Top Mortgage Lenders in Columbia, SC

Which mortgage lender in the Columbia, SC 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 Columbia, SC 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 Columbia, SC area in terms of interest rate is DHI Mortgage Company Limited, with an average “Rate Difference” of -0.27%. This means that, comparing similar borrowers, DHI Mortgage Company Limited provided a -0.27% lower interest rate for its customers than other lenders in the area. DHI Mortgage Company Limited has a market share of 1.5%. On the other hand, the most popular lender in the Columbia, SC area is Guild Mortgage Company, with a larger market share of 11.8%. Guild Mortgage Company is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.00% compared to those of other lenders in this area.

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

Ranking of Mortgage Lenders in Columbia, SC

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
DHI Mortgage Company Limited	-0.27%	(5.0)	1.50%
SC State Credit Union	-0.24%	(4.5)	0.61%
Trustmark National Bank	-0.16%	(4.5)	1.34%
TD Bank	-0.13%	(4.0)	0.97%
Southern First Bank	-0.12%	(4.0)	3.50%
Renasant Bank	-0.11%	(4.0)	0.44%
Palmetto Citizens Federal Credit Union	-0.11%	(4.0)	0.85%
Mortgage Network, Inc	-0.09%	(4.0)	1.72%
Ameris Bank	-0.09%	(4.0)	5.03%
Amerisave Mortgage Corporation	-0.08%	(4.0)	0.29%
Truist Bank	-0.08%	(4.0)	1.81%
Magnolia Bank	-0.07%	(4.0)	0.79%
Navy Federal Credit Union	-0.07%	(4.0)	2.33%
Freedom Mortgage Corporation	-0.07%	(4.0)	1.88%
South State Bank	-0.06%	(4.0)	1.08%
Regions Bank	-0.06%	(4.0)	1.10%
PennyMac Loan Services	-0.06%	(4.0)	0.67%
North American Savings Bank	-0.06%	(4.0)	0.22%
Home Point Financial Corporation	-0.06%	(4.0)	0.28%
USAA	-0.05%	(4.0)	2.73%
Caliber Home Loans	-0.05%	(4.0)	0.95%
Assurance Financial	-0.05%	(3.5)	0.76%
NBKC Bank	-0.05%	(3.5)	0.27%
Flagstar Bank	-0.05%	(3.5)	0.51%
SunTrust Bank	-0.04%	(3.5)	0.63%
South Carolina Federal Credit Union	-0.04%	(3.5)	0.43%
Gateway First Bank	-0.03%	(3.5)	1.18%
Resource Financial Services	-0.03%	(3.5)	3.15%
Village Capital	-0.03%	(3.5)	0.25%
Guaranteed Rate Affinity	-0.03%	(3.5)	1.74%
NewRez	-0.03%	(3.5)	0.31%
US Bank	-0.03%	(3.5)	0.39%
First Reliance Bank	-0.02%	(3.5)	0.89%
Towne Mortgage Company	-0.02%	(3.5)	1.22%
Wells Fargo Bank	-0.02%	(3.5)	3.12%
NVR Mortgage Finance Inc	-0.02%	(3.5)	0.21%
Lakeview Loan Servicing	-0.01%	(3.5)	0.46%
Bank of America	-0.01%	(3.5)	2.17%
First Community Bank – SC & GA	-0.01%	(3.5)	1.99%
Movement Mortgage	-0.01%	(3.5)	5.60%
Academy Mortgage Corporation Utah	-0.00%	(3.5)	0.26%
PRMG Mortgage	0.00%	(3.5)	0.20%
CMG Financial	0.00%	(3.5)	0.53%
First Citizens Bank	0.00%	(3.5)	2.64%
Guild Mortgage Company	0.00%	(3.5)	11.80%
loanDepot	0.00%	(3.5)	1.73%
JPMorgan Chase Bank	0.01%	(3.5)	0.48%
Cardinal Financial Company	0.01%	(3.5)	0.46%
Synovus Bank	0.01%	(3.5)	0.45%
Atlantic Bay Mortgage Group	0.02%	(3.5)	0.24%
Angel Oak Home Loans	0.02%	(3.5)	0.48%
FirstBank TN	0.02%	(3.5)	0.45%
Fairway Independent Mortgage Corporation	0.02%	(3.5)	0.54%
Success Mortgage Partners	0.03%	(3.5)	2.01%
HomeBridge Financial Services	0.05%	(3.5)	0.22%
PNC Bank	0.05%	(3.5)	0.22%
Certainty Home Loans	0.05%	(3.0)	0.25%
Carrington Mortgage Services	0.06%	(3.0)	0.90%
Finance of America Mortgage	0.06%	(3.0)	0.54%
Network Funding	0.06%	(3.0)	0.95%
First Federal Bank of Florida	0.06%	(3.0)	0.22%
OneTrust Home Loans	0.07%	(3.0)	0.23%
Supreme Lending	0.08%	(3.0)	0.27%
The Federal Savings Bank	0.08%	(3.0)	0.38%
Reliance First Capital	0.09%	(3.0)	0.24%
PrimeLending	0.09%	(3.0)	1.49%
Bay Equity Home Loans	0.09%	(3.0)	1.20%
New American Funding	0.12%	(3.0)	2.36%
Quicken Loans	0.13%	(3.0)	7.19%
Barrington Bank & Trust	0.14%	(3.0)	0.26%
LendUS LLC	0.16%	(2.5)	2.96%
Mr. Cooper	0.16%	(2.5)	1.00%
NewDay USA	0.52%	(1.0)	0.43%
Mortgage Solutions Financial	0.67%	(1.0)	1.06%

