Top Mortgage Lenders in Lakeland, FL

Which mortgage lender in the Lakeland, FL 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 Lakeland, FL 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 Lakeland, FL area in terms of interest rate is DHI Mortgage Company Limited, with an average “Rate Difference” of -0.35%. This means that, comparing similar borrowers, DHI Mortgage Company Limited provided a -0.35% lower interest rate for its customers than other lenders in the area. DHI Mortgage Company Limited has a market share of 4.1%. On the other hand, the most popular lender in the Lakeland, FL area is Quicken Loans, with a larger market share of 11.6%. 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 Lakeland, FL 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 Lakeland, FL is Suncoast Credit Union. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is JPMorgan Chase Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is DHI Mortgage Company Limited. 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 Lakeland, FL

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
DHI Mortgage Company Limited	-0.35%	(5.0)	4.08%
Suncoast Credit Union	-0.33%	(5.0)	0.60%
MidFlorida Credit Union	-0.22%	(4.5)	3.94%
Bank of America	-0.17%	(4.5)	1.35%
Partners Federal Credit Union	-0.16%	(4.5)	0.54%
HomeAmerican Mortgage Corporation	-0.16%	(4.5)	0.82%
Navy Federal Credit Union	-0.13%	(4.0)	1.06%
Fairwinds Credit Union	-0.13%	(4.0)	0.29%
Park Square Home Mortgage LLC	-0.12%	(4.0)	0.55%
GTE Financial	-0.12%	(4.0)	0.45%
Keller Mortgage	-0.12%	(4.0)	0.38%
JPMorgan Chase Bank	-0.11%	(4.0)	1.25%
Amerisave Mortgage Corporation	-0.10%	(4.0)	0.38%
Freedom Mortgage Corporation	-0.10%	(4.0)	2.90%
Caliber Home Loans	-0.09%	(4.0)	4.94%
USAA	-0.09%	(4.0)	1.20%
SunTrust Bank	-0.08%	(4.0)	0.94%
Pulte Mortgage LLC	-0.07%	(4.0)	1.07%
Home Point Financial Corporation	-0.06%	(4.0)	1.32%
Wells Fargo Bank	-0.06%	(4.0)	2.56%
PNC Bank	-0.06%	(4.0)	0.36%
Truist Bank	-0.06%	(4.0)	0.45%
Crescent Mortgage Company	-0.06%	(4.0)	0.32%
Village Capital	-0.04%	(3.5)	0.29%
Stearns Home Loans	-0.04%	(3.5)	0.69%
Fifth Third Bank	-0.03%	(3.5)	0.27%
Taylor Morrison Home Funding	-0.03%	(3.5)	0.95%
NewRez	-0.03%	(3.5)	1.16%
Lakeview Loan Servicing	-0.03%	(3.5)	0.46%
US Bank	-0.02%	(3.5)	0.23%
Guild Mortgage Company	-0.02%	(3.5)	0.65%
Guaranteed Rate Affinity	-0.02%	(3.5)	0.35%
FBC Mortgage	-0.01%	(3.5)	4.42%
PennyMac Loan Services	-0.01%	(3.5)	1.57%
Guaranteed Rate	-0.01%	(3.5)	0.98%
NVR Mortgage Finance Inc	-0.01%	(3.5)	0.89%
PrimeLending	0.01%	(3.5)	0.72%
Regions Bank	0.01%	(3.5)	0.47%
Synergy One Lending	0.01%	(3.5)	0.57%
Bank of England AR	0.01%	(3.5)	0.24%
Movement Mortgage	0.03%	(3.5)	1.49%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	1.59%
Bay Equity Home Loans	0.03%	(3.5)	0.25%
CMG Financial	0.03%	(3.5)	0.23%
Flagstar Bank	0.04%	(3.5)	1.42%
Christensen Financial Inc	0.04%	(3.5)	0.26%
Hometown Lenders	0.04%	(3.5)	0.26%
Atlantic Bay Mortgage Group	0.04%	(3.5)	0.52%
Nations Lending Corporation	0.05%	(3.5)	0.26%
Union Home Mortgage	0.05%	(3.0)	0.44%
Embrace Home Loans	0.06%	(3.0)	1.39%
Carrington Mortgage Services	0.06%	(3.0)	1.22%
Cardinal Financial Company	0.06%	(3.0)	0.60%
The Federal Savings Bank	0.07%	(3.0)	0.36%
Waterstone Mortgage Corporation	0.07%	(3.0)	0.57%
Quicken Loans	0.07%	(3.0)	11.61%
Mortgage Equity Partners	0.07%	(3.0)	0.26%
Royal United Mortgage	0.07%	(3.0)	0.26%
Supreme Lending	0.08%	(3.0)	0.89%
KBHS Home Loans	0.08%	(3.0)	0.85%
The Mortgage Firm	0.08%	(3.0)	6.82%
Geneva Financial Home Loans	0.09%	(3.0)	0.65%
HomeBridge Financial Services	0.09%	(3.0)	1.54%
R P Funding	0.10%	(3.0)	1.16%
Mortgage Solutions Financial	0.10%	(3.0)	0.26%
loanDepot	0.11%	(3.0)	2.70%
Success Mortgage Partners	0.11%	(3.0)	1.03%
Hamilton Group Funding	0.11%	(3.0)	0.54%
Amerifirst Home Mortgage	0.11%	(3.0)	1.76%
CenterState Bank	0.12%	(3.0)	1.48%
Primary Residential Mortgage Inc	0.13%	(3.0)	1.63%
Equity Prime Mortgage	0.14%	(3.0)	2.49%
Land Home Financial Services	0.14%	(3.0)	0.45%
Nationwide Mortgage Bankers	0.15%	(2.5)	0.40%
New American Funding	0.17%	(2.5)	1.41%
Mr. Cooper	0.18%	(2.5)	1.93%
PRMG Mortgage	0.19%	(2.5)	1.30%
OneTrust Home Loans	0.33%	(2.0)	0.65%
NewDay USA	0.33%	(2.0)	0.35%

