Top Mortgage Lenders in Jacksonville, FL

Which mortgage lender in the Jacksonville, 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 Jacksonville, 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 Jacksonville, FL area in terms of interest rate is Community First Credit Union of Florida, with an average “Rate Difference” of -0.62%. This means that, comparing similar borrowers, Community First Credit Union of Florida provided a -0.62% lower interest rate for its customers than other lenders in the area. Community First Credit Union of Florida has a market share of 2.4%. On the other hand, the most popular lender in the Jacksonville, FL area is Quicken Loans, with a larger market share of 8.7%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.13% compared to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed ranking of mortgage lenders in the Jacksonville, 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 Jacksonville, FL is Community First Credit Union of Florida. 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 Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is HomeAmerican Mortgage Corporation. 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 Jacksonville, FL

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
Community First Credit Union of Florida	-0.62%	(5.0)	2.37%
US Bank	-0.20%	(4.5)	1.52%
DHI Mortgage Company Limited	-0.17%	(4.5)	3.57%
Bank of America	-0.16%	(4.5)	2.08%
Provident Funding	-0.14%	(4.0)	0.36%
JPMorgan Chase Bank	-0.13%	(4.0)	1.74%
Ameris Bank	-0.12%	(4.0)	1.77%
Caliber Home Loans	-0.11%	(4.0)	2.09%
Prosperity Home Mortgage LLC	-0.10%	(4.0)	0.90%
HomeAmerican Mortgage Corporation	-0.10%	(4.0)	0.54%
VyStar Credit Union	-0.10%	(4.0)	6.76%
TBI Mortgage Company	-0.08%	(4.0)	0.28%
Village Capital	-0.08%	(4.0)	0.16%
CenterState Bank	-0.08%	(4.0)	0.49%
emmloans	-0.08%	(4.0)	0.33%
Amerisave Mortgage Corporation	-0.08%	(4.0)	0.39%
Navy Federal Credit Union	-0.08%	(4.0)	5.73%
Capital City Home Loans	-0.08%	(4.0)	0.50%
NBKC Bank	-0.07%	(4.0)	0.43%
Guaranteed Rate	-0.07%	(4.0)	0.68%
Home Point Financial Corporation	-0.06%	(4.0)	0.59%
PennyMac Loan Services	-0.06%	(4.0)	1.05%
PNC Bank	-0.06%	(4.0)	0.22%
Lakeview Loan Servicing	-0.06%	(4.0)	0.81%
SunTrust Bank	-0.06%	(4.0)	1.02%
Equity Resources	-0.05%	(4.0)	0.09%
Plaza Home Mortgage	-0.05%	(4.0)	0.85%
Gateway First Bank	-0.05%	(3.5)	0.53%
Keller Mortgage	-0.05%	(3.5)	0.12%
Synovus Bank	-0.05%	(3.5)	0.17%
Guaranty Home Mortgage Corporation	-0.04%	(3.5)	0.25%
Citibank	-0.04%	(3.5)	0.14%
North American Savings Bank	-0.04%	(3.5)	0.17%
Cardinal Financial Company	-0.03%	(3.5)	0.97%
Pulte Mortgage LLC	-0.03%	(3.5)	0.63%
Truist Bank	-0.03%	(3.5)	0.68%
JAX Federal Credit Union	-0.03%	(3.5)	0.90%
Regions Bank	-0.03%	(3.5)	1.14%
FirstBank TN	-0.02%	(3.5)	0.10%
Wells Fargo Bank	-0.02%	(3.5)	2.57%
USAA	-0.02%	(3.5)	1.63%
Florida Capital Bank	-0.02%	(3.5)	0.22%
First Equity Mortgage	-0.02%	(3.5)	0.09%
First Federal Bank of Florida	-0.01%	(3.5)	1.09%
Fifth Third Bank	-0.01%	(3.5)	0.30%
Towne Mortgage Company	-0.01%	(3.5)	0.16%
SWBC Mortgage	-0.01%	(3.5)	1.36%
Network Funding	-0.01%	(3.5)	0.20%
Wyndham Capital Mortgage	-0.00%	(3.5)	0.14%
Success Mortgage Partners	-0.00%	(3.5)	0.24%
Taylor Morrison Home Funding	-0.00%	(3.5)	0.17%
RoundPoint Mortgage Servicing Corporation	0.00%	(3.5)	0.17%
Hancock Whitney Bank	0.01%	(3.5)	0.38%
TD Bank	0.01%	(3.5)	0.17%
Magnolia Bank	0.02%	(3.5)	0.15%
Stockton Mortgage	0.02%	(3.5)	0.19%
IBERIABANK	0.02%	(3.5)	0.15%
New American Funding	0.02%	(3.5)	0.27%
Movement Mortgage	0.03%	(3.5)	1.80%
ALCOVA Mortgage	0.03%	(3.5)	0.09%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	1.89%
Fair Way Lending	0.03%	(3.5)	0.15%
VanDyk Mortgage Corporation	0.03%	(3.5)	0.14%
loanDepot	0.04%	(3.5)	2.24%
The Mortgage Firm	0.04%	(3.5)	0.13%
Contour Mortgage Corporation	0.04%	(3.5)	0.14%
HomeBridge Financial Services	0.04%	(3.5)	0.74%
Cornerstone Home Lending	0.04%	(3.5)	0.11%
Freedom Mortgage Corporation	0.05%	(3.5)	0.88%
Liberty Savings Bank	0.05%	(3.5)	0.13%
NewRez	0.05%	(3.5)	0.51%
GSF Mortgage Corporation	0.05%	(3.5)	0.12%
Union Home Mortgage	0.05%	(3.5)	0.73%
TIAA Bank	0.06%	(3.0)	1.13%
Embrace Home Loans	0.06%	(3.0)	0.14%
Stearns Home Loans	0.06%	(3.0)	0.35%
Bank of England AR	0.06%	(3.0)	3.77%
Planet Home Lending	0.06%	(3.0)	0.14%
BBVA	0.06%	(3.0)	0.43%
KBHS Home Loans	0.07%	(3.0)	1.66%
Carrington Mortgage Services	0.08%	(3.0)	1.23%
Resource Financial Services	0.08%	(3.0)	0.65%
AnnieMac Home Mortgage	0.08%	(3.0)	0.50%
Nations Direct Mortgage	0.08%	(3.0)	0.11%
OneTrust Home Loans	0.09%	(3.0)	0.20%
FBC Mortgage	0.09%	(3.0)	0.96%
Watson Mortgage Corporation	0.09%	(3.0)	0.93%
Synergy One Lending	0.10%	(3.0)	0.21%
Renasant Bank	0.10%	(3.0)	0.35%
R P Funding	0.11%	(3.0)	0.54%
Finance of America Mortgage	0.11%	(3.0)	0.25%
HomeStar Financial	0.12%	(3.0)	0.46%
Homeowners Financial Group	0.13%	(3.0)	0.59%
Geneva Financial Home Loans	0.13%	(3.0)	0.17%
Quicken Loans	0.13%	(3.0)	8.74%
Nations Lending Corporation	0.13%	(3.0)	0.18%
Guild Mortgage Company	0.13%	(3.0)	0.36%
Primary Residential Mortgage Inc	0.14%	(3.0)	0.17%
Flagstar Bank	0.15%	(3.0)	0.65%
121 Financial Credit Union	0.15%	(2.5)	0.33%
Campus USA Credit Union	0.15%	(2.5)	0.10%
Royal United Mortgage	0.16%	(2.5)	0.10%
First Option Mortgage LLC	0.16%	(2.5)	0.30%
PrimeLending	0.17%	(2.5)	4.41%
Barrington Bank & Trust	0.18%	(2.5)	0.13%
CMG Financial	0.18%	(2.5)	0.82%
Bay Equity Home Loans	0.20%	(2.5)	0.25%
Mattamy Home Funding	0.20%	(2.5)	1.05%
PRMG Mortgage	0.21%	(2.5)	0.39%
Equity Prime Mortgage	0.21%	(2.5)	0.40%
The Federal Savings Bank	0.22%	(2.5)	0.30%
Hamilton Group Funding	0.23%	(2.5)	0.95%
Mr. Cooper	0.25%	(2.0)	1.23%
Academy Mortgage Corporation Utah	0.26%	(2.0)	1.37%
NewDay USA	0.56%	(1.0)	0.38%

Lender Name	Rate Difference	Rate Rating	Market Share
Community First Credit Union of Florida	-0.45%	(5.0)	1.10%
US Bank	-0.23%	(4.5)	1.84%
Bank of America	-0.19%	(4.5)	2.13%
JPMorgan Chase Bank	-0.19%	(4.5)	1.64%
DHI Mortgage Company Limited	-0.17%	(4.5)	5.31%
JAX Federal Credit Union	-0.16%	(4.5)	0.42%
Ameris Bank	-0.13%	(4.0)	1.99%
Regions Bank	-0.13%	(4.0)	1.19%
Wells Fargo Bank	-0.12%	(4.0)	2.52%
emmloans	-0.10%	(4.0)	0.37%
Prosperity Home Mortgage LLC	-0.10%	(4.0)	1.28%
Caliber Home Loans	-0.10%	(4.0)	1.96%
HomeAmerican Mortgage Corporation	-0.10%	(4.0)	0.81%
NBKC Bank	-0.09%	(4.0)	0.52%
Provident Funding	-0.09%	(4.0)	0.20%
SunTrust Bank	-0.09%	(4.0)	1.10%
VyStar Credit Union	-0.09%	(4.0)	3.85%
PennyMac Loan Services	-0.08%	(4.0)	0.29%
TBI Mortgage Company	-0.08%	(4.0)	0.42%
Capital City Home Loans	-0.08%	(4.0)	0.64%
Navy Federal Credit Union	-0.08%	(4.0)	7.01%
Guaranteed Rate	-0.08%	(4.0)	0.85%
PNC Bank	-0.08%	(4.0)	0.18%
CenterState Bank	-0.07%	(4.0)	0.54%
Equity Resources	-0.07%	(4.0)	0.11%
North American Savings Bank	-0.07%	(4.0)	0.13%
Gateway First Bank	-0.06%	(4.0)	0.67%
Keller Mortgage	-0.06%	(4.0)	0.12%
Synovus Bank	-0.06%	(4.0)	0.21%
Freedom Mortgage Corporation	-0.05%	(4.0)	0.63%
Guaranty Home Mortgage Corporation	-0.05%	(4.0)	0.32%
Truist Bank	-0.05%	(3.5)	0.72%
Cardinal Financial Company	-0.05%	(3.5)	1.07%
Citibank	-0.04%	(3.5)	0.14%
