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. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the 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, 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 (for example, above $548,250 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 NameRate DifferenceRate RatingMarket 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 Mortgage0.00%(3.5)0.28%
Renasant Bank0.00%(3.5)0.49%
Guaranteed Rate Affinity0.00%(3.5)0.32%
Lakeview Loan Servicing0.00%(3.5)0.38%
USAA0.00%(3.5)1.06%
First Community Mortgage0.01%(3.5)0.44%
Navy Federal Credit Union0.01%(3.5)0.93%
US Mortgage Corporation0.01%(3.5)0.21%
Fairway Independent Mortgage Corporation0.01%(3.5)5.14%
FBC Mortgage0.01%(3.5)1.13%
Supreme Lending0.02%(3.5)1.05%
PNC Bank0.02%(3.5)0.48%
Magnolia Bank0.02%(3.5)0.23%
Shelter Home Mortgage0.02%(3.5)0.60%
The Mortgage Firm0.02%(3.5)0.32%
Bay Equity Home Loans0.02%(3.5)0.28%
Northpointe Bank0.02%(3.5)0.36%
Caliber Home Loans0.03%(3.5)0.83%
PrimeLending0.03%(3.5)0.53%
Georgia United Credit Union0.03%(3.5)0.34%
Success Mortgage Partners0.03%(3.5)0.45%
Movement Mortgage0.03%(3.5)0.70%
Certainty Home Loans0.03%(3.5)0.32%
Carrington Mortgage Services0.04%(3.5)0.64%
DAS Acquisition Company0.04%(3.5)0.48%
Quicken Loans0.05%(3.5)14.62%
Angel Oak Home Loans0.05%(3.5)0.42%
New American Funding0.05%(3.0)1.42%
PRMG Mortgage0.05%(3.0)0.21%
HomeBridge Financial Services0.06%(3.0)0.44%
Guild Mortgage Company0.06%(3.0)0.49%
LendUS LLC0.07%(3.0)0.28%
Guaranteed Rate0.07%(3.0)1.23%
Flagstar Bank0.07%(3.0)0.76%
Acopia Home Loans0.07%(3.0)1.33%
The Federal Savings Bank0.08%(3.0)0.34%
Regions Bank0.09%(3.0)2.32%
Freedom Mortgage Corporation0.09%(3.0)0.95%
Primary Residential Mortgage Inc0.10%(3.0)0.36%
Taylor Morrison Home Funding0.12%(3.0)0.53%
Academy Mortgage Corporation Utah0.12%(3.0)1.51%
Southeast Mortgage of Georgia0.12%(3.0)0.57%
HomeStar Financial0.12%(3.0)7.81%
Guaranty Mortgage Services0.13%(3.0)0.53%
Milend0.17%(2.5)1.16%
OneTrust Home Loans0.17%(2.5)0.34%
Mr. Cooper0.17%(2.5)1.15%
Panorama Mortgage Group0.27%(2.0)0.27%
NewDay USA0.29%(2.0)0.23%
Lender NameRate DifferenceRate RatingMarket 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 Bank0.00%(3.5)0.51%
Cardinal Financial Company0.00%(3.5)0.20%
Amerisave Mortgage Corporation0.00%(3.5)0.14%
Wyndham Capital Mortgage0.00%(3.5)0.18%
Guaranteed Rate Affinity0.01%(3.5)0.49%
United Community Bank0.01%(3.5)1.63%
FirstBank TN0.01%(3.5)0.16%
NewDay USA0.01%(3.5)0.03%
First Community Mortgage0.01%(3.5)0.71%
Fairway Independent Mortgage Corporation0.01%(3.5)7.25%
FBC Mortgage0.02%(3.5)1.63%
