Top Mortgage Lenders in Frederick, MD

Lender Rankings / Last Updated: January 25, 2021

Which mortgage lender in the Frederick, MD 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 Frederick, MD 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 Frederick, MD area in terms of interest rate is Patriot FCU, with an average “Rate Difference” of -0.21%. This means that, comparing similar borrowers, Patriot FCU provided a -0.21% lower interest rate for its customers than other lenders in the area. Patriot FCU has a market share of 2.9%. On the other hand, the most popular lender in the Frederick, MD area is Quicken Loans, with a larger market share of 12.0%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.10% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Frederick, MD 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 Frederick, MD is Patriot FCU. 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 JPMorgan Chase Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Patriot FCU. 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 Frederick, MD

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Patriot FCU-0.21%(4.5)2.88%
Truist Bank-0.15%(4.0)2.49%
SunTrust Bank-0.12%(4.0)1.56%
Amerisave Mortgage Corporation-0.12%(4.0)0.53%
Bay Capital Mortgage Corporation-0.12%(4.0)0.63%
Bank of America-0.12%(4.0)1.03%
TowneBank-0.10%(4.0)1.90%
Sandy Spring Bank-0.10%(4.0)0.74%
McLean Mortgage Corporation-0.10%(4.0)2.36%
SECU Credit Union-0.09%(4.0)0.34%
RoundPoint Mortgage Servicing Corporation-0.09%(4.0)0.43%
Corning Federal Credit Union-0.07%(4.0)0.48%
JPMorgan Chase Bank-0.07%(4.0)0.74%
Orrstown Bank-0.07%(4.0)1.45%
Prosperity Home Mortgage LLC-0.07%(4.0)1.88%
Wells Fargo Bank-0.07%(4.0)3.31%
Pentagon Federal Credit Union-0.07%(4.0)0.30%
Caliber Home Loans-0.07%(4.0)2.08%
United Bank-0.06%(4.0)0.37%
Severn Bank-0.06%(4.0)1.08%
NewRez-0.06%(4.0)0.84%
M&T Bank-0.06%(4.0)1.27%
Fulton Bank-0.06%(4.0)0.62%
NBKC Bank-0.06%(4.0)0.25%
DHI Mortgage Company Limited-0.06%(4.0)0.27%
Home Point Financial Corporation-0.05%(4.0)1.02%
USAA-0.05%(4.0)1.58%
Northpointe Bank-0.05%(4.0)0.39%
George Mason Mortgage-0.05%(4.0)2.30%
US Bank-0.05%(3.5)0.36%
Guaranteed Rate-0.05%(3.5)0.24%
Guaranteed Rate Affinity-0.05%(3.5)0.33%
loanDepot-0.05%(3.5)1.68%
Northwest Federal Credit Union-0.04%(3.5)0.26%
EagleBank-0.04%(3.5)0.34%
Academy Mortgage Corporation Utah-0.04%(3.5)0.27%
Stearns Home Loans-0.04%(3.5)0.27%
Members 1st Federal Credit Union-0.03%(3.5)0.23%
ACNB Bank-0.03%(3.5)0.34%
Union Home Mortgage-0.03%(3.5)0.49%
Atlantic Coast Mortgage-0.03%(3.5)0.41%
Tidewater Mortgage Services-0.03%(3.5)0.52%
First Savings Mortgage-0.03%(3.5)0.25%
Howard Bank-0.03%(3.5)0.39%
Cardinal Financial Company-0.03%(3.5)0.58%
Flagstar Bank-0.03%(3.5)0.39%
CBM Mortgage-0.02%(3.5)0.30%
PennyMac Loan Services-0.02%(3.5)1.49%
HomeBridge Financial Services-0.02%(3.5)0.63%
PNC Bank-0.02%(3.5)2.36%
Movement Mortgage-0.01%(3.5)0.42%
New American Funding-0.01%(3.5)0.36%
Homeside Financial-0.00%(3.5)0.28%
Apex Home Loans-0.00%(3.5)0.76%
Embrace Home Loans-0.00%(3.5)3.02%
Fairway Independent Mortgage Corporation0.00%(3.5)1.05%
Freedom Mortgage Corporation0.01%(3.5)0.85%
Lakeview Loan Servicing0.01%(3.5)0.26%
First Home Mortgage0.01%(3.5)2.53%
Finance of America Mortgage0.01%(3.5)0.74%
Fidelity Direct Mortgage0.02%(3.5)0.39%
AgFirst Farm Credit Bank0.02%(3.5)0.29%
AnnieMac Home Mortgage0.03%(3.5)0.42%
SWBC Mortgage0.03%(3.5)0.42%
Residential Mortgage Services0.04%(3.5)1.51%
Primary Residential Mortgage Inc0.04%(3.5)0.27%
PrimeLending0.04%(3.5)2.73%
Direct Mortgage Loans0.05%(3.5)0.65%
NFM Lending0.05%(3.5)1.86%
Atlantic Union Bank0.05%(3.5)0.61%
The Federal Savings Bank0.05%(3.0)0.64%
Planet Home Lending0.07%(3.0)0.51%
Navy Federal Credit Union0.07%(3.0)2.95%
Integrity Home Mortgage Corp0.07%(3.0)5.50%
Carrington Mortgage Services0.09%(3.0)1.02%
Quicken Loans0.10%(3.0)12.03%
Mr. Cooper0.10%(3.0)1.20%
Sierra Pacific Mortgage0.11%(3.0)2.24%
NVR Mortgage Finance Inc0.12%(3.0)4.34%
Homespire Mortgage0.15%(3.0)2.93%
Lender NameRate DifferenceRate RatingMarket Share
Patriot FCU-0.23%(4.5)2.12%
Truist Bank-0.18%(4.5)1.85%
Wells Fargo Bank-0.18%(4.5)3.21%
SunTrust Bank-0.15%(4.0)1.18%
Bank of America-0.14%(4.0)0.89%
PNC Bank-0.14%(4.0)1.31%
JPMorgan Chase Bank-0.12%(4.0)0.48%
Bay Capital Mortgage Corporation-0.12%(4.0)0.77%
US Bank-0.11%(4.0)0.30%
SECU Credit Union-0.11%(4.0)0.27%
McLean Mortgage Corporation-0.11%(4.0)2.84%
TowneBank-0.11%(4.0)2.07%
Sandy Spring Bank-0.09%(4.0)0.64%