Lender Name	Rate Difference	Rate Rating	Market Share
DHI Mortgage Company Limited	-0.34%	(5.0)	5.72%
Suncoast Credit Union	-0.33%	(5.0)	0.50%
Bank of America	-0.22%	(4.5)	1.20%
JPMorgan Chase Bank	-0.21%	(4.5)	0.99%
Freedom Mortgage Corporation	-0.19%	(4.5)	2.87%
MidFlorida Credit Union	-0.19%	(4.5)	2.91%
Wells Fargo Bank	-0.16%	(4.5)	2.32%
HomeAmerican Mortgage Corporation	-0.15%	(4.5)	1.14%
Navy Federal Credit Union	-0.14%	(4.0)	1.24%
Partners Federal Credit Union	-0.13%	(4.0)	0.45%
SunTrust Bank	-0.12%	(4.0)	0.86%
Keller Mortgage	-0.12%	(4.0)	0.49%
Park Square Home Mortgage LLC	-0.11%	(4.0)	0.77%
Fairwinds Credit Union	-0.11%	(4.0)	0.21%
PNC Bank	-0.09%	(4.0)	0.30%
Caliber Home Loans	-0.08%	(4.0)	5.75%
USAA	-0.08%	(4.0)	1.21%
Crescent Mortgage Company	-0.07%	(4.0)	0.26%
Truist Bank	-0.07%	(4.0)	0.34%
Pulte Mortgage LLC	-0.06%	(4.0)	1.50%
GTE Financial	-0.06%	(4.0)	0.33%
Home Point Financial Corporation	-0.05%	(4.0)	1.30%
Stearns Home Loans	-0.04%	(3.5)	0.87%
NewRez	-0.03%	(3.5)	1.06%
Regions Bank	-0.03%	(3.5)	0.43%
Taylor Morrison Home Funding	-0.02%	(3.5)	1.33%
Fifth Third Bank	-0.02%	(3.5)	0.22%
Guild Mortgage Company	-0.02%	(3.5)	0.79%
Guaranteed Rate Affinity	-0.01%	(3.5)	0.46%
US Bank	-0.01%	(3.5)	0.14%
PennyMac Loan Services	-0.01%	(3.5)	0.87%
NVR Mortgage Finance Inc	-0.00%	(3.5)	1.25%
FBC Mortgage	0.00%	(3.5)	5.46%
Guaranteed Rate	0.01%	(3.5)	1.05%
Lakeview Loan Servicing	0.01%	(3.5)	0.02%
PrimeLending	0.01%	(3.5)	0.93%
The Federal Savings Bank	0.02%	(3.5)	0.03%
Bank of England AR	0.02%	(3.5)	0.27%
Amerisave Mortgage Corporation	0.02%	(3.5)	0.05%
Synergy One Lending	0.02%	(3.5)	0.55%
Nations Lending Corporation	0.04%	(3.5)	0.21%
Movement Mortgage	0.04%	(3.5)	1.92%
Quicken Loans	0.04%	(3.5)	6.04%
Bay Equity Home Loans	0.04%	(3.5)	0.33%
CMG Financial	0.04%	(3.5)	0.31%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	2.06%
Hometown Lenders	0.05%	(3.0)	0.32%
Christensen Financial Inc	0.05%	(3.0)	0.34%
Atlantic Bay Mortgage Group	0.05%	(3.0)	0.70%
NewDay USA	0.06%	(3.0)	0.05%
R P Funding	0.06%	(3.0)	0.22%
Flagstar Bank	0.06%	(3.0)	1.47%
Union Home Mortgage	0.07%	(3.0)	0.52%
Cardinal Financial Company	0.07%	(3.0)	0.53%
Royal United Mortgage	0.08%	(3.0)	0.10%
Waterstone Mortgage Corporation	0.08%	(3.0)	0.76%
Embrace Home Loans	0.08%	(3.0)	1.68%
KBHS Home Loans	0.08%	(3.0)	1.19%
Supreme Lending	0.09%	(3.0)	1.17%
Mortgage Equity Partners	0.09%	(3.0)	0.31%
HomeBridge Financial Services	0.09%	(3.0)	1.85%
Geneva Financial Home Loans	0.09%	(3.0)	0.88%
The Mortgage Firm	0.09%	(3.0)	8.22%
Carrington Mortgage Services	0.11%	(3.0)	0.45%
Amerifirst Home Mortgage	0.13%	(3.0)	2.32%
Success Mortgage Partners	0.13%	(3.0)	1.33%
Hamilton Group Funding	0.13%	(3.0)	0.67%
Equity Prime Mortgage	0.15%	(3.0)	3.37%
Primary Residential Mortgage Inc	0.15%	(2.5)	2.03%
Mortgage Solutions Financial	0.16%	(2.5)	0.24%
Land Home Financial Services	0.17%	(2.5)	0.55%
Nationwide Mortgage Bankers	0.18%	(2.5)	0.51%
Mr. Cooper	0.18%	(2.5)	1.20%
CenterState Bank	0.18%	(2.5)	1.48%
loanDepot	0.20%	(2.5)	2.05%
New American Funding	0.20%	(2.5)	1.66%
PRMG Mortgage	0.21%	(2.5)	1.65%
OneTrust Home Loans	0.34%	(2.0)	0.89%

Lender Name	Rate Difference	Rate Rating	Market Share
Suncoast Credit Union	-0.33%	(5.0)	0.87%
MidFlorida Credit Union	-0.27%	(5.0)	6.53%
Partners Federal Credit Union	-0.21%	(4.5)	0.77%
GTE Financial	-0.19%	(4.5)	0.77%
Fairwinds Credit Union	-0.16%	(4.5)	0.48%
Amerisave Mortgage Corporation	-0.13%	(4.0)	1.19%
Caliber Home Loans	-0.13%	(4.0)	2.94%
USAA	-0.10%	(4.0)	1.16%
FBC Mortgage	-0.09%	(4.0)	1.83%
Home Point Financial Corporation	-0.09%	(4.0)	1.38%
Navy Federal Credit Union	-0.08%	(4.0)	0.61%
Bank of America	-0.08%	(4.0)	1.72%
Fairway Independent Mortgage Corporation	-0.06%	(4.0)	0.42%
Village Capital	-0.06%	(4.0)	1.03%
Fifth Third Bank	-0.06%	(4.0)	0.40%
Guaranteed Rate	-0.06%	(4.0)	0.82%
Truist Bank	-0.06%	(4.0)	0.71%
Keller Mortgage	-0.05%	(3.5)	0.11%
Lakeview Loan Servicing	-0.04%	(3.5)	1.56%
US Bank	-0.04%	(3.5)	0.48%
Crescent Mortgage Company	-0.04%	(3.5)	0.45%
Stearns Home Loans	-0.04%	(3.5)	0.24%
Flagstar Bank	-0.03%	(3.5)	1.30%
CenterState Bank	-0.03%	(3.5)	1.48%
Equity Prime Mortgage	-0.03%	(3.5)	0.29%
PennyMac Loan Services	-0.03%	(3.5)	3.33%
Union Home Mortgage	-0.03%	(3.5)	0.24%
Land Home Financial Services	-0.03%	(3.5)	0.21%
Synergy One Lending	-0.02%	(3.5)	0.63%
NewRez	-0.02%	(3.5)	1.40%
PNC Bank	-0.02%	(3.5)	0.53%
Mortgage Equity Partners	-0.02%	(3.5)	0.16%
Guaranteed Rate Affinity	-0.02%	(3.5)	0.05%
Movement Mortgage	-0.02%	(3.5)	0.40%
Embrace Home Loans	-0.02%	(3.5)	0.66%
Christensen Financial Inc	-0.02%	(3.5)	0.08%
Guild Mortgage Company	-0.02%	(3.5)	0.29%
loanDepot	-0.02%	(3.5)	4.34%
CMG Financial	-0.01%	(3.5)	0.05%
New American Funding	-0.01%	(3.5)	0.79%
SunTrust Bank	-0.01%	(3.5)	1.16%
Mortgage Solutions Financial	-0.01%	(3.5)	0.29%
Supreme Lending	-0.01%	(3.5)	0.19%
PRMG Mortgage	-0.01%	(3.5)	0.42%
Bay Equity Home Loans	-0.00%	(3.5)	0.05%
PrimeLending	-0.00%	(3.5)	0.21%
Hometown Lenders	-0.00%	(3.5)	0.11%
Bank of England AR	-0.00%	(3.5)	0.16%
Atlantic Bay Mortgage Group	0.00%	(3.5)	0.08%
OneTrust Home Loans	0.01%	(3.5)	0.05%
Nationwide Mortgage Bankers	0.01%	(3.5)	0.13%
Hamilton Group Funding	0.01%	(3.5)	0.24%
Success Mortgage Partners	0.01%	(3.5)	0.29%
Geneva Financial Home Loans	0.01%	(3.5)	0.08%
The Mortgage Firm	0.01%	(3.5)	3.31%
JPMorgan Chase Bank	0.01%	(3.5)	1.90%
Primary Residential Mortgage Inc	0.02%	(3.5)	0.63%
Amerifirst Home Mortgage	0.02%	(3.5)	0.34%
Waterstone Mortgage Corporation	0.02%	(3.5)	0.08%
Carrington Mortgage Services	0.03%	(3.5)	3.15%
Cardinal Financial Company	0.04%	(3.5)	0.79%
The Federal Savings Bank	0.05%	(3.0)	1.19%
Nations Lending Corporation	0.05%	(3.0)	0.40%
Royal United Mortgage	0.06%	(3.0)	0.69%
Regions Bank	0.07%	(3.0)	0.56%
Quicken Loans	0.07%	(3.0)	25.56%
HomeBridge Financial Services	0.07%	(3.0)	0.77%
R P Funding	0.09%	(3.0)	3.52%
Wells Fargo Bank	0.12%	(3.0)	3.15%
Freedom Mortgage Corporation	0.12%	(3.0)	2.96%
Mr. Cooper	0.17%	(2.5)	3.76%
NewDay USA	0.35%	(2.0)	1.08%

