%	(3.5)	1.79%
USAA	0.05%	(3.5)	0.82%
The Federal Savings Bank	0.05%	(3.0)	0.15%
Caliber Home Loans	0.05%	(3.0)	0.67%
Certainty Home Loans	0.06%	(3.0)	0.42%
Movement Mortgage	0.06%	(3.0)	0.94%
OneTrust Home Loans	0.06%	(3.0)	0.25%
LendUS LLC	0.07%	(3.0)	0.48%
Mr. Cooper	0.07%	(3.0)	0.18%
Angel Oak Home Loans	0.09%	(3.0)	0.54%
DAS Acquisition Company	0.09%	(3.0)	0.40%
Northpointe Bank	0.09%	(3.0)	0.50%
HomeBridge Financial Services	0.09%	(3.0)	0.57%
Vanderbilt Mortgage	0.09%	(3.0)	0.23%
Flagstar Bank	0.10%	(3.0)	0.82%
FBC Mortgage	0.12%	(3.0)	1.27%
NewRez	0.12%	(3.0)	0.30%
Guild Mortgage Company	0.12%	(3.0)	0.48%
HomeStar Financial	0.13%	(3.0)	8.98%
Primary Residential Mortgage Inc	0.14%	(3.0)	0.37%
Taylor Morrison Home Funding	0.14%	(3.0)	1.09%
Milend	0.16%	(2.5)	0.47%
Acopia Home Loans	0.16%	(2.5)	1.59%
Academy Mortgage Corporation Utah	0.18%	(2.5)	1.67%
Guaranty Mortgage Services	0.19%	(2.5)	0.82%
Southeast Mortgage of Georgia	0.20%	(2.5)	0.85%
Panorama Mortgage Group	0.33%	(2.0)	0.32%
Navy Federal Credit Union	0.34%	(2.0)	0.84%

Lender Name	Rate Difference	Rate Rating	Market Share
Associated Credit Union	-0.28%	(5.0)	1.28%
Delta Community Credit Union	-0.24%	(4.5)	1.32%
Provident Funding	-0.23%	(4.5)	6.63%
NexBank	-0.18%	(4.5)	1.52%
SunTrust Bank	-0.17%	(4.5)	2.53%
Ameris Bank	-0.17%	(4.5)	3.24%
loanDepot	-0.17%	(4.5)	3.20%
Georgia’s Own Credit Union	-0.13%	(4.0)	0.49%
Finance of America Mortgage	-0.08%	(4.0)	0.36%
Keller Mortgage	-0.08%	(4.0)	0.36%
Capital City Home Loans	-0.07%	(4.0)	0.83%
First Federal Bank of Florida	-0.07%	(4.0)	1.36%
Cardinal Financial Company	-0.07%	(4.0)	0.65%
Amerisave Mortgage Corporation	-0.07%	(4.0)	1.52%
Home Point Financial Corporation	-0.07%	(4.0)	0.63%
NBKC Bank	-0.07%	(4.0)	0.32%
Truist Bank	-0.07%	(4.0)	1.84%
South State Bank	-0.06%	(4.0)	0.65%
FirstBank TN	-0.06%	(4.0)	0.61%
Northpointe Bank	-0.06%	(4.0)	0.41%
NewRez	-0.06%	(4.0)	1.03%
New American Funding	-0.05%	(4.0)	0.71%
Stockton Mortgage	-0.05%	(3.5)	0.26%
Synergy One Lending	-0.05%	(3.5)	0.32%
US Mortgage Corporation	-0.04%	(3.5)	0.10%
CenterState Bank	-0.04%	(3.5)	0.36%
US Bank	-0.03%	(3.5)	0.63%
Bank of America	-0.03%	(3.5)	2.19%
Academy Mortgage Corporation Utah	-0.03%	(3.5)	0.61%
Success Mortgage Partners	-0.03%	(3.5)	0.30%
PennyMac Loan Services	-0.02%	(3.5)	1.54%
Bay Equity Home Loans	-0.02%	(3.5)	0.28%
Atlantic Bay Mortgage Group	-0.02%	(3.5)	0.14%
First Community Mortgage	-0.02%	(3.5)	0.06%
Prosperity Home Mortgage LLC	-0.02%	(3.5)	0.43%
Inspire Home Loans	-0.01%	(3.5)	0.04%
United Community Bank	-0.01%	(3.5)	3.02%
HomeBridge Financial Services	-0.01%	(3.5)	0.08%
North American Savings Bank	-0.01%	(3.5)	0.16%
Vanderbilt Mortgage	-0.01%	(3.5)	0.85%
The Mortgage Firm	-0.01%	(3.5)	0.16%
FBC Mortgage	-0.01%	(3.5)	0.39%
Wyndham Capital Mortgage	-0.00%	(3.5)	0.43%
OneTrust Home Loans	-0.00%	(3.5)	0.02%
Guaranteed Rate Affinity	-0.00%	(3.5)	0.08%
Supreme Lending	0.00%	(3.5)	0.77%
Certainty Home Loans	0.00%	(3.5)	0.22%
Stearns Home Loans	0.00%	(3.5)	0.34%
Renasant Bank	0.00%	(3.5)	0.51%
USAA	0.01%	(3.5)	0.55%
Magnolia Bank	0.01%	(3.5)	0.30%
BankSouth Mortgage	0.01%	(3.5)	1.05%
DHI Mortgage Company Limited	0.01%	(3.5)	0.02%
Shelter Home Mortgage	0.02%	(3.5)	0.30%
JPMorgan Chase Bank	0.02%	(3.5)	1.95%
Movement Mortgage	0.02%	(3.5)	0.28%