Caliber Home Loans-0.09%(4.0)1.91%
Orrstown Bank-0.08%(4.0)1.37%
Prosperity Home Mortgage LLC-0.07%(4.0)2.89%
NBKC Bank-0.07%(4.0)0.26%
United Bank-0.07%(4.0)0.28%
PennyMac Loan Services-0.07%(4.0)0.48%
Guaranteed Rate Affinity-0.07%(4.0)0.42%
loanDepot-0.07%(4.0)0.40%
M&T Bank-0.06%(4.0)1.01%
Home Point Financial Corporation-0.06%(4.0)0.75%
Severn Bank-0.06%(4.0)1.49%
DHI Mortgage Company Limited-0.06%(4.0)0.45%
Members 1st Federal Credit Union-0.06%(4.0)0.30%
Fulton Bank-0.05%(4.0)0.68%
George Mason Mortgage-0.05%(4.0)3.01%
Northpointe Bank-0.05%(3.5)0.55%
Northwest Federal Credit Union-0.05%(3.5)0.13%
Stearns Home Loans-0.04%(3.5)0.31%
USAA-0.04%(3.5)1.82%
Pentagon Federal Credit Union-0.04%(3.5)0.26%
EagleBank-0.04%(3.5)0.37%
Academy Mortgage Corporation Utah-0.04%(3.5)0.36%
CBM Mortgage-0.04%(3.5)0.44%
HomeBridge Financial Services-0.03%(3.5)0.78%
Atlantic Coast Mortgage-0.03%(3.5)0.54%
Union Home Mortgage-0.03%(3.5)0.63%
Tidewater Mortgage Services-0.03%(3.5)0.77%
ACNB Bank-0.03%(3.5)0.32%
First Savings Mortgage-0.02%(3.5)0.14%
Howard Bank-0.02%(3.5)0.40%
Homeside Financial-0.02%(3.5)0.33%
The Federal Savings Bank-0.02%(3.5)0.27%
Apex Home Loans-0.02%(3.5)0.68%
Corning Federal Credit Union-0.02%(3.5)0.22%
Freedom Mortgage Corporation-0.02%(3.5)0.54%
Movement Mortgage-0.01%(3.5)0.53%
Guaranteed Rate-0.01%(3.5)0.12%
New American Funding-0.00%(3.5)0.27%
Cardinal Financial Company-0.00%(3.5)0.48%
NewRez0.00%(3.5)0.54%
Fairway Independent Mortgage Corporation0.01%(3.5)1.26%
Amerisave Mortgage Corporation0.01%(3.5)0.05%
AgFirst Farm Credit Bank0.01%(3.5)0.27%
Quicken Loans0.01%(3.5)5.92%
Flagstar Bank0.02%(3.5)0.17%
First Home Mortgage0.02%(3.5)3.80%
Embrace Home Loans0.02%(3.5)3.56%
Finance of America Mortgage0.04%(3.5)0.83%
NFM Lending0.04%(3.5)1.68%
Fidelity Direct Mortgage0.04%(3.5)0.45%
AnnieMac Home Mortgage0.04%(3.5)0.44%
SWBC Mortgage0.05%(3.5)0.48%
Primary Residential Mortgage Inc0.05%(3.0)0.40%
Residential Mortgage Services0.05%(3.0)2.20%
Mr. Cooper0.06%(3.0)0.59%
PrimeLending0.06%(3.0)3.66%
Atlantic Union Bank0.06%(3.0)0.86%
Direct Mortgage Loans0.06%(3.0)0.86%
Integrity Home Mortgage Corp0.08%(3.0)8.14%
Planet Home Lending0.09%(3.0)0.68%
Navy Federal Credit Union0.10%(3.0)3.84%
NVR Mortgage Finance Inc0.12%(3.0)7.35%
Sierra Pacific Mortgage0.13%(3.0)2.83%
Carrington Mortgage Services0.13%(3.0)0.49%
Homespire Mortgage0.19%(2.5)3.79%
Lender NameRate DifferenceRate RatingMarket Share
Patriot FCU-0.20%(4.5)3.98%
Amerisave Mortgage Corporation-0.13%(4.0)1.22%
Truist Bank-0.12%(4.0)3.40%
Sandy Spring Bank-0.11%(4.0)0.87%
Bay Capital Mortgage Corporation-0.10%(4.0)0.43%
SunTrust Bank-0.10%(4.0)2.11%
TowneBank-0.10%(4.0)1.66%
NewRez-0.10%(4.0)1.28%
Pentagon Federal Credit Union-0.10%(4.0)0.35%
Corning Federal Credit Union-0.10%(4.0)0.85%
Bank of America-0.09%(4.0)1.24%
RoundPoint Mortgage Servicing Corporation-0.09%(4.0)1.05%
SECU Credit Union-0.08%(4.0)0.44%
Severn Bank-0.07%(4.0)0.48%
Fulton Bank-0.07%(4.0)0.54%
USAA-0.07%(4.0)1.22%
Guaranteed Rate-0.07%(4.0)0.43%
McLean Mortgage Corporation-0.07%(4.0)1.66%
First Home Mortgage-0.06%(4.0)0.70%
United Bank-0.06%(4.0)0.50%
Orrstown Bank-0.06%(4.0)1.55%
Embrace Home Loans-0.06%(4.0)2.24%
M&T Bank-0.06%(4.0)1.65%
Home Point Financial Corporation-0.05%(4.0)1.41%
Cardinal Financial Company-0.05%(4.0)0.74%
Residential Mortgage Services-0.05%(4.0)0.52%
loanDepot-0.05%(3.5)3.51%
Northpointe Bank-0.05%(3.5)0.17%
Navy Federal Credit Union-0.05%(3.5)1.66%
JPMorgan Chase Bank-0.04%(3.5)1.13%
Northwest Federal Credit Union-0.04%(3.5)0.44%
Flagstar Bank-0.04%(3.5)0.70%
Caliber Home Loans-0.04%(3.5)2.31%
George Mason Mortgage-0.04%(3.5)1.29%
EagleBank-0.04%(3.5)0.30%
NBKC Bank-0.04%(3.5)0.24%
Academy Mortgage Corporation Utah-0.04%(3.5)0.13%
ACNB Bank-0.04%(3.5)0.37%
Union Home Mortgage-0.03%(3.5)0.30%
Finance of America Mortgage-0.03%(3.5)0.61%
Howard Bank-0.03%(3.5)0.37%
First Savings Mortgage-0.03%(3.5)0.41%
Movement Mortgage-0.03%(3.5)0.26%
Tidewater Mortgage Services-0.02%(3.5)0.15%
Atlantic Coast Mortgage-0.02%(3.5)0.22%
Primary Residential Mortgage Inc-0.02%(3.5)0.07%
Prosperity Home Mortgage LLC-0.02%(3.5)0.43%
New American Funding-0.02%(3.5)0.50%
NVR Mortgage Finance Inc-0.02%(3.5)0.02%
Stearns Home Loans-0.01%(3.5)0.20%
PennyMac Loan Services-0.01%(3.5)2.94%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.74%
Fidelity Direct Mortgage-0.01%(3.5)0.30%
SWBC Mortgage-0.00%(3.5)0.35%
PrimeLending-0.00%(3.5)1.39%
Direct Mortgage Loans-0.00%(3.5)0.35%
Planet Home Lending0.00%(3.5)0.26%