Lender Name	Rate Difference	Rate Rating	Market Share
Suncoast Credit Union	-0.33%	(5.0)	1.22%
DHI Mortgage Company Limited	-0.27%	(5.0)	2.29%
MidFlorida Credit Union	-0.23%	(4.5)	7.93%
Pulte Mortgage LLC	-0.18%	(4.5)	1.23%
Bank of America	-0.17%	(4.5)	2.52%
Partners Federal Credit Union	-0.16%	(4.5)	1.10%
Amerisave Mortgage Corporation	-0.14%	(4.0)	0.56%
Keller Mortgage	-0.14%	(4.0)	0.53%
Fairwinds Credit Union	-0.13%	(4.0)	0.58%
GTE Financial	-0.13%	(4.0)	0.84%
JPMorgan Chase Bank	-0.12%	(4.0)	2.47%
SunTrust Bank	-0.09%	(4.0)	1.43%
Truist Bank	-0.07%	(4.0)	0.75%
PNC Bank	-0.07%	(4.0)	0.67%
Wells Fargo Bank	-0.07%	(4.0)	4.88%
Crescent Mortgage Company	-0.06%	(4.0)	0.52%
Guaranteed Rate	-0.06%	(4.0)	1.02%
Amerifirst Home Mortgage	-0.06%	(4.0)	1.51%
USAA	-0.05%	(4.0)	0.81%
Fifth Third Bank	-0.05%	(4.0)	0.38%
Park Square Home Mortgage LLC	-0.05%	(4.0)	0.37%
HomeAmerican Mortgage Corporation	-0.04%	(3.5)	0.46%
Guild Mortgage Company	-0.03%	(3.5)	0.70%
Taylor Morrison Home Funding	-0.03%	(3.5)	1.22%
US Bank	-0.03%	(3.5)	0.43%
KBHS Home Loans	-0.02%	(3.5)	0.40%
Guaranteed Rate Affinity	-0.01%	(3.5)	0.37%
Lakeview Loan Servicing	-0.01%	(3.5)	0.06%
OneTrust Home Loans	-0.01%	(3.5)	0.11%
Bank of England AR	-0.00%	(3.5)	0.26%
Nationwide Mortgage Bankers	-0.00%	(3.5)	0.34%
loanDepot	-0.00%	(3.5)	2.24%
NVR Mortgage Finance Inc	0.01%	(3.5)	0.59%
Home Point Financial Corporation	0.01%	(3.5)	0.79%
Mortgage Solutions Financial	0.02%	(3.5)	0.02%
CMG Financial	0.02%	(3.5)	0.14%
Synergy One Lending	0.02%	(3.5)	0.43%
Union Home Mortgage	0.02%	(3.5)	0.49%
Land Home Financial Services	0.02%	(3.5)	0.30%
The Federal Savings Bank	0.02%	(3.5)	0.05%
Regions Bank	0.03%	(3.5)	0.66%
Nations Lending Corporation	0.03%	(3.5)	0.14%
The Mortgage Firm	0.03%	(3.5)	8.35%
Movement Mortgage	0.04%	(3.5)	1.43%
PennyMac Loan Services	0.04%	(3.5)	1.27%
Bay Equity Home Loans	0.05%	(3.5)	0.12%
Hometown Lenders	0.05%	(3.5)	0.32%
Waterstone Mortgage Corporation	0.05%	(3.0)	0.58%
Stearns Home Loans	0.05%	(3.0)	0.26%
Embrace Home Loans	0.05%	(3.0)	1.33%
Flagstar Bank	0.06%	(3.0)	1.20%
FBC Mortgage	0.06%	(3.0)	2.44%
Christensen Financial Inc	0.07%	(3.0)	0.30%
Fairway Independent Mortgage Corporation	0.07%	(3.0)	1.17%
Atlantic Bay Mortgage Group	0.07%	(3.0)	0.56%
Carrington Mortgage Services	0.07%	(3.0)	0.58%
Primary Residential Mortgage Inc	0.07%	(3.0)	1.45%
Caliber Home Loans	0.07%	(3.0)	3.09%
Navy Federal Credit Union	0.08%	(3.0)	0.79%
NewRez	0.09%	(3.0)	0.93%
Freedom Mortgage Corporation	0.09%	(3.0)	1.04%
Royal United Mortgage	0.09%	(3.0)	0.41%
Cardinal Financial Company	0.09%	(3.0)	0.66%
Geneva Financial Home Loans	0.09%	(3.0)	0.56%
Supreme Lending	0.09%	(3.0)	1.11%
PrimeLending	0.10%	(3.0)	0.50%
R P Funding	0.10%	(3.0)	2.10%
HomeBridge Financial Services	0.10%	(3.0)	1.16%
Hamilton Group Funding	0.12%	(3.0)	0.44%
Mortgage Equity Partners	0.12%	(3.0)	0.30%
Equity Prime Mortgage	0.12%	(3.0)	0.93%
Quicken Loans	0.12%	(3.0)	14.28%
Success Mortgage Partners	0.12%	(3.0)	0.81%
CenterState Bank	0.16%	(2.5)	2.58%
New American Funding	0.16%	(2.5)	1.05%
PRMG Mortgage	0.16%	(2.5)	0.98%
Mr. Cooper	0.19%	(2.5)	1.13%

