Top Mortgage Lenders in San Jose, CA

Which mortgage lender in the San Jose, CA area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the San Jose, CA 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 San Jose, CA area in terms of interest rate is First Republic Bank, with an average “Rate Difference” of -0.26%. This means that, comparing similar borrowers, First Republic Bank provided a -0.26% lower interest rate for its customers than other lenders in the area. First Republic Bank has a market share of 0.6%. On the other hand, the most popular lender in the San Jose, CA area is Quicken Loans, with a larger market share of 16.4%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.05% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the San Jose, CA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in San Jose, CA is First Republic Bank. 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 Citibank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Quicken Loans. The cheapest VA mortgage provider is loanDepot. 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 San Jose, CA

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
First Republic Bank	-0.26%	(5.0)	0.56%
Santa Clara County Federal Credit Union	-0.23%	(4.5)	0.42%
Star One Credit Union	-0.20%	(4.5)	1.15%
KeyPoint Credit Union	-0.19%	(4.5)	0.37%
Interactive Mortgage	-0.18%	(4.5)	0.27%
LenderFi	-0.18%	(4.5)	0.14%
Provident Credit Union	-0.17%	(4.5)	0.23%
Googain	-0.17%	(4.5)	1.56%
Boston Private	-0.16%	(4.5)	0.23%
Citibank	-0.15%	(4.5)	1.94%
Bank of America	-0.15%	(4.0)	8.10%
Ally Bank	-0.14%	(4.0)	0.44%
loanDepot	-0.13%	(4.0)	2.52%
FirstBank TN	-0.11%	(4.0)	0.16%
Pulte Mortgage LLC	-0.11%	(4.0)	0.46%
OGI Mortgage Bankers	-0.09%	(4.0)	0.52%
Technology Credit Union	-0.08%	(4.0)	0.36%
Provident Funding	-0.08%	(4.0)	2.15%
KBHS Home Loans	-0.08%	(4.0)	0.15%
Stanford Federal Credit Union	-0.08%	(4.0)	0.34%
CashCall Mortgage	-0.07%	(4.0)	0.50%
Home Point Financial Corporation	-0.07%	(4.0)	0.76%
Cherry Creek Mortgage	-0.07%	(4.0)	0.12%
Inspire Home Loans	-0.06%	(4.0)	0.49%
NBKC Bank	-0.06%	(4.0)	0.22%
Morgan Stanley Private Bank	-0.06%	(4.0)	0.22%
General Mortgage Capital Corporation	-0.05%	(3.5)	0.70%
T.J. Financial,ÊInc	-0.04%	(3.5)	0.13%
AimLoan.com	-0.04%	(3.5)	0.11%
Amerisave Mortgage Corporation	-0.04%	(3.5)	0.24%
Wells Fargo Bank	-0.04%	(3.5)	14.13%
Guaranteed Rate Affinity	-0.04%	(3.5)	1.28%
Charles Schwab Bank	-0.03%	(3.5)	0.11%
Guaranteed Rate	-0.03%	(3.5)	0.90%
Watermark Home Loans	-0.02%	(3.5)	0.12%
Prosperity Home Mortgage LLC	-0.02%	(3.5)	0.11%
CEFCU	-0.02%	(3.5)	0.13%
BBVA	-0.01%	(3.5)	0.10%
First Choice Loan Services	-0.01%	(3.5)	0.16%
Planet Home Lending	-0.01%	(3.5)	0.36%