Fifth Third Bank	-0.04%	(3.5)	0.23%
Florida Capital Bank	-0.04%	(3.5)	0.16%
Home Point Financial Corporation	-0.04%	(3.5)	0.44%
Plaza Home Mortgage	-0.04%	(3.5)	0.99%
First Federal Bank of Florida	-0.03%	(3.5)	0.77%
Pulte Mortgage LLC	-0.03%	(3.5)	0.94%
Towne Mortgage Company	-0.03%	(3.5)	0.17%
First Equity Mortgage	-0.02%	(3.5)	0.14%
Lakeview Loan Servicing	-0.01%	(3.5)	0.30%
Wyndham Capital Mortgage	-0.01%	(3.5)	0.06%
Network Funding	-0.01%	(3.5)	0.28%
FirstBank TN	-0.01%	(3.5)	0.08%
TD Bank	-0.01%	(3.5)	0.16%
BBVA	-0.01%	(3.5)	0.37%
Taylor Morrison Home Funding	-0.00%	(3.5)	0.26%
Success Mortgage Partners	0.00%	(3.5)	0.31%
SWBC Mortgage	0.00%	(3.5)	1.79%
Stockton Mortgage	0.00%	(3.5)	0.22%
Hancock Whitney Bank	0.01%	(3.5)	0.44%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.08%
IBERIABANK	0.01%	(3.5)	0.17%
USAA	0.01%	(3.5)	1.70%
Magnolia Bank	0.02%	(3.5)	0.09%
The Federal Savings Bank	0.02%	(3.5)	0.04%
RoundPoint Mortgage Servicing Corporation	0.02%	(3.5)	0.00%
Movement Mortgage	0.03%	(3.5)	2.49%
Quicken Loans	0.03%	(3.5)	4.65%
New American Funding	0.03%	(3.5)	0.30%
Fair Way Lending	0.03%	(3.5)	0.22%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	2.53%
NewRez	0.04%	(3.5)	0.33%
ALCOVA Mortgage	0.04%	(3.5)	0.11%
The Mortgage Firm	0.04%	(3.5)	0.15%
Resource Financial Services	0.04%	(3.5)	0.79%
VanDyk Mortgage Corporation	0.05%	(3.5)	0.16%
121 Financial Credit Union	0.05%	(3.5)	0.16%
Cornerstone Home Lending	0.05%	(3.5)	0.15%
Liberty Savings Bank	0.05%	(3.0)	0.15%
HomeBridge Financial Services	0.05%	(3.0)	0.76%
R P Funding	0.05%	(3.0)	0.15%
Union Home Mortgage	0.05%	(3.0)	0.89%
Nations Lending Corporation	0.05%	(3.0)	0.07%
Contour Mortgage Corporation	0.06%	(3.0)	0.14%
GSF Mortgage Corporation	0.06%	(3.0)	0.15%
Embrace Home Loans	0.06%	(3.0)	0.08%
Stearns Home Loans	0.07%	(3.0)	0.44%
Bank of England AR	0.07%	(3.0)	4.93%
Synergy One Lending	0.07%	(3.0)	0.07%
KBHS Home Loans	0.07%	(3.0)	2.46%
Campus USA Credit Union	0.08%	(3.0)	0.06%
TIAA Bank	0.08%	(3.0)	1.34%
OneTrust Home Loans	0.09%	(3.0)	0.30%
Nations Direct Mortgage	0.09%	(3.0)	0.13%
Watson Mortgage Corporation	0.10%	(3.0)	1.31%
AnnieMac Home Mortgage	0.10%	(3.0)	0.53%
FBC Mortgage	0.11%	(3.0)	1.22%
NewDay USA	0.11%	(3.0)	0.06%
Renasant Bank	0.11%	(3.0)	0.44%
Carrington Mortgage Services	0.12%	(3.0)	0.53%
HomeStar Financial	0.12%	(3.0)	0.62%
Homeowners Financial Group	0.13%	(3.0)	0.87%
Planet Home Lending	0.13%	(3.0)	0.09%
Geneva Financial Home Loans	0.13%	(3.0)	0.25%
Finance of America Mortgage	0.14%	(3.0)	0.29%
Primary Residential Mortgage Inc	0.15%	(3.0)	0.18%
Mr. Cooper	0.15%	(2.5)	0.58%
Guild Mortgage Company	0.16%	(2.5)	0.46%
loanDepot	0.17%	(2.5)	1.50%
PrimeLending	0.18%	(2.5)	6.06%
First Option Mortgage LLC	0.18%	(2.5)	0.38%
CMG Financial	0.19%	(2.5)	1.13%
Royal United Mortgage	0.19%	(2.5)	0.05%
Barrington Bank & Trust	0.19%	(2.5)	0.18%
Mattamy Home Funding	0.20%	(2.5)	1.56%
Bay Equity Home Loans	0.22%	(2.5)	0.32%
Equity Prime Mortgage	0.22%	(2.5)	0.56%
Flagstar Bank	0.22%	(2.5)	0.63%
PRMG Mortgage	0.24%	(2.5)	0.48%
Academy Mortgage Corporation Utah	0.27%	(2.0)	1.93%
Hamilton Group Funding	0.28%	(2.0)	1.20%

Lender Name	Rate Difference	Rate Rating	Market Share
Community First Credit Union of Florida	-0.70%	(5.0)	4.97%
Provident Funding	-0.16%	(4.5)	0.69%
Caliber Home Loans	-0.13%	(4.0)	2.37%
SWBC Mortgage	-0.13%	(4.0)	0.48%
VyStar Credit Union	-0.10%	(4.0)	12.71%
Plaza Home Mortgage	-0.10%	(4.0)	0.58%
CenterState Bank	-0.10%	(4.0)	0.39%
Ameris Bank	-0.10%	(4.0)	1.33%
Amerisave Mortgage Corporation	-0.09%	(4.0)	1.03%
Prosperity Home Mortgage LLC	-0.09%	(4.0)	0.13%
Home Point Financial Corporation	-0.09%	(4.0)	0.92%
USAA	-0.09%	(4.0)	1.49%
Village Capital	-0.08%	(4.0)	0.48%
Bank of America	-0.08%	(4.0)	1.97%
Lakeview Loan Servicing	-0.08%	(4.0)	1.87%
Navy Federal Credit Union	-0.07%	(4.0)	3.11%
loanDepot	-0.07%	(4.0)	3.76%
TIAA Bank	-0.06%	(4.0)	0.68%
Capital City Home Loans	-0.06%	(4.0)	0.22%
PennyMac Loan Services	-0.06%	(4.0)	2.60%
US Bank	-0.06%	(4.0)	0.86%
PNC Bank	-0.04%	(3.5)	0.29%
Watson Mortgage Corporation	-0.04%	(3.5)	0.17%
Citibank	-0.03%	(3.5)	0.15%
Guaranteed Rate	-0.03%	(3.5)	0.34%
FirstBank TN	-0.03%	(3.5)	0.14%
JPMorgan Chase Bank	-0.03%	(3.5)	1.95%
Keller Mortgage	-0.02%	(3.5)	0.11%
VanDyk Mortgage Corporation	-0.02%	(3.5)	0.09%
Success Mortgage Partners	-0.02%	(3.5)	0.10%
Equity Resources	-0.01%	(3.5)	0.06%
Synovus Bank	-0.01%	(3.5)	0.10%
Hamilton Group Funding	-0.01%	(3.5)	0.45%
Movement Mortgage	-0.01%	(3.5)	0.37%
Guild Mortgage Company	-0.01%	(3.5)	0.16%
Bank of England AR	-0.00%	(3.5)	1.38%
Network Funding	-0.00%	(3.5)	0.05%
emmloans	-0.00%	(3.5)	0.24%
ALCOVA Mortgage	-0.00%	(3.5)	0.06%
North American Savings Bank	-0.00%	(3.5)	0.24%
NBKC Bank	0.00%	(3.5)	0.25%
Hancock Whitney Bank	0.00%	(3.5)	0.23%
Homeowners Financial Group	0.00%	(3.5)	0.04%
RoundPoint Mortgage Servicing Corporation	0.00%	(3.5)	0.52%
Wyndham Capital Mortgage	0.00%	(3.5)	0.32%
New American Funding	0.00%	(3.5)	0.22%
Flagstar Bank	0.00%	(3.5)	0.68%
First Federal Bank of Florida	0.00%	(3.5)	1.75%
Finance of America Mortgage	0.01%	(3.5)	0.18%
Truist Bank	0.01%	(3.5)	0.60%
Cardinal Financial Company	0.01%	(3.5)	0.77%
Cornerstone Home Lending	0.01%	(3.5)	0.04%
FBC Mortgage	0.01%	(3.5)	0.43%
Florida Capital Bank	0.01%	(3.5)	0.32%
GSF Mortgage Corporation	0.01%	(3.5)	0.06%
First Equity Mortgage	0.01%	(3.5)	0.01%
Guaranty Home Mortgage Corporation	0.01%	(3.5)	0.10%
OneTrust Home Loans	0.01%	(3.5)	0.01%
Barrington Bank & Trust	0.01%	(3.5)	0.04%
Fair Way Lending	0.02%	(3.5)	0.02%
Fifth Third Bank	0.02%	(3.5)	0.42%
Planet Home Lending	0.02%	(3.5)	0.26%
Magnolia Bank	0.02%	(3.5)	0.28%
Fairway Independent Mortgage Corporation	0.02%	(3.5)	0.59%
Contour Mortgage Corporation	0.02%	(3.5)	0.14%
DHI Mortgage Company Limited	0.02%	(3.5)	0.01%
Bay Equity Home Loans	0.02%	(3.5)	0.09%
Equity Prime Mortgage	0.02%	(3.5)	0.06%
HomeBridge Financial Services	0.02%	(3.5)	0.71%
SunTrust Bank	0.02%	(3.5)	0.87%
Geneva Financial Home Loans	0.02%	(3.5)	0.01%
Gateway First Bank	0.02%	(3.5)	0.23%
KBHS Home Loans	0.02%	(3.5)	0.01%
Stearns Home Loans	0.03%	(3.5)	0.18%
AnnieMac Home Mortgage	0.03%	(3.5)	0.43%
Union Home Mortgage	0.03%	(3.5)	0.41%
Towne Mortgage Company	0.03%	(3.5)	0.14%
JAX Federal Credit Union	0.03%	(3.5)	1.87%
Nations Direct Mortgage	0.03%	(3.5)	0.05%
Liberty Savings Bank	0.03%	(3.5)	0.10%
TD Bank	0.03%	(3.5)	0.21%
PRMG Mortgage	0.04%	(3.5)	0.21%
First Option Mortgage LLC	0.04%	(3.5)	0.13%
IBERIABANK	0.04%	(3.5)	0.12%
Renasant Bank	0.04%	(3.5)	0.17%
The Mortgage Firm	0.04%	(3.5)	0.10%
Stockton Mortgage	0.05%	(3.0)	0.13%
Embrace Home Loans	0.06%	(3.0)	0.27%
NewRez	0.06%	(3.0)	0.89%
HomeStar Financial	0.06%	(3.0)	0.14%
Carrington Mortgage Services	0.06%	(3.0)	2.66%
Academy Mortgage Corporation Utah	0.06%	(3.0)	0.23%
CMG Financial	0.07%	(3.0)	0.18%
PrimeLending	0.09%	(3.0)	1.03%
Primary Residential Mortgage Inc	0.10%	(3.0)	0.13%
Synergy One Lending	0.11%	(3.0)	0.48%
R P Funding	0.13%	(3.0)	1.34%
Freedom Mortgage Corporation	0.14%	(3.0)	1.38%
Royal United Mortgage	0.14%	(3.0)	0.20%
Nations Lending Corporation	0.16%	(2.5)	0.41%
BBVA	0.16%	(2.5)	0.55%
Wells Fargo Bank	0.17%	(2.5)	2.66%