Lender Name	Rate Difference	Rate Rating	Market Share
Suncoast Credit Union	-0.33%	(5.0)	1.07%
DHI Mortgage Company Limited	-0.26%	(5.0)	3.43%
Bank of America	-0.23%	(4.5)	2.31%
JPMorgan Chase Bank	-0.22%	(4.5)	2.08%
MidFlorida Credit Union	-0.19%	(4.5)	6.29%
Wells Fargo Bank	-0.17%	(4.5)	4.64%
Pulte Mortgage LLC	-0.17%	(4.5)	1.85%
SunTrust Bank	-0.14%	(4.0)	1.26%
Keller Mortgage	-0.14%	(4.0)	0.71%
Partners Federal Credit Union	-0.13%	(4.0)	0.98%
PNC Bank	-0.11%	(4.0)	0.57%
Fairwinds Credit Union	-0.11%	(4.0)	0.46%
Truist Bank	-0.09%	(4.0)	0.53%
Crescent Mortgage Company	-0.08%	(4.0)	0.43%
USAA	-0.06%	(4.0)	0.96%
GTE Financial	-0.06%	(4.0)	0.59%
Amerifirst Home Mortgage	-0.05%	(4.0)	2.06%
Guaranteed Rate	-0.05%	(3.5)	1.07%
Park Square Home Mortgage LLC	-0.04%	(3.5)	0.55%
Fifth Third Bank	-0.04%	(3.5)	0.30%
HomeAmerican Mortgage Corporation	-0.03%	(3.5)	0.69%
Guild Mortgage Company	-0.03%	(3.5)	0.96%
Regions Bank	-0.02%	(3.5)	0.53%
Taylor Morrison Home Funding	-0.02%	(3.5)	1.83%
KBHS Home Loans	-0.01%	(3.5)	0.59%
US Bank	-0.01%	(3.5)	0.25%
Guaranteed Rate Affinity	-0.00%	(3.5)	0.50%
OneTrust Home Loans	0.00%	(3.5)	0.16%
Nationwide Mortgage Bankers	0.00%	(3.5)	0.43%
Freedom Mortgage Corporation	0.00%	(3.5)	0.89%
Bank of England AR	0.00%	(3.5)	0.37%
loanDepot	0.01%	(3.5)	1.67%
NVR Mortgage Finance Inc	0.02%	(3.5)	0.89%
Lakeview Loan Servicing	0.02%	(3.5)	0.02%
Mortgage Solutions Financial	0.03%	(3.5)	0.02%
The Federal Savings Bank	0.03%	(3.5)	0.05%
CMG Financial	0.03%	(3.5)	0.18%
Amerisave Mortgage Corporation	0.03%	(3.5)	0.07%
Land Home Financial Services	0.04%	(3.5)	0.39%
Union Home Mortgage	0.04%	(3.5)	0.59%
Movement Mortgage	0.05%	(3.0)	1.90%
Home Point Financial Corporation	0.05%	(3.0)	0.85%
Synergy One Lending	0.06%	(3.0)	0.41%
Bay Equity Home Loans	0.06%	(3.0)	0.16%
The Mortgage Firm	0.06%	(3.0)	10.63%
R P Funding	0.06%	(3.0)	0.46%
Mr. Cooper	0.06%	(3.0)	0.41%
Nations Lending Corporation	0.06%	(3.0)	0.14%
Hometown Lenders	0.06%	(3.0)	0.41%
Waterstone Mortgage Corporation	0.06%	(3.0)	0.85%
Embrace Home Loans	0.07%	(3.0)	1.71%
Quicken Loans	0.07%	(3.0)	8.34%
PennyMac Loan Services	0.08%	(3.0)	1.10%
Stearns Home Loans	0.08%	(3.0)	0.32%
Fairway Independent Mortgage Corporation	0.08%	(3.0)	1.71%
Atlantic Bay Mortgage Group	0.08%	(3.0)	0.80%
Primary Residential Mortgage Inc	0.08%	(3.0)	1.97%
Christensen Financial Inc	0.08%	(3.0)	0.41%
Caliber Home Loans	0.09%	(3.0)	4.02%
FBC Mortgage	0.09%	(3.0)	3.04%
Royal United Mortgage	0.10%	(3.0)	0.16%
Flagstar Bank	0.10%	(3.0)	1.17%
Geneva Financial Home Loans	0.10%	(3.0)	0.80%
Supreme Lending	0.11%	(3.0)	1.58%
Navy Federal Credit Union	0.11%	(3.0)	1.03%
HomeBridge Financial Services	0.12%	(3.0)	1.62%
PrimeLending	0.12%	(3.0)	0.64%
Cardinal Financial Company	0.12%	(3.0)	0.62%
NewRez	0.13%	(3.0)	0.80%
Carrington Mortgage Services	0.14%	(3.0)	0.25%
Mortgage Equity Partners	0.14%	(3.0)	0.41%
Success Mortgage Partners	0.15%	(2.5)	1.05%
Hamilton Group Funding	0.15%	(2.5)	0.53%
Equity Prime Mortgage	0.15%	(2.5)	1.21%
PRMG Mortgage	0.18%	(2.5)	1.35%
New American Funding	0.21%	(2.5)	1.28%
CenterState Bank	0.25%	(2.5)	2.63%

Lender Name	Rate Difference	Rate Rating	Market Share
Suncoast Credit Union	-0.33%	(5.0)	1.51%
MidFlorida Credit Union	-0.28%	(5.0)	11.21%
Partners Federal Credit Union	-0.22%	(4.5)	1.33%
GTE Financial	-0.20%	(4.5)	1.33%
Amerisave Mortgage Corporation	-0.17%	(4.5)	1.56%
Fairwinds Credit Union	-0.17%	(4.5)	0.82%
Guaranteed Rate	-0.08%	(4.0)	0.91%
Bank of America	-0.08%	(4.0)	2.93%
The Mortgage Firm	-0.08%	(4.0)	3.80%
Fifth Third Bank	-0.08%	(4.0)	0.55%
Home Point Financial Corporation	-0.07%	(4.0)	0.69%
Truist Bank	-0.06%	(4.0)	1.19%
Navy Federal Credit Union	-0.06%	(4.0)	0.32%
Synergy One Lending	-0.05%	(4.0)	0.46%
FBC Mortgage	-0.05%	(4.0)	1.24%
Keller Mortgage	-0.05%	(4.0)	0.18%
US Bank	-0.05%	(3.5)	0.78%
Crescent Mortgage Company	-0.04%	(3.5)	0.69%
Stearns Home Loans	-0.04%	(3.5)	0.14%
New American Funding	-0.04%	(3.5)	0.59%
Equity Prime Mortgage	-0.04%	(3.5)	0.37%
Lakeview Loan Servicing	-0.04%	(3.5)	0.14%
Union Home Mortgage	-0.03%	(3.5)	0.27%
CenterState Bank	-0.03%	(3.5)	2.47%
PNC Bank	-0.03%	(3.5)	0.87%
Land Home Financial Services	-0.03%	(3.5)	0.14%
Christensen Financial Inc	-0.03%	(3.5)	0.09%
Nations Lending Corporation	-0.03%	(3.5)	0.14%
Movement Mortgage	-0.02%	(3.5)	0.50%
Guaranteed Rate Affinity	-0.02%	(3.5)	0.09%
Fairway Independent Mortgage Corporation	-0.02%	(3.5)	0.09%
loanDepot	-0.02%	(3.5)	3.39%
Guild Mortgage Company	-0.02%	(3.5)	0.18%
Flagstar Bank	-0.02%	(3.5)	1.28%
SunTrust Bank	-0.01%	(3.5)	1.78%
Hometown Lenders	-0.01%	(3.5)	0.14%
CMG Financial	-0.01%	(3.5)	0.05%
Embrace Home Loans	-0.01%	(3.5)	0.55%
PennyMac Loan Services	-0.01%	(3.5)	1.60%
Bank of England AR	-0.01%	(3.5)	0.05%
PrimeLending	-0.01%	(3.5)	0.23%
Supreme Lending	-0.01%	(3.5)	0.18%
Bay Equity Home Loans	-0.00%	(3.5)	0.05%
Amerifirst Home Mortgage	0.00%	(3.5)	0.41%
Mortgage Equity Partners	0.00%	(3.5)	0.09%
Success Mortgage Partners	0.00%	(3.5)	0.32%
Caliber Home Loans	0.00%	(3.5)	1.24%
Atlantic Bay Mortgage Group	0.00%	(3.5)	0.09%
USAA	0.00%	(3.5)	0.50%
Waterstone Mortgage Corporation	0.01%	(3.5)	0.05%
Nationwide Mortgage Bankers	0.01%	(3.5)	0.14%
Hamilton Group Funding	0.01%	(3.5)	0.27%
JPMorgan Chase Bank	0.01%	(3.5)	3.25%
NewRez	0.02%	(3.5)	1.19%
Geneva Financial Home Loans	0.02%	(3.5)	0.09%
The Federal Savings Bank	0.02%	(3.5)	0.05%
Carrington Mortgage Services	0.02%	(3.5)	1.24%
PRMG Mortgage	0.03%	(3.5)	0.23%
Cardinal Financial Company	0.03%	(3.5)	0.73%
Primary Residential Mortgage Inc	0.03%	(3.5)	0.41%
HomeBridge Financial Services	0.04%	(3.5)	0.23%
Regions Bank	0.07%	(3.0)	0.91%
Royal United Mortgage	0.07%	(3.0)	0.91%
R P Funding	0.09%	(3.0)	5.40%
Wells Fargo Bank	0.11%	(3.0)	5.35%
Quicken Loans	0.14%	(3.0)	26.17%
Freedom Mortgage Corporation	0.19%	(2.5)	1.33%
Mr. Cooper	0.21%	(2.5)	2.56%