Land Home Financial Services	-0.01%	(3.5)	0.51%
US Bank	-0.01%	(3.5)	1.76%
PNC Bank	-0.01%	(3.5)	0.80%
Golden 1 Credit Union	-0.00%	(3.5)	0.42%
Cardinal Financial Company	0.00%	(3.5)	0.33%
Plaza Home Mortgage	0.00%	(3.5)	0.12%
HSBC Bank USA	0.00%	(3.5)	0.11%
Navy Federal Credit Union	0.00%	(3.5)	0.25%
Pacific Bay Lending Group	0.00%	(3.5)	0.30%
DHI Mortgage Company Limited	0.02%	(3.5)	0.10%
Union Bank	0.02%	(3.5)	0.44%
LoanStream Mortgage	0.03%	(3.5)	0.13%
Patelco Credit Union	0.03%	(3.5)	0.18%
Meriwest Mortgage	0.03%	(3.5)	0.38%
Caliber Home Loans	0.04%	(3.5)	2.32%
JPMorgan Chase Bank	0.04%	(3.5)	4.54%
HomeBridge Financial Services	0.05%	(3.5)	0.24%
Bank in San Ramon	0.05%	(3.5)	0.80%
Quicken Loans	0.05%	(3.5)	16.35%
USAA	0.05%	(3.5)	0.27%
Mason-McDuffie Mortgage Corporation	0.05%	(3.5)	1.40%
Midwest Equity Mortgage	0.05%	(3.0)	0.30%
Fairway Independent Mortgage Corporation	0.05%	(3.0)	0.20%
Summit Mortgage Banker	0.06%	(3.0)	0.14%
Dignified Home Loans	0.06%	(3.0)	0.10%
HighTechLending	0.06%	(3.0)	0.16%
First Technology Credit Union	0.07%	(3.0)	0.14%
Carrington Mortgage Services	0.07%	(3.0)	0.24%
PennyMac Loan Services	0.07%	(3.0)	0.62%
HomeServices Lending	0.07%	(3.0)	0.37%
New American Funding	0.07%	(3.0)	0.49%
Newfi Lending	0.07%	(3.0)	0.13%
Movement Mortgage	0.07%	(3.0)	0.21%
On Q Financial	0.08%	(3.0)	0.15%
Mechanics Bank CA	0.08%	(3.0)	0.14%
PRMG Mortgage	0.08%	(3.0)	0.54%
Freedom Mortgage Corporation	0.08%	(3.0)	0.48%
CMG Financial	0.08%	(3.0)	0.44%
Finance of America Mortgage	0.09%	(3.0)	2.51%
Bay Equity Home Loans	0.09%	(3.0)	0.25%
Synergy One Lending	0.09%	(3.0)	0.57%
MiMutual Mortgage	0.09%	(3.0)	0.38%
CIT Bank	0.10%	(3.0)	0.17%
Stearns Home Loans	0.10%	(3.0)	2.36%
TIAA Bank	0.10%	(3.0)	0.19%
NewRez	0.10%	(3.0)	0.44%
Lakeview Loan Servicing	0.10%	(3.0)	0.12%
Sierra Pacific Mortgage	0.10%	(3.0)	1.33%
JMAC	0.10%	(3.0)	0.52%
Flagstar Bank	0.11%	(3.0)	3.06%
Guild Mortgage Company	0.11%	(3.0)	1.28%
Mountain West Financial	0.12%	(3.0)	0.57%
Premier Lending Inc	0.12%	(3.0)	0.11%
Commerce Home Mortgage	0.12%	(3.0)	0.42%
Benchmark	0.12%	(3.0)	0.13%
LendUS LLC	0.15%	(3.0)	0.50%
Supreme Lending	0.15%	(3.0)	0.27%
Academy Mortgage Corporation Utah	0.16%	(2.5)	0.48%
Mr. Cooper	0.16%	(2.5)	0.76%
PrimeLending	0.17%	(2.5)	0.52%
The Loan Store	0.17%	(2.5)	0.15%
Summit Funding Inc	0.18%	(2.5)	0.99%
American Pacific Mortgage	0.18%	(2.5)	2.06%
Eagle Home Mortgage	0.19%	(2.5)	0.21%
First Savings Bank	0.36%	(1.5)	0.14%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.20%	(4.5)	8.49%
Boston Private	-0.19%	(4.5)	0.52%
Star One Credit Union	-0.13%	(4.0)	0.89%
Wells Fargo Bank	-0.13%	(4.0)	20.78%
Citibank	-0.12%	(4.0)	2.68%
First Republic Bank	-0.11%	(4.0)	0.58%
Pulte Mortgage LLC	-0.09%	(4.0)	1.32%
