Top Mortgage Lenders in Modesto, CA

Which mortgage lender in the Modesto, CA 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 Modesto, CA 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 Modesto, CA area in terms of interest rate is Provident Funding, with an average “Rate Difference” of -0.19%. This means that, comparing similar borrowers, Provident Funding provided a -0.19% lower interest rate for its customers than other lenders in the area. Provident Funding has a market share of 0.9%. On the other hand, the most popular lender in the Modesto, CA area is Quicken Loans, with a larger market share of 12.1%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.01% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Modesto, CA 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 Modesto, CA is Provident Funding. 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 Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Home Point Financial Corporation. The cheapest VA mortgage provider is also Home Point Financial Corporation. 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 Modesto, CA

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Provident Funding-0.19%(4.5)0.90%
Home Point Financial Corporation-0.18%(4.5)3.35%
AimLoan.com-0.15%(4.5)0.22%
Amerisave Mortgage Corporation-0.12%(4.0)0.50%
loanDepot-0.12%(4.0)3.46%
CashCall Mortgage-0.12%(4.0)0.80%
Bank of America-0.11%(4.0)1.71%
Sovereign Lending Group-0.11%(4.0)0.21%
Academy Mortgage Corporation Utah-0.10%(4.0)4.24%
Golden 1 Credit Union-0.10%(4.0)0.83%
Interactive Mortgage-0.09%(4.0)0.25%
Synergy One Lending-0.07%(4.0)1.69%
Fairway Independent Mortgage Corporation-0.07%(4.0)2.25%
New American Funding-0.06%(4.0)0.79%
Travis Credit Union-0.05%(4.0)0.31%
Land Home Financial Services-0.05%(4.0)0.98%
NewRez-0.04%(3.5)0.46%
Navy Federal Credit Union-0.04%(3.5)0.31%
Union Bank-0.04%(3.5)0.35%
JPMorgan Chase Bank-0.04%(3.5)3.22%
Bank in San Ramon-0.03%(3.5)1.30%
Scenic Oaks Funding-0.03%(3.5)6.63%
NBKC Bank-0.03%(3.5)0.25%
Golden Empire Mortgage-0.03%(3.5)1.05%
Planet Home Lending-0.01%(3.5)0.49%
HomeBridge Financial Services-0.01%(3.5)1.36%
USAA-0.01%(3.5)0.50%
K. Hovnanian American Mortgage-0.01%(3.5)0.57%
JMAC-0.01%(3.5)0.22%
Plaza Home Mortgage-0.01%(3.5)0.44%
Stearns Home Loans-0.01%(3.5)1.74%
US Bank-0.00%(3.5)0.74%
AmeriFirst Financial-0.00%(3.5)1.09%
Cardinal Financial Company-0.00%(3.5)1.66%
PRMG Mortgage-0.00%(3.5)0.61%
Caliber Home Loans0.00%(3.5)1.61%
Mason-McDuffie Mortgage Corporation0.01%(3.5)0.37%
Eagle Home Mortgage0.01%(3.5)0.44%
BBVA0.01%(3.5)0.64%
Quicken Loans0.01%(3.5)12.09%
Metropolitan Mortgage0.01%(3.5)0.23%
Movement Mortgage0.02%(3.5)1.41%
Flagstar Bank0.02%(3.5)1.49%
Finance of America Mortgage0.03%(3.5)2.00%
Guild Mortgage Company0.03%(3.5)0.95%
Mountain West Financial0.03%(3.5)0.53%
Freedom Mortgage Corporation0.04%(3.5)3.85%
CMG Financial0.04%(3.5)0.62%
Sierra Pacific Mortgage0.04%(3.5)0.60%
KBHS Home Loans0.04%(3.5)0.28%
Lakeview Loan Servicing0.04%(3.5)0.57%
Wells Fargo Bank0.05%(3.5)4.64%
Umpqua Bank0.05%(3.0)0.44%
Megastar Financial Corporation0.06%(3.0)0.69%
Citibank0.06%(3.0)0.31%
The Federal Savings Bank0.06%(3.0)0.33%
Nations Lending Corporation0.06%(3.0)0.25%
Panorama Mortgage Group0.07%(3.0)0.66%
PennyMac Loan Services0.07%(3.0)1.26%
American Pacific Mortgage0.07%(3.0)5.58%
Evergreen Moneysource Mortgage Company0.08%(3.0)0.33%
Gold Star Mortgage Financial Group0.08%(3.0)0.76%
Bay Equity Home Loans0.08%(3.0)0.33%
Carrington Mortgage Services0.09%(3.0)1.05%
PrimeLending0.10%(3.0)2.28%
Alameda Mortgage Corporation0.12%(3.0)0.80%
Summit Funding Inc0.12%(3.0)2.03%
Mr. Cooper0.13%(3.0)1.61%
Platinum Home Mortgage Corporation0.13%(3.0)0.44%
Primary Residential Mortgage Inc0.14%(3.0)1.51%
Supreme Lending0.14%(3.0)1.15%
Self-Help Federal Credit Union0.48%(1.0)0.40%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.22%(4.5)0.98%
Home Point Financial Corporation-0.19%(4.5)3.71%
JPMorgan Chase Bank-0.17%(4.5)1.88%
Wells Fargo Bank-0.12%(4.0)4.25%
Bank in San Ramon-0.11%(4.0)0.92%
Academy Mortgage Corporation Utah-0.11%(4.0)6.10%
Synergy One Lending-0.10%(4.0)2.22%
US Bank-0.09%(4.0)0.47%
Golden 1 Credit Union-0.08%(4.0)0.43%