Navy Federal Credit Union0.02%(3.5)1.31%
Supreme Lending0.02%(3.5)1.32%
US Mortgage Corporation0.02%(3.5)0.31%
Shelter Home Mortgage0.03%(3.5)0.85%
USAA0.03%(3.5)1.15%
Magnolia Bank0.03%(3.5)0.13%
Synergy One Lending0.03%(3.5)0.07%
DAS Acquisition Company0.03%(3.5)0.51%
The Mortgage Firm0.03%(3.5)0.41%
Finance of America Mortgage0.03%(3.5)0.10%
PrimeLending0.03%(3.5)0.71%
Movement Mortgage0.04%(3.5)0.98%
Carrington Mortgage Services0.04%(3.5)0.15%
The Federal Savings Bank0.04%(3.5)0.15%
Certainty Home Loans0.05%(3.5)0.40%
Bay Equity Home Loans0.05%(3.0)0.28%
Caliber Home Loans0.05%(3.0)0.71%
Success Mortgage Partners0.05%(3.0)0.55%
NewRez0.06%(3.0)0.39%
Angel Oak Home Loans0.06%(3.0)0.51%
PRMG Mortgage0.06%(3.0)0.25%
Mr. Cooper0.07%(3.0)0.41%
LendUS LLC0.07%(3.0)0.45%
HomeBridge Financial Services0.07%(3.0)0.58%
Flagstar Bank0.08%(3.0)0.74%
Northpointe Bank0.08%(3.0)0.38%
Guaranteed Rate0.08%(3.0)1.64%
New American Funding0.09%(3.0)1.83%
Guild Mortgage Company0.09%(3.0)0.59%
Acopia Home Loans0.10%(3.0)1.64%
Milend0.11%(3.0)0.49%
Taylor Morrison Home Funding0.12%(3.0)0.91%
Primary Residential Mortgage Inc0.12%(3.0)0.50%
HomeStar Financial0.14%(3.0)11.36%
Southeast Mortgage of Georgia0.15%(3.0)0.77%
Academy Mortgage Corporation Utah0.15%(2.5)2.13%
Guaranty Mortgage Services0.15%(2.5)0.82%
OneTrust Home Loans0.19%(2.5)0.56%
Panorama Mortgage Group0.28%(2.0)0.47%
Lender NameRate DifferenceRate RatingMarket 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 Affinity0.00%(3.5)0.10%
Supreme Lending0.00%(3.5)0.68%
Caliber Home Loans0.00%(3.5)1.01%
HomeBridge Financial Services0.00%(3.5)0.25%
BankSouth Mortgage0.00%(3.5)1.00%
Acopia Home Loans0.01%(3.5)0.90%
DHI Mortgage Company Limited0.01%(3.5)0.02%
Movement Mortgage0.01%(3.5)0.30%
Magnolia Bank0.01%(3.5)0.36%
Shelter Home Mortgage0.01%(3.5)0.25%
Guaranteed Rate0.01%(3.5)0.65%
PrimeLending0.02%(3.5)0.29%
JPMorgan Chase Bank0.02%(3.5)1.68%
Guaranty Mortgage Services0.02%(3.5)0.13%
Southeast Mortgage of Georgia0.02%(3.5)0.29%
LendUS LLC0.02%(3.5)0.03%
Fairway Independent Mortgage Corporation0.03%(3.5)2.20%
HomeStar Financial0.03%(3.5)2.85%
Carrington Mortgage Services0.03%(3.5)1.33%
Angel Oak Home Loans0.03%(3.5)0.29%
Primary Residential Mortgage Inc0.04%(3.5)0.17%
PRMG Mortgage0.04%(3.5)0.14%
PNC Bank0.05%(3.0)0.71%
Flagstar Bank0.06%(3.0)0.78%
DAS Acquisition Company0.06%(3.0)0.44%
Quicken Loans0.07%(3.0)24.80%
Georgia United Credit Union0.07%(3.0)0.41%
The Federal Savings Bank0.08%(3.0)0.60%
Wells Fargo Bank0.12%(3.0)2.90%
Freedom Mortgage Corporation0.17%(2.5)1.46%
Milend0.18%(2.5)2.09%
Mr. Cooper0.19%(2.5)2.19%