Lakeview Loan Servicing0.01%(3.5)0.63%
Homespire Mortgage0.01%(3.5)1.70%
Atlantic Union Bank0.01%(3.5)0.26%
Integrity Home Mortgage Corp0.01%(3.5)1.68%
US Bank0.01%(3.5)0.46%
HomeBridge Financial Services0.01%(3.5)0.41%
Guaranteed Rate Affinity0.01%(3.5)0.20%
Apex Home Loans0.01%(3.5)0.87%
AnnieMac Home Mortgage0.01%(3.5)0.41%
Freedom Mortgage Corporation0.02%(3.5)1.29%
Members 1st Federal Credit Union0.03%(3.5)0.15%
PNC Bank0.03%(3.5)3.87%
Homeside Financial0.04%(3.5)0.20%
AgFirst Farm Credit Bank0.05%(3.5)0.31%
NFM Lending0.06%(3.0)2.13%
CBM Mortgage0.06%(3.0)0.09%
Sierra Pacific Mortgage0.06%(3.0)1.41%
Carrington Mortgage Services0.07%(3.0)1.79%
Wells Fargo Bank0.07%(3.0)3.44%
The Federal Savings Bank0.07%(3.0)1.17%
Mr. Cooper0.12%(3.0)2.07%
Quicken Loans0.13%(3.0)20.82%
Lender NameRate DifferenceRate RatingMarket Share
Patriot FCU-0.21%(4.5)3.81%
Truist Bank-0.16%(4.5)3.61%
Amerisave Mortgage Corporation-0.15%(4.5)0.64%
SunTrust Bank-0.13%(4.0)2.20%
Bank of America-0.12%(4.0)1.48%
RoundPoint Mortgage Servicing Corporation-0.12%(4.0)0.43%
Bay Capital Mortgage Corporation-0.12%(4.0)0.97%
Sandy Spring Bank-0.11%(4.0)1.00%
McLean Mortgage Corporation-0.11%(4.0)2.58%
DHI Mortgage Company Limited-0.10%(4.0)0.19%
TowneBank-0.10%(4.0)1.97%
SECU Credit Union-0.10%(4.0)0.50%
loanDepot-0.08%(4.0)1.61%
NBKC Bank-0.08%(4.0)0.20%
Pentagon Federal Credit Union-0.07%(4.0)0.41%
Wells Fargo Bank-0.07%(4.0)4.60%
NewRez-0.07%(4.0)0.83%
JPMorgan Chase Bank-0.07%(4.0)1.13%
Corning Federal Credit Union-0.07%(4.0)0.74%
United Bank-0.07%(4.0)0.50%
Prosperity Home Mortgage LLC-0.07%(4.0)1.89%
Severn Bank-0.07%(4.0)0.98%
Guaranteed Rate-0.07%(4.0)0.23%
Guaranteed Rate Affinity-0.07%(4.0)0.39%
Orrstown Bank-0.06%(4.0)1.90%
Fulton Bank-0.06%(4.0)0.86%
M&T Bank-0.06%(4.0)1.61%
Atlantic Coast Mortgage-0.06%(4.0)0.35%
Union Home Mortgage-0.06%(4.0)0.25%
US Bank-0.06%(4.0)0.46%
HomeBridge Financial Services-0.05%(4.0)0.38%
Academy Mortgage Corporation Utah-0.05%(4.0)0.25%
George Mason Mortgage-0.05%(4.0)2.81%
USAA-0.05%(3.5)0.70%
Northwest Federal Credit Union-0.05%(3.5)0.35%
Cardinal Financial Company-0.05%(3.5)0.47%
EagleBank-0.04%(3.5)0.34%
Tidewater Mortgage Services-0.04%(3.5)0.35%
Stearns Home Loans-0.03%(3.5)0.14%
ACNB Bank-0.03%(3.5)0.53%
First Savings Mortgage-0.03%(3.5)0.36%
Caliber Home Loans-0.03%(3.5)1.58%
Freedom Mortgage Corporation-0.03%(3.5)0.54%
Howard Bank-0.03%(3.5)0.34%
Members 1st Federal Credit Union-0.02%(3.5)0.27%
Fairway Independent Mortgage Corporation-0.02%(3.5)0.94%
Movement Mortgage-0.02%(3.5)0.33%
Finance of America Mortgage-0.02%(3.5)0.56%
Flagstar Bank-0.01%(3.5)0.36%
PNC Bank-0.01%(3.5)3.27%
The Federal Savings Bank-0.00%(3.5)0.20%
CBM Mortgage-0.00%(3.5)0.20%
Homeside Financial-0.00%(3.5)0.25%
New American Funding-0.00%(3.5)0.22%
Carrington Mortgage Services0.00%(3.5)0.15%
Home Point Financial Corporation0.00%(3.5)0.62%
Embrace Home Loans0.00%(3.5)2.61%
PennyMac Loan Services0.00%(3.5)0.95%
Residential Mortgage Services0.01%(3.5)1.23%
Northpointe Bank0.01%(3.5)0.32%
Primary Residential Mortgage Inc0.01%(3.5)0.23%
Apex Home Loans0.01%(3.5)0.88%
Fidelity Direct Mortgage0.02%(3.5)0.39%
Lakeview Loan Servicing0.02%(3.5)0.05%
Direct Mortgage Loans0.02%(3.5)0.66%
AgFirst Farm Credit Bank0.02%(3.5)0.45%
First Home Mortgage0.02%(3.5)2.13%
Planet Home Lending0.03%(3.5)0.21%
SWBC Mortgage0.04%(3.5)0.48%
AnnieMac Home Mortgage0.06%(3.0)0.38%
PrimeLending0.07%(3.0)2.85%
NFM Lending0.08%(3.0)1.51%
Atlantic Union Bank0.08%(3.0)0.45%
Integrity Home Mortgage Corp0.09%(3.0)3.53%
Homespire Mortgage0.11%(3.0)2.17%
NVR Mortgage Finance Inc0.11%(3.0)4.90%
Quicken Loans0.12%(3.0)13.59%
Sierra Pacific Mortgage0.15%(3.0)2.04%
Mr. Cooper0.15%(3.0)0.61%
Navy Federal Credit Union0.33%(2.0)2.56%
Lender NameRate DifferenceRate RatingMarket Share
Patriot FCU-0.21%(4.5)2.57%
Truist Bank-0.20%(4.5)2.74%
Wells Fargo Bank-0.20%(4.5)4.57%
SunTrust Bank-0.17%(4.5)1.73%
US Bank-0.15%(4.0)0.37%
Bank of America-0.15%(4.0)1.32%
PNC Bank-0.13%(4.0)1.66%
JPMorgan Chase Bank-0.12%(4.0)0.78%
McLean Mortgage Corporation-0.12%(4.0)3.15%
SECU Credit Union-0.12%(4.0)0.43%
Bay Capital Mortgage Corporation-0.12%(4.0)1.29%
Sandy Spring Bank-0.11%(4.0)0.84%
Guaranteed Rate Affinity-0.10%(4.0)0.50%
DHI Mortgage Company Limited-0.10%(4.0)0.35%
NBKC Bank-0.09%(4.0)0.24%
loanDepot-0.09%(4.0)0.41%
TowneBank-0.08%(4.0)2.20%
United Bank-0.08%(4.0)0.39%
Atlantic Coast Mortgage-0.08%(4.0)0.43%
Prosperity Home Mortgage LLC-0.07%(4.0)3.15%
Union Home Mortgage-0.07%(4.0)0.30%
Orrstown Bank-0.07%(4.0)1.75%