HomeBridge Financial Services-0.07%(4.0)1.54%
Quicken Loans-0.07%(4.0)4.89%
New American Funding-0.07%(4.0)0.78%
Freedom Mortgage Corporation-0.06%(4.0)4.37%
Fairway Independent Mortgage Corporation-0.05%(3.5)3.35%
Navy Federal Credit Union-0.04%(3.5)0.47%
Golden Empire Mortgage-0.03%(3.5)1.56%
loanDepot-0.03%(3.5)2.27%
Planet Home Lending-0.03%(3.5)0.41%
Scenic Oaks Funding-0.02%(3.5)9.01%
AimLoan.com-0.02%(3.5)0.06%
NBKC Bank-0.01%(3.5)0.19%
Plaza Home Mortgage-0.01%(3.5)0.29%
PennyMac Loan Services-0.01%(3.5)0.22%
Provident Funding-0.01%(3.5)0.31%
Travis Credit Union-0.01%(3.5)0.13%
USAA-0.01%(3.5)0.65%
Mr. Cooper-0.00%(3.5)0.29%
AmeriFirst Financial-0.00%(3.5)1.44%
Stearns Home Loans0.00%(3.5)2.63%
Union Bank0.00%(3.5)0.22%
Citibank0.00%(3.5)0.13%
K. Hovnanian American Mortgage0.01%(3.5)1.23%
JMAC0.01%(3.5)0.18%
Land Home Financial Services0.01%(3.5)1.34%
Cardinal Financial Company0.01%(3.5)2.42%
Flagstar Bank0.01%(3.5)1.32%
PRMG Mortgage0.02%(3.5)0.85%
Lakeview Loan Servicing0.02%(3.5)0.04%
Eagle Home Mortgage0.02%(3.5)0.94%
Mason-McDuffie Mortgage Corporation0.03%(3.5)0.50%
Nations Lending Corporation0.03%(3.5)0.06%
The Federal Savings Bank0.03%(3.5)0.04%
NewRez0.03%(3.5)0.10%
BBVA0.04%(3.5)0.87%
Amerisave Mortgage Corporation0.04%(3.5)0.06%
Guild Mortgage Company0.04%(3.5)1.04%
Mountain West Financial0.04%(3.5)0.81%
CashCall Mortgage0.04%(3.5)0.18%
Movement Mortgage0.04%(3.5)1.86%
CMG Financial0.05%(3.0)0.97%
KBHS Home Loans0.05%(3.0)0.60%
Carrington Mortgage Services0.06%(3.0)0.22%
Umpqua Bank0.06%(3.0)0.53%
Sierra Pacific Mortgage0.07%(3.0)0.75%
Gold Star Mortgage Financial Group0.08%(3.0)1.14%
Panorama Mortgage Group0.08%(3.0)1.00%
Megastar Financial Corporation0.09%(3.0)0.57%
PrimeLending0.09%(3.0)3.26%
Evergreen Moneysource Mortgage Company0.09%(3.0)0.47%
Finance of America Mortgage0.10%(3.0)2.26%
Caliber Home Loans0.10%(3.0)1.13%
Bay Equity Home Loans0.11%(3.0)0.48%
American Pacific Mortgage0.12%(3.0)7.63%
Alameda Mortgage Corporation0.13%(3.0)1.28%
Primary Residential Mortgage Inc0.15%(3.0)1.86%
Supreme Lending0.15%(2.5)1.20%
Platinum Home Mortgage Corporation0.17%(2.5)0.66%
Summit Funding Inc0.17%(2.5)3.14%
Self-Help Federal Credit Union0.51%(1.0)0.85%
Lender NameRate DifferenceRate RatingMarket Share
Provident Funding-0.24%(4.5)1.41%
AimLoan.com-0.19%(4.5)0.36%
Home Point Financial Corporation-0.17%(4.5)3.04%
loanDepot-0.16%(4.5)4.50%
Amerisave Mortgage Corporation-0.15%(4.0)0.88%
CashCall Mortgage-0.15%(4.0)1.34%
Land Home Financial Services-0.14%(4.0)0.68%
Sovereign Lending Group-0.12%(4.0)0.40%
Golden 1 Credit Union-0.11%(4.0)1.18%
Interactive Mortgage-0.10%(4.0)0.46%
Fairway Independent Mortgage Corporation-0.09%(4.0)1.30%
Academy Mortgage Corporation Utah-0.08%(4.0)2.61%
Bank of America-0.08%(4.0)2.34%
Travis Credit Union-0.08%(4.0)0.46%
NewRez-0.07%(4.0)0.77%
Union Bank-0.06%(4.0)0.46%
New American Funding-0.05%(4.0)0.81%
Finance of America Mortgage-0.05%(4.0)1.76%
Caliber Home Loans-0.05%(3.5)2.02%
Scenic Oaks Funding-0.04%(3.5)4.57%
NBKC Bank-0.04%(3.5)0.31%
JMAC-0.02%(3.5)0.26%
BBVA-0.02%(3.5)0.43%
Navy Federal Credit Union-0.02%(3.5)0.17%
PRMG Mortgage-0.02%(3.5)0.40%
Mason-McDuffie Mortgage Corporation-0.02%(3.5)0.26%
Self-Help Federal Credit Union-0.02%(3.5)0.01%
Cardinal Financial Company-0.02%(3.5)1.00%
Movement Mortgage-0.01%(3.5)1.02%
Plaza Home Mortgage-0.01%(3.5)0.56%
Planet Home Lending-0.01%(3.5)0.55%
USAA-0.00%(3.5)0.37%
Bank in San Ramon-0.00%(3.5)1.62%
Metropolitan Mortgage0.00%(3.5)0.43%
Synergy One Lending0.00%(3.5)1.23%
Sierra Pacific Mortgage0.00%(3.5)0.47%
Stearns Home Loans0.00%(3.5)0.96%
American Pacific Mortgage0.00%(3.5)3.80%
AmeriFirst Financial0.00%(3.5)0.79%
Eagle Home Mortgage0.01%(3.5)0.01%
JPMorgan Chase Bank0.01%(3.5)4.39%
Summit Funding Inc0.01%(3.5)1.06%
Golden Empire Mortgage0.02%(3.5)0.60%
Guild Mortgage Company0.02%(3.5)0.87%
Quicken Loans0.02%(3.5)18.38%
US Bank0.02%(3.5)0.98%
CMG Financial0.03%(3.5)0.32%
Lakeview Loan Servicing0.03%(3.5)1.02%
Flagstar Bank0.03%(3.5)1.64%
Megastar Financial Corporation0.03%(3.5)0.79%
Mountain West Financial0.04%(3.5)0.28%
Umpqua Bank0.05%(3.5)0.37%
Bay Equity Home Loans0.05%(3.5)0.20%
The Federal Savings Bank0.05%(3.5)0.58%