Regions Bank0.19%(2.5)2.85%
NewDay USA0.31%(2.0)0.51%
Lender NameRate DifferenceRate RatingMarket 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 Mortgage0.01%(3.5)0.29%
Supreme Lending0.01%(3.5)1.15%
Guaranteed Rate Affinity0.01%(3.5)0.30%
BankSouth Mortgage0.01%(3.5)2.24%
Renasant Bank0.01%(3.5)0.55%
Bay Equity Home Loans0.01%(3.5)0.27%
Stearns Home Loans0.01%(3.5)0.61%
New American Funding0.01%(3.5)1.15%
United Community Bank0.02%(3.5)2.35%
The Mortgage Firm0.02%(3.5)0.30%
US Mortgage Corporation0.02%(3.5)0.18%
Success Mortgage Partners0.02%(3.5)0.43%
Magnolia Bank0.02%(3.5)0.22%
PNC Bank0.02%(3.5)0.62%
Vanderbilt Mortgage0.02%(3.5)0.51%
Shelter Home Mortgage0.02%(3.5)0.72%
First Community Mortgage0.03%(3.5)0.36%
Northpointe Bank0.03%(3.5)0.46%
Georgia United Credit Union0.03%(3.5)0.48%
USAA0.03%(3.5)0.70%
PrimeLending0.03%(3.5)0.60%
Fairway Independent Mortgage Corporation0.04%(3.5)5.01%
Lakeview Loan Servicing0.04%(3.5)0.05%
Guaranteed Rate0.04%(3.5)0.93%
Certainty Home Loans0.04%(3.5)0.33%
PRMG Mortgage0.04%(3.5)0.13%
The Federal Savings Bank0.04%(3.5)0.14%
Movement Mortgage0.05%(3.5)0.64%
Caliber Home Loans0.05%(3.0)0.71%
Carrington Mortgage Services0.05%(3.0)0.30%
OneTrust Home Loans0.05%(3.0)0.15%
LendUS LLC0.06%(3.0)0.28%
Angel Oak Home Loans0.07%(3.0)0.43%
Quicken Loans0.07%(3.0)16.03%
HomeBridge Financial Services0.07%(3.0)0.35%
DAS Acquisition Company0.08%(3.0)0.44%
FBC Mortgage0.09%(3.0)0.87%
Guild Mortgage Company0.09%(3.0)0.36%
Flagstar Bank0.10%(3.0)0.75%
HomeStar Financial0.10%(3.0)6.27%
Primary Residential Mortgage Inc0.10%(3.0)0.30%
Acopia Home Loans0.12%(3.0)1.24%
Regions Bank0.13%(3.0)2.68%
Academy Mortgage Corporation Utah0.13%(3.0)1.19%
Taylor Morrison Home Funding0.14%(3.0)0.60%
Southeast Mortgage of Georgia0.16%(2.5)0.61%
Freedom Mortgage Corporation0.16%(2.5)0.54%
Guaranty Mortgage Services0.17%(2.5)0.49%
Milend0.23%(2.5)1.14%
Navy Federal Credit Union0.29%(2.0)0.55%
Mr. Cooper0.29%(2.0)0.82%
Panorama Mortgage Group0.33%(2.0)0.17%
Lender NameRate DifferenceRate RatingMarket 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 Company0.00%(3.5)0.20%
Amerisave Mortgage Corporation0.00%(3.5)0.17%
Carrington Mortgage Services0.01%(3.5)0.03%
BankSouth Mortgage0.01%(3.5)3.21%
Supreme Lending0.01%(3.5)1.45%
First Federal Bank of Florida0.01%(3.5)1.52%
Regions Bank0.01%(3.5)2.07%
Renasant Bank0.01%(3.5)0.59%
Guaranteed Rate Affinity0.01%(3.5)0.48%
FirstBank TN0.02%(3.5)0.18%
Wyndham Capital Mortgage0.02%(3.5)0.18%
Stearns Home Loans0.02%(3.5)0.84%
PRMG Mortgage0.02%(3.5)0.12%
Quicken Loans0.03%(3.5)8.04%
Synergy One Lending0.03%(3.5)0.05%
The Mortgage Firm0.03%(3.5)0.42%