Guild Mortgage Company	0.02%	(3.5)	0.20%
PrimeLending	0.02%	(3.5)	0.32%
Navy Federal Credit Union	0.02%	(3.5)	0.20%
HomeStar Financial	0.02%	(3.5)	2.98%
Southeast Mortgage of Georgia	0.02%	(3.5)	0.32%
LendUS LLC	0.03%	(3.5)	0.04%
Lakeview Loan Servicing	0.03%	(3.5)	0.10%
Acopia Home Loans	0.03%	(3.5)	0.81%
Guaranty Mortgage Services	0.03%	(3.5)	0.10%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	2.33%
The Federal Savings Bank	0.04%	(3.5)	0.12%
Primary Residential Mortgage Inc	0.04%	(3.5)	0.22%
Angel Oak Home Loans	0.04%	(3.5)	0.30%
Guaranteed Rate	0.05%	(3.5)	0.51%
Caliber Home Loans	0.05%	(3.5)	0.75%
Carrington Mortgage Services	0.05%	(3.5)	0.63%
PRMG Mortgage	0.05%	(3.0)	0.14%
PNC Bank	0.06%	(3.0)	0.85%
Georgia United Credit Union	0.08%	(3.0)	0.53%
DAS Acquisition Company	0.08%	(3.0)	0.49%
Quicken Loans	0.08%	(3.0)	25.71%
Flagstar Bank	0.09%	(3.0)	0.67%
Wells Fargo Bank	0.13%	(3.0)	3.49%
Freedom Mortgage Corporation	0.18%	(2.5)	0.97%
Regions Bank	0.21%	(2.5)	3.40%
Milend	0.25%	(2.5)	1.95%
Mr. Cooper	0.31%	(2.0)	1.60%

Lender Name	Rate Difference	Rate Rating	Market Share
Ameris Bank	-0.26%	(5.0)	3.19%
Keller Mortgage	-0.23%	(4.5)	1.05%
United Community Bank	-0.14%	(4.0)	1.13%
Stearns Home Loans	-0.13%	(4.0)	2.25%
DHI Mortgage Company Limited	-0.11%	(4.0)	1.54%
First Federal Bank of Florida	-0.11%	(4.0)	1.43%
FBC Mortgage	-0.10%	(4.0)	2.14%
Quicken Loans	-0.09%	(4.0)	12.13%
BankSouth Mortgage	-0.08%	(4.0)	2.18%
Vanderbilt Mortgage	-0.07%	(4.0)	1.50%
Stockton Mortgage	-0.07%	(4.0)	0.30%
CenterState Bank	-0.07%	(4.0)	0.38%
Fairway Independent Mortgage Corporation	-0.06%	(4.0)	6.16%
Regions Bank	-0.06%	(4.0)	1.16%
Renasant Bank	-0.05%	(3.5)	0.30%
DAS Acquisition Company	-0.04%	(3.5)	0.83%
Truist Bank	-0.04%	(3.5)	0.19%
NewRez	-0.04%	(3.5)	0.86%
Bank of America	-0.04%	(3.5)	0.41%
Home Point Financial Corporation	-0.04%	(3.5)	1.16%
Inspire Home Loans	-0.04%	(3.5)	0.86%
Capital City Home Loans	-0.04%	(3.5)	0.86%
Southeast Mortgage of Georgia	-0.03%	(3.5)	0.49%
North American Savings Bank	-0.03%	(3.5)	0.08%
Atlantic Bay Mortgage Group	-0.03%	(3.5)	0.11%
Angel Oak Home Loans	-0.03%	(3.5)	0.34%
South State Bank	-0.02%	(3.5)	0.08%
NexBank	-0.02%	(3.5)	0.04%
Guaranteed Rate Affinity	-0.02%	(3.5)	0.26%
Acopia Home Loans	-0.02%	(3.5)	1.58%
Navy Federal Credit Union	-0.02%	(3.5)	0.15%
First Community Mortgage	-0.02%	(3.5)	0.75%
Amerisave Mortgage Corporation	-0.02%	(3.5)	0.30%
Caliber Home Loans	-0.02%	(3.5)	1.16%
Wells Fargo Bank	-0.02%	(3.5)	0.08%
PennyMac Loan Services	-0.02%	(3.5)	1.84%
Movement Mortgage	-0.02%	(3.5)	0.98%
US Bank	-0.01%	(3.5)	0.15%
Flagstar Bank	-0.01%	(3.5)	0.49%
Prosperity Home Mortgage LLC	-0.01%	(3.5)	1.31%
PNC Bank	-0.01%	(3.5)	0.04%
FirstBank TN	-0.01%	(3.5)	0.15%
Wyndham Capital Mortgage	-0.01%	(3.5)	0.19%
Milend	-0.01%	(3.5)	1.39%
SunTrust Bank	-0.01%	(3.5)	0.26%
Pulte Mortgage LLC	-0.01%	(3.5)	0.04%
loanDepot	-0.00%	(3.5)	2.48%
PrimeLending	-0.00%	(3.5)	0.34%
US Mortgage Corporation	-0.00%	(3.5)	0.41%
Synergy One Lending	-0.00%	(3.5)	0.34%
The Federal Savings Bank	0.00%	(3.5)	0.30%
Finance of America Mortgage	0.00%	(3.5)	0.26%
Carrington Mortgage Services	0.01%	(3.5)	1.76%
Magnolia Bank	0.01%	(3.5)	0.15%
NewDay USA	0.01%	(3.5)	0.04%
Northpointe Bank	0.01%	(3.5)	0.11%