Lender Name	Rate Difference	Rate Rating	Market Share
DHI Mortgage Company Limited	-0.27%	(5.0)	2.16%
Trustmark National Bank	-0.18%	(4.5)	1.54%
TD Bank	-0.14%	(4.0)	0.85%
Truist Bank	-0.14%	(4.0)	1.44%
Renasant Bank	-0.14%	(4.0)	0.49%
Wells Fargo Bank	-0.12%	(4.0)	2.93%
Southern First Bank	-0.11%	(4.0)	3.48%
Freedom Mortgage Corporation	-0.10%	(4.0)	2.08%
Mortgage Network, Inc	-0.10%	(4.0)	2.03%
Magnolia Bank	-0.08%	(4.0)	0.71%
Ameris Bank	-0.08%	(4.0)	6.38%
JPMorgan Chase Bank	-0.07%	(4.0)	0.32%
Regions Bank	-0.07%	(4.0)	1.28%
North American Savings Bank	-0.07%	(4.0)	0.19%
Caliber Home Loans	-0.07%	(4.0)	0.84%
Navy Federal Credit Union	-0.07%	(4.0)	2.92%
South Carolina Federal Credit Union	-0.06%	(4.0)	0.41%
SC State Credit Union	-0.06%	(4.0)	0.30%
South State Bank	-0.05%	(4.0)	1.03%
Flagstar Bank	-0.05%	(4.0)	0.38%
SunTrust Bank	-0.05%	(4.0)	0.55%
Assurance Financial	-0.05%	(3.5)	0.90%
NBKC Bank	-0.04%	(3.5)	0.22%
USAA	-0.04%	(3.5)	2.91%
Gateway First Bank	-0.04%	(3.5)	1.53%
US Bank	-0.03%	(3.5)	0.35%
Lakeview Loan Servicing	-0.03%	(3.5)	0.04%
Towne Mortgage Company	-0.03%	(3.5)	1.16%
Guaranteed Rate Affinity	-0.02%	(3.5)	2.27%
First Reliance Bank	-0.02%	(3.5)	0.93%
Resource Financial Services	-0.02%	(3.5)	3.74%
NVR Mortgage Finance Inc	-0.01%	(3.5)	0.30%
First Federal Bank of Florida	-0.01%	(3.5)	0.10%
PennyMac Loan Services	-0.01%	(3.5)	0.07%
Bank of America	-0.01%	(3.5)	1.91%
PNC Bank	-0.00%	(3.5)	0.13%
CMG Financial	-0.00%	(3.5)	0.64%
Academy Mortgage Corporation Utah	-0.00%	(3.5)	0.36%
Home Point Financial Corporation	0.00%	(3.5)	0.19%
First Community Bank – SC & GA	0.00%	(3.5)	2.14%
Reliance First Capital	0.00%	(3.5)	0.01%
Movement Mortgage	0.00%	(3.5)	6.99%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.05%
PRMG Mortgage	0.01%	(3.5)	0.21%
The Federal Savings Bank	0.01%	(3.5)	0.10%
Cardinal Financial Company	0.01%	(3.5)	0.31%
NewRez	0.02%	(3.5)	0.10%
Angel Oak Home Loans	0.02%	(3.5)	0.64%
NewDay USA	0.02%	(3.5)	0.04%
Success Mortgage Partners	0.02%	(3.5)	2.25%
FirstBank TN	0.02%	(3.5)	0.49%
Palmetto Citizens Federal Credit Union	0.02%	(3.5)	0.44%
Atlantic Bay Mortgage Group	0.02%	(3.5)	0.28%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	0.70%
Synovus Bank	0.03%	(3.5)	0.47%
Guild Mortgage Company	0.03%	(3.5)	13.98%
First Citizens Bank	0.04%	(3.5)	1.92%
HomeBridge Financial Services	0.06%	(3.0)	0.19%
Certainty Home Loans	0.06%	(3.0)	0.32%
Finance of America Mortgage	0.07%	(3.0)	0.51%
Network Funding	0.08%	(3.0)	1.04%
OneTrust Home Loans	0.08%	(3.0)	0.30%
Supreme Lending	0.09%	(3.0)	0.26%
Mr. Cooper	0.09%	(3.0)	0.43%
Carrington Mortgage Services	0.10%	(3.0)	0.27%
Bay Equity Home Loans	0.10%	(3.0)	1.53%
Quicken Loans	0.10%	(3.0)	3.24%
PrimeLending	0.10%	(3.0)	1.66%
loanDepot	0.10%	(3.0)	0.82%
New American Funding	0.15%	(2.5)	2.81%
Barrington Bank & Trust	0.16%	(2.5)	0.31%
LendUS LLC	0.19%	(2.5)	3.76%
Mortgage Solutions Financial	0.78%	(1.0)	1.31%

Lender Name	Rate Difference	Rate Rating	Market Share
SC State Credit Union	-0.35%	(5.0)	1.31%
Palmetto Citizens Federal Credit Union	-0.19%	(4.5)	1.78%
Ameris Bank	-0.15%	(4.0)	1.97%
Southern First Bank	-0.15%	(4.0)	3.55%
Navy Federal Credit Union	-0.13%	(4.0)	1.00%
Guild Mortgage Company	-0.12%	(4.0)	6.87%
Trustmark National Bank	-0.11%	(4.0)	0.87%
Home Point Financial Corporation	-0.11%	(4.0)	0.48%
Resource Financial Services	-0.11%	(4.0)	1.83%
TD Bank	-0.10%	(4.0)	1.25%
USAA	-0.10%	(4.0)	2.35%
Amerisave Mortgage Corporation	-0.10%	(4.0)	0.83%
Movement Mortgage	-0.07%	(4.0)	2.45%
South State Bank	-0.07%	(4.0)	1.20%
PennyMac Loan Services	-0.07%	(4.0)	2.03%
Guaranteed Rate Affinity	-0.06%	(4.0)	0.54%
Magnolia Bank	-0.06%	(4.0)	0.98%
New American Funding	-0.06%	(4.0)	1.33%
Assurance Financial	-0.06%	(4.0)	0.46%
NBKC Bank	-0.05%	(4.0)	0.39%
loanDepot	-0.05%	(3.5)	3.78%
Mortgage Solutions Financial	-0.05%	(3.5)	0.48%
North American Savings Bank	-0.04%	(3.5)	0.27%
NewRez	-0.04%	(3.5)	0.77%
First Community Bank – SC & GA	-0.04%	(3.5)	1.64%
Mortgage Network, Inc	-0.04%	(3.5)	1.02%
LendUS LLC	-0.04%	(3.5)	1.14%
Flagstar Bank	-0.04%	(3.5)	0.79%
First Citizens Bank	-0.03%	(3.5)	4.30%
Synovus Bank	-0.03%	(3.5)	0.42%
First Reliance Bank	-0.03%	(3.5)	0.79%
Village Capital	-0.03%	(3.5)	0.83%
Atlantic Bay Mortgage Group	-0.03%	(3.5)	0.12%
Caliber Home Loans	-0.02%	(3.5)	1.18%
SunTrust Bank	-0.02%	(3.5)	0.81%
Renasant Bank	-0.02%	(3.5)	0.33%
PRMG Mortgage	-0.02%	(3.5)	0.19%
US Bank	-0.02%	(3.5)	0.48%
Lakeview Loan Servicing	-0.01%	(3.5)	1.41%
Bank of America	-0.01%	(3.5)	2.76%
Certainty Home Loans	-0.01%	(3.5)	0.08%
Gateway First Bank	-0.01%	(3.5)	0.39%
Academy Mortgage Corporation Utah	-0.01%	(3.5)	0.04%
OneTrust Home Loans	-0.00%	(3.5)	0.06%
Towne Mortgage Company	-0.00%	(3.5)	1.35%
Regions Bank	-0.00%	(3.5)	0.68%
Truist Bank	-0.00%	(3.5)	2.64%
Cardinal Financial Company	0.00%	(3.5)	0.79%
Network Funding	0.01%	(3.5)	0.75%
Angel Oak Home Loans	0.01%	(3.5)	0.10%
Bay Equity Home Loans	0.01%	(3.5)	0.44%
South Carolina Federal Credit Union	0.01%	(3.5)	0.46%
FirstBank TN	0.02%	(3.5)	0.33%
CMG Financial	0.02%	(3.5)	0.29%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	0.19%
HomeBridge Financial Services	0.03%	(3.5)	0.27%
Barrington Bank & Trust	0.03%	(3.5)	0.15%
Success Mortgage Partners	0.03%	(3.5)	1.45%
Finance of America Mortgage	0.04%	(3.5)	0.60%
Carrington Mortgage Services	0.04%	(3.5)	2.35%
PrimeLending	0.05%	(3.5)	1.12%
Supreme Lending	0.06%	(3.0)	0.31%
Freedom Mortgage Corporation	0.06%	(3.0)	1.43%
JPMorgan Chase Bank	0.08%	(3.0)	0.83%
PNC Bank	0.08%	(3.0)	0.42%
Reliance First Capital	0.09%	(3.0)	0.77%
First Federal Bank of Florida	0.09%	(3.0)	0.48%
The Federal Savings Bank	0.09%	(3.0)	1.00%
Quicken Loans	0.14%	(3.0)	16.13%
Wells Fargo Bank	0.18%	(2.5)	3.55%
Mr. Cooper	0.19%	(2.5)	2.28%
NewDay USA	0.55%	(1.0)	1.33%