Freedom Mortgage Corporation0.03%(3.5)0.18%
Shelter Home Mortgage0.03%(3.5)1.07%
Finance of America Mortgage0.03%(3.5)0.10%
Magnolia Bank0.03%(3.5)0.15%
First Community Mortgage0.04%(3.5)0.60%
US Mortgage Corporation0.04%(3.5)0.25%
Guaranteed Rate0.04%(3.5)1.27%
Fairway Independent Mortgage Corporation0.04%(3.5)7.22%
PrimeLending0.04%(3.5)0.84%
Success Mortgage Partners0.04%(3.5)0.54%
Bay Equity Home Loans0.04%(3.5)0.25%
New American Funding0.04%(3.5)1.51%
United Community Bank0.05%(3.5)1.79%
USAA0.05%(3.5)0.82%
The Federal Savings Bank0.05%(3.0)0.15%
Caliber Home Loans0.05%(3.0)0.67%
Certainty Home Loans0.06%(3.0)0.42%
Movement Mortgage0.06%(3.0)0.94%
OneTrust Home Loans0.06%(3.0)0.25%
LendUS LLC0.07%(3.0)0.48%
Mr. Cooper0.07%(3.0)0.18%
Angel Oak Home Loans0.09%(3.0)0.54%
DAS Acquisition Company0.09%(3.0)0.40%
Northpointe Bank0.09%(3.0)0.50%
HomeBridge Financial Services0.09%(3.0)0.57%
Vanderbilt Mortgage0.09%(3.0)0.23%
Flagstar Bank0.10%(3.0)0.82%
FBC Mortgage0.12%(3.0)1.27%
NewRez0.12%(3.0)0.30%
Guild Mortgage Company0.12%(3.0)0.48%
HomeStar Financial0.13%(3.0)8.98%
Primary Residential Mortgage Inc0.14%(3.0)0.37%
Taylor Morrison Home Funding0.14%(3.0)1.09%
Milend0.16%(2.5)0.47%
Acopia Home Loans0.16%(2.5)1.59%
Academy Mortgage Corporation Utah0.18%(2.5)1.67%
Guaranty Mortgage Services0.19%(2.5)0.82%
Southeast Mortgage of Georgia0.20%(2.5)0.85%
Panorama Mortgage Group0.33%(2.0)0.32%
Navy Federal Credit Union0.34%(2.0)0.84%
Lender NameRate DifferenceRate RatingMarket 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 Lending0.00%(3.5)0.77%
Certainty Home Loans0.00%(3.5)0.22%
Stearns Home Loans0.00%(3.5)0.34%
Renasant Bank0.00%(3.5)0.51%
USAA0.01%(3.5)0.55%
Magnolia Bank0.01%(3.5)0.30%
BankSouth Mortgage0.01%(3.5)1.05%
DHI Mortgage Company Limited0.01%(3.5)0.02%
Shelter Home Mortgage0.02%(3.5)0.30%
JPMorgan Chase Bank0.02%(3.5)1.95%
Movement Mortgage0.02%(3.5)0.28%
Guild Mortgage Company0.02%(3.5)0.20%
PrimeLending0.02%(3.5)0.32%
Navy Federal Credit Union0.02%(3.5)0.20%
HomeStar Financial0.02%(3.5)2.98%
Southeast Mortgage of Georgia0.02%(3.5)0.32%
LendUS LLC0.03%(3.5)0.04%
Lakeview Loan Servicing0.03%(3.5)0.10%
Acopia Home Loans0.03%(3.5)0.81%
Guaranty Mortgage Services0.03%(3.5)0.10%
Fairway Independent Mortgage Corporation0.04%(3.5)2.33%
The Federal Savings Bank0.04%(3.5)0.12%
Primary Residential Mortgage Inc0.04%(3.5)0.22%
Angel Oak Home Loans0.04%(3.5)0.30%
Guaranteed Rate0.05%(3.5)0.51%
Caliber Home Loans0.05%(3.5)0.75%
Carrington Mortgage Services0.05%(3.5)0.63%
PRMG Mortgage0.05%(3.0)0.14%
PNC Bank0.06%(3.0)0.85%
Georgia United Credit Union0.08%(3.0)0.53%