Quicken Loans	0.19%	(2.5)	17.11%
Campus USA Credit Union	0.20%	(2.5)	0.19%
121 Financial Credit Union	0.21%	(2.5)	0.66%
Regions Bank	0.21%	(2.5)	1.05%
Resource Financial Services	0.22%	(2.5)	0.38%
The Federal Savings Bank	0.24%	(2.5)	0.84%
Mr. Cooper	0.30%	(2.0)	2.56%
NewDay USA	0.61%	(1.0)	1.05%

Lender Name	Rate Difference	Rate Rating	Market Share
Community First Credit Union of Florida	-0.63%	(5.0)	3.94%
US Bank	-0.24%	(4.5)	1.85%
DHI Mortgage Company Limited	-0.18%	(4.5)	2.30%
Bank of America	-0.17%	(4.5)	3.00%
JPMorgan Chase Bank	-0.15%	(4.0)	2.63%
Provident Funding	-0.14%	(4.0)	0.58%
Ameris Bank	-0.14%	(4.0)	2.22%
TBI Mortgage Company	-0.13%	(4.0)	0.34%
Amerisave Mortgage Corporation	-0.11%	(4.0)	0.47%
Prosperity Home Mortgage LLC	-0.10%	(4.0)	1.10%
VyStar Credit Union	-0.10%	(4.0)	11.05%
Gateway First Bank	-0.09%	(4.0)	0.54%
emmloans	-0.08%	(4.0)	0.43%
Capital City Home Loans	-0.08%	(4.0)	0.73%
SunTrust Bank	-0.08%	(4.0)	1.16%
PNC Bank	-0.08%	(4.0)	0.30%
CenterState Bank	-0.07%	(4.0)	0.67%
Synovus Bank	-0.07%	(4.0)	0.08%
SWBC Mortgage	-0.06%	(4.0)	1.46%
Guaranteed Rate	-0.06%	(4.0)	0.45%
Keller Mortgage	-0.06%	(4.0)	0.14%
Citibank	-0.05%	(3.5)	0.21%
Pulte Mortgage LLC	-0.04%	(3.5)	0.92%
First Federal Bank of Florida	-0.04%	(3.5)	1.08%
Equity Resources	-0.04%	(3.5)	0.05%
First Equity Mortgage	-0.04%	(3.5)	0.11%
Truist Bank	-0.04%	(3.5)	0.72%
Plaza Home Mortgage	-0.03%	(3.5)	0.48%
JAX Federal Credit Union	-0.03%	(3.5)	1.49%
FirstBank TN	-0.02%	(3.5)	0.14%
RoundPoint Mortgage Servicing Corporation	-0.02%	(3.5)	0.08%
Success Mortgage Partners	-0.02%	(3.5)	0.28%
Fifth Third Bank	-0.02%	(3.5)	0.35%
Wells Fargo Bank	-0.01%	(3.5)	3.79%
Florida Capital Bank	-0.01%	(3.5)	0.21%
Regions Bank	-0.01%	(3.5)	1.33%
loanDepot	-0.01%	(3.5)	1.64%
Network Funding	-0.01%	(3.5)	0.22%
Home Point Financial Corporation	-0.01%	(3.5)	0.34%
Cardinal Financial Company	-0.01%	(3.5)	0.62%
Barrington Bank & Trust	-0.01%	(3.5)	0.02%
Towne Mortgage Company	-0.01%	(3.5)	0.16%
USAA	-0.00%	(3.5)	0.59%
Taylor Morrison Home Funding	-0.00%	(3.5)	0.23%
NBKC Bank	-0.00%	(3.5)	0.21%
Guaranty Home Mortgage Corporation	0.00%	(3.5)	0.23%
Wyndham Capital Mortgage	0.00%	(3.5)	0.16%
Caliber Home Loans	0.00%	(3.5)	1.36%
TD Bank	0.01%	(3.5)	0.25%
North American Savings Bank	0.01%	(3.5)	0.07%
GSF Mortgage Corporation	0.02%	(3.5)	0.08%
HomeAmerican Mortgage Corporation	0.02%	(3.5)	0.35%
Hancock Whitney Bank	0.02%	(3.5)	0.41%
Magnolia Bank	0.02%	(3.5)	0.09%
Village Capital	0.02%	(3.5)	0.00%
IBERIABANK	0.03%	(3.5)	0.19%
ALCOVA Mortgage	0.03%	(3.5)	0.07%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	1.56%
Carrington Mortgage Services	0.03%	(3.5)	0.39%
The Federal Savings Bank	0.03%	(3.5)	0.02%
Contour Mortgage Corporation	0.03%	(3.5)	0.08%
Movement Mortgage	0.04%	(3.5)	1.81%
Lakeview Loan Servicing	0.04%	(3.5)	0.34%
KBHS Home Loans	0.04%	(3.5)	1.36%
VanDyk Mortgage Corporation	0.04%	(3.5)	0.11%
AnnieMac Home Mortgage	0.04%	(3.5)	0.36%
Cornerstone Home Lending	0.04%	(3.5)	0.13%
The Mortgage Firm	0.05%	(3.5)	0.17%
Liberty Savings Bank	0.05%	(3.0)	0.20%
TIAA Bank	0.05%	(3.0)	1.50%
Embrace Home Loans	0.06%	(3.0)	0.07%
Union Home Mortgage	0.06%	(3.0)	0.61%
Bank of England AR	0.06%	(3.0)	4.35%
PennyMac Loan Services	0.06%	(3.0)	0.56%
Stockton Mortgage	0.06%	(3.0)	0.15%
Stearns Home Loans	0.06%	(3.0)	0.24%
HomeBridge Financial Services	0.06%	(3.0)	0.65%
Synergy One Lending	0.06%	(3.0)	0.13%
Flagstar Bank	0.06%	(3.0)	0.27%
New American Funding	0.07%	(3.0)	0.20%
BBVA	0.07%	(3.0)	0.61%
Fair Way Lending	0.08%	(3.0)	0.03%
Equity Prime Mortgage	0.08%	(3.0)	0.20%
Primary Residential Mortgage Inc	0.09%	(3.0)	0.12%
FBC Mortgage	0.09%	(3.0)	0.79%
NewRez	0.09%	(3.0)	0.51%
Nations Direct Mortgage	0.09%	(3.0)	0.03%
R P Funding	0.10%	(3.0)	0.68%
Nations Lending Corporation	0.10%	(3.0)	0.08%
Finance of America Mortgage	0.10%	(3.0)	0.28%
Renasant Bank	0.11%	(3.0)	0.33%
HomeStar Financial	0.12%	(3.0)	0.58%
Planet Home Lending	0.13%	(3.0)	0.09%
Freedom Mortgage Corporation	0.13%	(3.0)	0.32%
Watson Mortgage Corporation	0.13%	(3.0)	0.85%
Resource Financial Services	0.13%	(3.0)	0.72%
OneTrust Home Loans	0.13%	(3.0)	0.12%
Guild Mortgage Company	0.13%	(3.0)	0.38%
PRMG Mortgage	0.15%	(3.0)	0.23%
Homeowners Financial Group	0.15%	(3.0)	0.33%
Campus USA Credit Union	0.15%	(2.5)	0.17%
121 Financial Credit Union	0.16%	(2.5)	0.52%
Bay Equity Home Loans	0.17%	(2.5)	0.20%
Royal United Mortgage	0.17%	(2.5)	0.14%
Geneva Financial Home Loans	0.17%	(2.5)	0.14%
Quicken Loans	0.17%	(2.5)	9.63%
First Option Mortgage LLC	0.18%	(2.5)	0.28%
PrimeLending	0.18%	(2.5)	4.56%
CMG Financial	0.19%	(2.5)	0.73%
Hamilton Group Funding	0.20%	(2.5)	0.79%
Mattamy Home Funding	0.21%	(2.5)	1.21%
Academy Mortgage Corporation Utah	0.33%	(2.0)	0.94%
Navy Federal Credit Union	0.36%	(1.5)	3.47%
Mr. Cooper	0.36%	(1.5)	0.65%

Lender Name	Rate Difference	Rate Rating	Market Share
Community First Credit Union of Florida	-0.46%	(5.0)	1.91%
US Bank	-0.29%	(5.0)	2.29%
JPMorgan Chase Bank	-0.23%	(4.5)	2.54%
Bank of America	-0.22%	(4.5)	3.18%
DHI Mortgage Company Limited	-0.19%	(4.5)	3.58%
JAX Federal Credit Union	-0.17%	(4.5)	0.73%
Regions Bank	-0.16%	(4.5)	1.31%
Ameris Bank	-0.16%	(4.5)	2.48%
SunTrust Bank	-0.14%	(4.0)	1.22%
TBI Mortgage Company	-0.14%	(4.0)	0.53%
Wells Fargo Bank	-0.13%	(4.0)	3.72%
Gateway First Bank	-0.12%	(4.0)	0.67%
emmloans	-0.12%	(4.0)	0.51%
Prosperity Home Mortgage LLC	-0.12%	(4.0)	1.60%
Provident Funding	-0.10%	(4.0)	0.32%
PNC Bank	-0.10%	(4.0)	0.26%
Capital City Home Loans	-0.10%	(4.0)	0.96%
VyStar Credit Union	-0.10%	(4.0)	6.53%
Keller Mortgage	-0.09%	(4.0)	0.13%
Synovus Bank	-0.08%	(4.0)	0.12%
Guaranteed Rate	-0.07%	(4.0)	0.53%
Truist Bank	-0.07%	(4.0)	0.75%
Florida Capital Bank	-0.07%	(4.0)	0.16%
CenterState Bank	-0.06%	(4.0)	0.74%
Fifth Third Bank	-0.06%	(4.0)	0.27%
Equity Resources	-0.06%	(4.0)	0.06%
Citibank	-0.05%	(4.0)	0.22%
Pulte Mortgage LLC	-0.05%	(4.0)	1.43%
SWBC Mortgage	-0.05%	(4.0)	1.98%
First Equity Mortgage	-0.05%	(3.5)	0.16%
PennyMac Loan Services	-0.04%	(3.5)	0.22%
Towne Mortgage Company	-0.03%	(3.5)	0.16%
First Federal Bank of Florida	-0.03%	(3.5)	0.82%
Success Mortgage Partners	-0.03%	(3.5)	0.36%
NBKC Bank	-0.03%	(3.5)	0.22%
North American Savings Bank	-0.03%	(3.5)	0.05%
Plaza Home Mortgage	-0.02%	(3.5)	0.59%
FirstBank TN	-0.02%	(3.5)	0.12%
Network Funding	-0.02%	(3.5)	0.30%
Home Point Financial Corporation	-0.02%	(3.5)	0.37%
BBVA	-0.02%	(3.5)	0.55%
Barrington Bank & Trust	-0.02%	(3.5)	0.03%
TD Bank	-0.02%	(3.5)	0.22%
Wyndham Capital Mortgage	-0.01%	(3.5)	0.05%
Taylor Morrison Home Funding	-0.01%	(3.5)	0.36%
Caliber Home Loans	-0.01%	(3.5)	1.54%
Guaranty Home Mortgage Corporation	-0.01%	(3.5)	0.29%
Magnolia Bank	-0.00%	(3.5)	0.09%
USAA	-0.00%	(3.5)	0.73%
Amerisave Mortgage Corporation	-0.00%	(3.5)	0.09%
Cardinal Financial Company	0.01%	(3.5)	0.60%
HomeAmerican Mortgage Corporation	0.01%	(3.5)	0.55%
IBERIABANK	0.01%	(3.5)	0.22%
GSF Mortgage Corporation	0.01%	(3.5)	0.10%
Fairway Independent Mortgage Corporation	0.02%	(3.5)	2.20%
RoundPoint Mortgage Servicing Corporation	0.02%	(3.5)	0.01%
Hancock Whitney Bank	0.02%	(3.5)	0.50%
loanDepot	0.02%	(3.5)	1.12%
The Federal Savings Bank	0.02%	(3.5)	0.04%
