Top Mortgage Lenders in Midland, MI

Which mortgage lender in the Midland, MI 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 Midland, MI 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 Midland, MI area in terms of interest rate is Isabella Bank, with an average “Rate Difference” of -0.19%. This means that, comparing similar borrowers, Isabella Bank provided a -0.19% lower interest rate for its customers than other lenders in the area. Isabella Bank has a market share of 4.6%. On the other hand, the most popular lender in the Midland, MI area is Quicken Loans, with a larger market share of 13.0%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.07% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Midland, MI 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 Midland, MI is Isabella Bank. 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 Fifth Third Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Huntington National Bank. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Midland, MI

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
Isabella Bank	-0.19%	(4.5)	4.57%
Huntington National Bank	-0.17%	(4.5)	4.61%
Navy Federal Credit Union	-0.12%	(4.0)	0.55%
TCF Bank	-0.10%	(4.0)	2.20%
Mercantile Bank of Michigan	-0.09%	(4.0)	4.44%
Lake Michigan Credit Union	-0.09%	(4.0)	3.38%
Frankenmuth Credit Union	-0.09%	(4.0)	6.07%
Dow Chemical Employees Credit Union	-0.09%	(4.0)	11.40%
Fifth Third Bank	-0.07%	(4.0)	2.49%
United Bay Community Credit Union	-0.06%	(4.0)	1.14%
Health Advantage Credit Union	-0.06%	(4.0)	1.14%
MSU Federal Credit Union	-0.05%	(4.0)	0.66%
Bank of America	-0.04%	(3.5)	0.59%
USAA	-0.04%	(3.5)	1.06%
Independent Bank Michigan	-0.03%	(3.5)	4.09%
Wanigas Credit Union	-0.01%	(3.5)	4.34%
JPMorgan Chase Bank	-0.01%	(3.5)	1.73%
The State Bank	-0.00%	(3.5)	0.55%
Wells Fargo Bank	0.00%	(3.5)	1.21%
Caliber Home Loans	0.01%	(3.5)	0.52%
loanDepot	0.01%	(3.5)	0.87%
Carrington Mortgage Services	0.02%	(3.5)	0.64%
Towne Mortgage Company	0.02%	(3.5)	1.09%
PNC Bank	0.03%	(3.5)	3.41%
Members First Credit Union MI	0.05%	(3.0)	3.18%
Horicon Bank IN	0.06%	(3.0)	0.86%
Quicken Loans	0.07%	(3.0)	12.98%
Mortgage 1 Inc	0.09%	(3.0)	0.91%
Amerifirst Home Mortgage	0.13%	(3.0)	0.92%
Flagstar Bank	0.15%	(2.5)	2.34%
Union Home Mortgage	0.15%	(2.5)	1.50%
Mr. Cooper	0.15%	(2.5)	0.71%
PrimeLending	0.15%	(2.5)	3.80%
Academy Mortgage Corporation Utah	0.20%	(2.5)	9.40%
GreenStone Farm Credit Services	0.24%	(2.5)	0.64%

Lender Name	Rate Difference	Rate Rating	Market Share
Wanigas Credit Union	-0.27%	(5.0)	3.09%
Huntington National Bank	-0.21%	(4.5)	5.43%
TCF Bank	-0.15%	(4.5)	1.87%
Isabella Bank	-0.15%	(4.0)	4.15%
Navy Federal Credit Union	-0.15%	(4.0)	0.84%
Lake Michigan Credit Union	-0.12%	(4.0)	4.62%
Dow Chemical Employees Credit Union	-0.11%	(4.0)	10.05%
Mercantile Bank of Michigan	-0.08%	(4.0)	3.90%
Bank of America	-0.08%	(4.0)	0.61%
Fifth Third Bank	-0.07%	(4.0)	2.34%
Health Advantage Credit Union	-0.06%	(4.0)	1.50%
MSU Federal Credit Union	-0.06%	(4.0)	0.84%
USAA	-0.06%	(4.0)	1.62%
JPMorgan Chase Bank	-0.05%	(4.0)	1.70%
PNC Bank	-0.04%	(3.5)	1.39%
Wells Fargo Bank	-0.02%	(3.5)	1.53%
Caliber Home Loans	-0.01%	(3.5)	0.64%
The State Bank	-0.01%	(3.5)	0.39%
Independent Bank Michigan	-0.01%	(3.5)	4.96%
United Bay Community Credit Union	0.01%	(3.5)	0.81%
Towne Mortgage Company	0.01%	(3.5)	1.34%
loanDepot	0.02%	(3.5)	0.25%
Members First Credit Union MI	0.02%	(3.5)	2.37%
Mr. Cooper	0.03%	(3.5)	0.19%
Quicken Loans	0.03%	(3.5)	8.55%
Carrington Mortgage Services	0.03%	(3.5)	0.45%
Frankenmuth Credit Union	0.05%	(3.5)	6.04%
Horicon Bank IN	0.05%	(3.5)	0.95%
Mortgage 1 Inc	0.08%	(3.0)	1.28%
PrimeLending	0.15%	(3.0)	5.26%
Flagstar Bank	0.16%	(2.5)	3.06%
Amerifirst Home Mortgage	0.16%	(2.5)	1.06%
Union Home Mortgage	0.17%	(2.5)	2.09%
Academy Mortgage Corporation Utah	0.20%	(2.5)	14.04%
GreenStone Farm Credit Services	0.27%	(2.0)	0.81%