DAS Acquisition Company0.08%(3.0)0.49%
Quicken Loans0.08%(3.0)25.71%
Flagstar Bank0.09%(3.0)0.67%
Wells Fargo Bank0.13%(3.0)3.49%
Freedom Mortgage Corporation0.18%(2.5)0.97%
Regions Bank0.21%(2.5)3.40%
Milend0.25%(2.5)1.95%
Mr. Cooper0.31%(2.0)1.60%
Lender NameRate DifferenceRate RatingMarket 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 Bank0.00%(3.5)0.30%
Finance of America Mortgage0.00%(3.5)0.26%
Carrington Mortgage Services0.01%(3.5)1.76%
Magnolia Bank0.01%(3.5)0.15%
NewDay USA0.01%(3.5)0.04%
Northpointe Bank0.01%(3.5)0.11%
Shelter Home Mortgage0.01%(3.5)0.30%
Certainty Home Loans0.03%(3.5)0.19%
Cardinal Financial Company0.03%(3.5)0.49%
The Mortgage Firm0.03%(3.5)0.53%
Freedom Mortgage Corporation0.03%(3.5)2.07%
Guild Mortgage Company0.03%(3.5)0.90%
Taylor Morrison Home Funding0.04%(3.5)0.41%
HomeBridge Financial Services0.04%(3.5)0.68%
Bay Equity Home Loans0.04%(3.5)0.45%
Mr. Cooper0.04%(3.5)2.55%
Success Mortgage Partners0.06%(3.0)0.71%
Lakeview Loan Servicing0.06%(3.0)1.09%
Guaranty Mortgage Services0.06%(3.0)0.68%
PRMG Mortgage0.06%(3.0)0.60%
Supreme Lending0.07%(3.0)0.98%
LendUS LLC0.10%(3.0)0.34%
Guaranteed Rate0.12%(3.0)2.48%
New American Funding0.12%(3.0)2.82%
Primary Residential Mortgage Inc0.13%(3.0)0.56%
Academy Mortgage Corporation Utah0.13%(3.0)2.82%
HomeStar Financial0.13%(3.0)15.85%
Panorama Mortgage Group0.22%(2.5)0.83%
OneTrust Home Loans0.23%(2.5)1.24%
Lender NameRate DifferenceRate RatingMarket 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 Bank0.01%(3.5)0.05%
Northpointe Bank0.01%(3.5)0.15%
Shelter Home Mortgage0.01%(3.5)0.41%
Amerisave Mortgage Corporation0.02%(3.5)0.10%
The Federal Savings Bank0.02%(3.5)0.20%
Carrington Mortgage Services0.02%(3.5)0.36%
Synergy One Lending0.03%(3.5)0.10%
Certainty Home Loans0.03%(3.5)0.26%
Milend0.03%(3.5)0.41%
Finance of America Mortgage0.03%(3.5)0.15%
Taylor Morrison Home Funding0.04%(3.5)0.56%
The Mortgage Firm0.04%(3.5)0.51%
Guild Mortgage Company0.05%(3.0)0.92%
Caliber Home Loans0.05%(3.0)0.67%
HomeBridge Financial Services0.06%(3.0)0.67%
Bay Equity Home Loans0.06%(3.0)0.46%
Mr. Cooper0.07%(3.0)1.02%
Guaranty Mortgage Services0.07%(3.0)0.82%
PRMG Mortgage0.07%(3.0)0.72%
Supreme Lending0.08%(3.0)1.13%
Success Mortgage Partners0.08%(3.0)0.77%
LendUS LLC0.10%(3.0)0.46%
Primary Residential Mortgage Inc0.13%(3.0)0.77%
HomeStar Financial0.14%(3.0)20.21%
Academy Mortgage Corporation Utah0.14%(3.0)3.53%
Guaranteed Rate0.15%(3.0)2.92%
New American Funding0.16%(2.5)3.12%
Panorama Mortgage Group0.22%(2.5)1.13%
OneTrust Home Loans0.25%(2.5)1.59%
Lender NameRate DifferenceRate RatingMarket 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 Union0.00%(3.5)0.14%