Shelter Home Mortgage	0.01%	(3.5)	0.30%
Certainty Home Loans	0.03%	(3.5)	0.19%
Cardinal Financial Company	0.03%	(3.5)	0.49%
The Mortgage Firm	0.03%	(3.5)	0.53%
Freedom Mortgage Corporation	0.03%	(3.5)	2.07%
Guild Mortgage Company	0.03%	(3.5)	0.90%
Taylor Morrison Home Funding	0.04%	(3.5)	0.41%
HomeBridge Financial Services	0.04%	(3.5)	0.68%
Bay Equity Home Loans	0.04%	(3.5)	0.45%
Mr. Cooper	0.04%	(3.5)	2.55%
Success Mortgage Partners	0.06%	(3.0)	0.71%
Lakeview Loan Servicing	0.06%	(3.0)	1.09%
Guaranty Mortgage Services	0.06%	(3.0)	0.68%
PRMG Mortgage	0.06%	(3.0)	0.60%
Supreme Lending	0.07%	(3.0)	0.98%
LendUS LLC	0.10%	(3.0)	0.34%
Guaranteed Rate	0.12%	(3.0)	2.48%
New American Funding	0.12%	(3.0)	2.82%
Primary Residential Mortgage Inc	0.13%	(3.0)	0.56%
Academy Mortgage Corporation Utah	0.13%	(3.0)	2.82%
HomeStar Financial	0.13%	(3.0)	15.85%
Panorama Mortgage Group	0.22%	(2.5)	0.83%
OneTrust Home Loans	0.23%	(2.5)	1.24%

Lender Name	Rate Difference	Rate Rating	Market Share
Ameris Bank	-0.28%	(5.0)	3.94%
Keller Mortgage	-0.23%	(4.5)	1.43%
Quicken Loans	-0.17%	(4.5)	6.24%
United Community Bank	-0.15%	(4.5)	1.38%
Stearns Home Loans	-0.14%	(4.0)	2.61%
First Federal Bank of Florida	-0.13%	(4.0)	1.43%
PennyMac Loan Services	-0.12%	(4.0)	0.41%
DHI Mortgage Company Limited	-0.11%	(4.0)	2.10%
Freedom Mortgage Corporation	-0.11%	(4.0)	1.38%
FBC Mortgage	-0.11%	(4.0)	2.66%
Regions Bank	-0.09%	(4.0)	1.23%
BankSouth Mortgage	-0.08%	(4.0)	2.76%
CenterState Bank	-0.08%	(4.0)	0.41%
Vanderbilt Mortgage	-0.08%	(4.0)	1.89%
Stockton Mortgage	-0.07%	(4.0)	0.41%
Fairway Independent Mortgage Corporation	-0.07%	(4.0)	7.88%
Truist Bank	-0.05%	(4.0)	0.15%
Renasant Bank	-0.05%	(4.0)	0.36%
DAS Acquisition Company	-0.05%	(3.5)	0.97%
Angel Oak Home Loans	-0.04%	(3.5)	0.36%
Bank of America	-0.04%	(3.5)	0.51%
NewRez	-0.04%	(3.5)	0.41%
Home Point Financial Corporation	-0.04%	(3.5)	1.18%
Inspire Home Loans	-0.04%	(3.5)	1.18%
Capital City Home Loans	-0.04%	(3.5)	1.13%
Southeast Mortgage of Georgia	-0.04%	(3.5)	0.61%
loanDepot	-0.03%	(3.5)	2.00%
Guaranteed Rate Affinity	-0.03%	(3.5)	0.31%
Navy Federal Credit Union	-0.03%	(3.5)	0.15%
Atlantic Bay Mortgage Group	-0.03%	(3.5)	0.15%
Wyndham Capital Mortgage	-0.03%	(3.5)	0.10%
South State Bank	-0.02%	(3.5)	0.10%
NexBank	-0.02%	(3.5)	0.05%
First Community Mortgage	-0.02%	(3.5)	0.97%
Flagstar Bank	-0.02%	(3.5)	0.51%
Movement Mortgage	-0.02%	(3.5)	1.13%
Wells Fargo Bank	-0.02%	(3.5)	0.10%
Acopia Home Loans	-0.02%	(3.5)	1.79%
SunTrust Bank	-0.01%	(3.5)	0.26%
US Bank	-0.01%	(3.5)	0.10%
FirstBank TN	-0.01%	(3.5)	0.10%
Prosperity Home Mortgage LLC	-0.01%	(3.5)	1.74%
PNC Bank	-0.01%	(3.5)	0.05%
Cardinal Financial Company	-0.01%	(3.5)	0.15%
Pulte Mortgage LLC	-0.01%	(3.5)	0.05%
US Mortgage Corporation	-0.00%	(3.5)	0.56%
PrimeLending	-0.00%	(3.5)	0.41%
Magnolia Bank	0.01%	(3.5)	0.05%
Northpointe Bank	0.01%	(3.5)	0.15%
Shelter Home Mortgage	0.01%	(3.5)	0.41%
Amerisave Mortgage Corporation	0.02%	(3.5)	0.10%
The Federal Savings Bank	0.02%	(3.5)	0.20%
Carrington Mortgage Services	0.02%	(3.5)	0.36%
Synergy One Lending	0.03%	(3.5)	0.10%
Certainty Home Loans	0.03%	(3.5)	0.26%
Milend	0.03%	(3.5)	0.41%
Finance of America Mortgage	0.03%	(3.5)	0.15%
Taylor Morrison Home Funding	0.04%	(3.5)	0.56%
The Mortgage Firm	0.04%	(3.5)	0.51%