Mr. Cooper	0.02%	(3.5)	0.08%
KBHS Home Loans	0.03%	(3.5)	2.11%
ALCOVA Mortgage	0.03%	(3.5)	0.09%
Lakeview Loan Servicing	0.03%	(3.5)	0.32%
Movement Mortgage	0.03%	(3.5)	2.53%
The Mortgage Firm	0.04%	(3.5)	0.19%
121 Financial Credit Union	0.04%	(3.5)	0.29%
Cornerstone Home Lending	0.04%	(3.5)	0.18%
VanDyk Mortgage Corporation	0.04%	(3.5)	0.14%
Embrace Home Loans	0.04%	(3.5)	0.09%
Liberty Savings Bank	0.04%	(3.5)	0.24%
R P Funding	0.04%	(3.5)	0.23%
AnnieMac Home Mortgage	0.05%	(3.5)	0.39%
Contour Mortgage Corporation	0.05%	(3.5)	0.06%
Union Home Mortgage	0.05%	(3.0)	0.73%
Stockton Mortgage	0.06%	(3.0)	0.15%
Bank of England AR	0.06%	(3.0)	5.89%
HomeBridge Financial Services	0.06%	(3.0)	0.82%
Primary Residential Mortgage Inc	0.06%	(3.0)	0.14%
Stearns Home Loans	0.06%	(3.0)	0.28%
Nations Lending Corporation	0.07%	(3.0)	0.06%
New American Funding	0.07%	(3.0)	0.23%
Campus USA Credit Union	0.07%	(3.0)	0.11%
Freedom Mortgage Corporation	0.07%	(3.0)	0.20%
Synergy One Lending	0.08%	(3.0)	0.07%
Equity Prime Mortgage	0.08%	(3.0)	0.29%
Quicken Loans	0.08%	(3.0)	5.21%
TIAA Bank	0.08%	(3.0)	1.82%
Fair Way Lending	0.08%	(3.0)	0.05%
Resource Financial Services	0.08%	(3.0)	0.84%
Flagstar Bank	0.08%	(3.0)	0.29%
Nations Direct Mortgage	0.10%	(3.0)	0.05%
Carrington Mortgage Services	0.10%	(3.0)	0.18%
FBC Mortgage	0.11%	(3.0)	0.97%
Renasant Bank	0.12%	(3.0)	0.38%
HomeStar Financial	0.12%	(3.0)	0.79%
OneTrust Home Loans	0.12%	(3.0)	0.19%
NewRez	0.13%	(3.0)	0.34%
Watson Mortgage Corporation	0.13%	(3.0)	1.25%
Finance of America Mortgage	0.14%	(3.0)	0.31%
PRMG Mortgage	0.14%	(3.0)	0.32%
Guild Mortgage Company	0.15%	(3.0)	0.50%
Homeowners Financial Group	0.15%	(3.0)	0.48%
Geneva Financial Home Loans	0.16%	(2.5)	0.22%
PrimeLending	0.17%	(2.5)	6.40%
Royal United Mortgage	0.18%	(2.5)	0.09%
Bay Equity Home Loans	0.18%	(2.5)	0.28%
Planet Home Lending	0.19%	(2.5)	0.09%
CMG Financial	0.20%	(2.5)	1.02%
First Option Mortgage LLC	0.20%	(2.5)	0.36%
Mattamy Home Funding	0.20%	(2.5)	1.88%
Hamilton Group Funding	0.26%	(2.0)	0.92%
Academy Mortgage Corporation Utah	0.34%	(2.0)	1.35%
Navy Federal Credit Union	0.43%	(1.5)	4.14%

Lender Name	Rate Difference	Rate Rating	Market Share
Community First Credit Union of Florida	-0.69%	(5.0)	7.58%
SWBC Mortgage	-0.16%	(4.5)	0.53%
Provident Funding	-0.15%	(4.5)	1.03%
Amerisave Mortgage Corporation	-0.11%	(4.0)	1.15%
Ameris Bank	-0.10%	(4.0)	1.76%
CenterState Bank	-0.10%	(4.0)	0.54%
VyStar Credit Union	-0.09%	(4.0)	19.15%
Plaza Home Mortgage	-0.08%	(4.0)	0.29%
Prosperity Home Mortgage LLC	-0.08%	(4.0)	0.19%
Bank of America	-0.07%	(4.0)	2.69%
Watson Mortgage Corporation	-0.06%	(4.0)	0.14%
US Bank	-0.06%	(4.0)	1.07%
TIAA Bank	-0.05%	(4.0)	0.94%
Capital City Home Loans	-0.05%	(3.5)	0.32%
PNC Bank	-0.04%	(3.5)	0.37%
First Federal Bank of Florida	-0.04%	(3.5)	1.54%
USAA	-0.03%	(3.5)	0.32%
Citibank	-0.03%	(3.5)	0.19%
Cardinal Financial Company	-0.03%	(3.5)	0.67%
loanDepot	-0.02%	(3.5)	2.56%
Guaranteed Rate	-0.02%	(3.5)	0.32%
FirstBank TN	-0.02%	(3.5)	0.19%
JPMorgan Chase Bank	-0.01%	(3.5)	2.80%
VanDyk Mortgage Corporation	-0.01%	(3.5)	0.06%
Keller Mortgage	-0.01%	(3.5)	0.17%
RoundPoint Mortgage Servicing Corporation	-0.01%	(3.5)	0.22%
Success Mortgage Partners	-0.00%	(3.5)	0.14%
emmloans	0.00%	(3.5)	0.28%
Hamilton Group Funding	0.01%	(3.5)	0.55%
Movement Mortgage	0.01%	(3.5)	0.51%
Bank of England AR	0.01%	(3.5)	1.59%
Equity Resources	0.01%	(3.5)	0.03%
ALCOVA Mortgage	0.01%	(3.5)	0.04%
Hancock Whitney Bank	0.01%	(3.5)	0.24%
Guild Mortgage Company	0.01%	(3.5)	0.15%
AnnieMac Home Mortgage	0.01%	(3.5)	0.30%
Carrington Mortgage Services	0.01%	(3.5)	0.78%
Network Funding	0.01%	(3.5)	0.08%
FBC Mortgage	0.01%	(3.5)	0.47%
Home Point Financial Corporation	0.01%	(3.5)	0.29%
GSF Mortgage Corporation	0.02%	(3.5)	0.06%
Homeowners Financial Group	0.02%	(3.5)	0.06%
Cornerstone Home Lending	0.02%	(3.5)	0.04%
Flagstar Bank	0.02%	(3.5)	0.24%
Finance of America Mortgage	0.02%	(3.5)	0.24%
Truist Bank	0.02%	(3.5)	0.67%
First Equity Mortgage	0.02%	(3.5)	0.01%
Wyndham Capital Mortgage	0.02%	(3.5)	0.36%
Contour Mortgage Corporation	0.02%	(3.5)	0.11%
Guaranty Home Mortgage Corporation	0.03%	(3.5)	0.12%
Synovus Bank	0.03%	(3.5)	0.01%
Equity Prime Mortgage	0.03%	(3.5)	0.03%
Fair Way Lending	0.03%	(3.5)	0.01%
Bay Equity Home Loans	0.03%	(3.5)	0.07%
Caliber Home Loans	0.03%	(3.5)	1.04%
DHI Mortgage Company Limited	0.03%	(3.5)	0.01%
Nations Direct Mortgage	0.04%	(3.5)	0.01%
SunTrust Bank	0.04%	(3.5)	1.05%
Fifth Third Bank	0.04%	(3.5)	0.48%
Planet Home Lending	0.04%	(3.5)	0.11%
KBHS Home Loans	0.04%	(3.5)	0.01%
Gateway First Bank	0.04%	(3.5)	0.29%
Village Capital	0.04%	(3.5)	0.01%
JAX Federal Credit Union	0.04%	(3.5)	2.85%
Towne Mortgage Company	0.04%	(3.5)	0.17%
Florida Capital Bank	0.05%	(3.5)	0.30%
NBKC Bank	0.05%	(3.5)	0.19%
Lakeview Loan Servicing	0.05%	(3.5)	0.37%
Stearns Home Loans	0.05%	(3.0)	0.17%
TD Bank	0.05%	(3.0)	0.29%
HomeBridge Financial Services	0.05%	(3.0)	0.33%
North American Savings Bank	0.05%	(3.0)	0.10%
New American Funding	0.05%	(3.0)	0.14%
Liberty Savings Bank	0.06%	(3.0)	0.12%
The Mortgage Firm	0.06%	(3.0)	0.15%
Union Home Mortgage	0.06%	(3.0)	0.39%
Renasant Bank	0.06%	(3.0)	0.24%
First Option Mortgage LLC	0.06%	(3.0)	0.15%
Magnolia Bank	0.06%	(3.0)	0.10%
IBERIABANK	0.06%	(3.0)	0.14%
Synergy One Lending	0.07%	(3.0)	0.24%
Stockton Mortgage	0.08%	(3.0)	0.14%
NewRez	0.08%	(3.0)	0.80%
HomeStar Financial	0.08%	(3.0)	0.21%
Embrace Home Loans	0.08%	(3.0)	0.06%
Fairway Independent Mortgage Corporation	0.08%	(3.0)	0.43%
CMG Financial	0.10%	(3.0)	0.21%
PennyMac Loan Services	0.11%	(3.0)	1.16%
PrimeLending	0.12%	(3.0)	1.25%
Academy Mortgage Corporation Utah	0.12%	(3.0)	0.22%
R P Funding	0.12%	(3.0)	1.50%
PRMG Mortgage	0.13%	(3.0)	0.08%
Nations Lending Corporation	0.13%	(3.0)	0.11%
Navy Federal Credit Union	0.14%	(3.0)	2.27%
Primary Residential Mortgage Inc	0.15%	(2.5)	0.08%
Freedom Mortgage Corporation	0.17%	(2.5)	0.54%
Royal United Mortgage	0.18%	(2.5)	0.25%
Wells Fargo Bank	0.19%	(2.5)	3.91%
BBVA	0.20%	(2.5)	0.71%
Campus USA Credit Union	0.22%	(2.5)	0.29%
Quicken Loans	0.23%	(2.5)	17.57%
121 Financial Credit Union	0.24%	(2.5)	0.94%
Regions Bank	0.25%	(2.0)	1.36%
Resource Financial Services	0.26%	(2.0)	0.51%
Mr. Cooper	0.41%	(1.5)	1.68%

Lender Name	Rate Difference	Rate Rating	Market Share
HomeAmerican Mortgage Corporation	-0.28%	(5.0)	1.03%
DHI Mortgage Company Limited	-0.27%	(5.0)	4.96%
Caliber Home Loans	-0.24%	(4.5)	3.89%
US Bank	-0.20%	(4.5)	0.75%
Navy Federal Credit Union	-0.19%	(4.5)	0.40%
CenterState Bank	-0.19%	(4.5)	0.37%
Bank of America	-0.18%	(4.5)	0.49%
Regions Bank	-0.18%	(4.5)	0.56%
Ameris Bank	-0.18%	(4.5)	1.24%
Plaza Home Mortgage	-0.13%	(4.0)	2.05%
Guaranty Home Mortgage Corporation	-0.13%	(4.0)	0.25%
Hancock Whitney Bank	-0.13%	(4.0)	0.26%
SunTrust Bank	-0.12%	(4.0)	0.40%
First Federal Bank of Florida	-0.12%	(4.0)	1.12%
Prosperity Home Mortgage LLC	-0.11%	(4.0)	0.67%
Cardinal Financial Company	-0.11%	(4.0)	2.68%
emmloans	-0.11%	(4.0)	0.30%
Guaranteed Rate	-0.10%	(4.0)	0.84%
Equity Resources	-0.10%	(4.0)	0.18%
Village Capital	-0.10%	(4.0)	0.46%
Freedom Mortgage Corporation	-0.10%	(4.0)	2.08%
NBKC Bank	-0.08%	(4.0)	0.21%