Fairway Independent Mortgage Corporation0.00%(3.5)1.41%
The Mortgage Firm0.00%(3.5)0.56%
PennyMac Loan Services0.01%(3.5)5.78%
PRMG Mortgage0.01%(3.5)0.28%
Carrington Mortgage Services0.01%(3.5)5.64%
Wyndham Capital Mortgage0.01%(3.5)0.42%
Vanderbilt Mortgage0.01%(3.5)0.42%
United Community Bank0.01%(3.5)0.42%
Guaranty Mortgage Services0.01%(3.5)0.28%
Flagstar Bank0.01%(3.5)0.42%
NewDay USA0.01%(3.5)0.14%
Magnolia Bank0.01%(3.5)0.42%
SunTrust Bank0.01%(3.5)0.28%
Supreme Lending0.02%(3.5)0.56%
Guaranteed Rate Affinity0.02%(3.5)0.14%
Ameris Bank0.02%(3.5)1.13%
Angel Oak Home Loans0.03%(3.5)0.28%
Mr. Cooper0.04%(3.5)6.77%
loanDepot0.04%(3.5)3.81%
Cardinal Financial Company0.04%(3.5)1.41%
Academy Mortgage Corporation Utah0.05%(3.0)0.85%
Regions Bank0.06%(3.0)0.99%
Lakeview Loan Servicing0.06%(3.0)4.09%
HomeStar Financial0.06%(3.0)3.81%
Freedom Mortgage Corporation0.17%(2.5)3.95%
Lender NameRate DifferenceRate RatingMarket 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 LLC0.00%(3.5)2.28%
Certainty Home Loans0.00%(3.5)0.33%
NexBank0.01%(3.5)0.33%
Georgia’s Own Credit Union0.01%(3.5)1.95%
Inspire Home Loans0.01%(3.5)0.33%
Cardinal Financial Company0.01%(3.5)0.33%
BankSouth Mortgage0.01%(3.5)2.61%
Guaranty Mortgage Services0.01%(3.5)0.33%
Ameris Bank0.01%(3.5)4.89%
Supreme Lending0.02%(3.5)0.33%
Navy Federal Credit Union0.02%(3.5)0.65%
Provident Funding0.02%(3.5)0.33%
PNC Bank0.02%(3.5)1.30%
United Community Bank0.02%(3.5)0.33%
CenterState Bank0.02%(3.5)0.33%
Fairway Independent Mortgage Corporation0.02%(3.5)6.19%
FBC Mortgage0.02%(3.5)0.33%
Flagstar Bank0.02%(3.5)0.65%
Renasant Bank0.02%(3.5)0.33%
New American Funding0.02%(3.5)0.33%
loanDepot0.02%(3.5)1.30%
Guild Mortgage Company0.02%(3.5)0.33%
US Bank0.03%(3.5)3.58%
Capital City Home Loans0.03%(3.5)0.33%
Milend0.03%(3.5)0.33%
Acopia Home Loans0.03%(3.5)0.98%
Vanderbilt Mortgage0.03%(3.5)0.98%
Home Point Financial Corporation0.03%(3.5)0.98%
First Community Mortgage0.03%(3.5)0.33%
Academy Mortgage Corporation Utah0.03%(3.5)0.98%
Movement Mortgage0.03%(3.5)0.65%
Angel Oak Home Loans0.04%(3.5)1.95%
Quicken Loans0.04%(3.5)5.86%
Southeast Mortgage of Georgia0.04%(3.5)1.30%
Caliber Home Loans0.04%(3.5)0.98%
Guaranteed Rate0.04%(3.5)0.65%
Carrington Mortgage Services0.05%(3.5)0.33%
JPMorgan Chase Bank0.05%(3.0)6.51%
NewRez0.06%(3.0)1.30%
Lender NameRate DifferenceRate RatingMarket 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 Union0.00%(3.5)2.03%
Prosperity Home Mortgage LLC0.01%(3.5)3.55%
PNC Bank0.01%(3.5)0.51%
Georgia’s Own Credit Union0.02%(3.5)2.54%
Inspire Home Loans0.02%(3.5)0.51%