Guild Mortgage Company	0.05%	(3.0)	0.92%
Caliber Home Loans	0.05%	(3.0)	0.67%
HomeBridge Financial Services	0.06%	(3.0)	0.67%
Bay Equity Home Loans	0.06%	(3.0)	0.46%
Mr. Cooper	0.07%	(3.0)	1.02%
Guaranty Mortgage Services	0.07%	(3.0)	0.82%
PRMG Mortgage	0.07%	(3.0)	0.72%
Supreme Lending	0.08%	(3.0)	1.13%
Success Mortgage Partners	0.08%	(3.0)	0.77%
LendUS LLC	0.10%	(3.0)	0.46%
Primary Residential Mortgage Inc	0.13%	(3.0)	0.77%
HomeStar Financial	0.14%	(3.0)	20.21%
Academy Mortgage Corporation Utah	0.14%	(3.0)	3.53%
Guaranteed Rate	0.15%	(3.0)	2.92%
New American Funding	0.16%	(2.5)	3.12%
Panorama Mortgage Group	0.22%	(2.5)	1.13%
OneTrust Home Loans	0.25%	(2.5)	1.59%

Lender Name	Rate Difference	Rate Rating	Market Share
Caliber Home Loans	-0.07%	(4.0)	2.54%
Stearns Home Loans	-0.06%	(4.0)	1.27%
Guaranteed Rate	-0.06%	(4.0)	1.27%
Acopia Home Loans	-0.05%	(4.0)	0.99%
NewRez	-0.04%	(3.5)	2.12%
Quicken Loans	-0.04%	(3.5)	28.35%
Home Point Financial Corporation	-0.03%	(3.5)	1.13%
CenterState Bank	-0.03%	(3.5)	0.28%
New American Funding	-0.03%	(3.5)	1.97%
Success Mortgage Partners	-0.03%	(3.5)	0.56%
Amerisave Mortgage Corporation	-0.03%	(3.5)	0.85%
First Federal Bank of Florida	-0.03%	(3.5)	1.41%
North American Savings Bank	-0.03%	(3.5)	0.28%
Truist Bank	-0.02%	(3.5)	0.28%
Finance of America Mortgage	-0.02%	(3.5)	0.56%
DAS Acquisition Company	-0.02%	(3.5)	0.42%
BankSouth Mortgage	-0.02%	(3.5)	0.56%
The Federal Savings Bank	-0.02%	(3.5)	0.56%
Renasant Bank	-0.02%	(3.5)	0.14%
Prosperity Home Mortgage LLC	-0.02%	(3.5)	0.14%
Bank of America	-0.01%	(3.5)	0.14%
Milend	-0.01%	(3.5)	4.09%
Bay Equity Home Loans	-0.01%	(3.5)	0.42%
Guild Mortgage Company	-0.01%	(3.5)	0.85%
PrimeLending	-0.01%	(3.5)	0.14%
US Bank	-0.01%	(3.5)	0.28%
Synergy One Lending	-0.01%	(3.5)	0.99%
OneTrust Home Loans	-0.01%	(3.5)	0.28%
HomeBridge Financial Services	-0.01%	(3.5)	0.71%
FBC Mortgage	-0.00%	(3.5)	0.71%
Southeast Mortgage of Georgia	-0.00%	(3.5)	0.14%
FirstBank TN	-0.00%	(3.5)	0.28%
First Community Mortgage	-0.00%	(3.5)	0.14%
Movement Mortgage	-0.00%	(3.5)	0.56%
Capital City Home Loans	-0.00%	(3.5)	0.14%
Navy Federal Credit Union	0.00%	(3.5)	0.14%
Fairway Independent Mortgage Corporation	0.00%	(3.5)	1.41%
The Mortgage Firm	0.00%	(3.5)	0.56%
PennyMac Loan Services	0.01%	(3.5)	5.78%
PRMG Mortgage	0.01%	(3.5)	0.28%
Carrington Mortgage Services	0.01%	(3.5)	5.64%
Wyndham Capital Mortgage	0.01%	(3.5)	0.42%
Vanderbilt Mortgage	0.01%	(3.5)	0.42%
United Community Bank	0.01%	(3.5)	0.42%
Guaranty Mortgage Services	0.01%	(3.5)	0.28%
Flagstar Bank	0.01%	(3.5)	0.42%
NewDay USA	0.01%	(3.5)	0.14%
Magnolia Bank	0.01%	(3.5)	0.42%
SunTrust Bank	0.01%	(3.5)	0.28%
Supreme Lending	0.02%	(3.5)	0.56%
Guaranteed Rate Affinity	0.02%	(3.5)	0.14%
Ameris Bank	0.02%	(3.5)	1.13%
Angel Oak Home Loans	0.03%	(3.5)	0.28%
Mr. Cooper	0.04%	(3.5)	6.77%
loanDepot	0.04%	(3.5)	3.81%
Cardinal Financial Company	0.04%	(3.5)	1.41%
Academy Mortgage Corporation Utah	0.05%	(3.0)	0.85%
Regions Bank	0.06%	(3.0)	0.99%
Lakeview Loan Servicing	0.06%	(3.0)	4.09%
HomeStar Financial	0.06%	(3.0)	3.81%
Freedom Mortgage Corporation	0.17%	(2.5)	3.95%

Lender Name	Rate Difference	Rate Rating	Market Share
Regions Bank	-0.09%	(4.0)	8.47%
Bank of America	-0.03%	(3.5)	7.17%
SunTrust Bank	-0.03%	(3.5)	7.49%
Delta Community Credit Union	-0.02%	(3.5)	2.93%