NewRez	-0.07%	(4.0)	0.74%
Truist Bank	-0.07%	(4.0)	0.19%
Home Point Financial Corporation	-0.07%	(4.0)	0.95%
Movement Mortgage	-0.07%	(4.0)	2.58%
PNC Bank	-0.07%	(4.0)	0.07%
PennyMac Loan Services	-0.06%	(4.0)	1.09%
Quicken Loans	-0.06%	(4.0)	9.39%
Stockton Mortgage	-0.05%	(4.0)	0.49%
Towne Mortgage Company	-0.05%	(4.0)	0.25%
Capital City Home Loans	-0.05%	(4.0)	0.21%
Florida Capital Bank	-0.05%	(3.5)	0.30%
Provident Funding	-0.04%	(3.5)	0.11%
Resource Financial Services	-0.04%	(3.5)	0.88%
Fairway Independent Mortgage Corporation	-0.04%	(3.5)	2.89%
New American Funding	-0.04%	(3.5)	0.58%
RoundPoint Mortgage Servicing Corporation	-0.04%	(3.5)	0.30%
North American Savings Bank	-0.03%	(3.5)	0.12%
Lakeview Loan Servicing	-0.03%	(3.5)	1.44%
BBVA	-0.03%	(3.5)	0.11%
IBERIABANK	-0.03%	(3.5)	0.12%
Network Funding	-0.02%	(3.5)	0.18%
Fifth Third Bank	-0.02%	(3.5)	0.21%
Amerisave Mortgage Corporation	-0.02%	(3.5)	0.30%
Liberty Savings Bank	-0.02%	(3.5)	0.05%
Taylor Morrison Home Funding	-0.02%	(3.5)	0.02%
Gateway First Bank	-0.01%	(3.5)	0.81%
Wyndham Capital Mortgage	-0.01%	(3.5)	0.09%
Keller Mortgage	-0.01%	(3.5)	0.02%
Synergy One Lending	-0.01%	(3.5)	0.19%
TIAA Bank	-0.01%	(3.5)	0.63%
The Federal Savings Bank	-0.00%	(3.5)	0.07%
Magnolia Bank	-0.00%	(3.5)	0.18%
Pulte Mortgage LLC	-0.00%	(3.5)	0.09%
Barrington Bank & Trust	-0.00%	(3.5)	0.11%
Stearns Home Loans	-0.00%	(3.5)	0.65%
HomeBridge Financial Services	0.00%	(3.5)	0.98%
Planet Home Lending	0.00%	(3.5)	0.25%
Fair Way Lending	0.01%	(3.5)	0.68%
Citibank	0.01%	(3.5)	0.04%
JPMorgan Chase Bank	0.01%	(3.5)	0.04%
Carrington Mortgage Services	0.01%	(3.5)	3.33%
The Mortgage Firm	0.01%	(3.5)	0.14%
Watson Mortgage Corporation	0.01%	(3.5)	1.40%
NewDay USA	0.02%	(3.5)	0.02%
VanDyk Mortgage Corporation	0.02%	(3.5)	0.25%
Union Home Mortgage	0.02%	(3.5)	1.10%
Royal United Mortgage	0.02%	(3.5)	0.02%
Flagstar Bank	0.02%	(3.5)	0.42%
ALCOVA Mortgage	0.03%	(3.5)	0.25%
FBC Mortgage	0.03%	(3.5)	1.73%
Success Mortgage Partners	0.03%	(3.5)	0.25%
OneTrust Home Loans	0.03%	(3.5)	0.47%
SWBC Mortgage	0.04%	(3.5)	1.75%
Contour Mortgage Corporation	0.04%	(3.5)	0.35%
Wells Fargo Bank	0.04%	(3.5)	0.04%
GSF Mortgage Corporation	0.05%	(3.5)	0.30%
Nations Direct Mortgage	0.05%	(3.0)	0.28%
HomeStar Financial	0.05%	(3.0)	0.40%
Geneva Financial Home Loans	0.07%	(3.0)	0.42%
Cornerstone Home Lending	0.07%	(3.0)	0.07%
Bank of England AR	0.08%	(3.0)	3.49%
Finance of America Mortgage	0.09%	(3.0)	0.26%
PrimeLending	0.09%	(3.0)	4.61%
Mattamy Home Funding	0.10%	(3.0)	0.60%
Embrace Home Loans	0.10%	(3.0)	0.37%
Renasant Bank	0.10%	(3.0)	0.47%
Homeowners Financial Group	0.11%	(3.0)	2.00%
AnnieMac Home Mortgage	0.12%	(3.0)	1.23%
KBHS Home Loans	0.13%	(3.0)	2.58%
CMG Financial	0.14%	(3.0)	1.77%
Nations Lending Corporation	0.15%	(3.0)	0.40%
Guild Mortgage Company	0.15%	(2.5)	0.58%
Mr. Cooper	0.15%	(2.5)	3.29%
First Option Mortgage LLC	0.16%	(2.5)	0.44%
Primary Residential Mortgage Inc	0.18%	(2.5)	0.46%
Academy Mortgage Corporation Utah	0.22%	(2.5)	3.49%
loanDepot	0.22%	(2.5)	2.86%
Bay Equity Home Loans	0.25%	(2.0)	0.60%
Equity Prime Mortgage	0.26%	(2.0)	1.09%
PRMG Mortgage	0.29%	(2.0)	1.14%
Hamilton Group Funding	0.36%	(1.5)	1.80%

Lender Name	Rate Difference	Rate Rating	Market Share
Caliber Home Loans	-0.30%	(5.0)	3.43%
HomeAmerican Mortgage Corporation	-0.28%	(5.0)	1.32%
DHI Mortgage Company Limited	-0.27%	(5.0)	6.35%
US Bank	-0.22%	(4.5)	0.83%
Regions Bank	-0.20%	(4.5)	0.65%
Navy Federal Credit Union	-0.20%	(4.5)	0.49%
CenterState Bank	-0.20%	(4.5)	0.45%
Bank of America	-0.20%	(4.5)	0.58%
Ameris Bank	-0.19%	(4.5)	1.48%
First Federal Bank of Florida	-0.18%	(4.5)	0.85%
Lakeview Loan Servicing	-0.15%	(4.0)	0.40%
Hancock Whitney Bank	-0.15%	(4.0)	0.29%
emmloans	-0.14%	(4.0)	0.29%
NewRez	-0.14%	(4.0)	0.49%
PennyMac Loan Services	-0.14%	(4.0)	0.38%
Cardinal Financial Company	-0.14%	(4.0)	2.94%
Guaranty Home Mortgage Corporation	-0.14%	(4.0)	0.29%
Freedom Mortgage Corporation	-0.13%	(4.0)	1.79%
Plaza Home Mortgage	-0.13%	(4.0)	2.20%
SunTrust Bank	-0.13%	(4.0)	0.47%
Quicken Loans	-0.12%	(4.0)	4.84%
Prosperity Home Mortgage LLC	-0.11%	(4.0)	0.85%
Equity Resources	-0.11%	(4.0)	0.20%
Guaranteed Rate	-0.11%	(4.0)	0.99%
Home Point Financial Corporation	-0.09%	(4.0)	0.67%
NBKC Bank	-0.09%	(4.0)	0.20%
Towne Mortgage Company	-0.07%	(4.0)	0.25%
Truist Bank	-0.07%	(4.0)	0.25%
Movement Mortgage	-0.07%	(4.0)	3.30%
PNC Bank	-0.06%	(4.0)	0.09%
Stockton Mortgage	-0.06%	(4.0)	0.56%
Capital City Home Loans	-0.06%	(4.0)	0.25%
Provident Funding	-0.05%	(4.0)	0.07%
Florida Capital Bank	-0.05%	(3.5)	0.22%
New American Funding	-0.05%	(3.5)	0.61%
Resource Financial Services	-0.04%	(3.5)	1.10%
Fairway Independent Mortgage Corporation	-0.04%	(3.5)	3.52%
North American Savings Bank	-0.03%	(3.5)	0.09%
BBVA	-0.03%	(3.5)	0.11%
Wyndham Capital Mortgage	-0.03%	(3.5)	0.07%
IBERIABANK	-0.02%	(3.5)	0.16%
Fifth Third Bank	-0.02%	(3.5)	0.20%
Network Funding	-0.02%	(3.5)	0.22%
Amerisave Mortgage Corporation	-0.02%	(3.5)	0.09%
Gateway First Bank	-0.01%	(3.5)	0.96%
Taylor Morrison Home Funding	-0.01%	(3.5)	0.02%
Keller Mortgage	-0.01%	(3.5)	0.02%
The Federal Savings Bank	-0.01%	(3.5)	0.07%
TIAA Bank	-0.01%	(3.5)	0.72%
Liberty Savings Bank	-0.00%	(3.5)	0.02%
Pulte Mortgage LLC	-0.00%	(3.5)	0.11%
Barrington Bank & Trust	-0.00%	(3.5)	0.07%
Magnolia Bank	-0.00%	(3.5)	0.11%
Stearns Home Loans	0.00%	(3.5)	0.76%
Fair Way Lending	0.01%	(3.5)	0.87%
HomeBridge Financial Services	0.01%	(3.5)	0.85%
Nations Lending Corporation	0.01%	(3.5)	0.11%
Synergy One Lending	0.01%	(3.5)	0.09%
JPMorgan Chase Bank	0.01%	(3.5)	0.02%
The Mortgage Firm	0.01%	(3.5)	0.18%
Watson Mortgage Corporation	0.02%	(3.5)	1.75%
VanDyk Mortgage Corporation	0.02%	(3.5)	0.31%
Union Home Mortgage	0.02%	(3.5)	1.28%
Flagstar Bank	0.03%	(3.5)	0.43%
Planet Home Lending	0.03%	(3.5)	0.13%
FBC Mortgage	0.03%	(3.5)	1.97%
OneTrust Home Loans	0.03%	(3.5)	0.61%
ALCOVA Mortgage	0.03%	(3.5)	0.29%
Carrington Mortgage Services	0.03%	(3.5)	1.66%
Success Mortgage Partners	0.03%	(3.5)	0.29%
SWBC Mortgage	0.04%	(3.5)	2.20%
Wells Fargo Bank	0.04%	(3.5)	0.04%
Contour Mortgage Corporation	0.05%	(3.5)	0.40%
HomeStar Financial	0.06%	(3.0)	0.49%
Nations Direct Mortgage	0.06%	(3.0)	0.31%
GSF Mortgage Corporation	0.06%	(3.0)	0.31%
Geneva Financial Home Loans	0.07%	(3.0)	0.54%
Embrace Home Loans	0.07%	(3.0)	0.16%
Cornerstone Home Lending	0.07%	(3.0)	0.09%
Bank of England AR	0.09%	(3.0)	4.17%
Finance of America Mortgage	0.09%	(3.0)	0.31%
PrimeLending	0.10%	(3.0)	5.72%
Mattamy Home Funding	0.10%	(3.0)	0.76%
Renasant Bank	0.11%	(3.0)	0.58%
Homeowners Financial Group	0.11%	(3.0)	2.56%
KBHS Home Loans	0.13%	(3.0)	3.30%
Mr. Cooper	0.13%	(3.0)	1.86%
CMG Financial	0.15%	(3.0)	2.22%
First Option Mortgage LLC	0.16%	(2.5)	0.56%
Guild Mortgage Company	0.16%	(2.5)	0.72%
AnnieMac Home Mortgage	0.16%	(2.5)	1.08%
Primary Residential Mortgage Inc	0.22%	(2.5)	0.45%
Academy Mortgage Corporation Utah	0.22%	(2.5)	4.42%
Bay Equity Home Loans	0.27%	(2.0)	0.72%
Equity Prime Mortgage	0.28%	(2.0)	1.32%
loanDepot	0.29%	(2.0)	2.51%
PRMG Mortgage	0.32%	(2.0)	1.32%
Hamilton Group Funding	0.36%	(1.5)	2.26%

Lender Name	Rate Difference	Rate Rating	Market Share