Lender Name	Rate Difference	Rate Rating	Market Share
Frankenmuth Credit Union	-0.30%	(5.0)	6.11%
Isabella Bank	-0.23%	(4.5)	5.22%
United Bay Community Credit Union	-0.11%	(4.0)	1.66%
Mercantile Bank of Michigan	-0.10%	(4.0)	5.26%
Independent Bank Michigan	-0.09%	(4.0)	2.76%
Huntington National Bank	-0.09%	(4.0)	3.35%
Health Advantage Credit Union	-0.07%	(4.0)	0.59%
Fifth Third Bank	-0.07%	(4.0)	2.72%
Dow Chemical Employees Credit Union	-0.05%	(4.0)	13.46%
MSU Federal Credit Union	-0.05%	(3.5)	0.38%
TCF Bank	-0.03%	(3.5)	2.72%
Lake Michigan Credit Union	0.00%	(3.5)	1.49%
Union Home Mortgage	0.01%	(3.5)	0.59%
Navy Federal Credit Union	0.01%	(3.5)	0.13%
The State Bank	0.01%	(3.5)	0.81%
Bank of America	0.01%	(3.5)	0.55%
loanDepot	0.02%	(3.5)	1.83%
Carrington Mortgage Services	0.02%	(3.5)	0.93%
USAA	0.02%	(3.5)	0.21%
Caliber Home Loans	0.05%	(3.5)	0.34%
Mortgage 1 Inc	0.05%	(3.0)	0.34%
Towne Mortgage Company	0.05%	(3.0)	0.72%
Amerifirst Home Mortgage	0.06%	(3.0)	0.72%
JPMorgan Chase Bank	0.06%	(3.0)	1.78%
PNC Bank	0.07%	(3.0)	6.49%
Wells Fargo Bank	0.07%	(3.0)	0.72%
Horicon Bank IN	0.08%	(3.0)	0.72%
Academy Mortgage Corporation Utah	0.08%	(3.0)	2.33%
Members First Credit Union MI	0.08%	(3.0)	4.41%
Flagstar Bank	0.09%	(3.0)	1.23%
GreenStone Farm Credit Services	0.10%	(3.0)	0.38%
Quicken Loans	0.10%	(3.0)	19.74%
PrimeLending	0.15%	(3.0)	1.57%
Wanigas Credit Union	0.19%	(2.5)	6.24%
Mr. Cooper	0.19%	(2.5)	1.49%