Truist Bank	-0.01%	(3.5)	8.47%
Wells Fargo Bank	-0.01%	(3.5)	11.40%
Prosperity Home Mortgage LLC	0.00%	(3.5)	2.28%
Certainty Home Loans	0.00%	(3.5)	0.33%
NexBank	0.01%	(3.5)	0.33%
Georgia’s Own Credit Union	0.01%	(3.5)	1.95%
Inspire Home Loans	0.01%	(3.5)	0.33%
Cardinal Financial Company	0.01%	(3.5)	0.33%
BankSouth Mortgage	0.01%	(3.5)	2.61%
Guaranty Mortgage Services	0.01%	(3.5)	0.33%
Ameris Bank	0.01%	(3.5)	4.89%
Supreme Lending	0.02%	(3.5)	0.33%
Navy Federal Credit Union	0.02%	(3.5)	0.65%
Provident Funding	0.02%	(3.5)	0.33%
PNC Bank	0.02%	(3.5)	1.30%
United Community Bank	0.02%	(3.5)	0.33%
CenterState Bank	0.02%	(3.5)	0.33%
Fairway Independent Mortgage Corporation	0.02%	(3.5)	6.19%
FBC Mortgage	0.02%	(3.5)	0.33%
Flagstar Bank	0.02%	(3.5)	0.65%
Renasant Bank	0.02%	(3.5)	0.33%
New American Funding	0.02%	(3.5)	0.33%
loanDepot	0.02%	(3.5)	1.30%
Guild Mortgage Company	0.02%	(3.5)	0.33%
US Bank	0.03%	(3.5)	3.58%
Capital City Home Loans	0.03%	(3.5)	0.33%
Milend	0.03%	(3.5)	0.33%
Acopia Home Loans	0.03%	(3.5)	0.98%
Vanderbilt Mortgage	0.03%	(3.5)	0.98%
Home Point Financial Corporation	0.03%	(3.5)	0.98%
First Community Mortgage	0.03%	(3.5)	0.33%
Academy Mortgage Corporation Utah	0.03%	(3.5)	0.98%
Movement Mortgage	0.03%	(3.5)	0.65%
Angel Oak Home Loans	0.04%	(3.5)	1.95%
Quicken Loans	0.04%	(3.5)	5.86%
Southeast Mortgage of Georgia	0.04%	(3.5)	1.30%
Caliber Home Loans	0.04%	(3.5)	0.98%
Guaranteed Rate	0.04%	(3.5)	0.65%
Carrington Mortgage Services	0.05%	(3.5)	0.33%
JPMorgan Chase Bank	0.05%	(3.0)	6.51%
NewRez	0.06%	(3.0)	1.30%

Lender Name	Rate Difference	Rate Rating	Market Share
Regions Bank	-0.11%	(4.0)	10.66%
SunTrust Bank	-0.04%	(3.5)	7.11%
Bank of America	-0.03%	(3.5)	9.64%
Truist Bank	-0.02%	(3.5)	7.61%
Wells Fargo Bank	-0.00%	(3.5)	13.71%
Delta Community Credit Union	0.00%	(3.5)	2.03%
Prosperity Home Mortgage LLC	0.01%	(3.5)	3.55%
PNC Bank	0.01%	(3.5)	0.51%
Georgia’s Own Credit Union	0.02%	(3.5)	2.54%
Inspire Home Loans	0.02%	(3.5)	0.51%
Cardinal Financial Company	0.02%	(3.5)	0.51%
Home Point Financial Corporation	0.02%	(3.5)	0.51%
Guaranty Mortgage Services	0.02%	(3.5)	0.51%
Supreme Lending	0.02%	(3.5)	0.51%
Navy Federal Credit Union	0.02%	(3.5)	1.02%
United Community Bank	0.02%	(3.5)	0.51%
CenterState Bank	0.02%	(3.5)	0.51%
FBC Mortgage	0.02%	(3.5)	0.51%
BankSouth Mortgage	0.02%	(3.5)	2.54%
Flagstar Bank	0.03%	(3.5)	1.02%
US Bank	0.03%	(3.5)	2.03%
New American Funding	0.03%	(3.5)	0.51%
loanDepot	0.03%	(3.5)	1.52%
Guild Mortgage Company	0.03%	(3.5)	0.51%
Ameris Bank	0.03%	(3.5)	2.54%
Capital City Home Loans	0.03%	(3.5)	0.51%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	6.60%
Acopia Home Loans	0.03%	(3.5)	1.02%
First Community Mortgage	0.03%	(3.5)	0.51%
Academy Mortgage Corporation Utah	0.03%	(3.5)	0.51%
Movement Mortgage	0.04%	(3.5)	1.02%
Angel Oak Home Loans	0.05%	(3.5)	2.54%
Carrington Mortgage Services	0.05%	(3.0)	0.51%
JPMorgan Chase Bank	0.05%	(3.0)	5.08%
Southeast Mortgage of Georgia	0.05%	(3.0)	1.52%
Caliber Home Loans	0.07%	(3.0)	1.02%
NewRez	0.08%	(3.0)	1.52%
Quicken Loans	0.09%	(3.0)	4.57%

Lender Name	Rate Difference	Rate Rating	Market Share
Delta Community Credit Union	-0.05%	(3.5)	4.55%
Bank of America	-0.03%	(3.5)	2.73%
Wells Fargo Bank	-0.02%	(3.5)	7.27%
Quicken Loans	-0.02%	(3.5)	8.18%