KBHS Home Loans	-0.06%	(4.0)	0.43%
Ally Bank	-0.05%	(4.0)	0.38%
Inspire Home Loans	-0.05%	(4.0)	1.42%
Santa Clara County Federal Credit Union	-0.04%	(3.5)	0.11%
Provident Funding	-0.04%	(3.5)	0.73%
US Bank	-0.03%	(3.5)	1.80%
loanDepot	-0.03%	(3.5)	1.58%
Googain	-0.02%	(3.5)	0.84%
Stanford Federal Credit Union	-0.02%	(3.5)	0.38%
Prosperity Home Mortgage LLC	-0.01%	(3.5)	0.20%
Golden 1 Credit Union	-0.01%	(3.5)	0.49%
Bank in San Ramon	0.00%	(3.5)	1.04%
Union Bank	0.00%	(3.5)	0.27%
Home Point Financial Corporation	0.00%	(3.5)	0.46%
Navy Federal Credit Union	0.01%	(3.5)	0.51%
Plaza Home Mortgage	0.01%	(3.5)	0.14%
Technology Credit Union	0.01%	(3.5)	0.12%
First Choice Loan Services	0.02%	(3.5)	0.12%
Amerisave Mortgage Corporation	0.02%	(3.5)	0.03%
Planet Home Lending	0.02%	(3.5)	0.39%
PNC Bank	0.02%	(3.5)	0.79%
AimLoan.com	0.02%	(3.5)	0.03%
BBVA	0.02%	(3.5)	0.13%
HSBC Bank USA	0.02%	(3.5)	0.16%
NBKC Bank	0.03%	(3.5)	0.14%
Guaranteed Rate	0.03%	(3.5)	0.83%
Guaranteed Rate Affinity	0.03%	(3.5)	1.80%
Provident Credit Union	0.03%	(3.5)	0.04%
Cherry Creek Mortgage	0.03%	(3.5)	0.06%
Midwest Equity Mortgage	0.03%	(3.5)	0.24%
Lakeview Loan Servicing	0.03%	(3.5)	0.02%
DHI Mortgage Company Limited	0.03%	(3.5)	0.29%
T.J. Financial,ÊInc	0.04%	(3.5)	0.08%
Watermark Home Loans	0.04%	(3.5)	0.03%
FirstBank TN	0.04%	(3.5)	0.03%
JPMorgan Chase Bank	0.04%	(3.5)	3.85%
HighTechLending	0.04%	(3.5)	0.09%
CEFCU	0.04%	(3.5)	0.02%
First Savings Bank	0.05%	(3.5)	0.02%
Patelco Credit Union	0.05%	(3.5)	0.16%
MiMutual Mortgage	0.05%	(3.5)	0.14%
PennyMac Loan Services	0.05%	(3.5)	0.16%
HomeBridge Financial Services	0.05%	(3.0)	0.13%
Charles Schwab Bank	0.05%	(3.0)	0.05%
Stearns Home Loans	0.05%	(3.0)	3.29%
Meriwest Mortgage	0.05%	(3.0)	0.35%
Dignified Home Loans	0.05%	(3.0)	0.12%
Carrington Mortgage Services	0.06%	(3.0)	0.05%
LoanStream Mortgage	0.06%	(3.0)	0.20%
First Technology Credit Union	0.06%	(3.0)	0.05%
OGI Mortgage Bankers	0.06%	(3.0)	0.40%
KeyPoint Credit Union	0.06%	(3.0)	0.09%
USAA	0.06%	(3.0)	0.36%
Benchmark	0.06%	(3.0)	0.07%
Cardinal Financial Company	0.06%	(3.0)	0.14%
Caliber Home Loans	0.07%	(3.0)	2.38%
Pacific Bay Lending Group	0.08%	(3.0)	0.23%
Mr. Cooper	0.08%	(3.0)	0.20%
Quicken Loans	0.08%	(3.0)	8.50%
Morgan Stanley Private Bank	0.08%	(3.0)	0.17%
New American Funding	0.08%	(3.0)	0.45%
Mechanics Bank CA	0.08%	(3.0)	0.09%
CashCall Mortgage	0.08%	(3.0)	0.03%
Fairway Independent Mortgage Corporation	0.08%	(3.0)	0.19%
Land Home Financial Services	0.09%	(3.0)	0.53%
Bay Equity Home Loans	0.09%	(3.0)	0.31%
The Loan Store	0.09%	(3.0)	0.10%
TIAA Bank	0.10%	(3.0)	0.16%
Finance of America Mortgage	0.10%	(3.0)	2.72%
HomeServices Lending	0.10%	(3.0)	0.77%
Mason-McDuffie Mortgage Corporation	0.10%	(3.0)	2.04%