M&T Bank-0.06%(4.0)1.32%
Caliber Home Loans-0.06%(4.0)1.75%
Severn Bank-0.06%(4.0)1.51%
Academy Mortgage Corporation Utah-0.06%(4.0)0.32%
Fulton Bank-0.05%(4.0)0.97%
Northwest Federal Credit Union-0.05%(4.0)0.17%
HomeBridge Financial Services-0.05%(4.0)0.67%
George Mason Mortgage-0.05%(4.0)3.78%
Members 1st Federal Credit Union-0.05%(3.5)0.35%
Pentagon Federal Credit Union-0.04%(3.5)0.37%
USAA-0.04%(3.5)0.97%
Stearns Home Loans-0.04%(3.5)0.17%
Tidewater Mortgage Services-0.04%(3.5)0.50%
Home Point Financial Corporation-0.04%(3.5)0.52%
EagleBank-0.04%(3.5)0.32%
Freedom Mortgage Corporation-0.03%(3.5)0.30%
Howard Bank-0.03%(3.5)0.30%
ACNB Bank-0.03%(3.5)0.54%
CBM Mortgage-0.02%(3.5)0.26%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.21%
PennyMac Loan Services-0.02%(3.5)0.41%
First Savings Mortgage-0.02%(3.5)0.24%
Amerisave Mortgage Corporation-0.02%(3.5)0.04%
Homeside Financial-0.01%(3.5)0.32%
Movement Mortgage-0.01%(3.5)0.50%
Corning Federal Credit Union-0.01%(3.5)0.37%
Guaranteed Rate-0.01%(3.5)0.09%
Cardinal Financial Company-0.01%(3.5)0.26%
Quicken Loans0.00%(3.5)6.69%
Apex Home Loans0.00%(3.5)0.73%
The Federal Savings Bank0.00%(3.5)0.24%
Mr. Cooper0.01%(3.5)0.15%
AgFirst Farm Credit Bank0.01%(3.5)0.45%
Finance of America Mortgage0.01%(3.5)0.60%
NewRez0.02%(3.5)0.50%
Primary Residential Mortgage Inc0.02%(3.5)0.35%
New American Funding0.02%(3.5)0.19%
Residential Mortgage Services0.03%(3.5)1.79%
Carrington Mortgage Services0.03%(3.5)0.02%
Northpointe Bank0.03%(3.5)0.43%
Flagstar Bank0.03%(3.5)0.19%
Fidelity Direct Mortgage0.03%(3.5)0.45%
Direct Mortgage Loans0.04%(3.5)0.84%
Planet Home Lending0.04%(3.5)0.28%
Embrace Home Loans0.04%(3.5)3.11%
NFM Lending0.04%(3.5)1.55%
First Home Mortgage0.05%(3.5)3.22%
SWBC Mortgage0.06%(3.0)0.60%
AnnieMac Home Mortgage0.08%(3.0)0.37%
PrimeLending0.09%(3.0)3.86%
Integrity Home Mortgage Corp0.10%(3.0)5.27%
Atlantic Union Bank0.11%(3.0)0.63%
NVR Mortgage Finance Inc0.12%(3.0)9.00%
Homespire Mortgage0.16%(2.5)2.78%
Sierra Pacific Mortgage0.18%(2.5)2.55%
Navy Federal Credit Union0.46%(1.0)3.47%
Lender NameRate DifferenceRate RatingMarket Share
Patriot FCU-0.21%(4.5)5.29%
Amerisave Mortgage Corporation-0.16%(4.5)1.36%
Truist Bank-0.13%(4.0)4.65%
TowneBank-0.12%(4.0)1.69%
RoundPoint Mortgage Servicing Corporation-0.12%(4.0)0.95%
NewRez-0.12%(4.0)1.23%
SunTrust Bank-0.11%(4.0)2.77%
Sandy Spring Bank-0.11%(4.0)1.18%
Bay Capital Mortgage Corporation-0.11%(4.0)0.59%
Pentagon Federal Credit Union-0.10%(4.0)0.46%
Severn Bank-0.10%(4.0)0.36%
Corning Federal Credit Union-0.10%(4.0)1.18%
Bank of America-0.10%(4.0)1.67%
Guaranteed Rate-0.08%(4.0)0.41%
SECU Credit Union-0.08%(4.0)0.59%
loanDepot-0.08%(4.0)3.03%
McLean Mortgage Corporation-0.08%(4.0)1.90%
Fulton Bank-0.08%(4.0)0.72%
First Home Mortgage-0.07%(4.0)0.85%
Cardinal Financial Company-0.07%(4.0)0.72%
Residential Mortgage Services-0.07%(4.0)0.56%
United Bank-0.06%(4.0)0.64%
M&T Bank-0.06%(4.0)1.95%
Embrace Home Loans-0.06%(4.0)2.03%
Orrstown Bank-0.06%(4.0)2.08%
USAA-0.06%(4.0)0.39%
Northpointe Bank-0.06%(4.0)0.18%
Finance of America Mortgage-0.06%(4.0)0.51%
NBKC Bank-0.05%(4.0)0.15%
Northwest Federal Credit Union-0.05%(3.5)0.56%
Academy Mortgage Corporation Utah-0.05%(3.5)0.15%
JPMorgan Chase Bank-0.05%(3.5)1.54%
George Mason Mortgage-0.04%(3.5)1.67%
EagleBank-0.04%(3.5)0.36%
ACNB Bank-0.04%(3.5)0.51%
Union Home Mortgage-0.04%(3.5)0.18%
First Savings Mortgage-0.04%(3.5)0.51%
Flagstar Bank-0.03%(3.5)0.56%
Howard Bank-0.03%(3.5)0.39%
Freedom Mortgage Corporation-0.03%(3.5)0.82%
Tidewater Mortgage Services-0.03%(3.5)0.18%
Atlantic Coast Mortgage-0.02%(3.5)0.26%
Prosperity Home Mortgage LLC-0.02%(3.5)0.39%
Movement Mortgage-0.02%(3.5)0.13%
Primary Residential Mortgage Inc-0.02%(3.5)0.10%
Navy Federal Credit Union-0.02%(3.5)1.46%
New American Funding-0.02%(3.5)0.26%
The Federal Savings Bank-0.02%(3.5)0.15%
NVR Mortgage Finance Inc-0.02%(3.5)0.03%
Stearns Home Loans-0.02%(3.5)0.10%
Fairway Independent Mortgage Corporation-0.02%(3.5)0.62%
Homespire Mortgage-0.01%(3.5)1.44%
Fidelity Direct Mortgage-0.01%(3.5)0.31%
SWBC Mortgage-0.01%(3.5)0.33%
Carrington Mortgage Services-0.01%(3.5)0.31%
PrimeLending-0.00%(3.5)1.64%
Direct Mortgage Loans-0.00%(3.5)0.44%
HomeBridge Financial Services0.00%(3.5)0.03%
PennyMac Loan Services0.01%(3.5)1.59%
Atlantic Union Bank0.01%(3.5)0.23%
US Bank0.01%(3.5)0.56%
Guaranteed Rate Affinity0.01%(3.5)0.26%
Lakeview Loan Servicing0.01%(3.5)0.10%
Apex Home Loans0.02%(3.5)1.05%
Caliber Home Loans0.02%(3.5)1.39%
Planet Home Lending0.02%(3.5)0.13%