Nations Lending Corporation0.06%(3.0)0.42%
HomeBridge Financial Services0.06%(3.0)1.20%
Evergreen Moneysource Mortgage Company0.06%(3.0)0.20%
Panorama Mortgage Group0.06%(3.0)0.36%
Citibank0.06%(3.0)0.47%
PennyMac Loan Services0.07%(3.0)2.16%
Carrington Mortgage Services0.08%(3.0)1.76%
Platinum Home Mortgage Corporation0.08%(3.0)0.26%
Alameda Mortgage Corporation0.11%(3.0)0.38%
PrimeLending0.12%(3.0)1.43%
Gold Star Mortgage Financial Group0.13%(3.0)0.42%
Mr. Cooper0.13%(3.0)2.75%
Supreme Lending0.13%(3.0)1.10%
Primary Residential Mortgage Inc0.14%(3.0)1.20%
Freedom Mortgage Corporation0.15%(3.0)3.40%
Wells Fargo Bank0.17%(2.5)4.98%
Lender NameRate DifferenceRate RatingMarket Share
Provident Funding-0.19%(4.5)1.26%
loanDepot-0.17%(4.5)3.67%
Amerisave Mortgage Corporation-0.16%(4.5)0.56%
Academy Mortgage Corporation Utah-0.15%(4.5)4.47%
AimLoan.com-0.15%(4.5)0.31%
Home Point Financial Corporation-0.15%(4.5)2.28%
Golden Empire Mortgage-0.15%(4.0)0.89%
CashCall Mortgage-0.12%(4.0)1.07%
Bank of America-0.11%(4.0)2.33%
Fairway Independent Mortgage Corporation-0.10%(4.0)2.15%
Synergy One Lending-0.10%(4.0)1.67%
Interactive Mortgage-0.10%(4.0)0.29%
Golden 1 Credit Union-0.10%(4.0)1.14%
New American Funding-0.08%(4.0)0.75%
NewRez-0.06%(4.0)0.40%
Land Home Financial Services-0.06%(4.0)1.01%
Travis Credit Union-0.05%(4.0)0.43%
Union Bank-0.04%(3.5)0.39%
JPMorgan Chase Bank-0.03%(3.5)4.34%
Bank in San Ramon-0.03%(3.5)1.74%
NBKC Bank-0.03%(3.5)0.31%
Planet Home Lending-0.03%(3.5)0.46%
Cardinal Financial Company-0.02%(3.5)1.44%
Scenic Oaks Funding-0.01%(3.5)6.31%
JMAC-0.01%(3.5)0.18%
Movement Mortgage-0.01%(3.5)1.34%
Mason-McDuffie Mortgage Corporation-0.00%(3.5)0.40%
US Bank-0.00%(3.5)0.91%
USAA-0.00%(3.5)0.31%
Eagle Home Mortgage0.01%(3.5)0.54%
PRMG Mortgage0.01%(3.5)0.47%
Finance of America Mortgage0.01%(3.5)1.92%
Stearns Home Loans0.01%(3.5)1.30%
K. Hovnanian American Mortgage0.02%(3.5)0.55%
Guild Mortgage Company0.02%(3.5)0.85%
Quicken Loans0.02%(3.5)14.74%
Nations Lending Corporation0.02%(3.5)0.09%
Panorama Mortgage Group0.02%(3.5)0.53%
AmeriFirst Financial0.02%(3.5)0.87%
The Federal Savings Bank0.03%(3.5)0.05%
KBHS Home Loans0.03%(3.5)0.17%
Plaza Home Mortgage0.03%(3.5)0.34%
Caliber Home Loans0.03%(3.5)1.24%
BBVA0.04%(3.5)0.66%
Flagstar Bank0.04%(3.5)1.50%
Lakeview Loan Servicing0.05%(3.0)0.22%
CMG Financial0.05%(3.0)0.34%
Freedom Mortgage Corporation0.06%(3.0)3.17%
Umpqua Bank0.06%(3.0)0.57%
Wells Fargo Bank0.06%(3.0)6.21%
Sierra Pacific Mortgage0.06%(3.0)0.65%
Metropolitan Mortgage0.06%(3.0)0.08%
Megastar Financial Corporation0.06%(3.0)0.75%
Citibank0.07%(3.0)0.43%
Mountain West Financial0.07%(3.0)0.35%
Navy Federal Credit Union0.07%(3.0)0.16%
American Pacific Mortgage0.07%(3.0)4.95%
Bay Equity Home Loans0.07%(3.0)0.31%
Evergreen Moneysource Mortgage Company0.09%(3.0)0.22%
HomeBridge Financial Services0.09%(3.0)0.94%
PrimeLending0.09%(3.0)2.58%
Carrington Mortgage Services0.10%(3.0)0.51%
Primary Residential Mortgage Inc0.13%(3.0)1.43%
Summit Funding Inc0.13%(3.0)1.52%
Alameda Mortgage Corporation0.14%(3.0)0.68%
Gold Star Mortgage Financial Group0.15%(3.0)0.68%
PennyMac Loan Services0.15%(2.5)0.99%
Supreme Lending0.18%(2.5)1.21%
Mr. Cooper0.20%(2.5)1.43%
Platinum Home Mortgage Corporation0.20%(2.5)0.41%
Self-Help Federal Credit Union0.49%(1.0)0.58%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.24%(4.5)1.40%
Golden Empire Mortgage-0.22%(4.5)1.40%
JPMorgan Chase Bank-0.19%(4.5)2.71%
Academy Mortgage Corporation Utah-0.17%(4.5)6.59%
Synergy One Lending-0.17%(4.5)2.26%
Wells Fargo Bank-0.12%(4.0)6.09%
Bank in San Ramon-0.11%(4.0)1.31%
US Bank-0.11%(4.0)0.57%
Home Point Financial Corporation-0.11%(4.0)2.76%
New American Funding-0.10%(4.0)0.78%
Fairway Independent Mortgage Corporation-0.09%(4.0)3.31%
Golden 1 Credit Union-0.08%(4.0)0.59%
loanDepot-0.07%(4.0)2.52%
Quicken Loans-0.05%(4.0)6.35%
Planet Home Lending-0.05%(3.5)0.48%
Freedom Mortgage Corporation-0.02%(3.5)4.09%
Cardinal Financial Company-0.01%(3.5)2.00%
AimLoan.com-0.01%(3.5)0.10%
NBKC Bank-0.00%(3.5)0.26%
PennyMac Loan Services-0.00%(3.5)0.21%
Provident Funding0.00%(3.5)0.48%
Travis Credit Union0.00%(3.5)0.21%
Panorama Mortgage Group0.01%(3.5)0.86%
JMAC0.01%(3.5)0.12%