Freedom Mortgage Corporation	0.10%	(3.0)	0.44%
On Q Financial	0.10%	(3.0)	0.34%
General Mortgage Capital Corporation	0.10%	(3.0)	0.51%
PRMG Mortgage	0.11%	(3.0)	0.60%
CMG Financial	0.11%	(3.0)	0.51%
Movement Mortgage	0.11%	(3.0)	0.24%
Commerce Home Mortgage	0.12%	(3.0)	0.45%
Newfi Lending	0.12%	(3.0)	0.09%
Supreme Lending	0.12%	(3.0)	0.27%
Summit Mortgage Banker	0.12%	(3.0)	0.09%
Mountain West Financial	0.13%	(3.0)	0.75%
Guild Mortgage Company	0.13%	(3.0)	1.49%
NewRez	0.13%	(3.0)	0.31%
Synergy One Lending	0.13%	(3.0)	0.75%
Sierra Pacific Mortgage	0.13%	(3.0)	1.69%
CIT Bank	0.14%	(3.0)	0.12%
Premier Lending Inc	0.14%	(3.0)	0.20%
JMAC	0.15%	(2.5)	0.42%
Flagstar Bank	0.16%	(2.5)	3.48%
PrimeLending	0.16%	(2.5)	0.67%
Summit Funding Inc	0.19%	(2.5)	1.55%
LendUS LLC	0.19%	(2.5)	0.70%
Academy Mortgage Corporation Utah	0.20%	(2.5)	0.81%
American Pacific Mortgage	0.20%	(2.5)	2.97%
Eagle Home Mortgage	0.21%	(2.5)	0.59%

Lender Name	Rate Difference	Rate Rating	Market Share
First Republic Bank	-0.35%	(5.0)	0.55%
Santa Clara County Federal Credit Union	-0.26%	(5.0)	0.58%
Star One Credit Union	-0.23%	(4.5)	1.29%
KeyPoint Credit Union	-0.22%	(4.5)	0.52%
Googain	-0.20%	(4.5)	1.95%
Interactive Mortgage	-0.19%	(4.5)	0.41%
Provident Credit Union	-0.19%	(4.5)	0.33%
LenderFi	-0.19%	(4.5)	0.21%
Ally Bank	-0.18%	(4.5)	0.47%
Citibank	-0.18%	(4.5)	1.56%
loanDepot	-0.17%	(4.5)	3.01%
OGI Mortgage Bankers	-0.14%	(4.0)	0.59%
FirstBank TN	-0.13%	(4.0)	0.23%
Bank of America	-0.12%	(4.0)	7.90%
Morgan Stanley Private Bank	-0.11%	(4.0)	0.25%
Stanford Federal Credit Union	-0.11%	(4.0)	0.32%
General Mortgage Capital Corporation	-0.10%	(4.0)	0.80%
Technology Credit Union	-0.10%	(4.0)	0.49%
Guaranteed Rate Affinity	-0.10%	(4.0)	1.01%
Home Point Financial Corporation	-0.10%	(4.0)	0.91%
Cherry Creek Mortgage	-0.09%	(4.0)	0.15%
Provident Funding	-0.09%	(4.0)	2.90%
NBKC Bank	-0.09%	(4.0)	0.26%
CashCall Mortgage	-0.09%	(4.0)	0.75%
T.J. Financial,ÊInc	-0.07%	(4.0)	0.16%
Guaranteed Rate	-0.06%	(4.0)	0.94%
Land Home Financial Services	-0.06%	(4.0)	0.50%
AimLoan.com	-0.05%	(4.0)	0.15%
Charles Schwab Bank	-0.05%	(4.0)	0.15%
Amerisave Mortgage Corporation	-0.05%	(4.0)	0.35%
BBVA	-0.04%	(3.5)	0.09%
Watermark Home Loans	-0.03%	(3.5)	0.17%
CEFCU	-0.02%	(3.5)	0.19%
First Choice Loan Services	-0.02%	(3.5)	0.18%
Planet Home Lending	-0.02%	(3.5)	0.35%
Pacific Bay Lending Group	-0.02%	(3.5)	0.34%
PNC Bank	-0.02%	(3.5)	0.80%
Cardinal Financial Company	-0.01%	(3.5)	0.44%
Prosperity Home Mortgage LLC	-0.01%	(3.5)	0.07%
HSBC Bank USA	-0.01%	(3.5)	0.09%
Boston Private	-0.01%	(3.5)	0.08%
Plaza Home Mortgage	0.00%	(3.5)	0.11%
Mason-McDuffie Mortgage Corporation	0.01%	(3.5)	1.07%
DHI Mortgage Company Limited	0.01%	(3.5)	0.01%