Integrity Home Mortgage Corp0.03%(3.5)1.46%
AnnieMac Home Mortgage0.03%(3.5)0.39%
Home Point Financial Corporation0.03%(3.5)0.74%
PNC Bank0.04%(3.5)5.19%
Members 1st Federal Credit Union0.04%(3.5)0.18%
Homeside Financial0.04%(3.5)0.15%
AgFirst Farm Credit Bank0.04%(3.5)0.44%
CBM Mortgage0.06%(3.0)0.13%
Wells Fargo Bank0.07%(3.0)4.62%
Sierra Pacific Mortgage0.07%(3.0)1.44%
NFM Lending0.13%(3.0)1.46%
Quicken Loans0.16%(2.5)21.80%
Mr. Cooper0.17%(2.5)1.16%
Lender NameRate DifferenceRate RatingMarket Share
Patriot FCU-0.35%(5.0)1.25%
PNC Bank-0.17%(4.5)0.73%
Orrstown Bank-0.16%(4.5)0.59%
TowneBank-0.16%(4.5)1.88%
Northpointe Bank-0.13%(4.0)0.80%
Caliber Home Loans-0.12%(4.0)2.92%
Prosperity Home Mortgage LLC-0.12%(4.0)1.63%
Home Point Financial Corporation-0.11%(4.0)2.12%
McLean Mortgage Corporation-0.11%(4.0)2.05%
Bank of America-0.10%(4.0)0.21%
Navy Federal Credit Union-0.09%(4.0)0.35%
George Mason Mortgage-0.09%(4.0)1.36%
Severn Bank-0.08%(4.0)1.60%
Members 1st Federal Credit Union-0.07%(4.0)0.24%
M&T Bank-0.07%(4.0)0.87%
CBM Mortgage-0.07%(4.0)0.63%
Apex Home Loans-0.06%(4.0)0.70%
Stearns Home Loans-0.06%(4.0)0.49%
EagleBank-0.06%(4.0)0.42%
SunTrust Bank-0.06%(4.0)0.24%
NewRez-0.06%(4.0)1.01%
Truist Bank-0.05%(4.0)0.21%
US Bank-0.05%(3.5)0.10%
Fulton Bank-0.05%(3.5)0.28%
DHI Mortgage Company Limited-0.05%(3.5)0.35%
The Federal Savings Bank-0.04%(3.5)0.49%
RoundPoint Mortgage Servicing Corporation-0.04%(3.5)0.35%
Quicken Loans-0.04%(3.5)9.74%
Tidewater Mortgage Services-0.04%(3.5)0.94%
PennyMac Loan Services-0.04%(3.5)1.74%
NBKC Bank-0.04%(3.5)0.10%
New American Funding-0.03%(3.5)0.66%
Union Home Mortgage-0.03%(3.5)1.15%
Guaranteed Rate-0.03%(3.5)0.31%
United Bank-0.03%(3.5)0.03%
Academy Mortgage Corporation Utah-0.03%(3.5)0.31%
Sandy Spring Bank-0.03%(3.5)0.28%
Embrace Home Loans-0.02%(3.5)3.96%
First Home Mortgage-0.02%(3.5)4.00%
Amerisave Mortgage Corporation-0.02%(3.5)0.31%
Homeside Financial-0.02%(3.5)0.52%
Howard Bank-0.01%(3.5)0.49%
SWBC Mortgage-0.01%(3.5)0.28%
Wells Fargo Bank-0.01%(3.5)0.14%
Movement Mortgage-0.01%(3.5)0.63%
SECU Credit Union-0.01%(3.5)0.03%
AnnieMac Home Mortgage-0.01%(3.5)0.52%
HomeBridge Financial Services-0.01%(3.5)1.18%
PrimeLending-0.00%(3.5)2.50%
Flagstar Bank-0.00%(3.5)0.10%
Cardinal Financial Company-0.00%(3.5)0.94%
Freedom Mortgage Corporation-0.00%(3.5)1.32%
Atlantic Coast Mortgage0.00%(3.5)0.66%
NFM Lending0.00%(3.5)3.03%
Atlantic Union Bank0.01%(3.5)1.22%
Guaranteed Rate Affinity0.01%(3.5)0.24%
Lakeview Loan Servicing0.03%(3.5)0.59%
Fairway Independent Mortgage Corporation0.04%(3.5)1.01%
Fidelity Direct Mortgage0.04%(3.5)0.49%
Finance of America Mortgage0.05%(3.5)1.22%
Sierra Pacific Mortgage0.05%(3.0)3.03%
Integrity Home Mortgage Corp0.05%(3.0)10.81%
Carrington Mortgage Services0.07%(3.0)2.82%
Mr. Cooper0.07%(3.0)2.96%
Planet Home Lending0.08%(3.0)1.08%
loanDepot0.08%(3.0)1.50%
Direct Mortgage Loans0.09%(3.0)0.94%
Primary Residential Mortgage Inc0.09%(3.0)0.42%
Residential Mortgage Services0.12%(3.0)2.12%
NVR Mortgage Finance Inc0.14%(3.0)4.28%
Homespire Mortgage0.20%(2.5)5.56%
Lender NameRate DifferenceRate RatingMarket Share
Patriot FCU-0.36%(5.0)1.66%
PNC Bank-0.21%(4.5)0.76%
TowneBank-0.20%(4.5)1.89%
Orrstown Bank-0.17%(4.5)0.76%
PennyMac Loan Services-0.17%(4.5)0.62%
Caliber Home Loans-0.15%(4.0)2.23%
Northpointe Bank-0.14%(4.0)1.04%
Prosperity Home Mortgage LLC-0.13%(4.0)2.13%
McLean Mortgage Corporation-0.12%(4.0)2.56%
Home Point Financial Corporation-0.11%(4.0)1.37%
Bank of America-0.10%(4.0)0.28%
Navy Federal Credit Union-0.10%(4.0)0.47%
Severn Bank-0.10%(4.0)1.75%
George Mason Mortgage-0.09%(4.0)1.85%
Members 1st Federal Credit Union-0.09%(4.0)0.28%
M&T Bank-0.09%(4.0)0.76%
Apex Home Loans-0.08%(4.0)0.76%
SunTrust Bank-0.08%(4.0)0.24%
CBM Mortgage-0.07%(4.0)0.85%
Stearns Home Loans-0.07%(4.0)0.57%
EagleBank-0.07%(4.0)0.57%
Truist Bank-0.06%(4.0)0.28%
Fulton Bank-0.06%(4.0)0.33%
The Federal Savings Bank-0.06%(4.0)0.47%
loanDepot-0.06%(4.0)0.43%
US Bank-0.05%(4.0)0.14%
DHI Mortgage Company Limited-0.05%(4.0)0.47%
Homeside Financial-0.05%(3.5)0.47%
Tidewater Mortgage Services-0.04%(3.5)1.28%
New American Funding-0.04%(3.5)0.47%
NewRez-0.04%(3.5)0.66%
Union Home Mortgage-0.03%(3.5)1.23%
SWBC Mortgage-0.03%(3.5)0.14%
United Bank-0.03%(3.5)0.05%
Academy Mortgage Corporation Utah-0.03%(3.5)0.43%
Sandy Spring Bank-0.03%(3.5)0.38%
First Home Mortgage-0.03%(3.5)5.31%
HomeBridge Financial Services-0.03%(3.5)1.09%
NBKC Bank-0.03%(3.5)0.05%
Freedom Mortgage Corporation-0.03%(3.5)0.99%