Movement Mortgage0.01%(3.5)1.78%
Flagstar Bank0.01%(3.5)1.28%
Citibank0.01%(3.5)0.19%
Guild Mortgage Company0.02%(3.5)1.05%
Union Bank0.02%(3.5)0.19%
Scenic Oaks Funding0.02%(3.5)8.35%
USAA0.02%(3.5)0.55%
Mason-McDuffie Mortgage Corporation0.03%(3.5)0.57%
Land Home Financial Services0.03%(3.5)1.40%
Plaza Home Mortgage0.03%(3.5)0.19%
AmeriFirst Financial0.03%(3.5)1.24%
Eagle Home Mortgage0.03%(3.5)1.28%
Stearns Home Loans0.03%(3.5)2.16%
Lakeview Loan Servicing0.04%(3.5)0.02%
The Federal Savings Bank0.04%(3.5)0.02%
K. Hovnanian American Mortgage0.04%(3.5)1.33%
Nations Lending Corporation0.05%(3.5)0.05%
Amerisave Mortgage Corporation0.05%(3.5)0.07%
NewRez0.05%(3.0)0.07%
Mr. Cooper0.06%(3.0)0.10%
KBHS Home Loans0.06%(3.0)0.40%
CashCall Mortgage0.06%(3.0)0.26%
PRMG Mortgage0.06%(3.0)0.67%
Umpqua Bank0.08%(3.0)0.76%
CMG Financial0.08%(3.0)0.38%
Mountain West Financial0.08%(3.0)0.45%
PrimeLending0.09%(3.0)3.83%
BBVA0.09%(3.0)0.90%
Bay Equity Home Loans0.10%(3.0)0.43%
Primary Residential Mortgage Inc0.11%(3.0)1.59%
HomeBridge Financial Services0.11%(3.0)1.21%
Evergreen Moneysource Mortgage Company0.11%(3.0)0.26%
Sierra Pacific Mortgage0.12%(3.0)0.86%
Megastar Financial Corporation0.12%(3.0)0.57%
American Pacific Mortgage0.12%(3.0)6.90%
Navy Federal Credit Union0.12%(3.0)0.26%
Caliber Home Loans0.12%(3.0)1.09%
Finance of America Mortgage0.13%(3.0)1.97%
Gold Star Mortgage Financial Group0.16%(2.5)1.05%
Alameda Mortgage Corporation0.17%(2.5)1.05%
Summit Funding Inc0.21%(2.5)2.52%
Supreme Lending0.21%(2.5)1.26%
Platinum Home Mortgage Corporation0.30%(2.0)0.57%
Self-Help Federal Credit Union0.52%(1.0)1.38%
Lender NameRate DifferenceRate RatingMarket Share
Provident Funding-0.24%(4.5)1.81%
loanDepot-0.22%(4.5)4.47%
Home Point Financial Corporation-0.19%(4.5)1.95%
Amerisave Mortgage Corporation-0.19%(4.5)0.90%
AimLoan.com-0.19%(4.5)0.47%
Land Home Financial Services-0.17%(4.5)0.73%
CashCall Mortgage-0.15%(4.5)1.63%
Interactive Mortgage-0.12%(4.0)0.50%
Golden 1 Credit Union-0.11%(4.0)1.51%
Fairway Independent Mortgage Corporation-0.11%(4.0)1.35%
Academy Mortgage Corporation Utah-0.10%(4.0)2.99%
NewRez-0.09%(4.0)0.63%
Bank of America-0.08%(4.0)2.98%
Travis Credit Union-0.08%(4.0)0.58%
Finance of America Mortgage-0.07%(4.0)1.88%
Union Bank-0.07%(4.0)0.53%
New American Funding-0.06%(4.0)0.73%
NBKC Bank-0.05%(3.5)0.35%
Scenic Oaks Funding-0.04%(3.5)4.89%
PRMG Mortgage-0.04%(3.5)0.33%
JMAC-0.03%(3.5)0.22%
Cardinal Financial Company-0.03%(3.5)1.05%
Mason-McDuffie Mortgage Corporation-0.03%(3.5)0.28%
Caliber Home Loans-0.02%(3.5)1.35%
BBVA-0.02%(3.5)0.48%
Movement Mortgage-0.02%(3.5)1.03%
Self-Help Federal Credit Union-0.02%(3.5)0.02%
USAA-0.02%(3.5)0.15%
Navy Federal Credit Union-0.02%(3.5)0.08%
Planet Home Lending-0.01%(3.5)0.45%
Bank in San Ramon-0.00%(3.5)2.04%
Nations Lending Corporation-0.00%(3.5)0.12%
Synergy One Lending0.00%(3.5)1.26%
Sierra Pacific Mortgage0.00%(3.5)0.50%
Golden Empire Mortgage0.01%(3.5)0.53%
Eagle Home Mortgage0.01%(3.5)0.02%
JPMorgan Chase Bank0.01%(3.5)5.49%
Stearns Home Loans0.01%(3.5)0.70%
The Federal Savings Bank0.02%(3.5)0.07%
Summit Funding Inc0.02%(3.5)0.81%
Quicken Loans0.02%(3.5)20.60%
Plaza Home Mortgage0.02%(3.5)0.45%
American Pacific Mortgage0.02%(3.5)3.59%
Guild Mortgage Company0.02%(3.5)0.71%
US Bank0.03%(3.5)1.15%
CMG Financial0.03%(3.5)0.32%
Megastar Financial Corporation0.03%(3.5)0.88%
AmeriFirst Financial0.03%(3.5)0.62%
Lakeview Loan Servicing0.03%(3.5)0.35%
Metropolitan Mortgage0.04%(3.5)0.13%
Flagstar Bank0.05%(3.5)1.65%
Umpqua Bank0.05%(3.0)0.43%
Bay Equity Home Loans0.05%(3.0)0.23%
Mountain West Financial0.06%(3.0)0.28%
Citibank0.06%(3.0)0.60%
Evergreen Moneysource Mortgage Company0.07%(3.0)0.18%
Panorama Mortgage Group0.08%(3.0)0.30%
Carrington Mortgage Services0.08%(3.0)0.86%
HomeBridge Financial Services0.09%(3.0)0.75%
Platinum Home Mortgage Corporation0.09%(3.0)0.30%
PrimeLending0.13%(3.0)1.71%
Alameda Mortgage Corporation0.13%(3.0)0.42%
Primary Residential Mortgage Inc0.15%(2.5)1.31%
Supreme Lending0.15%(2.5)1.18%
PennyMac Loan Services0.15%(2.5)1.53%
Freedom Mortgage Corporation0.16%(2.5)2.53%
Gold Star Mortgage Financial Group0.16%(2.5)0.43%
Wells Fargo Bank0.18%(2.5)6.30%
Mr. Cooper0.19%(2.5)2.36%