Golden 1 Credit Union	0.01%	(3.5)	0.38%
US Bank	0.01%	(3.5)	1.74%
LoanStream Mortgage	0.01%	(3.5)	0.10%
Inspire Home Loans	0.01%	(3.5)	0.01%
Eagle Home Mortgage	0.02%	(3.5)	0.01%
HomeServices Lending	0.02%	(3.5)	0.16%
Caliber Home Loans	0.02%	(3.5)	2.30%
Patelco Credit Union	0.02%	(3.5)	0.20%
Meriwest Mortgage	0.02%	(3.5)	0.39%
Navy Federal Credit Union	0.03%	(3.5)	0.12%
On Q Financial	0.03%	(3.5)	0.05%
Union Bank	0.03%	(3.5)	0.53%
Summit Mortgage Banker	0.03%	(3.5)	0.16%
Quicken Loans	0.04%	(3.5)	20.50%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	0.20%
JPMorgan Chase Bank	0.04%	(3.5)	4.90%
HomeBridge Financial Services	0.04%	(3.5)	0.30%
USAA	0.05%	(3.5)	0.22%
Movement Mortgage	0.05%	(3.0)	0.19%
Wells Fargo Bank	0.05%	(3.0)	10.61%
Midwest Equity Mortgage	0.05%	(3.0)	0.33%
Newfi Lending	0.06%	(3.0)	0.15%
Synergy One Lending	0.06%	(3.0)	0.48%
Carrington Mortgage Services	0.06%	(3.0)	0.34%
First Technology Credit Union	0.06%	(3.0)	0.19%
PennyMac Loan Services	0.06%	(3.0)	0.86%
PRMG Mortgage	0.06%	(3.0)	0.51%
HighTechLending	0.06%	(3.0)	0.20%
Dignified Home Loans	0.07%	(3.0)	0.10%
CMG Financial	0.07%	(3.0)	0.41%
New American Funding	0.07%	(3.0)	0.51%
Freedom Mortgage Corporation	0.07%	(3.0)	0.51%
Mechanics Bank CA	0.07%	(3.0)	0.17%
Flagstar Bank	0.07%	(3.0)	2.83%
CIT Bank	0.08%	(3.0)	0.19%
Finance of America Mortgage	0.08%	(3.0)	2.40%
NewRez	0.08%	(3.0)	0.51%
Sierra Pacific Mortgage	0.09%	(3.0)	1.15%
JMAC	0.09%	(3.0)	0.57%
Bank in San Ramon	0.09%	(3.0)	0.68%
Bay Equity Home Loans	0.09%	(3.0)	0.21%
MiMutual Mortgage	0.09%	(3.0)	0.51%
TIAA Bank	0.10%	(3.0)	0.21%
Lakeview Loan Servicing	0.10%	(3.0)	0.17%
Premier Lending Inc	0.10%	(3.0)	0.06%
Guild Mortgage Company	0.10%	(3.0)	1.17%
Academy Mortgage Corporation Utah	0.11%	(3.0)	0.31%
LendUS LLC	0.11%	(3.0)	0.39%
Mountain West Financial	0.12%	(3.0)	0.47%
Commerce Home Mortgage	0.12%	(3.0)	0.41%
Benchmark	0.13%	(3.0)	0.17%
Stearns Home Loans	0.14%	(3.0)	1.87%
Supreme Lending	0.16%	(2.5)	0.28%
Mr. Cooper	0.17%	(2.5)	1.06%
American Pacific Mortgage	0.17%	(2.5)	1.57%
Summit Funding Inc	0.17%	(2.5)	0.69%
PrimeLending	0.18%	(2.5)	0.44%
The Loan Store	0.20%	(2.5)	0.17%
First Savings Bank	0.37%	(1.5)	0.21%

Lender Name	Rate Difference	Rate Rating	Market Share
First Republic Bank	-0.38%	(5.0)	0.50%
Star One Credit Union	-0.26%	(5.0)	1.17%
Santa Clara County Federal Credit Union	-0.26%	(5.0)	0.55%
KeyPoint Credit Union	-0.24%	(4.5)	0.43%
Provident Credit Union	-0.20%	(4.5)	0.29%
Interactive Mortgage	-0.20%	(4.5)	0.36%
LenderFi	-0.20%	(4.5)	0.18%
Googain	-0.19%	(4.5)	2.01%
Boston Private	-0.18%	(4.5)	0.31%
Bank of America	-0.18%	(4.5)	5.41%
loanDepot	-0.17%	(4.5)	2.94%
Ally Bank	-0.17%	(4.5)	0.30%
KBHS Home Loans	-0.14%	(4.0)	0.14%