Plaza Home Mortgage	-0.14%	(4.0)	1.52%
Caliber Home Loans	-0.12%	(4.0)	5.53%
Village Capital	-0.10%	(4.0)	2.08%
Florida Capital Bank	-0.06%	(4.0)	0.56%
Guaranteed Rate	-0.05%	(3.5)	0.32%
NBKC Bank	-0.05%	(3.5)	0.24%
RoundPoint Mortgage Servicing Corporation	-0.04%	(3.5)	1.36%
PennyMac Loan Services	-0.04%	(3.5)	3.61%
Home Point Financial Corporation	-0.04%	(3.5)	1.92%
North American Savings Bank	-0.04%	(3.5)	0.24%
Provident Funding	-0.03%	(3.5)	0.24%
Fairway Independent Mortgage Corporation	-0.03%	(3.5)	0.64%
TIAA Bank	-0.03%	(3.5)	0.32%
SunTrust Bank	-0.03%	(3.5)	0.16%
Synergy One Lending	-0.03%	(3.5)	0.56%
US Bank	-0.03%	(3.5)	0.48%
Liberty Savings Bank	-0.02%	(3.5)	0.16%
Freedom Mortgage Corporation	-0.02%	(3.5)	3.12%
Bank of England AR	-0.02%	(3.5)	1.04%
Equity Resources	-0.02%	(3.5)	0.08%
First Federal Bank of Florida	-0.02%	(3.5)	2.08%
Planet Home Lending	-0.02%	(3.5)	0.64%
CenterState Bank	-0.02%	(3.5)	0.08%
HomeBridge Financial Services	-0.02%	(3.5)	1.44%
Amerisave Mortgage Corporation	-0.02%	(3.5)	1.04%
Ameris Bank	-0.02%	(3.5)	0.40%
Quicken Loans	-0.02%	(3.5)	25.64%
Hamilton Group Funding	-0.02%	(3.5)	0.16%
Success Mortgage Partners	-0.02%	(3.5)	0.08%
Renasant Bank	-0.02%	(3.5)	0.08%
Guaranty Home Mortgage Corporation	-0.01%	(3.5)	0.08%
PRMG Mortgage	-0.01%	(3.5)	0.48%
Hancock Whitney Bank	-0.01%	(3.5)	0.16%
Magnolia Bank	-0.01%	(3.5)	0.40%
Navy Federal Credit Union	-0.01%	(3.5)	0.08%
Resource Financial Services	-0.01%	(3.5)	0.08%
Stearns Home Loans	-0.01%	(3.5)	0.24%
Bank of America	-0.01%	(3.5)	0.16%
New American Funding	-0.01%	(3.5)	0.48%
Barrington Bank & Trust	-0.01%	(3.5)	0.24%
CMG Financial	-0.01%	(3.5)	0.16%
Fifth Third Bank	-0.01%	(3.5)	0.24%
Academy Mortgage Corporation Utah	-0.01%	(3.5)	0.16%
GSF Mortgage Corporation	-0.01%	(3.5)	0.24%
ALCOVA Mortgage	-0.00%	(3.5)	0.08%
Carrington Mortgage Services	-0.00%	(3.5)	9.29%
NewRez	-0.00%	(3.5)	1.60%
Lakeview Loan Servicing	-0.00%	(3.5)	5.13%
BBVA	-0.00%	(3.5)	0.08%
Finance of America Mortgage	-0.00%	(3.5)	0.08%
Equity Prime Mortgage	0.00%	(3.5)	0.24%
SWBC Mortgage	0.00%	(3.5)	0.16%
PrimeLending	0.00%	(3.5)	0.64%
Regions Bank	0.00%	(3.5)	0.24%
HomeStar Financial	0.00%	(3.5)	0.08%
Contour Mortgage Corporation	0.00%	(3.5)	0.16%
Guild Mortgage Company	0.00%	(3.5)	0.08%
Bay Equity Home Loans	0.00%	(3.5)	0.16%
The Federal Savings Bank	0.01%	(3.5)	0.08%
Citibank	0.01%	(3.5)	0.16%
Watson Mortgage Corporation	0.01%	(3.5)	0.16%
Towne Mortgage Company	0.01%	(3.5)	0.24%
JPMorgan Chase Bank	0.01%	(3.5)	0.08%
Flagstar Bank	0.01%	(3.5)	0.40%
emmloans	0.01%	(3.5)	0.32%
NewDay USA	0.01%	(3.5)	0.08%
Gateway First Bank	0.01%	(3.5)	0.24%
Wyndham Capital Mortgage	0.01%	(3.5)	0.16%
FBC Mortgage	0.02%	(3.5)	0.88%
Capital City Home Loans	0.02%	(3.5)	0.08%
Nations Direct Mortgage	0.02%	(3.5)	0.16%
Royal United Mortgage	0.02%	(3.5)	0.08%
Stockton Mortgage	0.02%	(3.5)	0.24%
Union Home Mortgage	0.03%	(3.5)	0.48%
AnnieMac Home Mortgage	0.04%	(3.5)	1.76%
Primary Residential Mortgage Inc	0.05%	(3.0)	0.48%
Cardinal Financial Company	0.06%	(3.0)	1.76%
loanDepot	0.07%	(3.0)	4.09%
Embrace Home Loans	0.10%	(3.0)	1.12%
Mr. Cooper	0.16%	(2.5)	8.41%
Nations Lending Corporation	0.18%	(2.5)	1.44%

Lender Name	Rate Difference	Rate Rating	Market Share
Wells Fargo Bank	-0.08%	(4.0)	8.68%
Bank of America	-0.07%	(4.0)	8.96%
Synovus Bank	-0.03%	(3.5)	5.88%
Fifth Third Bank	-0.02%	(3.5)	1.54%
Regions Bank	-0.02%	(3.5)	7.00%
VyStar Credit Union	-0.02%	(3.5)	8.12%
Truist Bank	-0.01%	(3.5)	5.60%
Community First Credit Union of Florida	-0.00%	(3.5)	0.98%
US Bank	-0.00%	(3.5)	7.28%
TD Bank	0.01%	(3.5)	1.12%
Citibank	0.01%	(3.5)	0.42%
IBERIABANK	0.01%	(3.5)	0.42%
emmloans	0.01%	(3.5)	0.14%
Keller Mortgage	0.01%	(3.5)	0.14%
Renasant Bank	0.01%	(3.5)	0.14%
Resource Financial Services	0.02%	(3.5)	0.14%
Flagstar Bank	0.02%	(3.5)	0.14%
Capital City Home Loans	0.02%	(3.5)	0.28%
Plaza Home Mortgage	0.02%	(3.5)	0.14%
Homeowners Financial Group	0.02%	(3.5)	0.14%
JAX Federal Credit Union	0.02%	(3.5)	0.42%
First Federal Bank of Florida	0.02%	(3.5)	0.42%
Hamilton Group Funding	0.02%	(3.5)	0.14%
JPMorgan Chase Bank	0.02%	(3.5)	7.14%
Prosperity Home Mortgage LLC	0.02%	(3.5)	0.84%
R P Funding	0.03%	(3.5)	0.14%
Guaranteed Rate	0.03%	(3.5)	0.28%
Watson Mortgage Corporation	0.03%	(3.5)	0.42%
Network Funding	0.03%	(3.5)	0.14%
PNC Bank	0.03%	(3.5)	0.84%
FirstBank TN	0.03%	(3.5)	0.14%
First Option Mortgage LLC	0.03%	(3.5)	0.14%
FBC Mortgage	0.03%	(3.5)	0.14%
Florida Capital Bank	0.03%	(3.5)	0.14%
NewRez	0.03%	(3.5)	0.14%
Cornerstone Home Lending	0.03%	(3.5)	0.28%
Cardinal Financial Company	0.04%	(3.5)	0.42%
Hancock Whitney Bank	0.04%	(3.5)	2.80%
Stockton Mortgage	0.04%	(3.5)	0.14%
Ameris Bank	0.04%	(3.5)	1.82%
CenterState Bank	0.04%	(3.5)	0.42%
SunTrust Bank	0.04%	(3.5)	9.24%
Navy Federal Credit Union	0.04%	(3.5)	1.12%
North American Savings Bank	0.04%	(3.5)	0.28%
SWBC Mortgage	0.04%	(3.5)	1.12%
121 Financial Credit Union	0.04%	(3.5)	0.28%
TIAA Bank	0.05%	(3.5)	1.54%
BBVA	0.05%	(3.5)	1.96%
Fairway Independent Mortgage Corporation	0.05%	(3.5)	0.56%
Bank of England AR	0.05%	(3.5)	1.12%
loanDepot	0.05%	(3.5)	0.70%
Quicken Loans	0.07%	(3.0)	2.10%
PrimeLending	0.07%	(3.0)	1.40%
Movement Mortgage	0.07%	(3.0)	0.70%
TBI Mortgage Company	0.08%	(3.0)	2.52%
Caliber Home Loans	0.10%	(3.0)	0.70%

Lender Name	Rate Difference	Rate Rating	Market Share
Wells Fargo Bank	-0.08%	(4.0)	10.79%
Bank of America	-0.07%	(4.0)	7.90%
Synovus Bank	-0.03%	(3.5)	6.17%
Regions Bank	-0.03%	(3.5)	7.32%
Fifth Third Bank	-0.02%	(3.5)	1.35%
VyStar Credit Union	-0.01%	(3.5)	5.78%
Truist Bank	-0.01%	(3.5)	5.59%
US Bank	0.00%	(3.5)	8.29%
TD Bank	0.00%	(3.5)	1.16%
Citibank	0.01%	(3.5)	0.39%
Community First Credit Union of Florida	0.01%	(3.5)	0.58%
IBERIABANK	0.01%	(3.5)	0.39%
PNC Bank	0.01%	(3.5)	0.39%
emmloans	0.02%	(3.5)	0.19%
Keller Mortgage	0.02%	(3.5)	0.19%
Renasant Bank	0.02%	(3.5)	0.19%
JPMorgan Chase Bank	0.02%	(3.5)	7.32%
Resource Financial Services	0.02%	(3.5)	0.19%
JAX Federal Credit Union	0.03%	(3.5)	0.19%
Capital City Home Loans	0.03%	(3.5)	0.39%
Plaza Home Mortgage	0.03%	(3.5)	0.19%
Homeowners Financial Group	0.03%	(3.5)	0.19%
Hamilton Group Funding	0.03%	(3.5)	0.19%
Prosperity Home Mortgage LLC	0.03%	(3.5)	1.16%
Guaranteed Rate	0.03%	(3.5)	0.39%
Watson Mortgage Corporation	0.03%	(3.5)	0.58%
Quicken Loans	0.03%	(3.5)	0.77%
Network Funding	0.03%	(3.5)	0.19%
Ameris Bank	0.03%	(3.5)	1.73%
FirstBank TN	0.04%	(3.5)	0.19%
First Option Mortgage LLC	0.04%	(3.5)	0.19%
FBC Mortgage	0.04%	(3.5)	0.19%
Florida Capital Bank	0.04%	(3.5)	0.19%
First Federal Bank of Florida	0.04%	(3.5)	0.19%
NewRez	0.04%	(3.5)	0.19%
BBVA	0.04%	(3.5)	0.96%
Cornerstone Home Lending	0.04%	(3.5)	0.39%
Cardinal Financial Company	0.04%	(3.5)	0.58%
SunTrust Bank	0.04%	(3.5)	10.02%
Navy Federal Credit Union	0.05%	(3.5)	0.96%
Hancock Whitney Bank	0.05%	(3.5)	2.89%
SWBC Mortgage	0.05%	(3.5)	1.54%
CenterState Bank	0.05%	(3.5)	0.39%
Bank of England AR	0.06%	(3.0)	1.35%
TIAA Bank	0.06%	(3.0)	1.73%
North American Savings Bank	0.06%	(3.0)	0.19%
Fairway Independent Mortgage Corporation	0.06%	(3.0)	0.58%
loanDepot	0.07%	(3.0)	0.58%
PrimeLending	0.08%	(3.0)	1.35%
Movement Mortgage	0.08%	(3.0)	0.77%