Lender NameRate DifferenceRate RatingMarket Share
Home Point Financial Corporation-0.25%(4.5)5.82%
HomeBridge Financial Services-0.15%(4.5)2.62%
Scenic Oaks Funding-0.10%(4.0)8.07%
BBVA-0.08%(4.0)0.37%
K. Hovnanian American Mortgage-0.08%(4.0)0.55%
Plaza Home Mortgage-0.06%(4.0)0.59%
Quicken Loans-0.05%(3.5)5.76%
Interactive Mortgage-0.05%(3.5)0.15%
AmeriFirst Financial-0.04%(3.5)2.06%
Gold Star Mortgage Financial Group-0.04%(3.5)1.20%
Stearns Home Loans-0.03%(3.5)3.36%
CashCall Mortgage-0.03%(3.5)0.25%
Sierra Pacific Mortgage-0.03%(3.5)0.55%
Bank of America-0.03%(3.5)0.18%
Golden 1 Credit Union-0.03%(3.5)0.06%
NewRez-0.03%(3.5)0.65%
Union Bank-0.03%(3.5)0.25%
Land Home Financial Services-0.02%(3.5)1.08%
PRMG Mortgage-0.02%(3.5)1.20%
New American Funding-0.02%(3.5)0.92%
Caliber Home Loans-0.02%(3.5)2.25%
NBKC Bank-0.01%(3.5)0.06%
Freedom Mortgage Corporation-0.01%(3.5)5.64%
JMAC-0.01%(3.5)0.37%
Bank in San Ramon-0.01%(3.5)0.12%
Metropolitan Mortgage-0.00%(3.5)0.68%
Amerisave Mortgage Corporation-0.00%(3.5)0.22%
Mr. Cooper-0.00%(3.5)2.31%
US Bank0.00%(3.5)0.15%
Platinum Home Mortgage Corporation0.00%(3.5)0.59%
Flagstar Bank0.00%(3.5)1.02%
Travis Credit Union0.00%(3.5)0.03%
Mountain West Financial0.00%(3.5)1.17%
Provident Funding0.01%(3.5)0.06%
Umpqua Bank0.01%(3.5)0.12%
Synergy One Lending0.01%(3.5)2.00%
Navy Federal Credit Union0.01%(3.5)0.03%
JPMorgan Chase Bank0.01%(3.5)0.09%
Fairway Independent Mortgage Corporation0.01%(3.5)2.77%
Sovereign Lending Group0.01%(3.5)0.09%
Planet Home Lending0.02%(3.5)0.40%
The Federal Savings Bank0.02%(3.5)0.25%
Cardinal Financial Company0.02%(3.5)2.22%
Eagle Home Mortgage0.02%(3.5)0.18%
CMG Financial0.03%(3.5)1.66%
Wells Fargo Bank0.03%(3.5)0.15%
Academy Mortgage Corporation Utah0.03%(3.5)4.07%
PennyMac Loan Services0.04%(3.5)1.11%
Mason-McDuffie Mortgage Corporation0.04%(3.5)0.37%
KBHS Home Loans0.04%(3.5)0.68%
Guild Mortgage Company0.04%(3.5)1.36%
Megastar Financial Corporation0.05%(3.5)0.46%
Lakeview Loan Servicing0.05%(3.5)1.45%
Supreme Lending0.05%(3.0)1.05%
Carrington Mortgage Services0.06%(3.0)2.16%
Finance of America Mortgage0.06%(3.0)2.56%
loanDepot0.07%(3.0)2.10%
Evergreen Moneysource Mortgage Company0.07%(3.0)0.71%
Movement Mortgage0.07%(3.0)1.88%
Nations Lending Corporation0.08%(3.0)0.52%
Alameda Mortgage Corporation0.08%(3.0)1.33%
American Pacific Mortgage0.08%(3.0)7.30%
Summit Funding Inc0.11%(3.0)3.61%
Bay Equity Home Loans0.12%(3.0)0.40%
Panorama Mortgage Group0.13%(3.0)1.29%
PrimeLending0.15%(3.0)1.57%
Golden Empire Mortgage0.16%(2.5)1.88%
Primary Residential Mortgage Inc0.20%(2.5)1.79%
Lender NameRate DifferenceRate RatingMarket Share
HomeBridge Financial Services-0.29%(5.0)2.19%
Home Point Financial Corporation-0.29%(5.0)5.76%
Quicken Loans-0.14%(4.0)2.65%
Freedom Mortgage Corporation-0.12%(4.0)4.97%
Scenic Oaks Funding-0.10%(4.0)10.09%
BBVA-0.08%(4.0)0.51%
K. Hovnanian American Mortgage-0.07%(4.0)0.84%
Plaza Home Mortgage-0.06%(4.0)0.46%
AmeriFirst Financial-0.04%(3.5)2.05%
Gold Star Mortgage Financial Group-0.04%(3.5)1.49%
Stearns Home Loans-0.04%(3.5)3.91%
Sierra Pacific Mortgage-0.04%(3.5)0.56%
Mr. Cooper-0.03%(3.5)0.74%
PRMG Mortgage-0.03%(3.5)1.35%
Union Bank-0.03%(3.5)0.28%
PennyMac Loan Services-0.03%(3.5)0.09%
Bank of America-0.02%(3.5)0.28%
Golden 1 Credit Union-0.02%(3.5)0.09%
Land Home Financial Services-0.02%(3.5)1.35%
New American Funding-0.01%(3.5)0.84%
NBKC Bank-0.01%(3.5)0.09%
US Bank-0.01%(3.5)0.14%
Bank in San Ramon-0.00%(3.5)0.14%
JMAC-0.00%(3.5)0.33%
Flagstar Bank0.00%(3.5)1.21%
Platinum Home Mortgage Corporation0.01%(3.5)0.84%
CashCall Mortgage0.01%(3.5)0.05%
Lakeview Loan Servicing0.01%(3.5)0.09%
Provident Funding0.01%(3.5)0.05%
Mountain West Financial0.01%(3.5)1.58%
Umpqua Bank0.01%(3.5)0.14%
Nations Lending Corporation0.01%(3.5)0.09%
NewRez0.01%(3.5)0.19%
Navy Federal Credit Union0.01%(3.5)0.05%
JPMorgan Chase Bank0.01%(3.5)0.14%
Synergy One Lending0.02%(3.5)2.42%
Fairway Independent Mortgage Corporation0.02%(3.5)3.44%
The Federal Savings Bank0.02%(3.5)0.09%
Amerisave Mortgage Corporation0.02%(3.5)0.05%
Carrington Mortgage Services0.03%(3.5)0.42%
Cardinal Financial Company0.03%(3.5)3.16%
Eagle Home Mortgage0.03%(3.5)0.28%
CMG Financial0.03%(3.5)2.28%