Quicken Loans-0.02%(3.5)4.93%
Embrace Home Loans-0.02%(3.5)4.41%
SECU Credit Union-0.02%(3.5)0.05%
Wells Fargo Bank-0.01%(3.5)0.14%
Flagstar Bank-0.01%(3.5)0.09%
Guaranteed Rate-0.01%(3.5)0.19%
Howard Bank-0.01%(3.5)0.52%
PrimeLending-0.01%(3.5)3.22%
AnnieMac Home Mortgage-0.01%(3.5)0.47%
Atlantic Coast Mortgage-0.00%(3.5)0.85%
Cardinal Financial Company-0.00%(3.5)0.90%
Movement Mortgage-0.00%(3.5)0.52%
Guaranteed Rate Affinity0.01%(3.5)0.33%
Atlantic Union Bank0.01%(3.5)1.52%
Amerisave Mortgage Corporation0.01%(3.5)0.09%
NFM Lending0.02%(3.5)2.37%
Fairway Independent Mortgage Corporation0.05%(3.5)1.14%
Sierra Pacific Mortgage0.05%(3.5)3.60%
Mr. Cooper0.05%(3.5)1.47%
Integrity Home Mortgage Corp0.05%(3.0)13.78%
Fidelity Direct Mortgage0.05%(3.0)0.52%
Finance of America Mortgage0.05%(3.0)1.33%
Direct Mortgage Loans0.09%(3.0)1.23%
Primary Residential Mortgage Inc0.09%(3.0)0.57%
Planet Home Lending0.09%(3.0)1.28%
Carrington Mortgage Services0.09%(3.0)1.28%
Residential Mortgage Services0.12%(3.0)2.70%
NVR Mortgage Finance Inc0.14%(3.0)5.83%
Homespire Mortgage0.22%(2.5)6.58%
Lender NameRate DifferenceRate RatingMarket Share
Home Point Financial Corporation-0.10%(4.0)4.18%
Caliber Home Loans-0.08%(4.0)4.84%
NewRez-0.07%(4.0)1.96%
Embrace Home Loans-0.06%(4.0)2.75%
Severn Bank-0.04%(3.5)1.18%
Quicken Loans-0.04%(3.5)23.01%
Howard Bank-0.04%(3.5)0.39%
PNC Bank-0.03%(3.5)0.65%
Guaranteed Rate-0.03%(3.5)0.65%
TowneBank-0.03%(3.5)1.83%
M&T Bank-0.03%(3.5)1.18%
NBKC Bank-0.03%(3.5)0.26%
Union Home Mortgage-0.03%(3.5)0.92%
RoundPoint Mortgage Servicing Corporation-0.02%(3.5)1.31%
Stearns Home Loans-0.02%(3.5)0.26%
Prosperity Home Mortgage LLC-0.02%(3.5)0.26%
Movement Mortgage-0.02%(3.5)0.92%
Amerisave Mortgage Corporation-0.02%(3.5)0.92%
Patriot FCU-0.02%(3.5)0.13%
SunTrust Bank-0.02%(3.5)0.26%
AnnieMac Home Mortgage-0.02%(3.5)0.65%
Integrity Home Mortgage Corp-0.02%(3.5)2.61%
Wells Fargo Bank-0.01%(3.5)0.13%
New American Funding-0.01%(3.5)1.18%
First Home Mortgage-0.01%(3.5)0.39%
NFM Lending-0.01%(3.5)4.84%
Orrstown Bank-0.01%(3.5)0.13%
Apex Home Loans-0.01%(3.5)0.52%
Atlantic Coast Mortgage-0.01%(3.5)0.13%
Northpointe Bank-0.00%(3.5)0.13%
PrimeLending-0.00%(3.5)0.52%
Members 1st Federal Credit Union0.00%(3.5)0.13%
Cardinal Financial Company0.00%(3.5)1.05%
The Federal Savings Bank0.00%(3.5)0.52%
Atlantic Union Bank0.00%(3.5)0.39%
Fidelity Direct Mortgage0.00%(3.5)0.39%
Finance of America Mortgage0.01%(3.5)0.92%
Direct Mortgage Loans0.01%(3.5)0.13%
SWBC Mortgage0.01%(3.5)0.65%
Fulton Bank0.01%(3.5)0.13%
McLean Mortgage Corporation0.01%(3.5)0.65%
Residential Mortgage Services0.02%(3.5)0.52%
Fairway Independent Mortgage Corporation0.02%(3.5)0.65%
PennyMac Loan Services0.02%(3.5)4.84%
Flagstar Bank0.02%(3.5)0.13%
Planet Home Lending0.02%(3.5)0.52%
Freedom Mortgage Corporation0.04%(3.5)2.22%
HomeBridge Financial Services0.05%(3.5)1.44%
Lakeview Loan Servicing0.05%(3.5)2.22%
Homespire Mortgage0.05%(3.0)2.75%
Homeside Financial0.05%(3.0)0.65%
Sierra Pacific Mortgage0.06%(3.0)1.44%
Carrington Mortgage Services0.07%(3.0)7.06%
Mr. Cooper0.09%(3.0)7.06%
loanDepot0.13%(3.0)4.44%
Lender NameRate DifferenceRate RatingMarket Share
JPMorgan Chase Bank-0.01%(3.5)3.03%
SunTrust Bank-0.01%(3.5)9.09%
Northwest Federal Credit Union-0.00%(3.5)3.03%
Residential Mortgage Services-0.00%(3.5)3.03%
Truist Bank-0.00%(3.5)3.03%
McLean Mortgage Corporation-0.00%(3.5)12.12%
SECU Credit Union-0.00%(3.5)3.03%
Wells Fargo Bank-0.00%(3.5)15.15%
Bank of America0.00%(3.5)9.09%
M&T Bank0.00%(3.5)3.03%
Navy Federal Credit Union0.00%(3.5)3.03%
United Bank0.00%(3.5)6.06%
Prosperity Home Mortgage LLC0.00%(3.5)3.03%
PNC Bank0.00%(3.5)6.06%
US Bank0.00%(3.5)6.06%
George Mason Mortgage0.00%(3.5)3.03%
SWBC Mortgage0.00%(3.5)3.03%
Embrace Home Loans0.01%(3.5)3.03%
Orrstown Bank0.01%(3.5)3.03%
Lender NameRate DifferenceRate RatingMarket Share
SunTrust Bank-0.00%(3.5)15.00%
Wells Fargo Bank-0.00%(3.5)15.00%
Northwest Federal Credit Union-0.00%(3.5)5.00%
Residential Mortgage Services-0.00%(3.5)5.00%
Truist Bank-0.00%(3.5)5.00%
McLean Mortgage Corporation-0.00%(3.5)20.00%
Bank of America0.00%(3.5)5.00%
Navy Federal Credit Union0.00%(3.5)5.00%
United Bank0.00%(3.5)5.00%
SWBC Mortgage0.01%(3.5)5.00%
US Bank0.01%(3.5)5.00%
PNC Bank0.01%(3.5)5.00%
Embrace Home Loans0.01%(3.5)5.00%
Lender NameRate DifferenceRate RatingMarket Share
JPMorgan Chase Bank-0.02%(3.5)7.69%
SECU Credit Union-0.00%(3.5)7.69%
PNC Bank-0.00%(3.5)7.69%
Bank of America-0.00%(3.5)15.38%
United Bank0.00%(3.5)7.69%
US Bank0.00%(3.5)7.69%