Lender Name	Rate Difference	Rate Rating	Market Share
DHI Mortgage Company Limited	-0.27%	(5.0)	1.33%
SC State Credit Union	-0.25%	(4.5)	1.13%
TD Bank	-0.14%	(4.0)	1.55%
Amerisave Mortgage Corporation	-0.12%	(4.0)	0.35%
Southern First Bank	-0.12%	(4.0)	4.62%
Palmetto Citizens Federal Credit Union	-0.12%	(4.0)	1.53%
Gateway First Bank	-0.11%	(4.0)	0.71%
Mortgage Network, Inc	-0.11%	(4.0)	2.39%
Truist Bank	-0.08%	(4.0)	3.12%
Flagstar Bank	-0.08%	(4.0)	0.51%
Ameris Bank	-0.07%	(4.0)	4.35%
South State Bank	-0.07%	(4.0)	1.85%
US Bank	-0.06%	(4.0)	0.44%
Renasant Bank	-0.06%	(4.0)	0.39%
Magnolia Bank	-0.06%	(4.0)	0.79%
Trustmark National Bank	-0.05%	(4.0)	0.71%
NewRez	-0.05%	(4.0)	0.32%
SunTrust Bank	-0.05%	(4.0)	0.87%
Regions Bank	-0.05%	(3.5)	1.33%
NVR Mortgage Finance Inc	-0.05%	(3.5)	0.15%
Assurance Financial	-0.04%	(3.5)	0.66%
Resource Financial Services	-0.04%	(3.5)	3.42%
South Carolina Federal Credit Union	-0.04%	(3.5)	0.79%
loanDepot	-0.03%	(3.5)	1.25%
First Reliance Bank	-0.03%	(3.5)	1.52%
Guaranteed Rate Affinity	-0.02%	(3.5)	1.73%
Towne Mortgage Company	-0.02%	(3.5)	1.04%
Academy Mortgage Corporation Utah	-0.02%	(3.5)	0.19%
Guild Mortgage Company	-0.02%	(3.5)	12.42%
First Federal Bank of Florida	-0.01%	(3.5)	0.12%
Wells Fargo Bank	-0.01%	(3.5)	5.30%
NBKC Bank	-0.01%	(3.5)	0.14%
Home Point Financial Corporation	-0.01%	(3.5)	0.14%
Atlantic Bay Mortgage Group	-0.00%	(3.5)	0.21%
Bank of America	0.00%	(3.5)	3.65%
First Citizens Bank	0.00%	(3.5)	4.17%
The Federal Savings Bank	0.00%	(3.5)	0.09%
JPMorgan Chase Bank	0.01%	(3.5)	0.81%
FirstBank TN	0.01%	(3.5)	0.37%
North American Savings Bank	0.01%	(3.5)	0.12%
CMG Financial	0.01%	(3.5)	0.28%
Certainty Home Loans	0.01%	(3.5)	0.09%
OneTrust Home Loans	0.01%	(3.5)	0.19%
Cardinal Financial Company	0.01%	(3.5)	0.28%
Barrington Bank & Trust	0.02%	(3.5)	0.06%
Caliber Home Loans	0.02%	(3.5)	0.42%
First Community Bank – SC & GA	0.02%	(3.5)	2.81%
Fairway Independent Mortgage Corporation	0.02%	(3.5)	0.42%
Synovus Bank	0.02%	(3.5)	0.61%
Success Mortgage Partners	0.02%	(3.5)	2.24%
Finance of America Mortgage	0.03%	(3.5)	0.55%
USAA	0.03%	(3.5)	1.30%
Mortgage Solutions Financial	0.03%	(3.5)	0.05%
HomeBridge Financial Services	0.04%	(3.5)	0.05%
PRMG Mortgage	0.04%	(3.5)	0.09%
New American Funding	0.04%	(3.5)	1.38%
PNC Bank	0.05%	(3.0)	0.38%
Carrington Mortgage Services	0.06%	(3.0)	0.27%
Movement Mortgage	0.06%	(3.0)	4.58%
PennyMac Loan Services	0.06%	(3.0)	0.27%
LendUS LLC	0.07%	(3.0)	2.37%
Network Funding	0.07%	(3.0)	1.08%
Freedom Mortgage Corporation	0.07%	(3.0)	0.53%
Angel Oak Home Loans	0.08%	(3.0)	0.27%
Bay Equity Home Loans	0.09%	(3.0)	0.97%
Reliance First Capital	0.10%	(3.0)	0.19%
Supreme Lending	0.11%	(3.0)	0.20%
PrimeLending	0.15%	(2.5)	1.90%
Quicken Loans	0.20%	(2.5)	7.58%
Mr. Cooper	0.21%	(2.5)	0.53%
Navy Federal Credit Union	0.42%	(1.5)	1.48%

Lender Name	Rate Difference	Rate Rating	Market Share
DHI Mortgage Company Limited	-0.27%	(5.0)	2.00%
TD Bank	-0.16%	(4.5)	1.41%
Truist Bank	-0.15%	(4.5)	2.56%
Gateway First Bank	-0.13%	(4.0)	0.87%
Wells Fargo Bank	-0.13%	(4.0)	5.07%
Mortgage Network, Inc	-0.12%	(4.0)	2.93%
Southern First Bank	-0.09%	(4.0)	4.45%
Flagstar Bank	-0.09%	(4.0)	0.42%
JPMorgan Chase Bank	-0.08%	(4.0)	0.58%
Renasant Bank	-0.07%	(4.0)	0.42%
South Carolina Federal Credit Union	-0.07%	(4.0)	0.80%
SunTrust Bank	-0.06%	(4.0)	0.85%
Regions Bank	-0.06%	(4.0)	1.48%
South State Bank	-0.06%	(4.0)	1.84%
Trustmark National Bank	-0.06%	(4.0)	0.88%
SC State Credit Union	-0.06%	(4.0)	0.58%
Ameris Bank	-0.06%	(4.0)	5.67%
US Bank	-0.05%	(4.0)	0.44%
Towne Mortgage Company	-0.05%	(4.0)	0.85%
NVR Mortgage Finance Inc	-0.05%	(3.5)	0.23%
Magnolia Bank	-0.04%	(3.5)	0.72%
Assurance Financial	-0.04%	(3.5)	0.71%
First Reliance Bank	-0.02%	(3.5)	1.61%
Academy Mortgage Corporation Utah	-0.02%	(3.5)	0.27%
Guaranteed Rate Affinity	-0.02%	(3.5)	2.33%
Resource Financial Services	-0.02%	(3.5)	4.08%
Home Point Financial Corporation	-0.01%	(3.5)	0.18%
NBKC Bank	-0.01%	(3.5)	0.11%
First Federal Bank of Florida	-0.01%	(3.5)	0.11%
PNC Bank	-0.01%	(3.5)	0.21%
CMG Financial	-0.01%	(3.5)	0.30%
PennyMac Loan Services	-0.00%	(3.5)	0.07%
Barrington Bank & Trust	-0.00%	(3.5)	0.04%
Carrington Mortgage Services	-0.00%	(3.5)	0.02%
FirstBank TN	-0.00%	(3.5)	0.34%
NewRez	0.00%	(3.5)	0.02%
Caliber Home Loans	0.00%	(3.5)	0.41%
The Federal Savings Bank	0.01%	(3.5)	0.07%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.04%
Finance of America Mortgage	0.01%	(3.5)	0.39%
Guild Mortgage Company	0.01%	(3.5)	15.21%
Atlantic Bay Mortgage Group	0.01%	(3.5)	0.21%
Bank of America	0.01%	(3.5)	3.20%
North American Savings Bank	0.01%	(3.5)	0.12%
Fairway Independent Mortgage Corporation	0.02%	(3.5)	0.53%
OneTrust Home Loans	0.02%	(3.5)	0.23%
Success Mortgage Partners	0.02%	(3.5)	2.42%
Palmetto Citizens Federal Credit Union	0.02%	(3.5)	0.83%
Certainty Home Loans	0.03%	(3.5)	0.09%
Cardinal Financial Company	0.03%	(3.5)	0.14%
Synovus Bank	0.03%	(3.5)	0.80%
Mortgage Solutions Financial	0.03%	(3.5)	0.07%
HomeBridge Financial Services	0.04%	(3.5)	0.07%
First Community Bank – SC & GA	0.04%	(3.5)	3.06%
Mr. Cooper	0.04%	(3.5)	0.14%
PRMG Mortgage	0.04%	(3.5)	0.12%
loanDepot	0.04%	(3.5)	0.51%
First Citizens Bank	0.05%	(3.0)	2.95%
Movement Mortgage	0.07%	(3.0)	5.97%
New American Funding	0.07%	(3.0)	1.63%
USAA	0.08%	(3.0)	1.47%
Angel Oak Home Loans	0.08%	(3.0)	0.37%
LendUS LLC	0.09%	(3.0)	3.02%
Freedom Mortgage Corporation	0.09%	(3.0)	0.48%
Network Funding	0.10%	(3.0)	1.13%
Bay Equity Home Loans	0.11%	(3.0)	1.18%
Supreme Lending	0.12%	(3.0)	0.19%
Quicken Loans	0.16%	(2.5)	3.53%
PrimeLending	0.19%	(2.5)	2.08%
Navy Federal Credit Union	0.51%	(1.0)	1.89%