Lender Name	Rate Difference	Rate Rating	Market Share
Isabella Bank	-0.18%	(4.5)	5.73%
TCF Bank	-0.10%	(4.0)	2.46%
Mercantile Bank of Michigan	-0.09%	(4.0)	5.39%
Huntington National Bank	-0.09%	(4.0)	3.99%
Frankenmuth Credit Union	-0.09%	(4.0)	7.64%
Dow Chemical Employees Credit Union	-0.08%	(4.0)	14.40%
Fifth Third Bank	-0.08%	(4.0)	2.68%
United Bay Community Credit Union	-0.06%	(4.0)	1.44%
Health Advantage Credit Union	-0.05%	(4.0)	1.44%
Lake Michigan Credit Union	-0.05%	(3.5)	3.21%
MSU Federal Credit Union	-0.05%	(3.5)	0.83%
Bank of America	-0.04%	(3.5)	0.70%
Independent Bank Michigan	-0.03%	(3.5)	4.54%
loanDepot	-0.02%	(3.5)	0.49%
Wanigas Credit Union	-0.01%	(3.5)	5.48%
JPMorgan Chase Bank	-0.00%	(3.5)	2.14%
The State Bank	0.00%	(3.5)	0.70%
Wells Fargo Bank	0.01%	(3.5)	1.42%
Caliber Home Loans	0.02%	(3.5)	0.40%
PNC Bank	0.04%	(3.5)	4.18%
USAA	0.04%	(3.5)	0.34%
Members First Credit Union MI	0.06%	(3.0)	4.01%
Carrington Mortgage Services	0.06%	(3.0)	0.19%
Towne Mortgage Company	0.07%	(3.0)	0.55%
Horicon Bank IN	0.07%	(3.0)	0.91%
Amerifirst Home Mortgage	0.10%	(3.0)	0.57%
Mortgage 1 Inc	0.10%	(3.0)	0.76%
Navy Federal Credit Union	0.10%	(3.0)	0.15%
PrimeLending	0.14%	(3.0)	3.46%
Quicken Loans	0.15%	(3.0)	9.49%
Flagstar Bank	0.18%	(2.5)	2.02%
Union Home Mortgage	0.19%	(2.5)	1.10%
Academy Mortgage Corporation Utah	0.21%	(2.5)	5.80%
Mr. Cooper	0.22%	(2.5)	0.53%
GreenStone Farm Credit Services	0.24%	(2.5)	0.81%

Lender Name	Rate Difference	Rate Rating	Market Share
Wanigas Credit Union	-0.26%	(5.0)	4.17%
TCF Bank	-0.16%	(4.5)	2.07%
Isabella Bank	-0.14%	(4.0)	5.57%
Dow Chemical Employees Credit Union	-0.11%	(4.0)	13.58%
Huntington National Bank	-0.09%	(4.0)	4.25%
Bank of America	-0.08%	(4.0)	0.75%
Mercantile Bank of Michigan	-0.08%	(4.0)	4.89%
Fifth Third Bank	-0.07%	(4.0)	2.48%
Lake Michigan Credit Union	-0.07%	(4.0)	4.40%
Health Advantage Credit Union	-0.05%	(4.0)	2.03%
MSU Federal Credit Union	-0.05%	(4.0)	1.13%
JPMorgan Chase Bank	-0.05%	(3.5)	2.26%
PNC Bank	-0.03%	(3.5)	1.77%
Wells Fargo Bank	-0.02%	(3.5)	1.92%
The State Bank	-0.01%	(3.5)	0.53%
Independent Bank Michigan	-0.00%	(3.5)	5.68%
Caliber Home Loans	0.00%	(3.5)	0.53%
United Bay Community Credit Union	0.01%	(3.5)	1.09%
Members First Credit Union MI	0.03%	(3.5)	3.20%
USAA	0.03%	(3.5)	0.53%
Mr. Cooper	0.03%	(3.5)	0.15%
loanDepot	0.05%	(3.5)	0.08%
Frankenmuth Credit Union	0.05%	(3.0)	8.12%
Carrington Mortgage Services	0.06%	(3.0)	0.23%
Horicon Bank IN	0.07%	(3.0)	0.98%
Towne Mortgage Company	0.08%	(3.0)	0.53%
Navy Federal Credit Union	0.09%	(3.0)	0.26%
Mortgage 1 Inc	0.10%	(3.0)	1.13%
Quicken Loans	0.11%	(3.0)	6.36%
Amerifirst Home Mortgage	0.12%	(3.0)	0.64%
PrimeLending	0.13%	(3.0)	4.85%
Flagstar Bank	0.21%	(2.5)	2.67%
Academy Mortgage Corporation Utah	0.23%	(2.5)	8.61%
Union Home Mortgage	0.24%	(2.5)	1.50%
GreenStone Farm Credit Services	0.28%	(2.0)	1.09%