SunTrust Bank	-0.01%	(3.5)	8.18%
Regions Bank	-0.01%	(3.5)	4.55%
Fairway Independent Mortgage Corporation	-0.01%	(3.5)	5.45%
Certainty Home Loans	-0.01%	(3.5)	0.91%
BankSouth Mortgage	-0.01%	(3.5)	2.73%
Georgia’s Own Credit Union	-0.00%	(3.5)	0.91%
Ameris Bank	-0.00%	(3.5)	9.09%
Truist Bank	-0.00%	(3.5)	10.00%
NexBank	-0.00%	(3.5)	0.91%
Angel Oak Home Loans	-0.00%	(3.5)	0.91%
Caliber Home Loans	0.00%	(3.5)	0.91%
NewRez	0.01%	(3.5)	0.91%
Provident Funding	0.01%	(3.5)	0.91%
loanDepot	0.01%	(3.5)	0.91%
PNC Bank	0.01%	(3.5)	2.73%
Renasant Bank	0.01%	(3.5)	0.91%
Acopia Home Loans	0.02%	(3.5)	0.91%
Milend	0.02%	(3.5)	0.91%
Vanderbilt Mortgage	0.02%	(3.5)	2.73%
US Bank	0.02%	(3.5)	6.36%
Southeast Mortgage of Georgia	0.02%	(3.5)	0.91%
Academy Mortgage Corporation Utah	0.02%	(3.5)	1.82%
Home Point Financial Corporation	0.02%	(3.5)	1.82%
Guaranteed Rate	0.03%	(3.5)	1.82%
JPMorgan Chase Bank	0.05%	(3.5)	9.09%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.22%	(4.5)	6.18%
Ameris Bank	-0.10%	(4.0)	3.54%
loanDepot	-0.10%	(4.0)	4.62%
Lakeview Loan Servicing	-0.10%	(4.0)	1.98%
PennyMac Loan Services	-0.07%	(4.0)	4.86%
First Community Mortgage	-0.05%	(3.5)	0.49%
North American Savings Bank	-0.05%	(3.5)	1.32%
DHI Mortgage Company Limited	-0.04%	(3.5)	1.81%
Stearns Home Loans	-0.04%	(3.5)	1.15%
Truist Bank	-0.04%	(3.5)	0.33%
FBC Mortgage	-0.03%	(3.5)	1.40%
USAA	-0.03%	(3.5)	6.92%
NBKC Bank	-0.03%	(3.5)	0.91%
Keller Mortgage	-0.03%	(3.5)	0.49%
Guild Mortgage Company	-0.03%	(3.5)	0.82%
CenterState Bank	-0.03%	(3.5)	0.33%
SunTrust Bank	-0.03%	(3.5)	0.41%
Wyndham Capital Mortgage	-0.03%	(3.5)	0.49%
Prosperity Home Mortgage LLC	-0.03%	(3.5)	1.48%
Regions Bank	-0.03%	(3.5)	0.16%
Angel Oak Home Loans	-0.02%	(3.5)	0.08%
Wells Fargo Bank	-0.02%	(3.5)	1.07%
Acopia Home Loans	-0.02%	(3.5)	1.73%
Stockton Mortgage	-0.02%	(3.5)	0.16%
Caliber Home Loans	-0.02%	(3.5)	1.24%
New American Funding	-0.02%	(3.5)	1.15%
FirstBank TN	-0.02%	(3.5)	0.25%
PRMG Mortgage	-0.01%	(3.5)	0.08%
Home Point Financial Corporation	-0.01%	(3.5)	1.65%
Atlantic Bay Mortgage Group	-0.01%	(3.5)	0.41%
Renasant Bank	-0.01%	(3.5)	0.41%
Vanderbilt Mortgage	-0.01%	(3.5)	0.82%
Bay Equity Home Loans	-0.01%	(3.5)	0.08%
Guaranteed Rate Affinity	-0.01%	(3.5)	0.74%
NexBank	-0.01%	(3.5)	0.16%
Northpointe Bank	-0.01%	(3.5)	0.16%
Certainty Home Loans	-0.01%	(3.5)	0.58%
Supreme Lending	-0.01%	(3.5)	0.58%
Flagstar Bank	-0.01%	(3.5)	1.40%
JPMorgan Chase Bank	-0.01%	(3.5)	0.16%
The Mortgage Firm	-0.01%	(3.5)	0.08%
DAS Acquisition Company	-0.01%	(3.5)	0.25%
Cardinal Financial Company	-0.00%	(3.5)	0.41%
Pulte Mortgage LLC	-0.00%	(3.5)	0.25%
US Mortgage Corporation	-0.00%	(3.5)	0.08%
HomeBridge Financial Services	-0.00%	(3.5)	0.91%
Guaranteed Rate	0.00%	(3.5)	1.32%
Movement Mortgage	0.00%	(3.5)	0.58%
Academy Mortgage Corporation Utah	0.00%	(3.5)	1.65%
Success Mortgage Partners	0.00%	(3.5)	0.16%
Capital City Home Loans	0.01%	(3.5)	0.66%
Taylor Morrison Home Funding	0.01%	(3.5)	0.33%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.49%
United Community Bank	0.01%	(3.5)	1.07%
Shelter Home Mortgage	0.01%	(3.5)	0.33%
Fairway Independent Mortgage Corporation	0.02%	(3.5)	3.79%
Southeast Mortgage of Georgia	0.02%	(3.5)	0.16%
LendUS LLC	0.02%	(3.5)	0.16%
Magnolia Bank	0.02%	(3.5)	0.49%