Wells Fargo Bank0.03%(3.5)0.19%
Academy Mortgage Corporation Utah0.04%(3.5)5.58%
Planet Home Lending0.04%(3.5)0.28%
KBHS Home Loans0.05%(3.5)1.02%
Mason-McDuffie Mortgage Corporation0.05%(3.0)0.46%
Supreme Lending0.05%(3.0)1.21%
Megastar Financial Corporation0.06%(3.0)0.51%
Finance of America Mortgage0.07%(3.0)2.93%
Evergreen Moneysource Mortgage Company0.08%(3.0)0.88%
Caliber Home Loans0.08%(3.0)1.26%
Guild Mortgage Company0.08%(3.0)1.12%
loanDepot0.09%(3.0)1.67%
Alameda Mortgage Corporation0.09%(3.0)1.86%
Movement Mortgage0.10%(3.0)2.14%
American Pacific Mortgage0.13%(3.0)8.37%
Bay Equity Home Loans0.13%(3.0)0.56%
Summit Funding Inc0.14%(3.0)4.18%
PrimeLending0.16%(2.5)2.19%
Panorama Mortgage Group0.16%(2.5)1.49%
Golden Empire Mortgage0.19%(2.5)2.14%
Primary Residential Mortgage Inc0.23%(2.5)2.23%
Lender NameRate DifferenceRate RatingMarket Share
Home Point Financial Corporation-0.16%(4.5)5.94%
Caliber Home Loans-0.08%(4.0)4.20%
American Pacific Mortgage-0.06%(4.0)5.21%
Plaza Home Mortgage-0.06%(4.0)0.82%
Interactive Mortgage-0.05%(4.0)0.46%
Scenic Oaks Funding-0.05%(4.0)4.11%
CashCall Mortgage-0.04%(3.5)0.64%
NewRez-0.04%(3.5)1.55%
AmeriFirst Financial-0.04%(3.5)2.10%
New American Funding-0.03%(3.5)1.10%
Land Home Financial Services-0.03%(3.5)0.55%
JMAC-0.02%(3.5)0.46%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.46%
Sierra Pacific Mortgage-0.02%(3.5)0.55%
BBVA-0.02%(3.5)0.09%
Synergy One Lending-0.01%(3.5)1.19%
Quicken Loans-0.01%(3.5)11.88%
Amerisave Mortgage Corporation-0.01%(3.5)0.55%
Stearns Home Loans-0.01%(3.5)2.29%
Metropolitan Mortgage-0.01%(3.5)2.01%
Bank in San Ramon-0.01%(3.5)0.09%
Mountain West Financial-0.01%(3.5)0.37%
Union Bank-0.01%(3.5)0.18%
Gold Star Mortgage Financial Group-0.01%(3.5)0.64%
Platinum Home Mortgage Corporation-0.01%(3.5)0.09%
Planet Home Lending-0.01%(3.5)0.64%
Travis Credit Union-0.00%(3.5)0.09%
Umpqua Bank-0.00%(3.5)0.09%
Flagstar Bank-0.00%(3.5)0.64%
Provident Funding-0.00%(3.5)0.09%
Guild Mortgage Company-0.00%(3.5)1.83%
Cardinal Financial Company0.00%(3.5)0.37%
Mr. Cooper0.00%(3.5)5.39%
Alameda Mortgage Corporation0.00%(3.5)0.27%
Megastar Financial Corporation0.01%(3.5)0.37%
Sovereign Lending Group0.01%(3.5)0.27%
Movement Mortgage0.01%(3.5)1.37%
Mason-McDuffie Mortgage Corporation0.01%(3.5)0.18%
Wells Fargo Bank0.01%(3.5)0.09%
Summit Funding Inc0.01%(3.5)2.47%
US Bank0.01%(3.5)0.18%
Bay Equity Home Loans0.01%(3.5)0.09%
PRMG Mortgage0.01%(3.5)0.91%
The Federal Savings Bank0.02%(3.5)0.55%
CMG Financial0.02%(3.5)0.46%
Academy Mortgage Corporation Utah0.02%(3.5)1.10%
HomeBridge Financial Services0.02%(3.5)3.47%
Panorama Mortgage Group0.04%(3.5)0.91%
PennyMac Loan Services0.04%(3.5)3.11%
Evergreen Moneysource Mortgage Company0.04%(3.5)0.37%
loanDepot0.04%(3.5)2.93%
PrimeLending0.04%(3.5)0.37%
Supreme Lending0.04%(3.5)0.73%
Lakeview Loan Servicing0.04%(3.5)4.11%
Golden Empire Mortgage0.05%(3.5)1.37%
Finance of America Mortgage0.06%(3.0)1.83%
Carrington Mortgage Services0.06%(3.0)5.58%
Primary Residential Mortgage Inc0.08%(3.0)0.91%
Nations Lending Corporation0.08%(3.0)1.37%
Freedom Mortgage Corporation0.15%(3.0)6.95%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.04%(3.5)16.18%
BBVA-0.04%(3.5)8.82%
Golden 1 Credit Union-0.02%(3.5)2.21%
American Pacific Mortgage-0.01%(3.5)2.21%
US Bank-0.01%(3.5)6.62%
Citibank-0.00%(3.5)1.47%
PrimeLending-0.00%(3.5)3.68%
JPMorgan Chase Bank0.00%(3.5)15.44%
Caliber Home Loans0.00%(3.5)0.74%
Bank of America0.00%(3.5)4.41%
Cardinal Financial Company0.01%(3.5)1.47%
loanDepot0.01%(3.5)2.21%
Supreme Lending0.01%(3.5)0.74%
Bank in San Ramon0.01%(3.5)5.88%
Union Bank0.01%(3.5)1.47%
Sierra Pacific Mortgage0.01%(3.5)0.74%
Academy Mortgage Corporation Utah0.02%(3.5)2.94%
HomeBridge Financial Services0.02%(3.5)2.21%
PRMG Mortgage0.02%(3.5)0.74%
Quicken Loans0.03%(3.5)5.88%
Primary Residential Mortgage Inc0.03%(3.5)4.41%
Megastar Financial Corporation0.03%(3.5)0.74%
Flagstar Bank0.05%(3.5)2.94%
Scenic Oaks Funding0.07%(3.0)5.88%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.06%(4.0)17.33%
BBVA-0.04%(3.5)10.67%
Golden 1 Credit Union-0.02%(3.5)2.67%
Bank of America-0.02%(3.5)2.67%
American Pacific Mortgage-0.01%(3.5)4.00%
Citibank-0.01%(3.5)1.33%