TBI Mortgage Company	0.08%	(3.0)	3.47%
Caliber Home Loans	0.11%	(3.0)	0.96%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.05%	(4.0)	11.79%
Fifth Third Bank	-0.04%	(3.5)	2.05%
VyStar Credit Union	-0.03%	(3.5)	14.36%
Community First Credit Union of Florida	-0.03%	(3.5)	2.05%
Synovus Bank	-0.02%	(3.5)	5.13%
Truist Bank	-0.02%	(3.5)	5.64%
US Bank	-0.01%	(3.5)	4.62%
Wells Fargo Bank	-0.01%	(3.5)	3.08%
Citibank	-0.00%	(3.5)	0.51%
Bank of England AR	0.00%	(3.5)	0.51%
First Federal Bank of Florida	0.00%	(3.5)	1.03%
TIAA Bank	0.00%	(3.5)	1.03%
Flagstar Bank	0.00%	(3.5)	0.51%
IBERIABANK	0.00%	(3.5)	0.51%
Hancock Whitney Bank	0.01%	(3.5)	2.56%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	0.51%
JAX Federal Credit Union	0.01%	(3.5)	1.03%
R P Funding	0.01%	(3.5)	0.51%
TD Bank	0.01%	(3.5)	1.03%
CenterState Bank	0.01%	(3.5)	0.51%
North American Savings Bank	0.01%	(3.5)	0.51%
Movement Mortgage	0.01%	(3.5)	0.51%
loanDepot	0.02%	(3.5)	1.03%
Stockton Mortgage	0.02%	(3.5)	0.51%
Regions Bank	0.02%	(3.5)	6.15%
Navy Federal Credit Union	0.02%	(3.5)	1.54%
PNC Bank	0.02%	(3.5)	2.05%
121 Financial Credit Union	0.03%	(3.5)	1.03%
PrimeLending	0.03%	(3.5)	1.54%
SunTrust Bank	0.03%	(3.5)	7.18%
JPMorgan Chase Bank	0.04%	(3.5)	6.67%
BBVA	0.04%	(3.5)	4.62%
Ameris Bank	0.04%	(3.5)	2.05%
Quicken Loans	0.06%	(3.0)	5.64%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.32%	(5.0)	16.68%
Caliber Home Loans	-0.14%	(4.0)	2.85%
PennyMac Loan Services	-0.14%	(4.0)	2.47%
Lakeview Loan Servicing	-0.13%	(4.0)	1.71%
Home Point Financial Corporation	-0.11%	(4.0)	1.08%
US Bank	-0.10%	(4.0)	0.62%
NBKC Bank	-0.10%	(4.0)	1.29%
Prosperity Home Mortgage LLC	-0.09%	(4.0)	0.54%
DHI Mortgage Company Limited	-0.09%	(4.0)	6.36%
Guaranty Home Mortgage Corporation	-0.08%	(4.0)	0.33%
Village Capital	-0.07%	(4.0)	0.36%
Guaranteed Rate	-0.06%	(4.0)	1.24%
HomeAmerican Mortgage Corporation	-0.05%	(4.0)	0.75%
North American Savings Bank	-0.05%	(4.0)	0.46%
Regions Bank	-0.04%	(3.5)	0.51%
Equity Resources	-0.03%	(3.5)	0.17%
SunTrust Bank	-0.02%	(3.5)	0.30%
loanDepot	-0.02%	(3.5)	3.58%
Embrace Home Loans	-0.02%	(3.5)	0.18%
Keller Mortgage	-0.01%	(3.5)	0.11%
Resource Financial Services	-0.01%	(3.5)	0.33%
USAA	-0.01%	(3.5)	5.98%
Wyndham Capital Mortgage	-0.01%	(3.5)	0.15%
Ameris Bank	-0.00%	(3.5)	0.93%
Truist Bank	-0.00%	(3.5)	0.47%
Wells Fargo Bank	-0.00%	(3.5)	0.57%
Florida Capital Bank	-0.00%	(3.5)	0.17%
CenterState Bank	-0.00%	(3.5)	0.08%
Bank of America	0.00%	(3.5)	0.07%
ALCOVA Mortgage	0.01%	(3.5)	0.06%
TBI Mortgage Company	0.01%	(3.5)	0.11%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.29%
Network Funding	0.01%	(3.5)	0.18%
Taylor Morrison Home Funding	0.01%	(3.5)	0.17%
Citibank	0.01%	(3.5)	0.01%
Towne Mortgage Company	0.01%	(3.5)	0.10%
IBERIABANK	0.01%	(3.5)	0.06%
Capital City Home Loans	0.01%	(3.5)	0.11%
Fifth Third Bank	0.01%	(3.5)	0.10%
121 Financial Credit Union	0.01%	(3.5)	0.04%
emmloans	0.01%	(3.5)	0.10%
FirstBank TN	0.02%	(3.5)	0.04%
New American Funding	0.02%	(3.5)	0.25%
Magnolia Bank	0.02%	(3.5)	0.32%
Liberty Savings Bank	0.03%	(3.5)	0.01%
PNC Bank	0.03%	(3.5)	0.04%
Gateway First Bank	0.03%	(3.5)	0.33%
Planet Home Lending	0.03%	(3.5)	0.22%
Hancock Whitney Bank	0.03%	(3.5)	0.14%
TD Bank	0.04%	(3.5)	0.01%
Bank of England AR	0.04%	(3.5)	2.63%
The Mortgage Firm	0.04%	(3.5)	0.01%
Success Mortgage Partners	0.04%	(3.5)	0.14%
HomeBridge Financial Services	0.04%	(3.5)	0.90%
Cornerstone Home Lending	0.04%	(3.5)	0.07%
Bay Equity Home Loans	0.04%	(3.5)	0.11%
Plaza Home Mortgage	0.04%	(3.5)	1.02%
VanDyk Mortgage Corporation	0.04%	(3.5)	0.15%
BBVA	0.04%	(3.5)	0.03%
RoundPoint Mortgage Servicing Corporation	0.04%	(3.5)	0.35%
Contour Mortgage Corporation	0.04%	(3.5)	0.14%
Fair Way Lending	0.04%	(3.5)	0.08%
First Equity Mortgage	0.05%	(3.5)	0.14%
Stockton Mortgage	0.05%	(3.0)	0.08%
NewRez	0.05%	(3.0)	0.40%
AnnieMac Home Mortgage	0.06%	(3.0)	0.35%
Royal United Mortgage	0.06%	(3.0)	0.04%
PRMG Mortgage	0.06%	(3.0)	0.29%
Homeowners Financial Group	0.06%	(3.0)	0.28%
Union Home Mortgage	0.06%	(3.0)	0.84%
Pulte Mortgage LLC	0.06%	(3.0)	0.32%
JPMorgan Chase Bank	0.07%	(3.0)	0.08%
Guild Mortgage Company	0.07%	(3.0)	0.18%
Primary Residential Mortgage Inc	0.07%	(3.0)	0.08%
KBHS Home Loans	0.08%	(3.0)	1.92%
Renasant Bank	0.09%	(3.0)	0.33%
OneTrust Home Loans	0.09%	(3.0)	0.23%
Watson Mortgage Corporation	0.09%	(3.0)	0.86%
First Option Mortgage LLC	0.10%	(3.0)	0.23%
GSF Mortgage Corporation	0.10%	(3.0)	0.08%
Hamilton Group Funding	0.10%	(3.0)	0.82%
Fairway Independent Mortgage Corporation	0.11%	(3.0)	2.16%
SWBC Mortgage	0.11%	(3.0)	0.79%
Nations Direct Mortgage	0.11%	(3.0)	0.18%
Cardinal Financial Company	0.11%	(3.0)	0.66%
Stearns Home Loans	0.11%	(3.0)	0.48%
Geneva Financial Home Loans	0.11%	(3.0)	0.08%
Movement Mortgage	0.12%	(3.0)	1.26%
First Federal Bank of Florida	0.12%	(3.0)	1.17%
Nations Lending Corporation	0.14%	(3.0)	0.30%
HomeStar Financial	0.14%	(3.0)	0.22%
Freedom Mortgage Corporation	0.14%	(3.0)	1.55%
TIAA Bank	0.14%	(3.0)	0.43%
Academy Mortgage Corporation Utah	0.17%	(2.5)	1.04%
Quicken Loans	0.17%	(2.5)	6.40%
Finance of America Mortgage	0.17%	(2.5)	0.19%
Synergy One Lending	0.17%	(2.5)	0.46%
R P Funding	0.17%	(2.5)	0.62%
Carrington Mortgage Services	0.18%	(2.5)	2.03%
FBC Mortgage	0.19%	(2.5)	0.90%
CMG Financial	0.19%	(2.5)	0.40%
Flagstar Bank	0.21%	(2.5)	1.93%
Mattamy Home Funding	0.22%	(2.5)	1.08%
PrimeLending	0.22%	(2.5)	4.15%
Barrington Bank & Trust	0.24%	(2.5)	0.47%
The Federal Savings Bank	0.25%	(2.5)	1.30%
Equity Prime Mortgage	0.25%	(2.0)	0.44%
Mr. Cooper	0.28%	(2.0)	1.34%
NewDay USA	0.58%	(1.0)	1.78%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.31%	(5.0)	21.44%
US Bank	-0.09%	(4.0)	0.87%
PennyMac Loan Services	-0.09%	(4.0)	0.40%
NBKC Bank	-0.09%	(4.0)	1.71%
Prosperity Home Mortgage LLC	-0.07%	(4.0)	0.81%
North American Savings Bank	-0.07%	(4.0)	0.35%
DHI Mortgage Company Limited	-0.07%	(4.0)	9.58%
Guaranty Home Mortgage Corporation	-0.06%	(4.0)	0.48%
Guaranteed Rate	-0.05%	(3.5)	1.64%
HomeAmerican Mortgage Corporation	-0.03%	(3.5)	1.12%
NewRez	-0.02%	(3.5)	0.17%
Regions Bank	-0.02%	(3.5)	0.71%
Equity Resources	-0.02%	(3.5)	0.17%
Home Point Financial Corporation	-0.01%	(3.5)	0.44%
Wells Fargo Bank	-0.01%	(3.5)	0.71%
SunTrust Bank	-0.00%	(3.5)	0.37%
Quicken Loans	-0.00%	(3.5)	3.41%
Resource Financial Services	0.01%	(3.5)	0.42%
Keller Mortgage	0.01%	(3.5)	0.17%
Truist Bank	0.01%	(3.5)	0.54%
CenterState Bank	0.01%	(3.5)	0.08%
Caliber Home Loans	0.02%	(3.5)	1.81%
Ameris Bank	0.02%	(3.5)	1.15%
Bank of America	0.02%	(3.5)	0.10%
emmloans	0.03%	(3.5)	0.08%
TBI Mortgage Company	0.03%	(3.5)	0.17%
Wyndham Capital Mortgage	0.03%	(3.5)	0.08%
Freedom Mortgage Corporation	0.03%	(3.5)	0.77%
Network Funding	0.03%	(3.5)	0.27%
Taylor Morrison Home Funding	0.03%	(3.5)	0.25%
Towne Mortgage Company	0.03%	(3.5)	0.12%
IBERIABANK	0.03%	(3.5)	0.04%
Citibank	0.03%	(3.5)	0.02%
Capital City Home Loans	0.04%	(3.5)	0.17%
ALCOVA Mortgage	0.04%	(3.5)	0.02%
Lakeview Loan Servicing	0.04%	(3.5)	0.17%
FirstBank TN	0.04%	(3.5)	0.04%
Florida Capital Bank	0.04%	(3.5)	0.10%
Fifth Third Bank	0.05%	(3.5)	0.04%
The Federal Savings Bank	0.05%	(3.5)	0.04%
USAA	0.05%	(3.5)	6.06%