M&T Bank0.00%(3.5)7.69%
Prosperity Home Mortgage LLC0.00%(3.5)7.69%
Wells Fargo Bank0.00%(3.5)15.38%
George Mason Mortgage0.00%(3.5)7.69%
Orrstown Bank0.01%(3.5)7.69%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.26%(5.0)9.12%
Patriot FCU-0.10%(4.0)1.08%
loanDepot-0.08%(4.0)2.34%
Caliber Home Loans-0.06%(4.0)3.14%
Orrstown Bank-0.06%(4.0)0.63%
Home Point Financial Corporation-0.05%(4.0)1.14%
Howard Bank-0.05%(4.0)0.46%
PNC Bank-0.05%(3.5)0.51%
Flagstar Bank-0.04%(3.5)0.97%
USAA-0.04%(3.5)8.44%
TowneBank-0.04%(3.5)1.65%
Wells Fargo Bank-0.03%(3.5)2.00%
PennyMac Loan Services-0.03%(3.5)3.71%
NBKC Bank-0.03%(3.5)0.74%
Residential Mortgage Services-0.02%(3.5)1.82%
Lakeview Loan Servicing-0.02%(3.5)0.74%
Cardinal Financial Company-0.02%(3.5)0.57%
Prosperity Home Mortgage LLC-0.02%(3.5)2.22%
RoundPoint Mortgage Servicing Corporation-0.01%(3.5)0.57%
United Bank-0.01%(3.5)0.17%
Pentagon Federal Credit Union-0.01%(3.5)0.23%
Movement Mortgage-0.01%(3.5)0.51%
Truist Bank-0.01%(3.5)0.74%
Members 1st Federal Credit Union-0.00%(3.5)0.06%
Northpointe Bank-0.00%(3.5)0.11%
Academy Mortgage Corporation Utah-0.00%(3.5)0.29%
EagleBank-0.00%(3.5)0.23%
Guaranteed Rate-0.00%(3.5)0.17%
Amerisave Mortgage Corporation-0.00%(3.5)0.34%
M&T Bank-0.00%(3.5)0.29%
Union Home Mortgage-0.00%(3.5)0.63%
Guaranteed Rate Affinity-0.00%(3.5)0.23%
Sandy Spring Bank0.00%(3.5)0.23%
Northwest Federal Credit Union0.00%(3.5)0.17%
George Mason Mortgage0.00%(3.5)1.37%
Stearns Home Loans0.00%(3.5)0.51%
HomeBridge Financial Services0.00%(3.5)0.97%
SunTrust Bank0.00%(3.5)0.46%
PrimeLending0.00%(3.5)2.57%
US Bank0.00%(3.5)0.23%
DHI Mortgage Company Limited0.01%(3.5)0.51%
NewRez0.01%(3.5)0.63%
Fidelity Direct Mortgage0.01%(3.5)0.23%
Bank of America0.01%(3.5)0.06%
McLean Mortgage Corporation0.01%(3.5)1.60%
AnnieMac Home Mortgage0.01%(3.5)0.51%
Direct Mortgage Loans0.01%(3.5)0.17%
New American Funding0.01%(3.5)0.57%
JPMorgan Chase Bank0.01%(3.5)0.06%
Apex Home Loans0.01%(3.5)0.29%
Finance of America Mortgage0.01%(3.5)0.86%
Homeside Financial0.01%(3.5)0.06%
Tidewater Mortgage Services0.01%(3.5)0.63%
Fulton Bank0.01%(3.5)0.06%
NFM Lending0.02%(3.5)1.71%
Embrace Home Loans0.03%(3.5)3.42%
First Savings Mortgage0.03%(3.5)0.11%
Atlantic Coast Mortgage0.03%(3.5)0.29%
Fairway Independent Mortgage Corporation0.03%(3.5)1.65%
Primary Residential Mortgage Inc0.03%(3.5)0.17%
Severn Bank0.03%(3.5)0.68%
Atlantic Union Bank0.03%(3.5)0.46%
SWBC Mortgage0.03%(3.5)0.34%
First Home Mortgage0.04%(3.5)2.11%
CBM Mortgage0.05%(3.5)0.23%
Sierra Pacific Mortgage0.05%(3.0)2.00%
Freedom Mortgage Corporation0.08%(3.0)1.60%
Integrity Home Mortgage Corp0.08%(3.0)6.44%
Planet Home Lending0.08%(3.0)1.03%
NVR Mortgage Finance Inc0.09%(3.0)1.82%
Mr. Cooper0.11%(3.0)1.20%
The Federal Savings Bank0.11%(3.0)3.02%
Homespire Mortgage0.12%(3.0)2.39%
Carrington Mortgage Services0.16%(2.5)2.34%
Quicken Loans0.16%(2.5)8.44%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.30%(5.0)12.45%
Patriot FCU-0.08%(4.0)1.08%
Orrstown Bank-0.05%(3.5)0.98%
Caliber Home Loans-0.04%(3.5)2.06%
Howard Bank-0.04%(3.5)0.59%
PNC Bank-0.04%(3.5)0.78%
NBKC Bank-0.03%(3.5)0.78%
Wells Fargo Bank-0.03%(3.5)3.14%
TowneBank-0.03%(3.5)1.86%
USAA-0.02%(3.5)9.51%
Residential Mortgage Services-0.01%(3.5)2.94%
Cardinal Financial Company-0.01%(3.5)0.59%
Prosperity Home Mortgage LLC-0.01%(3.5)3.33%
Truist Bank-0.00%(3.5)0.98%
Flagstar Bank-0.00%(3.5)0.20%
United Bank-0.00%(3.5)0.20%
SunTrust Bank0.00%(3.5)0.39%
Pentagon Federal Credit Union0.00%(3.5)0.29%
Movement Mortgage0.01%(3.5)0.69%
PennyMac Loan Services0.01%(3.5)0.49%
Stearns Home Loans0.01%(3.5)0.39%
Academy Mortgage Corporation Utah0.01%(3.5)0.39%
Members 1st Federal Credit Union0.01%(3.5)0.10%
Guaranteed Rate Affinity0.01%(3.5)0.29%
Northpointe Bank0.01%(3.5)0.10%
Northwest Federal Credit Union0.01%(3.5)0.10%
NewRez0.02%(3.5)0.49%
Direct Mortgage Loans0.02%(3.5)0.20%
Union Home Mortgage0.02%(3.5)0.88%
George Mason Mortgage0.02%(3.5)1.96%
M&T Bank0.02%(3.5)0.20%
Fidelity Direct Mortgage0.02%(3.5)0.29%
PrimeLending0.02%(3.5)3.73%
Guaranteed Rate0.02%(3.5)0.10%
Sandy Spring Bank0.02%(3.5)0.29%
loanDepot0.02%(3.5)0.29%
DHI Mortgage Company Limited0.02%(3.5)0.88%
EagleBank0.02%(3.5)0.20%
US Bank0.02%(3.5)0.20%
Bank of America0.02%(3.5)0.10%
AnnieMac Home Mortgage0.02%(3.5)0.69%
JPMorgan Chase Bank0.03%(3.5)0.10%
HomeBridge Financial Services0.03%(3.5)0.69%
McLean Mortgage Corporation0.03%(3.5)1.67%
Apex Home Loans0.03%(3.5)0.29%
Finance of America Mortgage0.03%(3.5)0.88%
Homeside Financial0.03%(3.5)0.10%