PrimeLending	0.02%	(3.5)	0.41%
NewRez	0.03%	(3.5)	1.07%
BankSouth Mortgage	0.03%	(3.5)	1.40%
Primary Residential Mortgage Inc	0.03%	(3.5)	0.58%
Inspire Home Loans	0.03%	(3.5)	0.99%
OneTrust Home Loans	0.04%	(3.5)	0.25%
Mr. Cooper	0.04%	(3.5)	1.32%
Milend	0.04%	(3.5)	1.07%
Freedom Mortgage Corporation	0.04%	(3.5)	2.47%
First Federal Bank of Florida	0.04%	(3.5)	1.40%
Synergy One Lending	0.04%	(3.5)	0.49%
Carrington Mortgage Services	0.05%	(3.0)	1.32%
Guaranty Mortgage Services	0.06%	(3.0)	0.58%
Quicken Loans	0.09%	(3.0)	9.65%
The Federal Savings Bank	0.10%	(3.0)	2.31%
HomeStar Financial	0.17%	(2.5)	6.02%
NewDay USA	0.29%	(2.0)	2.80%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.24%	(4.5)	9.08%
Ameris Bank	-0.13%	(4.0)	4.08%
North American Savings Bank	-0.05%	(4.0)	1.06%
First Community Mortgage	-0.03%	(3.5)	0.91%
Stearns Home Loans	-0.03%	(3.5)	1.82%
DHI Mortgage Company Limited	-0.03%	(3.5)	3.33%
FBC Mortgage	-0.02%	(3.5)	2.12%
CenterState Bank	-0.02%	(3.5)	0.45%
Truist Bank	-0.02%	(3.5)	0.61%
Wells Fargo Bank	-0.02%	(3.5)	1.51%
Wyndham Capital Mortgage	-0.02%	(3.5)	0.45%
SunTrust Bank	-0.02%	(3.5)	0.61%
Keller Mortgage	-0.02%	(3.5)	0.76%
NBKC Bank	-0.02%	(3.5)	1.36%
Freedom Mortgage Corporation	-0.02%	(3.5)	2.12%
NewRez	-0.01%	(3.5)	0.76%
Prosperity Home Mortgage LLC	-0.01%	(3.5)	2.57%
loanDepot	-0.01%	(3.5)	1.97%
Regions Bank	-0.01%	(3.5)	0.30%
Quicken Loans	-0.01%	(3.5)	4.84%
Angel Oak Home Loans	-0.01%	(3.5)	0.15%
HomeBridge Financial Services	-0.00%	(3.5)	0.61%
Acopia Home Loans	-0.00%	(3.5)	1.82%
Stockton Mortgage	-0.00%	(3.5)	0.15%
PRMG Mortgage	0.00%	(3.5)	0.15%
Renasant Bank	0.00%	(3.5)	0.45%
Success Mortgage Partners	0.00%	(3.5)	0.15%
Atlantic Bay Mortgage Group	0.00%	(3.5)	0.76%
Vanderbilt Mortgage	0.00%	(3.5)	1.21%
Guaranteed Rate Affinity	0.00%	(3.5)	1.21%
Certainty Home Loans	0.00%	(3.5)	0.76%
Bay Equity Home Loans	0.00%	(3.5)	0.15%
Supreme Lending	0.01%	(3.5)	0.91%
USAA	0.01%	(3.5)	7.87%
NexBank	0.01%	(3.5)	0.15%
NewDay USA	0.01%	(3.5)	0.45%
Guild Mortgage Company	0.01%	(3.5)	0.61%
JPMorgan Chase Bank	0.01%	(3.5)	0.30%
DAS Acquisition Company	0.01%	(3.5)	0.30%
The Mortgage Firm	0.01%	(3.5)	0.15%
Pulte Mortgage LLC	0.01%	(3.5)	0.45%
New American Funding	0.01%	(3.5)	1.36%
Magnolia Bank	0.01%	(3.5)	0.15%
FirstBank TN	0.01%	(3.5)	0.15%
US Mortgage Corporation	0.01%	(3.5)	0.15%
Flagstar Bank	0.02%	(3.5)	0.61%
First Federal Bank of Florida	0.02%	(3.5)	0.45%
Synergy One Lending	0.02%	(3.5)	0.15%
Milend	0.02%	(3.5)	1.06%
PennyMac Loan Services	0.02%	(3.5)	0.91%
Movement Mortgage	0.02%	(3.5)	0.91%
Academy Mortgage Corporation Utah	0.02%	(3.5)	2.57%
Taylor Morrison Home Funding	0.03%	(3.5)	0.61%
Capital City Home Loans	0.03%	(3.5)	1.06%
Guaranteed Rate	0.03%	(3.5)	1.66%
Southeast Mortgage of Georgia	0.03%	(3.5)	0.30%
LendUS LLC	0.03%	(3.5)	0.30%
Caliber Home Loans	0.03%	(3.5)	1.06%
Home Point Financial Corporation	0.04%	(3.5)	1.21%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	5.75%
Cardinal Financial Company	0.04%	(3.5)	0.30%
Shelter Home Mortgage	0.04%	(3.5)	0.45%
PrimeLending	0.04%	(3.5)	0.61%
United Community Bank	0.04%	(3.5)	1.21%
Primary Residential Mortgage Inc	0.05%	(3.5)	1.06%
Inspire Home Loans	0.05%	(3.5)	1.82%
Mr. Cooper	0.05%	(3.0)	0.76%
OneTrust Home Loans	0.05%	(3.0)	0.45%