US Bank-0.01%(3.5)4.00%
Quicken Loans-0.01%(3.5)2.67%
PrimeLending-0.00%(3.5)2.67%
Bank in San Ramon0.00%(3.5)6.67%
Cardinal Financial Company0.00%(3.5)2.67%
Union Bank0.01%(3.5)1.33%
Academy Mortgage Corporation Utah0.01%(3.5)2.67%
Sierra Pacific Mortgage0.01%(3.5)1.33%
HomeBridge Financial Services0.01%(3.5)4.00%
loanDepot0.02%(3.5)1.33%
PRMG Mortgage0.02%(3.5)1.33%
JPMorgan Chase Bank0.03%(3.5)10.67%
Megastar Financial Corporation0.03%(3.5)1.33%
Primary Residential Mortgage Inc0.03%(3.5)4.00%
Flagstar Bank0.05%(3.5)5.33%
Scenic Oaks Funding0.08%(3.0)9.33%
Lender NameRate DifferenceRate RatingMarket Share
BBVA-0.02%(3.5)6.56%
Wells Fargo Bank-0.02%(3.5)14.75%
JPMorgan Chase Bank-0.02%(3.5)21.31%
US Bank-0.01%(3.5)9.84%
Golden 1 Credit Union-0.01%(3.5)1.64%
PrimeLending-0.00%(3.5)4.92%
loanDepot0.00%(3.5)3.28%
Caliber Home Loans0.00%(3.5)1.64%
Citibank0.00%(3.5)1.64%
Supreme Lending0.01%(3.5)1.64%
Bank of America0.01%(3.5)6.56%
Union Bank0.02%(3.5)1.64%
Academy Mortgage Corporation Utah0.02%(3.5)3.28%
Primary Residential Mortgage Inc0.02%(3.5)4.92%
Scenic Oaks Funding0.02%(3.5)1.64%
Bank in San Ramon0.03%(3.5)4.92%
Quicken Loans0.04%(3.5)9.84%
Lender NameRate DifferenceRate RatingMarket Share
Home Point Financial Corporation-0.14%(4.0)6.67%
Sovereign Lending Group-0.13%(4.0)2.71%
Navy Federal Credit Union-0.12%(4.0)2.71%
PennyMac Loan Services-0.10%(4.0)4.54%
Wells Fargo Bank-0.09%(4.0)1.64%
Caliber Home Loans-0.07%(4.0)3.29%
Plaza Home Mortgage-0.07%(4.0)0.97%
Flagstar Bank-0.04%(3.5)2.71%
New American Funding-0.03%(3.5)0.87%
Land Home Financial Services-0.03%(3.5)0.58%
K. Hovnanian American Mortgage-0.03%(3.5)0.97%
Lakeview Loan Servicing-0.03%(3.5)1.35%
USAA-0.03%(3.5)3.96%
Metropolitan Mortgage-0.02%(3.5)0.39%
BBVA-0.01%(3.5)0.19%
US Bank-0.01%(3.5)0.19%
loanDepot-0.01%(3.5)5.89%
JPMorgan Chase Bank-0.01%(3.5)0.29%
Planet Home Lending-0.01%(3.5)1.06%
PRMG Mortgage-0.00%(3.5)0.10%
KBHS Home Loans-0.00%(3.5)0.19%
JMAC0.00%(3.5)0.19%
Stearns Home Loans0.00%(3.5)1.16%
Union Bank0.00%(3.5)0.10%
Interactive Mortgage0.00%(3.5)0.10%
Fairway Independent Mortgage Corporation0.00%(3.5)1.93%
PrimeLending0.00%(3.5)1.35%
Mountain West Financial0.00%(3.5)0.29%
Golden Empire Mortgage0.00%(3.5)0.10%
NBKC Bank0.00%(3.5)0.29%
Mason-McDuffie Mortgage Corporation0.01%(3.5)0.10%
Alameda Mortgage Corporation0.01%(3.5)0.48%
AmeriFirst Financial0.01%(3.5)0.39%
Finance of America Mortgage0.01%(3.5)1.26%
Umpqua Bank0.01%(3.5)0.29%
Sierra Pacific Mortgage0.01%(3.5)0.29%
Scenic Oaks Funding0.01%(3.5)5.41%
CMG Financial0.02%(3.5)0.19%
Amerisave Mortgage Corporation0.02%(3.5)0.87%
Platinum Home Mortgage Corporation0.02%(3.5)0.39%
Synergy One Lending0.02%(3.5)1.06%
Academy Mortgage Corporation Utah0.02%(3.5)2.61%
Bay Equity Home Loans0.03%(3.5)0.39%
NewRez0.03%(3.5)0.48%
Evergreen Moneysource Mortgage Company0.03%(3.5)0.29%
Movement Mortgage0.03%(3.5)0.87%
American Pacific Mortgage0.03%(3.5)6.86%
Cardinal Financial Company0.03%(3.5)2.13%
Eagle Home Mortgage0.03%(3.5)0.39%
Gold Star Mortgage Financial Group0.04%(3.5)0.19%
Primary Residential Mortgage Inc0.04%(3.5)1.06%
Supreme Lending0.05%(3.5)0.87%
HomeBridge Financial Services0.05%(3.5)1.45%
Summit Funding Inc0.05%(3.5)2.42%
Megastar Financial Corporation0.05%(3.0)0.77%
Guild Mortgage Company0.06%(3.0)0.77%
The Federal Savings Bank0.06%(3.0)3.38%
Nations Lending Corporation0.06%(3.0)1.06%
Freedom Mortgage Corporation0.06%(3.0)5.51%
Mr. Cooper0.07%(3.0)1.35%
Quicken Loans0.12%(3.0)6.67%
Carrington Mortgage Services0.12%(3.0)3.00%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.16%(4.5)5.18%
Wells Fargo Bank-0.09%(4.0)4.40%
Home Point Financial Corporation-0.07%(4.0)3.37%
USAA-0.06%(4.0)5.44%
Quicken Loans-0.04%(3.5)1.81%
Land Home Financial Services-0.03%(3.5)0.78%
K. Hovnanian American Mortgage-0.03%(3.5)2.59%
PennyMac Loan Services-0.03%(3.5)1.04%
BBVA-0.02%(3.5)0.52%
US Bank-0.01%(3.5)0.52%
JPMorgan Chase Bank-0.01%(3.5)0.78%
KBHS Home Loans-0.01%(3.5)0.52%
Freedom Mortgage Corporation-0.01%(3.5)4.92%
PrimeLending-0.00%(3.5)3.11%
Synergy One Lending-0.00%(3.5)1.04%
Plaza Home Mortgage-0.00%(3.5)0.52%
AmeriFirst Financial0.00%(3.5)0.52%
Golden Empire Mortgage0.00%(3.5)0.26%