Fulton Bank0.03%(3.5)0.10%
Tidewater Mortgage Services0.03%(3.5)0.98%
New American Funding0.03%(3.5)0.20%
Freedom Mortgage Corporation0.04%(3.5)0.69%
Home Point Financial Corporation0.04%(3.5)0.49%
Primary Residential Mortgage Inc0.05%(3.5)0.29%
Atlantic Coast Mortgage0.05%(3.5)0.39%
Atlantic Union Bank0.05%(3.0)0.59%
NFM Lending0.05%(3.0)0.88%
Fairway Independent Mortgage Corporation0.05%(3.0)1.76%
First Home Mortgage0.05%(3.0)3.43%
SWBC Mortgage0.06%(3.0)0.49%
Severn Bank0.06%(3.0)0.88%
Embrace Home Loans0.06%(3.0)3.82%
CBM Mortgage0.06%(3.0)0.39%
Sierra Pacific Mortgage0.08%(3.0)2.55%
Mr. Cooper0.10%(3.0)0.78%
Integrity Home Mortgage Corp0.11%(3.0)9.71%
NVR Mortgage Finance Inc0.11%(3.0)3.14%
Planet Home Lending0.13%(3.0)1.27%
Quicken Loans0.13%(3.0)4.61%
Homespire Mortgage0.18%(2.5)2.65%
Carrington Mortgage Services0.23%(2.5)0.98%
Lender NameRate DifferenceRate RatingMarket Share
Patriot FCU-0.12%(4.0)1.09%
loanDepot-0.11%(4.0)5.18%
Home Point Financial Corporation-0.10%(4.0)2.04%
Navy Federal Credit Union-0.10%(4.0)4.50%
Caliber Home Loans-0.09%(4.0)4.63%
USAA-0.08%(4.0)6.95%
Flagstar Bank-0.07%(4.0)2.04%
TowneBank-0.06%(4.0)1.36%
PennyMac Loan Services-0.06%(4.0)8.17%
Howard Bank-0.05%(4.0)0.27%
Lakeview Loan Servicing-0.04%(3.5)1.77%
Cardinal Financial Company-0.04%(3.5)0.54%
RoundPoint Mortgage Servicing Corporation-0.04%(3.5)1.36%
EagleBank-0.04%(3.5)0.27%
Union Home Mortgage-0.04%(3.5)0.27%
Embrace Home Loans-0.03%(3.5)2.86%
NBKC Bank-0.03%(3.5)0.68%
Integrity Home Mortgage Corp-0.03%(3.5)1.91%
Movement Mortgage-0.03%(3.5)0.27%
Guaranteed Rate-0.03%(3.5)0.27%
Northpointe Bank-0.03%(3.5)0.14%
Planet Home Lending-0.03%(3.5)0.68%
Orrstown Bank-0.03%(3.5)0.14%
M&T Bank-0.03%(3.5)0.41%
United Bank-0.03%(3.5)0.14%
Amerisave Mortgage Corporation-0.02%(3.5)0.82%
Pentagon Federal Credit Union-0.02%(3.5)0.14%
Tidewater Mortgage Services-0.02%(3.5)0.14%
HomeBridge Financial Services-0.02%(3.5)1.36%
Sandy Spring Bank-0.02%(3.5)0.14%
Atlantic Coast Mortgage-0.02%(3.5)0.14%
McLean Mortgage Corporation-0.02%(3.5)1.50%
US Bank-0.02%(3.5)0.27%
Severn Bank-0.02%(3.5)0.41%
Academy Mortgage Corporation Utah-0.02%(3.5)0.14%
Northwest Federal Credit Union-0.02%(3.5)0.27%
First Home Mortgage-0.02%(3.5)0.27%
AnnieMac Home Mortgage-0.02%(3.5)0.27%
George Mason Mortgage-0.02%(3.5)0.54%
New American Funding-0.02%(3.5)1.09%
Apex Home Loans-0.01%(3.5)0.27%
Prosperity Home Mortgage LLC-0.01%(3.5)0.68%
Guaranteed Rate Affinity-0.01%(3.5)0.14%
NFM Lending-0.01%(3.5)2.86%
Finance of America Mortgage-0.01%(3.5)0.82%
NewRez-0.01%(3.5)0.82%
Fairway Independent Mortgage Corporation-0.01%(3.5)1.50%
PrimeLending-0.01%(3.5)0.95%
Sierra Pacific Mortgage-0.01%(3.5)1.23%
Stearns Home Loans-0.01%(3.5)0.68%
SWBC Mortgage-0.01%(3.5)0.14%
Fidelity Direct Mortgage-0.01%(3.5)0.14%
PNC Bank-0.01%(3.5)0.14%
Residential Mortgage Services-0.01%(3.5)0.27%
Truist Bank0.00%(3.5)0.41%
SunTrust Bank0.00%(3.5)0.54%
Direct Mortgage Loans0.00%(3.5)0.14%
First Savings Mortgage0.00%(3.5)0.27%
Atlantic Union Bank0.01%(3.5)0.27%
Homespire Mortgage0.02%(3.5)2.04%
Wells Fargo Bank0.03%(3.5)0.41%
Freedom Mortgage Corporation0.07%(3.0)2.86%
The Federal Savings Bank0.08%(3.0)7.22%
Mr. Cooper0.10%(3.0)1.77%
Carrington Mortgage Services0.11%(3.0)4.22%
Quicken Loans0.16%(2.5)13.76%

* Data is compiled for the Frederick, MD commuting zone area, which comprises of counties of Frederick County, MD, Washington County, MD, Franklin County, PA, Fulton County, PA, Berkeley County, WV, Jefferson County, WV, and Morgan County, WV. This includes cities/towns/communities of Frederick, MD as well as Martinsburg, WV, Ballenger Creek, MD, Hagerstown, MD, Inwood, WV, Monrovia, MD, Linganore, MD, Urbana, MD, Ranson corporation, WV, Hedgesville, WV, Charles Town, WV, Halfway, MD, Chambersburg, PA, Bartonsville, MD, State Line, PA, Walkersville, MD, Falling Waters, WV, Middletown, MD, New Market, MD, Fairplay, MD, San Mar, MD, Thurmont, MD, Spring Ridge, MD, Jefferson, MD, Wayne Heights, PA, Rosemont, MD, Shepherdstown, WV, Robinwood, MD, Brownsville, MD, Fairview, MD, Fayetteville, PA, Funkstown, MD, Waynesboro, PA, Scotland, PA, Cavetown, MD, Shippensburg, PA, Marion, PA, Braddock Heights, MD, Mount Airy, MD, Middleway, WV, Harpers Ferry, WV, Shannondale, WV, Point of Rocks, MD, Brunswick, MD, Guilford, PA, Mercersburg, PA, Myersville, MD, Mont Alto, PA, Libertytown, MD, Williamsport, MD, and Greencastle, PA. 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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