Carrington Mortgage Services	0.05%	(3.0)	0.45%
BankSouth Mortgage	0.06%	(3.0)	1.97%
Guaranty Mortgage Services	0.09%	(3.0)	0.91%
HomeStar Financial	0.20%	(2.5)	10.14%

Lender Name	Rate Difference	Rate Rating	Market Share
loanDepot	-0.14%	(4.0)	7.79%
Lakeview Loan Servicing	-0.12%	(4.0)	4.35%
Navy Federal Credit Union	-0.11%	(4.0)	2.72%
PennyMac Loan Services	-0.09%	(4.0)	9.60%
USAA	-0.09%	(4.0)	5.80%
Guild Mortgage Company	-0.07%	(4.0)	1.09%
Caliber Home Loans	-0.06%	(4.0)	1.45%
New American Funding	-0.06%	(4.0)	0.91%
Home Point Financial Corporation	-0.06%	(4.0)	2.17%
North American Savings Bank	-0.05%	(3.5)	1.63%
BankSouth Mortgage	-0.05%	(3.5)	0.72%
NBKC Bank	-0.04%	(3.5)	0.36%
Ameris Bank	-0.04%	(3.5)	2.90%
FirstBank TN	-0.04%	(3.5)	0.36%
Wyndham Capital Mortgage	-0.04%	(3.5)	0.54%
Cardinal Financial Company	-0.04%	(3.5)	0.54%
Acopia Home Loans	-0.04%	(3.5)	1.63%
Shelter Home Mortgage	-0.04%	(3.5)	0.18%
Keller Mortgage	-0.04%	(3.5)	0.18%
Guaranty Mortgage Services	-0.04%	(3.5)	0.18%
Guaranteed Rate	-0.04%	(3.5)	0.91%
Movement Mortgage	-0.04%	(3.5)	0.18%
Academy Mortgage Corporation Utah	-0.04%	(3.5)	0.54%
Stockton Mortgage	-0.04%	(3.5)	0.18%
NexBank	-0.03%	(3.5)	0.18%
Renasant Bank	-0.03%	(3.5)	0.36%
Prosperity Home Mortgage LLC	-0.03%	(3.5)	0.18%
United Community Bank	-0.03%	(3.5)	0.91%
FBC Mortgage	-0.03%	(3.5)	0.54%
Flagstar Bank	-0.03%	(3.5)	2.36%
Stearns Home Loans	-0.03%	(3.5)	0.36%
Vanderbilt Mortgage	-0.03%	(3.5)	0.36%
Northpointe Bank	-0.03%	(3.5)	0.36%
SunTrust Bank	-0.03%	(3.5)	0.18%
CenterState Bank	-0.03%	(3.5)	0.18%
Certainty Home Loans	-0.03%	(3.5)	0.36%
Capital City Home Loans	-0.02%	(3.5)	0.18%
Guaranteed Rate Affinity	-0.02%	(3.5)	0.18%
DAS Acquisition Company	-0.02%	(3.5)	0.18%
Fairway Independent Mortgage Corporation	-0.02%	(3.5)	1.45%
Supreme Lending	-0.02%	(3.5)	0.18%
PrimeLending	-0.02%	(3.5)	0.18%
HomeBridge Financial Services	-0.01%	(3.5)	1.27%
Amerisave Mortgage Corporation	-0.01%	(3.5)	1.09%
Magnolia Bank	0.00%	(3.5)	0.91%
Success Mortgage Partners	0.00%	(3.5)	0.18%
Wells Fargo Bank	0.01%	(3.5)	0.54%
Mr. Cooper	0.02%	(3.5)	1.99%
HomeStar Financial	0.02%	(3.5)	1.09%
First Federal Bank of Florida	0.03%	(3.5)	2.54%
Synergy One Lending	0.03%	(3.5)	0.91%
Carrington Mortgage Services	0.04%	(3.5)	2.36%
NewRez	0.04%	(3.5)	1.45%
Milend	0.06%	(3.0)	1.09%
Freedom Mortgage Corporation	0.08%	(3.0)	2.90%
The Federal Savings Bank	0.08%	(3.0)	5.07%
Quicken Loans	0.11%	(3.0)	15.40%
NewDay USA	0.29%	(2.0)	5.62%

* Data is compiled for the Gainesville, GA commuting zone area, which comprises of counties of Banks County, GA, Dawson County, GA, Forsyth County, GA, Habersham County, GA, Hall County, GA, Jackson County, GA, Lumpkin County, GA, and White County, GA. This includes cities/towns/communities of Gainesville, GA as well as Oakwood, GA, Braselton, GA, Dawsonville, GA, Dahlonega, GA, Jefferson, GA, Flowery Branch, GA, Cumming, GA, Buford, GA, Pendergrass, GA, Braselton, GA, Clarkesville, GA, Cornelia, GA, Arcade, GA, Commerce, GA, Clermont, GA, Yonah, GA, Cleveland, GA, Helen, GA, Gillsville, GA, Lula, GA, Maysville, GA, Nicholson, GA, Maysville, GA, Tallulah Falls, GA, Alto, GA, Homer, GA, and Baldwin, GA. 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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