Lender Name	Rate Difference	Rate Rating	Market Share
DHI Mortgage Company Limited	-0.41%	(5.0)	6.32%
HomeAmerican Mortgage Corporation	-0.23%	(4.5)	1.30%
Freedom Mortgage Corporation	-0.21%	(4.5)	4.62%
Caliber Home Loans	-0.18%	(4.5)	7.26%
Park Square Home Mortgage LLC	-0.17%	(4.5)	0.81%
CenterState Bank	-0.14%	(4.0)	0.41%
NewRez	-0.13%	(4.0)	1.50%
Bank of America	-0.13%	(4.0)	0.22%
Home Point Financial Corporation	-0.11%	(4.0)	1.82%
SunTrust Bank	-0.11%	(4.0)	0.36%
Taylor Morrison Home Funding	-0.09%	(4.0)	0.51%
Keller Mortgage	-0.09%	(4.0)	0.22%
Regions Bank	-0.08%	(4.0)	0.20%
Quicken Loans	-0.07%	(4.0)	8.53%
Stearns Home Loans	-0.07%	(4.0)	1.24%
Crescent Mortgage Company	-0.05%	(4.0)	0.06%
FBC Mortgage	-0.05%	(4.0)	7.24%
PennyMac Loan Services	-0.04%	(3.5)	1.56%
PrimeLending	-0.04%	(3.5)	0.95%
GTE Financial	-0.03%	(3.5)	0.10%
Guaranteed Rate Affinity	-0.02%	(3.5)	0.36%
NVR Mortgage Finance Inc	-0.01%	(3.5)	1.54%
The Federal Savings Bank	-0.01%	(3.5)	0.10%
Navy Federal Credit Union	-0.01%	(3.5)	0.08%
Village Capital	-0.01%	(3.5)	0.47%
Amerisave Mortgage Corporation	-0.01%	(3.5)	0.14%
Synergy One Lending	-0.01%	(3.5)	0.73%
Truist Bank	-0.00%	(3.5)	0.04%
Fifth Third Bank	-0.00%	(3.5)	0.10%
Guild Mortgage Company	0.00%	(3.5)	0.63%
Mortgage Equity Partners	0.00%	(3.5)	0.18%
Royal United Mortgage	0.01%	(3.5)	0.14%
Christensen Financial Inc	0.01%	(3.5)	0.28%
Flagstar Bank	0.01%	(3.5)	1.42%
PNC Bank	0.01%	(3.5)	0.02%
US Bank	0.01%	(3.5)	0.04%
Fairway Independent Mortgage Corporation	0.02%	(3.5)	1.84%
Lakeview Loan Servicing	0.02%	(3.5)	0.71%
Atlantic Bay Mortgage Group	0.02%	(3.5)	0.45%
JPMorgan Chase Bank	0.02%	(3.5)	0.02%
Movement Mortgage	0.02%	(3.5)	1.68%
R P Funding	0.02%	(3.5)	0.02%
Hometown Lenders	0.03%	(3.5)	0.20%
Cardinal Financial Company	0.03%	(3.5)	0.59%
Nations Lending Corporation	0.03%	(3.5)	0.32%
Bay Equity Home Loans	0.03%	(3.5)	0.43%
Bank of England AR	0.04%	(3.5)	0.26%
CMG Financial	0.05%	(3.5)	0.36%
Guaranteed Rate	0.05%	(3.5)	0.87%
Supreme Lending	0.06%	(3.0)	0.67%
Wells Fargo Bank	0.06%	(3.0)	0.06%
Carrington Mortgage Services	0.06%	(3.0)	1.66%
Geneva Financial Home Loans	0.07%	(3.0)	0.69%
Embrace Home Loans	0.08%	(3.0)	1.56%
Pulte Mortgage LLC	0.09%	(3.0)	0.97%
Waterstone Mortgage Corporation	0.09%	(3.0)	0.55%
HomeBridge Financial Services	0.09%	(3.0)	2.03%
Union Home Mortgage	0.10%	(3.0)	0.51%
KBHS Home Loans	0.11%	(3.0)	1.52%
Success Mortgage Partners	0.12%	(3.0)	1.40%
Hamilton Group Funding	0.12%	(3.0)	0.77%
Equity Prime Mortgage	0.14%	(3.0)	5.01%
The Mortgage Firm	0.15%	(2.5)	6.91%
Mortgage Solutions Financial	0.17%	(2.5)	0.37%
New American Funding	0.19%	(2.5)	2.13%
Mr. Cooper	0.20%	(2.5)	2.96%
Primary Residential Mortgage Inc	0.21%	(2.5)	1.80%
Land Home Financial Services	0.21%	(2.5)	0.75%
PRMG Mortgage	0.23%	(2.5)	1.84%
Amerifirst Home Mortgage	0.26%	(2.0)	2.33%
Nationwide Mortgage Bankers	0.27%	(2.0)	0.61%
loanDepot	0.29%	(2.0)	2.37%
OneTrust Home Loans	0.40%	(1.5)	1.32%