Cardinal Financial Company0.02%(3.5)0.51%
Home Point Financial Corporation0.02%(3.5)0.51%
Guaranty Mortgage Services0.02%(3.5)0.51%
Supreme Lending0.02%(3.5)0.51%
Navy Federal Credit Union0.02%(3.5)1.02%
United Community Bank0.02%(3.5)0.51%
CenterState Bank0.02%(3.5)0.51%
FBC Mortgage0.02%(3.5)0.51%
BankSouth Mortgage0.02%(3.5)2.54%
Flagstar Bank0.03%(3.5)1.02%
US Bank0.03%(3.5)2.03%
New American Funding0.03%(3.5)0.51%
loanDepot0.03%(3.5)1.52%
Guild Mortgage Company0.03%(3.5)0.51%
Ameris Bank0.03%(3.5)2.54%
Capital City Home Loans0.03%(3.5)0.51%
Fairway Independent Mortgage Corporation0.03%(3.5)6.60%
Acopia Home Loans0.03%(3.5)1.02%
First Community Mortgage0.03%(3.5)0.51%
Academy Mortgage Corporation Utah0.03%(3.5)0.51%
Movement Mortgage0.04%(3.5)1.02%
Angel Oak Home Loans0.05%(3.5)2.54%
Carrington Mortgage Services0.05%(3.0)0.51%
JPMorgan Chase Bank0.05%(3.0)5.08%
Southeast Mortgage of Georgia0.05%(3.0)1.52%
Caliber Home Loans0.07%(3.0)1.02%
NewRez0.08%(3.0)1.52%
Quicken Loans0.09%(3.0)4.57%
Lender NameRate DifferenceRate RatingMarket 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 Loans0.00%(3.5)0.91%
NewRez0.01%(3.5)0.91%
Provident Funding0.01%(3.5)0.91%
loanDepot0.01%(3.5)0.91%
PNC Bank0.01%(3.5)2.73%
Renasant Bank0.01%(3.5)0.91%
Acopia Home Loans0.02%(3.5)0.91%
Milend0.02%(3.5)0.91%
Vanderbilt Mortgage0.02%(3.5)2.73%
US Bank0.02%(3.5)6.36%
Southeast Mortgage of Georgia0.02%(3.5)0.91%
Academy Mortgage Corporation Utah0.02%(3.5)1.82%
Home Point Financial Corporation0.02%(3.5)1.82%
Guaranteed Rate0.03%(3.5)1.82%
JPMorgan Chase Bank0.05%(3.5)9.09%
Lender NameRate DifferenceRate RatingMarket 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 Rate0.00%(3.5)1.32%
Movement Mortgage0.00%(3.5)0.58%
Academy Mortgage Corporation Utah0.00%(3.5)1.65%
Success Mortgage Partners0.00%(3.5)0.16%
Capital City Home Loans0.01%(3.5)0.66%
Taylor Morrison Home Funding0.01%(3.5)0.33%
Amerisave Mortgage Corporation0.01%(3.5)0.49%
United Community Bank0.01%(3.5)1.07%
Shelter Home Mortgage0.01%(3.5)0.33%
Fairway Independent Mortgage Corporation0.02%(3.5)3.79%
Southeast Mortgage of Georgia0.02%(3.5)0.16%
LendUS LLC0.02%(3.5)0.16%
Magnolia Bank0.02%(3.5)0.49%
PrimeLending0.02%(3.5)0.41%
NewRez0.03%(3.5)1.07%
BankSouth Mortgage0.03%(3.5)1.40%
Primary Residential Mortgage Inc0.03%(3.5)0.58%
Inspire Home Loans0.03%(3.5)0.99%
OneTrust Home Loans0.04%(3.5)0.25%
Mr. Cooper0.04%(3.5)1.32%
Milend0.04%(3.5)1.07%
Freedom Mortgage Corporation0.04%(3.5)2.47%
First Federal Bank of Florida0.04%(3.5)1.40%
Synergy One Lending0.04%(3.5)0.49%
Carrington Mortgage Services0.05%(3.0)1.32%