Pulte Mortgage LLC	-0.14%	(4.0)	0.56%
FirstBank TN	-0.13%	(4.0)	0.22%
OGI Mortgage Bankers	-0.13%	(4.0)	0.59%
Stanford Federal Credit Union	-0.12%	(4.0)	0.33%
Inspire Home Loans	-0.11%	(4.0)	0.38%
Home Point Financial Corporation	-0.11%	(4.0)	0.80%
Technology Credit Union	-0.10%	(4.0)	0.46%
CashCall Mortgage	-0.09%	(4.0)	0.66%
Cherry Creek Mortgage	-0.09%	(4.0)	0.14%
Provident Funding	-0.09%	(4.0)	3.00%
Citibank	-0.09%	(4.0)	0.75%
Guaranteed Rate	-0.09%	(4.0)	0.86%
Guaranteed Rate Affinity	-0.08%	(4.0)	1.48%
NBKC Bank	-0.08%	(4.0)	0.28%
T.J. Financial,ÊInc	-0.07%	(4.0)	0.16%
Morgan Stanley Private Bank	-0.06%	(4.0)	0.11%
US Bank	-0.06%	(4.0)	1.47%
AimLoan.com	-0.06%	(4.0)	0.14%
General Mortgage Capital Corporation	-0.06%	(4.0)	0.96%
Amerisave Mortgage Corporation	-0.06%	(4.0)	0.31%
Watermark Home Loans	-0.04%	(3.5)	0.14%
Prosperity Home Mortgage LLC	-0.04%	(3.5)	0.12%
PNC Bank	-0.04%	(3.5)	0.49%
CEFCU	-0.03%	(3.5)	0.16%
HSBC Bank USA	-0.03%	(3.5)	0.07%
First Choice Loan Services	-0.03%	(3.5)	0.19%
Land Home Financial Services	-0.02%	(3.5)	0.58%
Planet Home Lending	-0.02%	(3.5)	0.41%
Golden 1 Credit Union	-0.02%	(3.5)	0.35%
Cardinal Financial Company	-0.02%	(3.5)	0.40%
BBVA	-0.01%	(3.5)	0.02%
Pacific Bay Lending Group	-0.01%	(3.5)	0.40%
Plaza Home Mortgage	-0.00%	(3.5)	0.07%
Wells Fargo Bank	0.00%	(3.5)	9.67%
Charles Schwab Bank	0.00%	(3.5)	0.00%
DHI Mortgage Company Limited	0.01%	(3.5)	0.12%
Bank in San Ramon	0.01%	(3.5)	0.70%
JPMorgan Chase Bank	0.01%	(3.5)	3.96%
Union Bank	0.01%	(3.5)	0.54%
Patelco Credit Union	0.02%	(3.5)	0.17%
Meriwest Mortgage	0.02%	(3.5)	0.40%
Caliber Home Loans	0.03%	(3.5)	2.34%
LoanStream Mortgage	0.03%	(3.5)	0.09%
Carrington Mortgage Services	0.03%	(3.5)	0.10%
CIT Bank	0.04%	(3.5)	0.06%
USAA	0.04%	(3.5)	0.18%
Quicken Loans	0.04%	(3.5)	21.52%
Navy Federal Credit Union	0.04%	(3.5)	0.14%
JMAC	0.04%	(3.5)	0.40%
Mason-McDuffie Mortgage Corporation	0.04%	(3.5)	1.56%
Midwest Equity Mortgage	0.05%	(3.5)	0.33%
Fairway Independent Mortgage Corporation	0.05%	(3.5)	0.20%
HomeBridge Financial Services	0.05%	(3.5)	0.16%
First Technology Credit Union	0.05%	(3.0)	0.14%
HomeServices Lending	0.05%	(3.0)	0.35%
Summit Mortgage Banker	0.05%	(3.0)	0.16%
Dignified Home Loans	0.06%	(3.0)	0.12%
NewRez	0.06%	(3.0)	0.36%
HighTechLending	0.06%	(3.0)	0.17%
New American Funding	0.07%	(3.0)	0.54%
Newfi Lending	0.07%	(3.0)	0.14%
Movement Mortgage	0.07%	(3.0)	0.25%
On Q Financial	0.07%	(3.0)	0.16%
Synergy One Lending	0.08%	(3.0)	0.63%
Mechanics Bank CA	0.08%	(3.0)	0.15%
PRMG Mortgage	0.08%	(3.0)	0.62%
CMG Financial	0.08%	(3.0)	0.40%
Freedom Mortgage Corporation	0.08%	(3.0)	0.46%
Flagstar Bank	0.08%	(3.0)	3.42%
MiMutual Mortgage	0.09%	(3.0)	0.47%
Bay Equity Home Loans	0.09%	(3.0)	0.21%