Lender Name	Rate Difference	Rate Rating	Market Share
DHI Mortgage Company Limited	-0.41%	(5.0)	7.70%
Freedom Mortgage Corporation	-0.26%	(5.0)	4.67%
HomeAmerican Mortgage Corporation	-0.23%	(4.5)	1.59%
Caliber Home Loans	-0.19%	(4.5)	7.70%
Park Square Home Mortgage LLC	-0.17%	(4.5)	0.99%
NewRez	-0.15%	(4.5)	1.30%
CenterState Bank	-0.15%	(4.5)	0.46%
PennyMac Loan Services	-0.15%	(4.0)	0.65%
Home Point Financial Corporation	-0.13%	(4.0)	1.73%
SunTrust Bank	-0.13%	(4.0)	0.38%
Bank of America	-0.13%	(4.0)	0.26%
Taylor Morrison Home Funding	-0.09%	(4.0)	0.63%
Keller Mortgage	-0.09%	(4.0)	0.26%
Regions Bank	-0.08%	(4.0)	0.24%
Quicken Loans	-0.07%	(4.0)	3.82%
Stearns Home Loans	-0.07%	(4.0)	1.42%
Crescent Mortgage Company	-0.05%	(4.0)	0.07%
FBC Mortgage	-0.04%	(3.5)	8.03%
PrimeLending	-0.04%	(3.5)	1.13%
GTE Financial	-0.03%	(3.5)	0.12%
Fifth Third Bank	-0.02%	(3.5)	0.07%
Guaranteed Rate Affinity	-0.02%	(3.5)	0.43%
NVR Mortgage Finance Inc	-0.01%	(3.5)	1.88%
Navy Federal Credit Union	-0.01%	(3.5)	0.07%
Synergy One Lending	-0.01%	(3.5)	0.67%
Truist Bank	-0.00%	(3.5)	0.05%
Guild Mortgage Company	-0.00%	(3.5)	0.65%
Royal United Mortgage	-0.00%	(3.5)	0.05%
Mortgage Equity Partners	0.00%	(3.5)	0.19%
The Federal Savings Bank	0.00%	(3.5)	0.02%
Cardinal Financial Company	0.00%	(3.5)	0.46%
Christensen Financial Inc	0.01%	(3.5)	0.31%
PNC Bank	0.01%	(3.5)	0.02%
Flagstar Bank	0.01%	(3.5)	1.59%
US Bank	0.01%	(3.5)	0.02%
Fairway Independent Mortgage Corporation	0.02%	(3.5)	2.16%
JPMorgan Chase Bank	0.02%	(3.5)	0.02%
Atlantic Bay Mortgage Group	0.02%	(3.5)	0.53%
Nations Lending Corporation	0.02%	(3.5)	0.26%
Movement Mortgage	0.02%	(3.5)	2.02%
Hometown Lenders	0.03%	(3.5)	0.22%
Bay Equity Home Loans	0.03%	(3.5)	0.51%
Bank of England AR	0.05%	(3.5)	0.24%
CMG Financial	0.05%	(3.5)	0.43%
Guaranteed Rate	0.05%	(3.5)	1.01%
Wells Fargo Bank	0.06%	(3.0)	0.07%
Supreme Lending	0.06%	(3.0)	0.79%
Geneva Financial Home Loans	0.07%	(3.0)	0.84%
Carrington Mortgage Services	0.08%	(3.0)	0.63%
HomeBridge Financial Services	0.09%	(3.0)	2.12%
Embrace Home Loans	0.09%	(3.0)	1.71%
Pulte Mortgage LLC	0.09%	(3.0)	1.18%
Waterstone Mortgage Corporation	0.10%	(3.0)	0.63%
Union Home Mortgage	0.11%	(3.0)	0.55%
KBHS Home Loans	0.11%	(3.0)	1.85%
Success Mortgage Partners	0.12%	(3.0)	1.61%
Hamilton Group Funding	0.13%	(3.0)	0.87%
Equity Prime Mortgage	0.15%	(3.0)	6.04%
The Mortgage Firm	0.15%	(3.0)	7.41%
Mortgage Solutions Financial	0.19%	(2.5)	0.41%
New American Funding	0.21%	(2.5)	2.26%
Mr. Cooper	0.23%	(2.5)	1.90%
Land Home Financial Services	0.23%	(2.5)	0.84%
Primary Residential Mortgage Inc	0.24%	(2.5)	1.92%
PRMG Mortgage	0.25%	(2.5)	2.07%
Amerifirst Home Mortgage	0.27%	(2.0)	2.77%
Nationwide Mortgage Bankers	0.29%	(2.0)	0.70%
loanDepot	0.36%	(1.5)	2.24%
OneTrust Home Loans	0.41%	(1.5)	1.56%

Lender Name	Rate Difference	Rate Rating	Market Share
Caliber Home Loans	-0.14%	(4.0)	5.28%
FBC Mortgage	-0.13%	(4.0)	3.63%
Quicken Loans	-0.07%	(4.0)	30.03%
NewRez	-0.06%	(4.0)	2.42%
Home Point Financial Corporation	-0.04%	(3.5)	2.20%
Fairway Independent Mortgage Corporation	-0.02%	(3.5)	0.33%
CenterState Bank	-0.02%	(3.5)	0.22%
The Federal Savings Bank	-0.02%	(3.5)	0.44%
Land Home Financial Services	-0.01%	(3.5)	0.33%
Stearns Home Loans	-0.01%	(3.5)	0.44%
Village Capital	-0.01%	(3.5)	2.64%
Amerisave Mortgage Corporation	-0.01%	(3.5)	0.77%
Flagstar Bank	-0.00%	(3.5)	0.66%
Embrace Home Loans	-0.00%	(3.5)	0.88%
Navy Federal Credit Union	-0.00%	(3.5)	0.11%
Union Home Mortgage	-0.00%	(3.5)	0.33%
Movement Mortgage	0.00%	(3.5)	0.11%
PrimeLending	0.00%	(3.5)	0.11%
PRMG Mortgage	0.00%	(3.5)	0.77%
Equity Prime Mortgage	0.00%	(3.5)	0.33%
Royal United Mortgage	0.01%	(3.5)	0.55%
Guild Mortgage Company	0.01%	(3.5)	0.55%
Guaranteed Rate	0.01%	(3.5)	0.22%
Synergy One Lending	0.01%	(3.5)	0.99%
Mortgage Equity Partners	0.01%	(3.5)	0.11%
US Bank	0.01%	(3.5)	0.11%
PennyMac Loan Services	0.01%	(3.5)	5.72%
Atlantic Bay Mortgage Group	0.01%	(3.5)	0.11%
Bay Equity Home Loans	0.01%	(3.5)	0.11%
Lakeview Loan Servicing	0.02%	(3.5)	3.96%
Supreme Lending	0.02%	(3.5)	0.11%
Christensen Financial Inc	0.02%	(3.5)	0.11%
SunTrust Bank	0.02%	(3.5)	0.22%
R P Funding	0.02%	(3.5)	0.11%
Nationwide Mortgage Bankers	0.02%	(3.5)	0.22%
Hamilton Group Funding	0.02%	(3.5)	0.33%
Bank of England AR	0.03%	(3.5)	0.33%
Fifth Third Bank	0.03%	(3.5)	0.22%
Primary Residential Mortgage Inc	0.03%	(3.5)	1.21%
OneTrust Home Loans	0.03%	(3.5)	0.22%
New American Funding	0.03%	(3.5)	1.54%
Success Mortgage Partners	0.04%	(3.5)	0.44%
Hometown Lenders	0.04%	(3.5)	0.11%
Mortgage Solutions Financial	0.04%	(3.5)	0.22%
Carrington Mortgage Services	0.05%	(3.5)	6.38%
Freedom Mortgage Corporation	0.05%	(3.5)	4.40%
Waterstone Mortgage Corporation	0.05%	(3.5)	0.22%
loanDepot	0.06%	(3.0)	2.97%
Nations Lending Corporation	0.06%	(3.0)	0.55%
Cardinal Financial Company	0.07%	(3.0)	1.21%
Amerifirst Home Mortgage	0.08%	(3.0)	0.33%
HomeBridge Financial Services	0.14%	(3.0)	1.65%
Mr. Cooper	0.17%	(2.5)	7.81%
The Mortgage Firm	0.21%	(2.5)	4.62%

Lender Name	Rate Difference	Rate Rating	Market Share
JPMorgan Chase Bank	-0.02%	(3.5)	7.14%
USAA	-0.01%	(3.5)	3.57%
Truist Bank	-0.01%	(3.5)	10.71%
Regions Bank	-0.01%	(3.5)	7.14%
MidFlorida Credit Union	-0.01%	(3.5)	7.14%
SunTrust Bank	-0.01%	(3.5)	14.29%
Wells Fargo Bank	-0.01%	(3.5)	7.14%
Bank of America	-0.00%	(3.5)	7.14%
Movement Mortgage	0.01%	(3.5)	3.57%
The Mortgage Firm	0.01%	(3.5)	3.57%
US Bank	0.01%	(3.5)	3.57%
Embrace Home Loans	0.01%	(3.5)	3.57%
CenterState Bank	0.01%	(3.5)	3.57%
Flagstar Bank	0.02%	(3.5)	3.57%
Fifth Third Bank	0.02%	(3.5)	10.71%
Caliber Home Loans	0.03%	(3.5)	3.57%