Liberty Savings Bank	0.05%	(3.5)	0.02%
Gateway First Bank	0.06%	(3.0)	0.46%
TD Bank	0.06%	(3.0)	0.02%
Bay Equity Home Loans	0.06%	(3.0)	0.10%
The Mortgage Firm	0.06%	(3.0)	0.02%
Success Mortgage Partners	0.06%	(3.0)	0.21%
Bank of England AR	0.06%	(3.0)	3.46%
PNC Bank	0.06%	(3.0)	0.04%
Embrace Home Loans	0.06%	(3.0)	0.02%
BBVA	0.06%	(3.0)	0.04%
Cornerstone Home Lending	0.06%	(3.0)	0.08%
Hancock Whitney Bank	0.06%	(3.0)	0.17%
HomeBridge Financial Services	0.06%	(3.0)	0.58%
Contour Mortgage Corporation	0.07%	(3.0)	0.10%
First Equity Mortgage	0.07%	(3.0)	0.21%
Planet Home Lending	0.07%	(3.0)	0.06%
Fair Way Lending	0.07%	(3.0)	0.10%
Amerisave Mortgage Corporation	0.07%	(3.0)	0.06%
Stockton Mortgage	0.07%	(3.0)	0.12%
Nations Lending Corporation	0.07%	(3.0)	0.04%
Magnolia Bank	0.08%	(3.0)	0.08%
Homeowners Financial Group	0.08%	(3.0)	0.42%
Pulte Mortgage LLC	0.08%	(3.0)	0.48%
R P Funding	0.09%	(3.0)	0.10%
AnnieMac Home Mortgage	0.09%	(3.0)	0.44%
JPMorgan Chase Bank	0.09%	(3.0)	0.12%
New American Funding	0.09%	(3.0)	0.21%
Union Home Mortgage	0.10%	(3.0)	1.02%
KBHS Home Loans	0.10%	(3.0)	2.89%
Synergy One Lending	0.10%	(3.0)	0.08%
Primary Residential Mortgage Inc	0.11%	(3.0)	0.08%
VanDyk Mortgage Corporation	0.11%	(3.0)	0.10%
Renasant Bank	0.11%	(3.0)	0.48%
OneTrust Home Loans	0.11%	(3.0)	0.33%
Plaza Home Mortgage	0.12%	(3.0)	1.04%
PRMG Mortgage	0.12%	(3.0)	0.21%
GSF Mortgage Corporation	0.12%	(3.0)	0.12%
Watson Mortgage Corporation	0.13%	(3.0)	1.15%
First Federal Bank of Florida	0.13%	(3.0)	0.62%
First Option Mortgage LLC	0.13%	(3.0)	0.29%
Hamilton Group Funding	0.14%	(3.0)	1.06%
Movement Mortgage	0.14%	(3.0)	1.83%
NewDay USA	0.15%	(3.0)	0.27%
Stearns Home Loans	0.15%	(2.5)	0.62%
Geneva Financial Home Loans	0.15%	(2.5)	0.10%
Guild Mortgage Company	0.15%	(2.5)	0.15%
Nations Direct Mortgage	0.15%	(2.5)	0.21%
Fairway Independent Mortgage Corporation	0.15%	(2.5)	2.71%
Cardinal Financial Company	0.15%	(2.5)	0.69%
HomeStar Financial	0.16%	(2.5)	0.33%
SWBC Mortgage	0.17%	(2.5)	0.92%
TIAA Bank	0.17%	(2.5)	0.60%
Academy Mortgage Corporation Utah	0.21%	(2.5)	1.39%
Finance of America Mortgage	0.22%	(2.5)	0.25%
FBC Mortgage	0.22%	(2.5)	1.29%
Mr. Cooper	0.23%	(2.5)	0.81%
CMG Financial	0.23%	(2.5)	0.54%
Mattamy Home Funding	0.24%	(2.5)	1.62%
PrimeLending	0.25%	(2.5)	5.98%
Barrington Bank & Trust	0.27%	(2.0)	0.69%
loanDepot	0.27%	(2.0)	1.67%
Equity Prime Mortgage	0.29%	(2.0)	0.62%
Flagstar Bank	0.35%	(1.5)	1.81%
Carrington Mortgage Services	0.37%	(1.5)	0.50%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.29%	(5.0)	7.27%
Caliber Home Loans	-0.28%	(5.0)	4.89%
Lakeview Loan Servicing	-0.19%	(4.5)	4.77%
Home Point Financial Corporation	-0.19%	(4.5)	2.34%
PennyMac Loan Services	-0.18%	(4.5)	6.57%
loanDepot	-0.18%	(4.5)	7.35%
USAA	-0.13%	(4.0)	5.83%
Plaza Home Mortgage	-0.12%	(4.0)	0.99%
Village Capital	-0.11%	(4.0)	1.07%
New American Funding	-0.08%	(4.0)	0.33%
NBKC Bank	-0.07%	(4.0)	0.45%
Fairway Independent Mortgage Corporation	-0.06%	(4.0)	1.07%
Ameris Bank	-0.06%	(4.0)	0.49%
Embrace Home Loans	-0.06%	(4.0)	0.49%
Florida Capital Bank	-0.06%	(4.0)	0.29%
Wyndham Capital Mortgage	-0.06%	(4.0)	0.29%
SWBC Mortgage	-0.06%	(4.0)	0.53%
Guaranteed Rate	-0.06%	(4.0)	0.45%
Union Home Mortgage	-0.05%	(4.0)	0.49%
Equity Resources	-0.05%	(4.0)	0.16%
North American Savings Bank	-0.05%	(4.0)	0.66%
Guild Mortgage Company	-0.05%	(3.5)	0.25%
SunTrust Bank	-0.05%	(3.5)	0.16%
VanDyk Mortgage Corporation	-0.05%	(3.5)	0.25%
FBC Mortgage	-0.04%	(3.5)	0.12%
AnnieMac Home Mortgage	-0.04%	(3.5)	0.16%
Amerisave Mortgage Corporation	-0.04%	(3.5)	0.74%
Watson Mortgage Corporation	-0.04%	(3.5)	0.29%
ALCOVA Mortgage	-0.04%	(3.5)	0.12%
Academy Mortgage Corporation Utah	-0.04%	(3.5)	0.33%
Gateway First Bank	-0.04%	(3.5)	0.08%
Hancock Whitney Bank	-0.04%	(3.5)	0.08%
Fifth Third Bank	-0.03%	(3.5)	0.21%
Flagstar Bank	-0.03%	(3.5)	2.18%
Hamilton Group Funding	-0.03%	(3.5)	0.33%
Resource Financial Services	-0.03%	(3.5)	0.16%
IBERIABANK	-0.03%	(3.5)	0.08%
121 Financial Credit Union	-0.03%	(3.5)	0.12%
TIAA Bank	-0.03%	(3.5)	0.08%
PNC Bank	-0.03%	(3.5)	0.04%
CenterState Bank	-0.03%	(3.5)	0.08%
Magnolia Bank	-0.02%	(3.5)	0.78%
PRMG Mortgage	-0.02%	(3.5)	0.45%
Bank of England AR	-0.02%	(3.5)	0.99%
Finance of America Mortgage	-0.02%	(3.5)	0.08%
CMG Financial	-0.02%	(3.5)	0.12%
Stearns Home Loans	-0.02%	(3.5)	0.21%
Truist Bank	-0.02%	(3.5)	0.33%
OneTrust Home Loans	-0.02%	(3.5)	0.04%
First Option Mortgage LLC	-0.02%	(3.5)	0.12%
Barrington Bank & Trust	-0.02%	(3.5)	0.04%
Cornerstone Home Lending	-0.02%	(3.5)	0.04%
Towne Mortgage Company	-0.02%	(3.5)	0.04%
Fair Way Lending	-0.01%	(3.5)	0.04%
emmloans	-0.01%	(3.5)	0.12%
FirstBank TN	-0.01%	(3.5)	0.04%
Renasant Bank	-0.01%	(3.5)	0.04%
US Bank	-0.01%	(3.5)	0.12%
Movement Mortgage	-0.01%	(3.5)	0.12%
Planet Home Lending	-0.01%	(3.5)	0.53%
Regions Bank	-0.01%	(3.5)	0.12%
PrimeLending	-0.01%	(3.5)	0.53%
Geneva Financial Home Loans	-0.01%	(3.5)	0.04%
HomeBridge Financial Services	-0.01%	(3.5)	1.52%
Guaranty Home Mortgage Corporation	-0.00%	(3.5)	0.04%
Nations Direct Mortgage	-0.00%	(3.5)	0.12%
Contour Mortgage Corporation	-0.00%	(3.5)	0.21%
Primary Residential Mortgage Inc	-0.00%	(3.5)	0.08%
RoundPoint Mortgage Servicing Corporation	-0.00%	(3.5)	1.03%
Equity Prime Mortgage	-0.00%	(3.5)	0.08%
Bay Equity Home Loans	-0.00%	(3.5)	0.12%
Royal United Mortgage	0.01%	(3.5)	0.12%
Cardinal Financial Company	0.02%	(3.5)	0.62%
NewRez	0.05%	(3.5)	0.86%
Wells Fargo Bank	0.07%	(3.0)	0.29%
First Federal Bank of Florida	0.09%	(3.0)	2.26%
Carrington Mortgage Services	0.10%	(3.0)	5.05%
Nations Lending Corporation	0.10%	(3.0)	0.82%
Synergy One Lending	0.14%	(3.0)	1.19%
R P Funding	0.14%	(3.0)	1.64%
Freedom Mortgage Corporation	0.17%	(2.5)	3.08%
The Federal Savings Bank	0.21%	(2.5)	3.78%
Quicken Loans	0.23%	(2.5)	12.28%
Mr. Cooper	0.29%	(2.0)	2.38%
NewDay USA	0.58%	(1.0)	4.77%

* Data is compiled for the Jacksonville, FL commuting zone area, which comprises of counties of Baker County, FL, Bradford County, FL, Clay County, FL, Duval County, FL, Nassau County, FL, Putnam County, FL, St. Johns County, FL, Union County, FL, Camden County, GA, and Charlton County, GA. This includes cities/towns/communities of Jacksonville, FL as well as World Golf Village, FL, Fruit Cove, FL, Nocatee, FL, Oakleaf Plantation, FL, Yulee, FL, St. Marys, GA, Fleming Island, FL, Fernandina Beach, FL, Jacksonville Beach, FL, Lakeside, FL, St. Augustine Shores, FL, Palm Valley, FL, Asbury Lake, FL, St. Augustine, FL, Green Cove Springs, FL, Kingsland, GA, St. Augustine Beach, FL, Orange Park, FL, Middleburg, FL, Atlantic Beach, FL, Macclenny, FL, Keystone Heights, FL, Interlachen, FL, Villano Beach, FL, Butler Beach, FL, Palatka, FL, Sawgrass, FL, Neptune Beach, FL, Nassau Village-Ratliff, FL, Starke, FL, Bellair-Meadowbrook Terrace, FL, Callahan, FL, Hilliard, FL, Hampton, FL, Hastings, FL, Glen St. Mary, FL, Homeland, GA, Welaka, FL, Pomona Park, FL, Lake Butler, FL, Crescent Beach, FL, Lawtey, FL, East Palatka, FL, Worthington Springs, FL, Crescent City, FL, and Raiford, 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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