Lender Name	Rate Difference	Rate Rating	Market Share
SC State Credit Union	-0.34%	(5.0)	2.23%
Palmetto Citizens Federal Credit Union	-0.19%	(4.5)	2.93%
Southern First Bank	-0.17%	(4.5)	4.95%
Ameris Bank	-0.16%	(4.5)	1.70%
Resource Financial Services	-0.15%	(4.0)	2.08%
Guild Mortgage Company	-0.13%	(4.0)	6.85%
Amerisave Mortgage Corporation	-0.13%	(4.0)	0.99%
TD Bank	-0.11%	(4.0)	1.84%
Navy Federal Credit Union	-0.10%	(4.0)	0.67%
USAA	-0.10%	(4.0)	0.95%
Magnolia Bank	-0.09%	(4.0)	0.92%
New American Funding	-0.08%	(4.0)	0.88%
Guaranteed Rate Affinity	-0.08%	(4.0)	0.53%
South State Bank	-0.08%	(4.0)	1.87%
Flagstar Bank	-0.08%	(4.0)	0.67%
Assurance Financial	-0.07%	(4.0)	0.57%
US Bank	-0.07%	(4.0)	0.42%
loanDepot	-0.06%	(4.0)	2.72%
NewRez	-0.05%	(4.0)	0.92%
Mortgage Network, Inc	-0.04%	(3.5)	1.31%
First Citizens Bank	-0.04%	(3.5)	6.61%
Synovus Bank	-0.04%	(3.5)	0.25%
First Community Bank – SC & GA	-0.04%	(3.5)	2.33%
LendUS LLC	-0.04%	(3.5)	1.06%
First Reliance Bank	-0.03%	(3.5)	1.34%
Atlantic Bay Mortgage Group	-0.03%	(3.5)	0.21%
SunTrust Bank	-0.03%	(3.5)	0.92%
Movement Mortgage	-0.03%	(3.5)	1.80%
First Federal Bank of Florida	-0.02%	(3.5)	0.14%
Trustmark National Bank	-0.02%	(3.5)	0.35%
Certainty Home Loans	-0.01%	(3.5)	0.11%
Renasant Bank	-0.01%	(3.5)	0.32%
Bank of America	-0.01%	(3.5)	4.56%
Gateway First Bank	-0.01%	(3.5)	0.39%
Academy Mortgage Corporation Utah	-0.01%	(3.5)	0.04%
North American Savings Bank	-0.01%	(3.5)	0.11%
NBKC Bank	-0.01%	(3.5)	0.21%
OneTrust Home Loans	-0.00%	(3.5)	0.11%
Regions Bank	-0.00%	(3.5)	1.02%
Truist Bank	-0.00%	(3.5)	4.24%
The Federal Savings Bank	0.00%	(3.5)	0.14%
PRMG Mortgage	0.00%	(3.5)	0.04%
Home Point Financial Corporation	0.00%	(3.5)	0.07%
Network Funding	0.01%	(3.5)	0.99%
Cardinal Financial Company	0.01%	(3.5)	0.57%
Bay Equity Home Loans	0.01%	(3.5)	0.53%
South Carolina Federal Credit Union	0.01%	(3.5)	0.78%
Towne Mortgage Company	0.01%	(3.5)	1.41%
FirstBank TN	0.02%	(3.5)	0.42%
Barrington Bank & Trust	0.03%	(3.5)	0.11%
Success Mortgage Partners	0.04%	(3.5)	1.87%
Angel Oak Home Loans	0.04%	(3.5)	0.07%
Finance of America Mortgage	0.04%	(3.5)	0.88%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	0.21%
Caliber Home Loans	0.04%	(3.5)	0.46%
CMG Financial	0.05%	(3.5)	0.25%
Freedom Mortgage Corporation	0.06%	(3.0)	0.64%
Carrington Mortgage Services	0.06%	(3.0)	0.78%
PrimeLending	0.07%	(3.0)	1.52%
PennyMac Loan Services	0.08%	(3.0)	0.67%
PNC Bank	0.08%	(3.0)	0.71%
JPMorgan Chase Bank	0.09%	(3.0)	1.27%
Supreme Lending	0.09%	(3.0)	0.21%
Reliance First Capital	0.11%	(3.0)	0.57%
Wells Fargo Bank	0.18%	(2.5)	5.76%
Quicken Loans	0.22%	(2.5)	15.68%
Mr. Cooper	0.25%	(2.0)	1.31%