Lender Name	Rate Difference	Rate Rating	Market Share
Frankenmuth Credit Union	-0.29%	(5.0)	7.02%
Isabella Bank	-0.23%	(4.5)	5.95%
United Bay Community Credit Union	-0.10%	(4.0)	1.90%
Mercantile Bank of Michigan	-0.10%	(4.0)	6.05%
Independent Bank Michigan	-0.09%	(4.0)	3.07%
Huntington National Bank	-0.09%	(4.0)	3.66%
Fifth Third Bank	-0.08%	(4.0)	2.93%
Health Advantage Credit Union	-0.07%	(4.0)	0.68%
Dow Chemical Employees Credit Union	-0.05%	(4.0)	15.46%
MSU Federal Credit Union	-0.04%	(3.5)	0.44%
TCF Bank	-0.03%	(3.5)	2.98%
loanDepot	-0.01%	(3.5)	1.02%
Union Home Mortgage	-0.00%	(3.5)	0.59%
Lake Michigan Credit Union	0.00%	(3.5)	1.66%
The State Bank	0.01%	(3.5)	0.93%
Bank of America	0.02%	(3.5)	0.63%
USAA	0.04%	(3.5)	0.10%
Carrington Mortgage Services	0.05%	(3.5)	0.15%
Mortgage 1 Inc	0.05%	(3.0)	0.29%
Amerifirst Home Mortgage	0.06%	(3.0)	0.49%
Towne Mortgage Company	0.06%	(3.0)	0.59%
Caliber Home Loans	0.06%	(3.0)	0.24%
JPMorgan Chase Bank	0.06%	(3.0)	2.00%
PNC Bank	0.07%	(3.0)	7.32%
Wells Fargo Bank	0.08%	(3.0)	0.78%
Academy Mortgage Corporation Utah	0.08%	(3.0)	2.15%
Horicon Bank IN	0.08%	(3.0)	0.83%
Members First Credit Union MI	0.08%	(3.0)	5.07%
GreenStone Farm Credit Services	0.10%	(3.0)	0.44%
Flagstar Bank	0.11%	(3.0)	1.17%
PrimeLending	0.15%	(2.5)	1.66%
Quicken Loans	0.18%	(2.5)	13.56%
Wanigas Credit Union	0.19%	(2.5)	7.17%
Mr. Cooper	0.26%	(2.0)	1.02%

Lender Name	Rate Difference	Rate Rating	Market Share
Huntington National Bank	-0.42%	(5.0)	8.10%
Lake Michigan Credit Union	-0.27%	(5.0)	4.54%
TCF Bank	-0.11%	(4.0)	0.97%
Mercantile Bank of Michigan	-0.09%	(4.0)	1.08%
Fifth Third Bank	-0.08%	(4.0)	1.62%
Quicken Loans	-0.08%	(4.0)	27.11%
Caliber Home Loans	-0.05%	(3.5)	0.97%
Towne Mortgage Company	-0.03%	(3.5)	3.67%
Carrington Mortgage Services	-0.02%	(3.5)	2.05%
Independent Bank Michigan	-0.02%	(3.5)	2.38%
PNC Bank	-0.01%	(3.5)	0.32%
Horicon Bank IN	-0.00%	(3.5)	0.65%
Navy Federal Credit Union	0.00%	(3.5)	0.11%
Wells Fargo Bank	0.01%	(3.5)	0.32%
loanDepot	0.03%	(3.5)	0.97%
Mr. Cooper	0.04%	(3.5)	1.51%
Mortgage 1 Inc	0.06%	(3.0)	1.73%
Union Home Mortgage	0.08%	(3.0)	2.70%
Flagstar Bank	0.08%	(3.0)	3.78%
Amerifirst Home Mortgage	0.16%	(2.5)	2.38%
Academy Mortgage Corporation Utah	0.19%	(2.5)	27.75%
PrimeLending	0.20%	(2.5)	5.29%