TIAA Bank	0.09%	(3.0)	0.20%
Finance of America Mortgage	0.10%	(3.0)	2.73%
Sierra Pacific Mortgage	0.10%	(3.0)	1.49%
PennyMac Loan Services	0.11%	(3.0)	0.60%
Commerce Home Mortgage	0.12%	(3.0)	0.41%
Premier Lending Inc	0.12%	(3.0)	0.12%
Guild Mortgage Company	0.12%	(3.0)	1.46%
Mountain West Financial	0.12%	(3.0)	0.68%
Benchmark	0.12%	(3.0)	0.16%
Stearns Home Loans	0.13%	(3.0)	2.34%
LendUS LLC	0.15%	(2.5)	0.55%
Lakeview Loan Servicing	0.15%	(2.5)	0.10%
Academy Mortgage Corporation Utah	0.16%	(2.5)	0.60%
Supreme Lending	0.16%	(2.5)	0.32%
The Loan Store	0.16%	(2.5)	0.21%
American Pacific Mortgage	0.18%	(2.5)	2.16%
PrimeLending	0.19%	(2.5)	0.53%
Eagle Home Mortgage	0.19%	(2.5)	0.24%
Summit Funding Inc	0.19%	(2.5)	1.07%
Mr. Cooper	0.19%	(2.5)	0.77%
First Savings Bank	0.37%	(1.5)	0.19%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.33%	(5.0)	5.58%
Boston Private	-0.21%	(4.5)	0.92%
First Republic Bank	-0.21%	(4.5)	0.42%
Star One Credit Union	-0.20%	(4.5)	1.07%
Wells Fargo Bank	-0.16%	(4.5)	12.75%
KBHS Home Loans	-0.13%	(4.0)	0.52%
US Bank	-0.13%	(4.0)	1.61%
Pulte Mortgage LLC	-0.13%	(4.0)	2.03%
JPMorgan Chase Bank	-0.12%	(4.0)	3.12%
Ally Bank	-0.11%	(4.0)	0.35%
Inspire Home Loans	-0.10%	(4.0)	1.37%
Citibank	-0.09%	(4.0)	1.17%
Bank in San Ramon	-0.09%	(4.0)	0.97%
loanDepot	-0.09%	(4.0)	2.01%
PNC Bank	-0.08%	(4.0)	0.45%
Santa Clara County Federal Credit Union	-0.07%	(4.0)	0.18%
Stanford Federal Credit Union	-0.06%	(4.0)	0.35%
Provident Funding	-0.06%	(4.0)	1.26%
Prosperity Home Mortgage LLC	-0.05%	(3.5)	0.25%
Googain	-0.05%	(3.5)	1.34%
Golden 1 Credit Union	-0.04%	(3.5)	0.37%
Guaranteed Rate	-0.04%	(3.5)	0.87%
Union Bank	-0.02%	(3.5)	0.40%
Home Point Financial Corporation	-0.02%	(3.5)	0.59%
Guaranteed Rate Affinity	-0.02%	(3.5)	2.43%
First Choice Loan Services	-0.02%	(3.5)	0.15%
Plaza Home Mortgage	-0.01%	(3.5)	0.15%
Technology Credit Union	-0.01%	(3.5)	0.18%
Provident Credit Union	-0.01%	(3.5)	0.03%
HSBC Bank USA	-0.01%	(3.5)	0.08%
BBVA	0.00%	(3.5)	0.03%
Amerisave Mortgage Corporation	0.00%	(3.5)	0.05%
Planet Home Lending	0.00%	(3.5)	0.45%
NBKC Bank	0.00%	(3.5)	0.18%
AimLoan.com	0.01%	(3.5)	0.05%
FirstBank TN	0.01%	(3.5)	0.03%
Cherry Creek Mortgage	0.01%	(3.5)	0.03%
Lakeview Loan Servicing	0.01%	(3.5)	0.02%
DHI Mortgage Company Limited	0.01%	(3.5)	0.40%
Morgan Stanley Private Bank	0.01%	(3.5)	0.07%
Midwest Equity Mortgage	0.02%	(3.5)	0.32%
T.J. Financial,ÊInc	0.02%	(3.5)	0.12%
USAA	0.02%	(3.5)	0.27%
Meriwest Mortgage	0.02%	(3.5)	0.40%
CEFCU	0.02%	(3.5)	0.02%
HighTechLending	0.03%	(3.5)	0.05%
Mr. Cooper	0.03%	(3.5)	0.03%
MiMutual Mortgage	0.04%	(3.5)	0.15%
HomeBridge Financial Services	0.04%	(3.5)	0.13%
LoanStream Mortgage	0.04%	(3.5)	0.13%