Lender Name	Rate Difference	Rate Rating	Market Share
Trustmark National Bank	-0.25%	(4.5)	1.86%
Renasant Bank	-0.22%	(4.5)	0.70%
Bank of America	-0.22%	(4.5)	0.55%
Southern First Bank	-0.16%	(4.5)	2.42%
Ameris Bank	-0.16%	(4.5)	5.07%
Magnolia Bank	-0.14%	(4.0)	0.76%
Freedom Mortgage Corporation	-0.14%	(4.0)	3.88%
DHI Mortgage Company Limited	-0.12%	(4.0)	0.93%
Regions Bank	-0.11%	(4.0)	0.67%
First Community Bank – SC & GA	-0.11%	(4.0)	2.16%
Assurance Financial	-0.09%	(4.0)	1.19%
PrimeLending	-0.08%	(4.0)	1.57%
Mortgage Network, Inc	-0.07%	(4.0)	1.02%
Navy Federal Credit Union	-0.07%	(4.0)	0.35%
Caliber Home Loans	-0.05%	(4.0)	1.31%
First Reliance Bank	-0.05%	(3.5)	0.17%
Resource Financial Services	-0.04%	(3.5)	3.18%
Movement Mortgage	-0.04%	(3.5)	7.05%
Amerisave Mortgage Corporation	-0.03%	(3.5)	0.23%
Fairway Independent Mortgage Corporation	-0.03%	(3.5)	0.90%
First Federal Bank of Florida	-0.03%	(3.5)	0.12%
First Citizens Bank	-0.03%	(3.5)	1.25%
Guaranteed Rate Affinity	-0.02%	(3.5)	2.19%
Quicken Loans	-0.02%	(3.5)	8.36%
Angel Oak Home Loans	-0.02%	(3.5)	1.17%
TD Bank	-0.02%	(3.5)	0.09%
North American Savings Bank	-0.01%	(3.5)	0.03%
Village Capital	-0.01%	(3.5)	0.50%
Towne Mortgage Company	-0.01%	(3.5)	2.19%
US Bank	-0.01%	(3.5)	0.06%
South State Bank	-0.01%	(3.5)	0.12%
CMG Financial	-0.00%	(3.5)	1.37%
Home Point Financial Corporation	-0.00%	(3.5)	0.26%
Flagstar Bank	-0.00%	(3.5)	0.41%
NewRez	-0.00%	(3.5)	0.35%
SunTrust Bank	-0.00%	(3.5)	0.06%
PennyMac Loan Services	-0.00%	(3.5)	0.52%
Barrington Bank & Trust	0.00%	(3.5)	0.09%
Wells Fargo Bank	0.00%	(3.5)	0.03%
PNC Bank	0.00%	(3.5)	0.03%
NVR Mortgage Finance Inc	0.00%	(3.5)	0.52%
Academy Mortgage Corporation Utah	0.00%	(3.5)	0.61%
Carrington Mortgage Services	0.00%	(3.5)	1.75%
Gateway First Bank	0.01%	(3.5)	2.24%
Cardinal Financial Company	0.02%	(3.5)	0.90%
The Federal Savings Bank	0.02%	(3.5)	0.20%
PRMG Mortgage	0.03%	(3.5)	0.29%
Guild Mortgage Company	0.03%	(3.5)	13.99%
Reliance First Capital	0.04%	(3.5)	0.26%
Atlantic Bay Mortgage Group	0.04%	(3.5)	0.38%
FirstBank TN	0.05%	(3.0)	0.67%
HomeBridge Financial Services	0.05%	(3.0)	0.55%
Network Funding	0.06%	(3.0)	0.96%
Success Mortgage Partners	0.06%	(3.0)	2.19%
Supreme Lending	0.06%	(3.0)	0.47%
Lakeview Loan Servicing	0.07%	(3.0)	0.93%
Certainty Home Loans	0.08%	(3.0)	0.52%
Bay Equity Home Loans	0.08%	(3.0)	2.16%
loanDepot	0.11%	(3.0)	1.95%
Finance of America Mortgage	0.13%	(3.0)	0.58%
OneTrust Home Loans	0.15%	(2.5)	0.38%
Mr. Cooper	0.18%	(2.5)	2.21%
Mortgage Solutions Financial	0.18%	(2.5)	0.52%
New American Funding	0.20%	(2.5)	4.87%
LendUS LLC	0.28%	(2.0)	4.72%

Lender Name	Rate Difference	Rate Rating	Market Share
Trustmark National Bank	-0.28%	(5.0)	1.95%
Renasant Bank	-0.25%	(5.0)	0.76%
Bank of America	-0.22%	(4.5)	0.69%
Magnolia Bank	-0.17%	(4.5)	0.76%
Southern First Bank	-0.17%	(4.5)	2.81%
Ameris Bank	-0.16%	(4.5)	5.99%
Freedom Mortgage Corporation	-0.16%	(4.5)	4.33%
First Community Bank – SC & GA	-0.12%	(4.0)	2.20%
Regions Bank	-0.12%	(4.0)	0.79%
DHI Mortgage Company Limited	-0.12%	(4.0)	1.15%
Assurance Financial	-0.09%	(4.0)	1.41%
PrimeLending	-0.09%	(4.0)	1.66%
Mortgage Network, Inc	-0.08%	(4.0)	1.12%
Navy Federal Credit Union	-0.08%	(4.0)	0.36%
Caliber Home Loans	-0.05%	(4.0)	1.15%
First Citizens Bank	-0.05%	(3.5)	1.19%
First Reliance Bank	-0.05%	(3.5)	0.22%
Resource Financial Services	-0.04%	(3.5)	3.75%
Lakeview Loan Servicing	-0.04%	(3.5)	0.11%
Movement Mortgage	-0.04%	(3.5)	8.12%
PennyMac Loan Services	-0.03%	(3.5)	0.04%
Fairway Independent Mortgage Corporation	-0.03%	(3.5)	1.05%
First Federal Bank of Florida	-0.03%	(3.5)	0.14%
Guaranteed Rate Affinity	-0.02%	(3.5)	2.60%
Angel Oak Home Loans	-0.02%	(3.5)	1.41%
South State Bank	-0.02%	(3.5)	0.07%
TD Bank	-0.02%	(3.5)	0.11%
US Bank	-0.01%	(3.5)	0.04%
CMG Financial	-0.01%	(3.5)	1.55%
Towne Mortgage Company	-0.01%	(3.5)	2.17%
Amerisave Mortgage Corporation	-0.00%	(3.5)	0.07%
SunTrust Bank	-0.00%	(3.5)	0.07%
Flagstar Bank	0.00%	(3.5)	0.36%
Wells Fargo Bank	0.00%	(3.5)	0.04%
PNC Bank	0.00%	(3.5)	0.04%
Reliance First Capital	0.00%	(3.5)	0.04%
NVR Mortgage Finance Inc	0.00%	(3.5)	0.65%
Academy Mortgage Corporation Utah	0.00%	(3.5)	0.76%
Barrington Bank & Trust	0.01%	(3.5)	0.07%
Gateway First Bank	0.01%	(3.5)	2.63%
Cardinal Financial Company	0.01%	(3.5)	0.61%
NewRez	0.02%	(3.5)	0.18%
The Federal Savings Bank	0.02%	(3.5)	0.18%
Quicken Loans	0.02%	(3.5)	3.79%
Home Point Financial Corporation	0.02%	(3.5)	0.14%
Atlantic Bay Mortgage Group	0.04%	(3.5)	0.47%
Guild Mortgage Company	0.04%	(3.5)	15.48%
FirstBank TN	0.05%	(3.0)	0.76%
PRMG Mortgage	0.05%	(3.0)	0.22%
Network Funding	0.06%	(3.0)	1.12%
Success Mortgage Partners	0.06%	(3.0)	2.49%
Supreme Lending	0.06%	(3.0)	0.43%
HomeBridge Financial Services	0.07%	(3.0)	0.47%
Carrington Mortgage Services	0.07%	(3.0)	0.69%
Certainty Home Loans	0.08%	(3.0)	0.65%
Bay Equity Home Loans	0.08%	(3.0)	2.49%
Mr. Cooper	0.11%	(3.0)	0.69%
Finance of America Mortgage	0.14%	(3.0)	0.69%
OneTrust Home Loans	0.15%	(2.5)	0.47%
loanDepot	0.16%	(2.5)	1.59%
Mortgage Solutions Financial	0.18%	(2.5)	0.65%
New American Funding	0.21%	(2.5)	5.59%
LendUS LLC	0.28%	(2.0)	5.74%