Lender Name	Rate Difference	Rate Rating	Market Share
Huntington National Bank	-0.44%	(5.0)	10.06%
Lake Michigan Credit Union	-0.28%	(5.0)	5.79%
TCF Bank	-0.13%	(4.0)	1.10%
Mercantile Bank of Michigan	-0.10%	(4.0)	1.38%
Quicken Loans	-0.10%	(4.0)	16.25%
Fifth Third Bank	-0.10%	(4.0)	1.79%
Caliber Home Loans	-0.06%	(4.0)	1.10%
Towne Mortgage Company	-0.04%	(3.5)	3.99%
Independent Bank Michigan	-0.03%	(3.5)	2.75%
Carrington Mortgage Services	-0.03%	(3.5)	0.96%
PNC Bank	-0.01%	(3.5)	0.14%
Horicon Bank IN	-0.01%	(3.5)	0.83%
Navy Federal Credit Union	-0.01%	(3.5)	0.14%
loanDepot	0.00%	(3.5)	0.55%
Mr. Cooper	0.01%	(3.5)	0.41%
Wells Fargo Bank	0.01%	(3.5)	0.28%
Mortgage 1 Inc	0.05%	(3.5)	2.07%
Union Home Mortgage	0.07%	(3.0)	3.31%
Flagstar Bank	0.08%	(3.0)	4.55%
Academy Mortgage Corporation Utah	0.18%	(2.5)	34.16%
PrimeLending	0.19%	(2.5)	6.34%
Amerifirst Home Mortgage	0.22%	(2.5)	2.07%

Lender Name	Rate Difference	Rate Rating	Market Share
Quicken Loans	-0.03%	(3.5)	66.50%
Carrington Mortgage Services	0.01%	(3.5)	6.00%
Huntington National Bank	0.01%	(3.5)	1.00%
Fifth Third Bank	0.03%	(3.5)	1.00%
Caliber Home Loans	0.03%	(3.5)	0.50%
PNC Bank	0.03%	(3.5)	1.00%
TCF Bank	0.03%	(3.5)	0.50%
Towne Mortgage Company	0.03%	(3.5)	2.50%
Wells Fargo Bank	0.04%	(3.5)	0.50%
Independent Bank Michigan	0.05%	(3.0)	1.00%
Amerifirst Home Mortgage	0.06%	(3.0)	3.50%
Mortgage 1 Inc	0.06%	(3.0)	0.50%
Flagstar Bank	0.07%	(3.0)	1.00%
Union Home Mortgage	0.07%	(3.0)	0.50%
loanDepot	0.08%	(3.0)	2.50%
PrimeLending	0.08%	(3.0)	1.50%
Mr. Cooper	0.09%	(3.0)	5.50%
Academy Mortgage Corporation Utah	0.11%	(3.0)	4.50%

Lender Name	Rate Difference	Rate Rating	Market Share
Fifth Third Bank	-0.01%	(3.5)	16.67%
Frankenmuth Credit Union	-0.00%	(3.5)	16.67%
Isabella Bank	-0.00%	(3.5)	33.33%
JPMorgan Chase Bank	0.00%	(3.5)	16.67%
Lake Michigan Credit Union	0.01%	(3.5)	16.67%

Lender Name	Rate Difference	Rate Rating	Market Share
Fifth Third Bank	-0.01%	(3.5)	20.00%
Frankenmuth Credit Union	-0.00%	(3.5)	20.00%
Isabella Bank	-0.00%	(3.5)	20.00%
JPMorgan Chase Bank	0.00%	(3.5)	20.00%
Lake Michigan Credit Union	0.01%	(3.5)	20.00%