Lender Name	Rate Difference	Rate Rating	Market Share
JPMorgan Chase Bank	-0.02%	(3.5)	8.70%
USAA	-0.01%	(3.5)	4.35%
Truist Bank	-0.01%	(3.5)	13.04%
Regions Bank	-0.01%	(3.5)	8.70%
SunTrust Bank	-0.01%	(3.5)	17.39%
Wells Fargo Bank	-0.01%	(3.5)	8.70%
Bank of America	-0.00%	(3.5)	4.35%
Movement Mortgage	0.01%	(3.5)	4.35%
The Mortgage Firm	0.01%	(3.5)	4.35%
US Bank	0.01%	(3.5)	4.35%
Embrace Home Loans	0.01%	(3.5)	4.35%
CenterState Bank	0.01%	(3.5)	4.35%
Caliber Home Loans	0.03%	(3.5)	4.35%
Fifth Third Bank	0.03%	(3.5)	8.70%

Lender Name	Rate Difference	Rate Rating	Market Share
Fifth Third Bank	-0.01%	(3.5)	20.00%
MidFlorida Credit Union	-0.01%	(3.5)	40.00%
Bank of America	0.00%	(3.5)	20.00%
Flagstar Bank	0.02%	(3.5)	20.00%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.28%	(5.0)	5.28%
DHI Mortgage Company Limited	-0.24%	(4.5)	4.46%
USAA	-0.11%	(4.0)	6.60%
Caliber Home Loans	-0.10%	(4.0)	5.22%
Village Capital	-0.10%	(4.0)	0.94%
Lakeview Loan Servicing	-0.10%	(4.0)	1.32%
Wells Fargo Bank	-0.07%	(4.0)	0.88%
HomeAmerican Mortgage Corporation	-0.06%	(4.0)	0.75%
PennyMac Loan Services	-0.05%	(4.0)	2.89%
Home Point Financial Corporation	-0.05%	(3.5)	1.95%
PrimeLending	-0.04%	(3.5)	0.94%
Truist Bank	-0.03%	(3.5)	0.31%
CenterState Bank	-0.03%	(3.5)	0.31%
Park Square Home Mortgage LLC	-0.03%	(3.5)	0.50%
Crescent Mortgage Company	-0.03%	(3.5)	0.31%
Bank of America	-0.02%	(3.5)	0.06%
Guild Mortgage Company	-0.02%	(3.5)	0.50%
Keller Mortgage	-0.01%	(3.5)	0.25%
Guaranteed Rate Affinity	-0.01%	(3.5)	0.25%
NVR Mortgage Finance Inc	-0.01%	(3.5)	0.06%
Mortgage Equity Partners	-0.00%	(3.5)	0.38%
Stearns Home Loans	-0.00%	(3.5)	0.69%
Land Home Financial Services	-0.00%	(3.5)	0.13%
SunTrust Bank	-0.00%	(3.5)	0.57%
JPMorgan Chase Bank	0.00%	(3.5)	0.06%
Fairway Independent Mortgage Corporation	0.00%	(3.5)	2.58%
PNC Bank	0.00%	(3.5)	0.19%
Regions Bank	0.01%	(3.5)	0.44%
Movement Mortgage	0.01%	(3.5)	1.07%
Fifth Third Bank	0.01%	(3.5)	0.19%
HomeBridge Financial Services	0.01%	(3.5)	1.57%
Royal United Mortgage	0.01%	(3.5)	0.06%
Bank of England AR	0.01%	(3.5)	0.13%
Christensen Financial Inc	0.01%	(3.5)	0.06%
Bay Equity Home Loans	0.01%	(3.5)	0.19%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.38%
Atlantic Bay Mortgage Group	0.02%	(3.5)	0.57%
New American Funding	0.02%	(3.5)	0.63%
Embrace Home Loans	0.02%	(3.5)	1.07%
NewRez	0.02%	(3.5)	1.01%
Mortgage Solutions Financial	0.02%	(3.5)	0.88%
Hamilton Group Funding	0.02%	(3.5)	0.25%
CMG Financial	0.02%	(3.5)	0.25%
The Mortgage Firm	0.03%	(3.5)	0.25%
Supreme Lending	0.03%	(3.5)	0.69%
Taylor Morrison Home Funding	0.03%	(3.5)	1.26%
Guaranteed Rate	0.03%	(3.5)	1.19%
Cardinal Financial Company	0.03%	(3.5)	0.44%
loanDepot	0.03%	(3.5)	5.72%
Success Mortgage Partners	0.04%	(3.5)	0.82%
FBC Mortgage	0.04%	(3.5)	3.71%
Flagstar Bank	0.04%	(3.5)	2.26%
Synergy One Lending	0.05%	(3.5)	0.69%
Hometown Lenders	0.05%	(3.5)	0.19%
Waterstone Mortgage Corporation	0.05%	(3.0)	0.57%
Pulte Mortgage LLC	0.05%	(3.0)	0.75%
R P Funding	0.05%	(3.0)	0.94%
PRMG Mortgage	0.06%	(3.0)	0.94%
Freedom Mortgage Corporation	0.06%	(3.0)	5.15%
Amerifirst Home Mortgage	0.06%	(3.0)	1.01%
KBHS Home Loans	0.07%	(3.0)	0.63%
Carrington Mortgage Services	0.07%	(3.0)	2.51%
Mr. Cooper	0.07%	(3.0)	2.01%
Primary Residential Mortgage Inc	0.07%	(3.0)	1.89%
The Federal Savings Bank	0.08%	(3.0)	2.51%
Nations Lending Corporation	0.08%	(3.0)	0.63%
Geneva Financial Home Loans	0.10%	(3.0)	0.88%
Quicken Loans	0.11%	(3.0)	10.62%
Equity Prime Mortgage	0.12%	(3.0)	0.94%
OneTrust Home Loans	0.15%	(2.5)	0.75%
NewDay USA	0.33%	(2.0)	2.89%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.30%	(5.0)	7.57%
DHI Mortgage Company Limited	-0.21%	(4.5)	7.79%
USAA	-0.08%	(4.0)	7.90%
Wells Fargo Bank	-0.06%	(4.0)	1.32%
Caliber Home Loans	-0.03%	(3.5)	5.16%
Freedom Mortgage Corporation	-0.03%	(3.5)	4.28%
HomeAmerican Mortgage Corporation	-0.03%	(3.5)	1.32%
PrimeLending	-0.02%	(3.5)	1.43%
Truist Bank	-0.02%	(3.5)	0.44%
Crescent Mortgage Company	-0.01%	(3.5)	0.33%
CenterState Bank	-0.01%	(3.5)	0.55%
Park Square Home Mortgage LLC	-0.01%	(3.5)	0.88%
Guild Mortgage Company	0.00%	(3.5)	0.66%
PennyMac Loan Services	0.00%	(3.5)	0.77%
Bank of America	0.01%	(3.5)	0.11%
Keller Mortgage	0.01%	(3.5)	0.44%
Guaranteed Rate Affinity	0.01%	(3.5)	0.44%
NVR Mortgage Finance Inc	0.02%	(3.5)	0.11%
SunTrust Bank	0.02%	(3.5)	0.66%
Lakeview Loan Servicing	0.02%	(3.5)	0.11%
PNC Bank	0.02%	(3.5)	0.22%
HomeBridge Financial Services	0.02%	(3.5)	1.76%
Stearns Home Loans	0.03%	(3.5)	0.99%
Regions Bank	0.03%	(3.5)	0.66%
Fifth Third Bank	0.03%	(3.5)	0.33%
Movement Mortgage	0.03%	(3.5)	1.54%
Amerisave Mortgage Corporation	0.03%	(3.5)	0.22%
Christensen Financial Inc	0.04%	(3.5)	0.11%
Bay Equity Home Loans	0.04%	(3.5)	0.33%
R P Funding	0.04%	(3.5)	0.11%
Atlantic Bay Mortgage Group	0.04%	(3.5)	0.99%
Nations Lending Corporation	0.04%	(3.5)	0.33%
New American Funding	0.04%	(3.5)	0.77%
Mortgage Equity Partners	0.04%	(3.5)	0.33%
Fairway Independent Mortgage Corporation	0.05%	(3.5)	3.29%
Hamilton Group Funding	0.05%	(3.5)	0.44%
The Mortgage Firm	0.05%	(3.0)	0.44%
NewRez	0.05%	(3.0)	1.21%
Taylor Morrison Home Funding	0.05%	(3.0)	2.20%
Home Point Financial Corporation	0.06%	(3.0)	1.54%
Supreme Lending	0.06%	(3.0)	0.99%
CMG Financial	0.06%	(3.0)	0.33%
Success Mortgage Partners	0.06%	(3.0)	1.43%
Embrace Home Loans	0.06%	(3.0)	1.32%
Cardinal Financial Company	0.07%	(3.0)	0.44%
FBC Mortgage	0.07%	(3.0)	5.49%
Mr. Cooper	0.07%	(3.0)	1.87%
NewDay USA	0.07%	(3.0)	0.55%
Hometown Lenders	0.07%	(3.0)	0.33%
Waterstone Mortgage Corporation	0.08%	(3.0)	0.99%
Pulte Mortgage LLC	0.08%	(3.0)	1.32%
Guaranteed Rate	0.08%	(3.0)	1.10%
Mortgage Solutions Financial	0.09%	(3.0)	0.55%
KBHS Home Loans	0.09%	(3.0)	1.10%
Synergy One Lending	0.09%	(3.0)	0.66%
Amerifirst Home Mortgage	0.09%	(3.0)	1.65%
Primary Residential Mortgage Inc	0.11%	(3.0)	2.85%
PRMG Mortgage	0.11%	(3.0)	1.21%
Quicken Loans	0.12%	(3.0)	5.27%
Flagstar Bank	0.13%	(3.0)	2.41%
Geneva Financial Home Loans	0.13%	(3.0)	1.43%
Equity Prime Mortgage	0.14%	(3.0)	1.65%
Carrington Mortgage Services	0.16%	(2.5)	0.66%
OneTrust Home Loans	0.18%	(2.5)	1.32%
loanDepot	0.18%	(2.5)	3.07%