Fairway Independent Mortgage Corporation0.00%(3.5)3.89%
Mountain West Financial0.00%(3.5)0.52%
Umpqua Bank0.01%(3.5)0.26%
Academy Mortgage Corporation Utah0.01%(3.5)4.40%
Alameda Mortgage Corporation0.01%(3.5)0.78%
Stearns Home Loans0.01%(3.5)1.04%
New American Funding0.01%(3.5)0.52%
Sierra Pacific Mortgage0.01%(3.5)0.52%
Flagstar Bank0.01%(3.5)1.55%
HomeBridge Financial Services0.01%(3.5)1.04%
Megastar Financial Corporation0.01%(3.5)0.78%
Scenic Oaks Funding0.02%(3.5)10.10%
Finance of America Mortgage0.02%(3.5)2.07%
loanDepot0.02%(3.5)3.11%
Platinum Home Mortgage Corporation0.02%(3.5)0.78%
CMG Financial0.02%(3.5)0.26%
Cardinal Financial Company0.03%(3.5)2.85%
Caliber Home Loans0.03%(3.5)1.04%
Eagle Home Mortgage0.03%(3.5)1.04%
Bay Equity Home Loans0.03%(3.5)0.78%
Evergreen Moneysource Mortgage Company0.03%(3.5)0.52%
Gold Star Mortgage Financial Group0.04%(3.5)0.52%
Movement Mortgage0.04%(3.5)1.55%
Primary Residential Mortgage Inc0.04%(3.5)2.33%
Guild Mortgage Company0.04%(3.5)0.78%
Planet Home Lending0.05%(3.5)0.52%
Supreme Lending0.05%(3.5)0.78%
Carrington Mortgage Services0.05%(3.0)1.55%
Summit Funding Inc0.06%(3.0)4.66%
American Pacific Mortgage0.07%(3.0)12.18%
Lender NameRate DifferenceRate RatingMarket Share
Home Point Financial Corporation-0.15%(4.5)8.63%
Sovereign Lending Group-0.13%(4.0)4.31%
PennyMac Loan Services-0.10%(4.0)6.63%
Plaza Home Mortgage-0.08%(4.0)1.23%
Caliber Home Loans-0.08%(4.0)4.62%
Flagstar Bank-0.05%(4.0)3.39%
American Pacific Mortgage-0.05%(3.5)3.70%
New American Funding-0.04%(3.5)1.08%
Land Home Financial Services-0.03%(3.5)0.46%
Lakeview Loan Servicing-0.02%(3.5)2.16%
Navy Federal Credit Union-0.02%(3.5)1.23%
Planet Home Lending-0.02%(3.5)1.39%
Metropolitan Mortgage-0.01%(3.5)0.62%
loanDepot-0.01%(3.5)7.55%
Finance of America Mortgage-0.01%(3.5)0.77%
Stearns Home Loans-0.00%(3.5)1.23%
Scenic Oaks Funding-0.00%(3.5)2.62%
PRMG Mortgage-0.00%(3.5)0.15%
Mountain West Financial-0.00%(3.5)0.15%
Alameda Mortgage Corporation0.00%(3.5)0.31%
Fairway Independent Mortgage Corporation0.00%(3.5)0.77%
Bay Equity Home Loans0.00%(3.5)0.15%
JMAC0.00%(3.5)0.31%
Union Bank0.00%(3.5)0.15%
Sierra Pacific Mortgage0.00%(3.5)0.15%
Platinum Home Mortgage Corporation0.00%(3.5)0.15%
Interactive Mortgage0.01%(3.5)0.15%
Evergreen Moneysource Mortgage Company0.01%(3.5)0.15%
CMG Financial0.01%(3.5)0.15%
Summit Funding Inc0.01%(3.5)1.08%
NBKC Bank0.01%(3.5)0.46%
Movement Mortgage0.01%(3.5)0.46%
Mason-McDuffie Mortgage Corporation0.01%(3.5)0.15%
USAA0.01%(3.5)3.08%
Umpqua Bank0.01%(3.5)0.31%
AmeriFirst Financial0.01%(3.5)0.31%
Amerisave Mortgage Corporation0.02%(3.5)1.39%
Primary Residential Mortgage Inc0.02%(3.5)0.31%
NewRez0.03%(3.5)0.77%
PrimeLending0.03%(3.5)0.31%
Synergy One Lending0.03%(3.5)1.08%
Cardinal Financial Company0.04%(3.5)1.69%
Academy Mortgage Corporation Utah0.04%(3.5)1.54%
Supreme Lending0.05%(3.5)0.92%
Guild Mortgage Company0.06%(3.0)0.77%
HomeBridge Financial Services0.06%(3.0)1.69%
The Federal Savings Bank0.06%(3.0)5.39%
Nations Lending Corporation0.07%(3.0)1.69%
Megastar Financial Corporation0.07%(3.0)0.77%
Mr. Cooper0.08%(3.0)2.16%
Freedom Mortgage Corporation0.10%(3.0)5.86%
Quicken Loans0.14%(3.0)9.55%
Carrington Mortgage Services0.14%(3.0)3.85%

* Data is compiled for the Modesto, CA commuting zone area, which comprises of counties of Merced County, CA, Stanislaus County, CA, and Tuolumne County, CA. This includes cities/towns/communities of Modesto, CA as well as Turlock, CA, Los Banos, CA, Merced, CA, Ceres, CA, Riverbank, CA, Oakdale, CA, Franklin, CA, Atwater, CA, Patterson, CA, Cedar Ridge, CA, Salida, CA, Newman, CA, Tuttle, CA, Waterford, CA, Hughson, CA, Denair, CA, West Modesto, CA, Livingston, CA, Winton, CA, East Oakdale, CA, Sonora, CA, Bret Harte, CA, Groveland, CA, Tuttletown, CA, Tuolumne City, CA, Delhi, CA, Keyes, CA, Hilmar-Irwin, CA, Grayson, CA, Gustine, CA, Soulsbyville, CA, Dos Palos, CA, Empire, CA, Volta, CA, Hickman, CA, Chinese Camp, CA, Ballico, CA, Bystrom, CA, Planada, CA, El Nido, CA, Monterey Park Tract, CA, Le Grand, CA, Crows Landing, CA, Dos Palos Y, CA, and Stevinson, CA. 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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