Lender Name	Rate Difference	Rate Rating	Market Share
Isabella Bank	0.00%	(3.5)	100.00%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.20%	(4.5)	8.17%
USAA	-0.08%	(4.0)	15.36%
Lake Michigan Credit Union	-0.04%	(3.5)	2.29%
TCF Bank	-0.03%	(3.5)	1.96%
Bank of America	-0.01%	(3.5)	0.65%
Independent Bank Michigan	-0.01%	(3.5)	2.29%
Fifth Third Bank	-0.00%	(3.5)	1.96%
Huntington National Bank	0.01%	(3.5)	3.59%
Horicon Bank IN	0.01%	(3.5)	0.65%
Wells Fargo Bank	0.01%	(3.5)	0.65%
PNC Bank	0.01%	(3.5)	0.98%
loanDepot	0.01%	(3.5)	6.54%
Caliber Home Loans	0.02%	(3.5)	0.98%
Towne Mortgage Company	0.02%	(3.5)	1.63%
Mortgage 1 Inc	0.02%	(3.5)	0.65%
JPMorgan Chase Bank	0.03%	(3.5)	0.33%
Carrington Mortgage Services	0.03%	(3.5)	3.27%
Flagstar Bank	0.03%	(3.5)	2.94%
Quicken Loans	0.03%	(3.5)	24.18%
Academy Mortgage Corporation Utah	0.06%	(3.0)	9.48%
Mr. Cooper	0.07%	(3.0)	0.98%
Union Home Mortgage	0.11%	(3.0)	3.92%
PrimeLending	0.12%	(3.0)	4.58%
Amerifirst Home Mortgage	0.13%	(3.0)	1.96%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.22%	(4.5)	10.95%
USAA	-0.07%	(4.0)	21.89%
Lake Michigan Credit Union	-0.05%	(3.5)	2.99%
TCF Bank	-0.03%	(3.5)	1.99%
Bank of America	-0.00%	(3.5)	1.00%
Independent Bank Michigan	0.00%	(3.5)	3.48%
loanDepot	0.00%	(3.5)	1.49%
Fifth Third Bank	0.01%	(3.5)	1.99%
PNC Bank	0.01%	(3.5)	1.00%
Huntington National Bank	0.01%	(3.5)	4.48%
Horicon Bank IN	0.02%	(3.5)	1.00%
Wells Fargo Bank	0.02%	(3.5)	1.00%
Towne Mortgage Company	0.02%	(3.5)	2.49%
Mortgage 1 Inc	0.04%	(3.5)	0.50%
Caliber Home Loans	0.05%	(3.5)	0.50%
Flagstar Bank	0.05%	(3.5)	2.99%
Quicken Loans	0.07%	(3.0)	9.95%
Academy Mortgage Corporation Utah	0.07%	(3.0)	13.43%
Carrington Mortgage Services	0.09%	(3.0)	1.49%
Union Home Mortgage	0.13%	(3.0)	5.47%
PrimeLending	0.13%	(3.0)	6.97%
Amerifirst Home Mortgage	0.14%	(3.0)	2.99%

Lender Name	Rate Difference	Rate Rating	Market Share
USAA	-0.03%	(3.5)	2.86%
Navy Federal Credit Union	-0.03%	(3.5)	2.86%
Huntington National Bank	-0.02%	(3.5)	1.90%
TCF Bank	-0.02%	(3.5)	1.90%
Fifth Third Bank	-0.02%	(3.5)	1.90%
Caliber Home Loans	-0.01%	(3.5)	1.90%
Academy Mortgage Corporation Utah	-0.01%	(3.5)	1.90%
Carrington Mortgage Services	-0.01%	(3.5)	6.67%
Mortgage 1 Inc	-0.01%	(3.5)	0.95%
Flagstar Bank	-0.01%	(3.5)	2.86%
loanDepot	-0.00%	(3.5)	16.19%
PNC Bank	-0.00%	(3.5)	0.95%
Lake Michigan Credit Union	0.00%	(3.5)	0.95%
Quicken Loans	0.00%	(3.5)	51.43%
Union Home Mortgage	0.01%	(3.5)	0.95%
JPMorgan Chase Bank	0.01%	(3.5)	0.95%
Mr. Cooper	0.06%	(3.0)	2.86%

* Data is compiled for the Midland, MI commuting zone area, which comprises of counties of Arenac County, MI, Bay County, MI, Clare County, MI, Gladwin County, MI, Gratiot County, MI, Isabella County, MI, Midland County, MI, and Saginaw County, MI. This includes cities/towns/communities of Midland, MI as well as Bay City, MI, Mount Pleasant, MI, Saginaw, MI, Freeland, MI, Frankenmuth, MI, Shields, MI, Auburn, MI, St. Charles, MI, Alma, MI, Ithaca, MI, Birch Run, MI, Bridgeport, MI, Sanford, MI, Clare, MI, Weidman, MI, Chesaning, MI, Sterling, MI, Harrison, MI, Essexville, MI, Loomis, MI, Rosebush, MI, Hemlock, MI, Burt, MI, Perrinton, MI, Clare, MI, Coleman, MI, St. Louis, MI, Farwell, MI, Gladwin, MI, Beaverton, MI, Oakley, MI, Shepherd, MI, Pinconning, MI, Standish, MI, Breckenridge, MI, Au Gres, MI, Reese, MI, Twining, MI, Ashley, MI, Buena Vista, MI, Merrill, MI, and Robin Glen-Indiantown, MI. 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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