Lender Name	Rate Difference	Rate Rating	Market Share
Caliber Home Loans	-0.19%	(4.5)	5.29%
USAA	-0.15%	(4.5)	4.85%
Home Point Financial Corporation	-0.15%	(4.0)	2.50%
Lakeview Loan Servicing	-0.13%	(4.0)	2.94%
Village Capital	-0.13%	(4.0)	2.21%
Navy Federal Credit Union	-0.12%	(4.0)	2.21%
Fairway Independent Mortgage Corporation	-0.09%	(4.0)	1.62%
PennyMac Loan Services	-0.09%	(4.0)	5.74%
Flagstar Bank	-0.08%	(4.0)	2.06%
Stearns Home Loans	-0.06%	(4.0)	0.29%
Mortgage Equity Partners	-0.06%	(4.0)	0.44%
PRMG Mortgage	-0.06%	(4.0)	0.59%
loanDepot	-0.05%	(4.0)	9.26%
Embrace Home Loans	-0.05%	(4.0)	0.74%
Crescent Mortgage Company	-0.05%	(3.5)	0.29%
Guild Mortgage Company	-0.04%	(3.5)	0.29%
CMG Financial	-0.04%	(3.5)	0.15%
Truist Bank	-0.04%	(3.5)	0.15%
Mortgage Solutions Financial	-0.03%	(3.5)	1.32%
Land Home Financial Services	-0.03%	(3.5)	0.29%
Supreme Lending	-0.03%	(3.5)	0.29%
Movement Mortgage	-0.03%	(3.5)	0.44%
JPMorgan Chase Bank	-0.03%	(3.5)	0.15%
Guaranteed Rate	-0.03%	(3.5)	1.32%
Geneva Financial Home Loans	-0.03%	(3.5)	0.15%
Primary Residential Mortgage Inc	-0.03%	(3.5)	0.59%
NewRez	-0.03%	(3.5)	0.74%
Royal United Mortgage	-0.02%	(3.5)	0.15%
New American Funding	-0.02%	(3.5)	0.44%
Regions Bank	-0.02%	(3.5)	0.15%
Bank of England AR	-0.02%	(3.5)	0.29%
Amerifirst Home Mortgage	-0.02%	(3.5)	0.15%
SunTrust Bank	-0.02%	(3.5)	0.44%
Cardinal Financial Company	-0.02%	(3.5)	0.44%
Amerisave Mortgage Corporation	-0.02%	(3.5)	0.59%
PNC Bank	-0.02%	(3.5)	0.15%
FBC Mortgage	-0.01%	(3.5)	1.32%
Synergy One Lending	-0.01%	(3.5)	0.74%
PrimeLending	-0.01%	(3.5)	0.29%
HomeBridge Financial Services	-0.01%	(3.5)	1.32%
Wells Fargo Bank	-0.00%	(3.5)	0.29%
R P Funding	0.02%	(3.5)	2.06%
Carrington Mortgage Services	0.02%	(3.5)	5.00%
The Federal Savings Bank	0.04%	(3.5)	5.88%
Mr. Cooper	0.07%	(3.0)	2.21%
Quicken Loans	0.08%	(3.0)	17.79%
Nations Lending Corporation	0.08%	(3.0)	1.03%
Freedom Mortgage Corporation	0.13%	(3.0)	6.32%
NewDay USA	0.33%	(2.0)	6.03%

* Data is compiled for the Lakeland, FL commuting zone area, which comprises of counties of Hardee County, FL, Highlands County, FL, and Polk County, FL. This includes cities/towns/communities of Lakeland, FL as well as Haines City, FL, Winter Haven, FL, Poinciana, FL, Davenport, FL, Sebring, FL, Bartow, FL, Auburndale, FL, Four Corners, FL, Loughman, FL, Highland City, FL, Lake Hamilton, FL, Kathleen, FL, Lake Wales, FL, Eagle Lake, FL, Lake Alfred, FL, Cypress Gardens, FL, Lake Placid, FL, Fuller Heights, FL, Avon Park, FL, Medulla, FL, Lakeland Highlands, FL, Jan Phyl Village, FL, Willow Oak, FL, Grenelefe, FL, Crystal Lake, FL, Combee Settlement, FL, Ona, FL, Polk City, FL, Wahneta, FL, Fort Meade, FL, Frostproof, FL, Hillcrest Heights, FL, Dundee, FL, Babson Park, FL, Fussels Corner, FL, Inwood, FL, Crooked Lake Park, FL, Zolfo Springs, FL, Alturas, FL, Lemon Grove, FL, Bradley Junction, FL, Fort Green Springs, FL, and Bowling Green, FL. 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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