Lender Name	Rate Difference	Rate Rating	Market Share
Trustmark National Bank	-0.09%	(4.0)	1.51%
Guild Mortgage Company	-0.09%	(4.0)	7.72%
Caliber Home Loans	-0.05%	(4.0)	1.97%
Movement Mortgage	-0.05%	(4.0)	2.57%
Ameris Bank	-0.05%	(3.5)	1.21%
First Community Bank – SC & GA	-0.04%	(3.5)	1.97%
Quicken Loans	-0.04%	(3.5)	27.53%
Amerisave Mortgage Corporation	-0.04%	(3.5)	0.91%
PrimeLending	-0.04%	(3.5)	1.21%
Renasant Bank	-0.03%	(3.5)	0.45%
Magnolia Bank	-0.03%	(3.5)	0.76%
Carrington Mortgage Services	-0.02%	(3.5)	6.20%
Home Point Financial Corporation	-0.02%	(3.5)	0.76%
Resource Financial Services	-0.02%	(3.5)	0.76%
Mortgage Network, Inc	-0.02%	(3.5)	0.61%
NewRez	-0.01%	(3.5)	1.06%
Gateway First Bank	-0.01%	(3.5)	0.61%
Towne Mortgage Company	-0.01%	(3.5)	2.27%
Southern First Bank	-0.01%	(3.5)	0.76%
North American Savings Bank	-0.01%	(3.5)	0.15%
Barrington Bank & Trust	-0.01%	(3.5)	0.15%
Village Capital	-0.01%	(3.5)	2.57%
Flagstar Bank	-0.01%	(3.5)	0.61%
PRMG Mortgage	-0.01%	(3.5)	0.61%
Assurance Financial	-0.00%	(3.5)	0.30%
Guaranteed Rate Affinity	-0.00%	(3.5)	0.45%
US Bank	0.00%	(3.5)	0.15%
Regions Bank	0.00%	(3.5)	0.15%
Navy Federal Credit Union	0.00%	(3.5)	0.30%
CMG Financial	0.01%	(3.5)	0.61%
PennyMac Loan Services	0.01%	(3.5)	2.57%
LendUS LLC	0.01%	(3.5)	0.45%
Network Funding	0.01%	(3.5)	0.30%
Angel Oak Home Loans	0.01%	(3.5)	0.15%
The Federal Savings Bank	0.01%	(3.5)	0.30%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	0.30%
Finance of America Mortgage	0.01%	(3.5)	0.15%
South State Bank	0.01%	(3.5)	0.30%
Bay Equity Home Loans	0.02%	(3.5)	0.76%
Success Mortgage Partners	0.02%	(3.5)	0.91%
HomeBridge Financial Services	0.03%	(3.5)	0.91%
Cardinal Financial Company	0.03%	(3.5)	2.12%
loanDepot	0.03%	(3.5)	3.48%
FirstBank TN	0.04%	(3.5)	0.30%
Reliance First Capital	0.04%	(3.5)	1.21%
New American Funding	0.04%	(3.5)	1.82%
Supreme Lending	0.05%	(3.0)	0.61%
First Citizens Bank	0.05%	(3.0)	1.51%
Freedom Mortgage Corporation	0.06%	(3.0)	1.97%
Lakeview Loan Servicing	0.09%	(3.0)	4.39%
Mr. Cooper	0.20%	(2.5)	8.62%

Lender Name	Rate Difference	Rate Rating	Market Share
TD Bank	-0.04%	(3.5)	8.09%
Synovus Bank	-0.02%	(3.5)	10.98%
Bank of America	-0.02%	(3.5)	5.20%
Truist Bank	-0.02%	(3.5)	6.36%
SunTrust Bank	-0.01%	(3.5)	10.98%
Regions Bank	-0.01%	(3.5)	6.36%
Wells Fargo Bank	-0.01%	(3.5)	4.62%
First Citizens Bank	-0.00%	(3.5)	6.94%
South State Bank	-0.00%	(3.5)	5.20%
Supreme Lending	0.00%	(3.5)	0.58%
Guild Mortgage Company	0.01%	(3.5)	3.47%
Guaranteed Rate Affinity	0.01%	(3.5)	0.58%
NewRez	0.01%	(3.5)	0.58%
JPMorgan Chase Bank	0.02%	(3.5)	2.89%
PrimeLending	0.02%	(3.5)	1.16%
Ameris Bank	0.02%	(3.5)	0.58%
Resource Financial Services	0.02%	(3.5)	2.89%
First Reliance Bank	0.02%	(3.5)	1.16%
Network Funding	0.03%	(3.5)	0.58%
Mortgage Network, Inc	0.03%	(3.5)	2.31%
FirstBank TN	0.03%	(3.5)	0.58%
Southern First Bank	0.03%	(3.5)	9.25%
Movement Mortgage	0.03%	(3.5)	2.31%
Caliber Home Loans	0.04%	(3.5)	0.58%
Navy Federal Credit Union	0.05%	(3.5)	1.16%
US Bank	0.05%	(3.0)	4.62%

Lender Name	Rate Difference	Rate Rating	Market Share
TD Bank	-0.04%	(3.5)	7.06%
Truist Bank	-0.02%	(3.5)	8.24%
Bank of America	-0.02%	(3.5)	5.88%
Synovus Bank	-0.02%	(3.5)	7.06%
SunTrust Bank	-0.02%	(3.5)	9.41%
Wells Fargo Bank	-0.01%	(3.5)	5.88%
Regions Bank	-0.01%	(3.5)	11.76%
South State Bank	-0.00%	(3.5)	7.06%
Guild Mortgage Company	0.01%	(3.5)	5.88%
Resource Financial Services	0.01%	(3.5)	1.18%
Guaranteed Rate Affinity	0.01%	(3.5)	1.18%
US Bank	0.01%	(3.5)	1.18%
PrimeLending	0.02%	(3.5)	2.35%
JPMorgan Chase Bank	0.02%	(3.5)	1.18%
First Citizens Bank	0.03%	(3.5)	3.53%
First Reliance Bank	0.03%	(3.5)	2.35%
Network Funding	0.03%	(3.5)	1.18%
FirstBank TN	0.03%	(3.5)	1.18%
Movement Mortgage	0.03%	(3.5)	4.71%
Mortgage Network, Inc	0.04%	(3.5)	3.53%
Navy Federal Credit Union	0.05%	(3.0)	2.35%
Southern First Bank	0.06%	(3.0)	5.88%