Guaranty Mortgage Services0.06%(3.0)0.58%
Quicken Loans0.09%(3.0)9.65%
The Federal Savings Bank0.10%(3.0)2.31%
HomeStar Financial0.17%(2.5)6.02%
NewDay USA0.29%(2.0)2.80%
Lender NameRate DifferenceRate RatingMarket 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 Mortgage0.00%(3.5)0.15%
Renasant Bank0.00%(3.5)0.45%
Success Mortgage Partners0.00%(3.5)0.15%
Atlantic Bay Mortgage Group0.00%(3.5)0.76%
Vanderbilt Mortgage0.00%(3.5)1.21%
Guaranteed Rate Affinity0.00%(3.5)1.21%
Certainty Home Loans0.00%(3.5)0.76%
Bay Equity Home Loans0.00%(3.5)0.15%
Supreme Lending0.01%(3.5)0.91%
USAA0.01%(3.5)7.87%
NexBank0.01%(3.5)0.15%
NewDay USA0.01%(3.5)0.45%
Guild Mortgage Company0.01%(3.5)0.61%
JPMorgan Chase Bank0.01%(3.5)0.30%
DAS Acquisition Company0.01%(3.5)0.30%
The Mortgage Firm0.01%(3.5)0.15%
Pulte Mortgage LLC0.01%(3.5)0.45%
New American Funding0.01%(3.5)1.36%
Magnolia Bank0.01%(3.5)0.15%
FirstBank TN0.01%(3.5)0.15%
US Mortgage Corporation0.01%(3.5)0.15%
Flagstar Bank0.02%(3.5)0.61%
First Federal Bank of Florida0.02%(3.5)0.45%
Synergy One Lending0.02%(3.5)0.15%
Milend0.02%(3.5)1.06%
PennyMac Loan Services0.02%(3.5)0.91%
Movement Mortgage0.02%(3.5)0.91%
Academy Mortgage Corporation Utah0.02%(3.5)2.57%
Taylor Morrison Home Funding0.03%(3.5)0.61%
Capital City Home Loans0.03%(3.5)1.06%
Guaranteed Rate0.03%(3.5)1.66%
Southeast Mortgage of Georgia0.03%(3.5)0.30%
LendUS LLC0.03%(3.5)0.30%
Caliber Home Loans0.03%(3.5)1.06%
Home Point Financial Corporation0.04%(3.5)1.21%
Fairway Independent Mortgage Corporation0.04%(3.5)5.75%
Cardinal Financial Company0.04%(3.5)0.30%
Shelter Home Mortgage0.04%(3.5)0.45%
PrimeLending0.04%(3.5)0.61%
United Community Bank0.04%(3.5)1.21%
Primary Residential Mortgage Inc0.05%(3.5)1.06%
Inspire Home Loans0.05%(3.5)1.82%
Mr. Cooper0.05%(3.0)0.76%
OneTrust Home Loans0.05%(3.0)0.45%
Carrington Mortgage Services0.05%(3.0)0.45%
BankSouth Mortgage0.06%(3.0)1.97%
Guaranty Mortgage Services0.09%(3.0)0.91%
HomeStar Financial0.20%(2.5)10.14%
Lender NameRate DifferenceRate RatingMarket 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 Bank0.00%(3.5)0.91%
Success Mortgage Partners0.00%(3.5)0.18%
Wells Fargo Bank0.01%(3.5)0.54%
Mr. Cooper0.02%(3.5)1.99%
HomeStar Financial0.02%(3.5)1.09%
First Federal Bank of Florida0.03%(3.5)2.54%
Synergy One Lending0.03%(3.5)0.91%
Carrington Mortgage Services0.04%(3.5)2.36%
NewRez0.04%(3.5)1.45%
Milend0.06%(3.0)1.09%
Freedom Mortgage Corporation0.08%(3.0)2.90%
The Federal Savings Bank0.08%(3.0)5.07%
Quicken Loans0.11%(3.0)15.40%
NewDay USA0.29%(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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