Lender Name	Rate Difference	Rate Rating	Market Share
TD Bank	-0.03%	(3.5)	9.09%
Synovus Bank	-0.02%	(3.5)	14.77%
Bank of America	-0.02%	(3.5)	4.55%
First Citizens Bank	-0.01%	(3.5)	10.23%
SunTrust Bank	-0.01%	(3.5)	12.50%
Truist Bank	-0.00%	(3.5)	4.55%
Supreme Lending	0.00%	(3.5)	1.14%
South State Bank	0.00%	(3.5)	3.41%
Mortgage Network, Inc	0.00%	(3.5)	1.14%
Guild Mortgage Company	0.00%	(3.5)	1.14%
NewRez	0.01%	(3.5)	1.14%
Wells Fargo Bank	0.01%	(3.5)	3.41%
Regions Bank	0.01%	(3.5)	1.14%
JPMorgan Chase Bank	0.01%	(3.5)	4.55%
Ameris Bank	0.02%	(3.5)	1.14%
Southern First Bank	0.02%	(3.5)	12.50%
Resource Financial Services	0.02%	(3.5)	4.55%
Caliber Home Loans	0.04%	(3.5)	1.14%
US Bank	0.06%	(3.0)	7.95%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.34%	(5.0)	6.25%
DHI Mortgage Company Limited	-0.33%	(5.0)	2.51%
Trustmark National Bank	-0.17%	(4.5)	2.37%
PennyMac Loan Services	-0.11%	(4.0)	1.79%
Southern First Bank	-0.10%	(4.0)	1.65%
Home Point Financial Corporation	-0.10%	(4.0)	0.63%
Regions Bank	-0.09%	(4.0)	0.72%
Wells Fargo Bank	-0.09%	(4.0)	0.88%
North American Savings Bank	-0.09%	(4.0)	0.63%
Movement Mortgage	-0.08%	(4.0)	6.77%
Caliber Home Loans	-0.08%	(4.0)	1.84%
USAA	-0.08%	(4.0)	8.81%
Lakeview Loan Servicing	-0.07%	(4.0)	1.10%
Ameris Bank	-0.06%	(4.0)	6.80%
NBKC Bank	-0.06%	(4.0)	0.85%
Magnolia Bank	-0.05%	(4.0)	0.88%
Towne Mortgage Company	-0.05%	(3.5)	0.80%
Mortgage Network, Inc	-0.05%	(3.5)	0.77%
Guaranteed Rate Affinity	-0.04%	(3.5)	1.40%
PRMG Mortgage	-0.03%	(3.5)	0.39%
Bank of America	-0.03%	(3.5)	0.08%
Renasant Bank	-0.03%	(3.5)	0.33%
Freedom Mortgage Corporation	-0.03%	(3.5)	3.25%
Village Capital	-0.03%	(3.5)	0.63%
loanDepot	-0.03%	(3.5)	2.73%
Success Mortgage Partners	-0.02%	(3.5)	1.40%
Palmetto Citizens Federal Credit Union	-0.01%	(3.5)	0.11%
Cardinal Financial Company	-0.01%	(3.5)	0.47%
First Reliance Bank	-0.01%	(3.5)	0.08%
First Citizens Bank	-0.01%	(3.5)	0.19%
Truist Bank	-0.01%	(3.5)	0.22%
TD Bank	-0.01%	(3.5)	0.11%
Flagstar Bank	-0.00%	(3.5)	0.63%
Gateway First Bank	-0.00%	(3.5)	1.35%
JPMorgan Chase Bank	0.00%	(3.5)	0.03%
Resource Financial Services	0.00%	(3.5)	2.53%
Assurance Financial	0.00%	(3.5)	0.63%
NVR Mortgage Finance Inc	0.01%	(3.5)	0.06%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.19%
PNC Bank	0.01%	(3.5)	0.03%
Atlantic Bay Mortgage Group	0.01%	(3.5)	0.17%
FirstBank TN	0.01%	(3.5)	0.41%
CMG Financial	0.01%	(3.5)	0.36%
Network Funding	0.02%	(3.5)	0.66%
SunTrust Bank	0.02%	(3.5)	0.11%
US Bank	0.02%	(3.5)	0.39%
PrimeLending	0.02%	(3.5)	0.50%
NewRez	0.02%	(3.5)	0.22%
Guild Mortgage Company	0.03%	(3.5)	8.67%
Angel Oak Home Loans	0.03%	(3.5)	0.33%
Academy Mortgage Corporation Utah	0.03%	(3.5)	0.11%
OneTrust Home Loans	0.04%	(3.5)	0.19%
Certainty Home Loans	0.05%	(3.0)	0.36%
HomeBridge Financial Services	0.05%	(3.0)	0.30%
Finance of America Mortgage	0.06%	(3.0)	0.50%
New American Funding	0.06%	(3.0)	2.40%
Supreme Lending	0.07%	(3.0)	0.25%
Mr. Cooper	0.08%	(3.0)	0.99%
Reliance First Capital	0.10%	(3.0)	0.36%
Bay Equity Home Loans	0.11%	(3.0)	0.88%
The Federal Savings Bank	0.11%	(3.0)	1.21%
Carrington Mortgage Services	0.11%	(3.0)	1.62%
Quicken Loans	0.12%	(3.0)	5.51%
First Federal Bank of Florida	0.12%	(3.0)	0.55%
Fairway Independent Mortgage Corporation	0.12%	(3.0)	0.50%
LendUS LLC	0.16%	(2.5)	2.81%
Barrington Bank & Trust	0.17%	(2.5)	0.91%
NewDay USA	0.52%	(1.0)	1.87%
Mortgage Solutions Financial	0.75%	(1.0)	3.96%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.36%	(5.0)	8.35%
DHI Mortgage Company Limited	-0.32%	(5.0)	3.80%
Trustmark National Bank	-0.17%	(4.5)	2.67%
Caliber Home Loans	-0.12%	(4.0)	1.55%
Southern First Bank	-0.11%	(4.0)	1.88%
Wells Fargo Bank	-0.11%	(4.0)	1.13%
North American Savings Bank	-0.10%	(4.0)	0.58%
Regions Bank	-0.09%	(4.0)	1.00%
Magnolia Bank	-0.08%	(4.0)	0.67%
Freedom Mortgage Corporation	-0.07%	(4.0)	3.34%
Movement Mortgage	-0.07%	(4.0)	8.19%
USAA	-0.06%	(4.0)	9.77%
Mortgage Network, Inc	-0.05%	(4.0)	0.88%
NBKC Bank	-0.05%	(3.5)	0.75%
Towne Mortgage Company	-0.04%	(3.5)	0.79%
Ameris Bank	-0.04%	(3.5)	8.73%
Guaranteed Rate Affinity	-0.04%	(3.5)	1.80%
Renasant Bank	-0.03%	(3.5)	0.33%
PRMG Mortgage	-0.03%	(3.5)	0.42%
Success Mortgage Partners	-0.03%	(3.5)	1.67%
Flagstar Bank	-0.03%	(3.5)	0.33%
Bank of America	-0.03%	(3.5)	0.13%
First Citizens Bank	-0.01%	(3.5)	0.25%
Truist Bank	-0.01%	(3.5)	0.21%
First Reliance Bank	-0.01%	(3.5)	0.13%
Palmetto Citizens Federal Credit Union	-0.00%	(3.5)	0.04%
First Federal Bank of Florida	-0.00%	(3.5)	0.04%
PennyMac Loan Services	0.00%	(3.5)	0.13%
TD Bank	0.00%	(3.5)	0.17%
Gateway First Bank	0.00%	(3.5)	1.88%
The Federal Savings Bank	0.01%	(3.5)	0.08%
Lakeview Loan Servicing	0.01%	(3.5)	0.04%
JPMorgan Chase Bank	0.01%	(3.5)	0.04%
Home Point Financial Corporation	0.01%	(3.5)	0.29%
NVR Mortgage Finance Inc	0.01%	(3.5)	0.08%
Cardinal Financial Company	0.01%	(3.5)	0.38%
PNC Bank	0.02%	(3.5)	0.04%
Atlantic Bay Mortgage Group	0.02%	(3.5)	0.25%
Assurance Financial	0.02%	(3.5)	0.79%
US Bank	0.02%	(3.5)	0.46%
Resource Financial Services	0.02%	(3.5)	3.01%
FirstBank TN	0.02%	(3.5)	0.54%
Network Funding	0.02%	(3.5)	0.75%
SunTrust Bank	0.02%	(3.5)	0.08%
CMG Financial	0.03%	(3.5)	0.42%
NewRez	0.03%	(3.5)	0.21%
NewDay USA	0.03%	(3.5)	0.17%
Amerisave Mortgage Corporation	0.04%	(3.5)	0.04%
PrimeLending	0.04%	(3.5)	0.63%
Quicken Loans	0.04%	(3.5)	2.05%
Angel Oak Home Loans	0.04%	(3.5)	0.42%
OneTrust Home Loans	0.05%	(3.5)	0.29%
Academy Mortgage Corporation Utah	0.05%	(3.5)	0.13%
Certainty Home Loans	0.06%	(3.0)	0.50%
loanDepot	0.07%	(3.0)	0.71%
HomeBridge Financial Services	0.07%	(3.0)	0.17%
Finance of America Mortgage	0.07%	(3.0)	0.63%
Guild Mortgage Company	0.08%	(3.0)	9.61%
Supreme Lending	0.10%	(3.0)	0.21%
Mr. Cooper	0.11%	(3.0)	0.84%
Bay Equity Home Loans	0.12%	(3.0)	1.29%
New American Funding	0.13%	(3.0)	2.51%
Fairway Independent Mortgage Corporation	0.14%	(3.0)	0.71%
Carrington Mortgage Services	0.16%	(2.5)	0.38%
Barrington Bank & Trust	0.19%	(2.5)	1.25%
LendUS LLC	0.22%	(2.5)	3.34%
Mortgage Solutions Financial	0.91%	(1.0)	5.05%

Lender Name	Rate Difference	Rate Rating	Market Share
Ameris Bank	-0.16%	(4.5)	3.07%
Trustmark National Bank	-0.16%	(4.5)	1.78%
Navy Federal Credit Union	-0.16%	(4.5)	2.18%
Home Point Financial Corporation	-0.15%	(4.5)	1.29%
PennyMac Loan Services	-0.13%	(4.0)	5.01%
Movement Mortgage	-0.13%	(4.0)	4.04%
USAA	-0.11%	(4.0)	6.95%
Guild Mortgage Company	-0.10%	(4.0)	6.87%
New American Funding	-0.09%	(4.0)	2.18%
Lakeview Loan Servicing	-0.09%	(4.0)	3.15%
NBKC Bank	-0.08%	(4.0)	1.05%
Southern First Bank	-0.07%	(4.0)	1.21%
loanDepot	-0.06%	(4.0)	6.62%
North American Savings Bank	-0.06%	(4.0)	0.73%
Towne Mortgage Company	-0.06%	(4.0)	0.81%
LendUS LLC	-0.05%	(4.0)	1.78%
Mortgage Solutions Financial	-0.05%	(4.0)	1.86%
Cardinal Financial Company	-0.05%	(4.0)	0.65%
Guaranteed Rate Affinity	-0.05%	(3.5)	0.65%
Village Capital	-0.05%	(3.5)	1.86%
Caliber Home Loans	-0.04%	(3.5)	2.42%
Resource Financial Services	-0.04%	(3.5)	1.62%
Assurance Financial	-0.03%	(3.5)	0.32%
PRMG Mortgage	-0.03%	(3.5)	0.32%
Magnolia Bank	-0.03%	(3.5)	1.29%
Palmetto Citizens Federal Credit Union	-0.03%	(3.5)	0.24%
Renasant Bank	-0.03%	(3.5)	0.32%
PrimeLending	-0.03%	(3.5)	0.24%
Mortgage Network, Inc	-0.03%	(3.5)	0.57%
Angel Oak Home Loans	-0.02%	(3.5)	0.16%
CMG Financial	-0.02%	(3.5)	0.24%
Regions Bank	-0.02%	(3.5)	0.16%
Truist Bank	-0.02%	(3.5)	0.24%
Fairway Independent Mortgage Corporation	-0.01%	(3.5)	0.08%
Academy Mortgage Corporation Utah	-0.01%	(3.5)	0.08%
Amerisave Mortgage Corporation	-0.01%	(3.5)	0.48%
Certainty Home Loans	-0.01%	(3.5)	0.08%
FirstBank TN	-0.01%	(3.5)	0.16%
Bay Equity Home Loans	-0.00%	(3.5)	0.08%
Gateway First Bank	-0.00%	(3.5)	0.32%
Network Funding	-0.00%	(3.5)	0.48%
Flagstar Bank	0.00%	(3.5)	1.21%
Finance of America Mortgage	0.00%	(3.5)	0.24%
SunTrust Bank	0.00%	(3.5)	0.16%
First Citizens Bank	0.01%	(3.5)	0.08%
NewRez	0.01%	(3.5)	0.24%
Supreme Lending	0.02%	(3.5)	0.32%
Success Mortgage Partners	0.02%	(3.5)	0.89%
HomeBridge Financial Services	0.03%	(3.5)	0.57%
US Bank	0.03%	(3.5)	0.24%
Barrington Bank & Trust	0.04%	(3.5)	0.24%
Mr. Cooper	0.05%	(3.5)	1.29%
Wells Fargo Bank	0.05%	(3.0)	0.40%
Freedom Mortgage Corporation	0.06%	(3.0)	3.07%
Reliance First Capital	0.09%	(3.0)	1.05%
Carrington Mortgage Services	0.09%	(3.0)	4.04%
The Federal Savings Bank	0.10%	(3.0)	3.39%
First Federal Bank of Florida	0.11%	(3.0)	1.53%
Quicken Loans	0.13%	(3.0)	12.20%
NewDay USA	0.54%	(1.0)	5.17%

* Data is compiled for the Columbia, SC commuting zone area, which comprises of counties of Clarendon County, SC, Fairfield County, SC, Kershaw County, SC, Lee County, SC, Lexington County, SC, Newberry County, SC, Richland County, SC, Saluda County, SC, and Sumter County, SC. This includes cities/towns/communities of Columbia, SC as well as Lexington, SC, Blythewood, SC, Red Bank, SC, Irmo, SC, Sumter, SC, Forest Acres, SC, Elgin, SC, Dentsville, SC, Oak Grove, SC, Lake Murray of Richland, SC, Irmo, SC, Dalzell, SC, West Columbia, SC, Camden, SC, Seven Oaks, SC, St. Andrews, SC, Cayce, SC, Chapin, SC, Lugoff, SC, Little Mountain, SC, Cane Savannah, SC, Gaston, SC, Privateer, SC, Pine Ridge, SC, Cherryvale, SC, Batesburg-Leesville, SC, Winnsboro, SC, Woodfield, SC, Newberry, SC, Ridgeway, SC, South Congaree, SC, Batesburg-Leesville, SC, Springdale, SC, Stateburg, SC, Summerton, SC, Pelion, SC, Manning, SC, Gilbert, SC, Prosperity, SC, Summit, SC, Pomaria, SC, Saluda, SC, Swansea, SC, Silverstreet, SC, Lakewood, SC, Hopkins, SC, Wedgefield, SC, Eastover, SC, Boykin, SC, and Bishopville, SC. 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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