First Technology Credit Union	0.04%	(3.5)	0.07%
Benchmark	0.04%	(3.5)	0.05%
PennyMac Loan Services	0.04%	(3.5)	0.20%
Caliber Home Loans	0.04%	(3.5)	2.36%
Patelco Credit Union	0.04%	(3.5)	0.13%
Carrington Mortgage Services	0.04%	(3.5)	0.03%
Dignified Home Loans	0.04%	(3.5)	0.13%
Cardinal Financial Company	0.05%	(3.5)	0.20%
First Savings Bank	0.05%	(3.5)	0.02%
OGI Mortgage Bankers	0.05%	(3.0)	0.37%
Navy Federal Credit Union	0.06%	(3.0)	0.25%
Pacific Bay Lending Group	0.06%	(3.0)	0.39%
Fairway Independent Mortgage Corporation	0.06%	(3.0)	0.22%
Mechanics Bank CA	0.07%	(3.0)	0.10%
New American Funding	0.07%	(3.0)	0.52%
KeyPoint Credit Union	0.07%	(3.0)	0.08%
The Loan Store	0.07%	(3.0)	0.18%
Bay Equity Home Loans	0.07%	(3.0)	0.32%
CashCall Mortgage	0.07%	(3.0)	0.03%
Quicken Loans	0.08%	(3.0)	13.02%
HomeServices Lending	0.08%	(3.0)	0.89%
Stearns Home Loans	0.08%	(3.0)	3.30%
NewRez	0.09%	(3.0)	0.18%
TIAA Bank	0.09%	(3.0)	0.25%
General Mortgage Capital Corporation	0.09%	(3.0)	0.87%
Land Home Financial Services	0.09%	(3.0)	0.65%
Commerce Home Mortgage	0.09%	(3.0)	0.47%
JMAC	0.10%	(3.0)	0.28%
Mason-McDuffie Mortgage Corporation	0.10%	(3.0)	2.53%
On Q Financial	0.10%	(3.0)	0.42%
CMG Financial	0.10%	(3.0)	0.54%
PRMG Mortgage	0.11%	(3.0)	0.79%
Movement Mortgage	0.11%	(3.0)	0.34%
Summit Mortgage Banker	0.12%	(3.0)	0.15%
Newfi Lending	0.12%	(3.0)	0.13%
Freedom Mortgage Corporation	0.12%	(3.0)	0.45%
Flagstar Bank	0.12%	(3.0)	4.63%
Synergy One Lending	0.12%	(3.0)	1.01%
Mountain West Financial	0.13%	(3.0)	0.94%
Guild Mortgage Company	0.13%	(3.0)	2.08%
Supreme Lending	0.14%	(3.0)	0.35%
Premier Lending Inc	0.14%	(3.0)	0.25%
Sierra Pacific Mortgage	0.15%	(3.0)	1.83%
Finance of America Mortgage	0.15%	(2.5)	2.61%
PrimeLending	0.17%	(2.5)	0.79%
LendUS LLC	0.20%	(2.5)	0.90%
Summit Funding Inc	0.20%	(2.5)	2.01%
American Pacific Mortgage	0.20%	(2.5)	3.65%
Academy Mortgage Corporation Utah	0.20%	(2.5)	1.19%
Eagle Home Mortgage	0.20%	(2.5)	0.87%

Lender Name	Rate Difference	Rate Rating	Market Share
First Republic Bank	-0.43%	(5.0)	0.53%
Star One Credit Union	-0.29%	(5.0)	1.21%
Santa Clara County Federal Credit Union	-0.28%	(5.0)	0.69%
KeyPoint Credit Union	-0.26%	(5.0)	0.56%
Googain	-0.22%	(4.5)	2.26%
Provident Credit Union	-0.21%	(4.5)	0.38%
Interactive Mortgage	-0.20%	(4.5)	0.49%
LenderFi	-0.20%	(4.5)	0.25%
Ally Bank	-0.19%	(4.5)	0.29%
loanDepot	-0.19%	(4.5)	3.30%
OGI Mortgage Bankers	-0.16%	(4.5)	0.67%
Stanford Federal Credit Union	-0.15%	(4.0)	0.32%
FirstBank TN	-0.14%	(4.0)	0.29%
Home Point Financial Corporation	-0.13%	(4.0)	0.88%
Guaranteed Rate Affinity	-0.12%	(4.0)	1.12%
Bank of America	-0.12%	(4.0)	5.34%
Technology Credit Union	-0.11%	(4.0)	0.56%
General Mortgage Capital Corporation	-0.11%	(4.0)	0.99%
Guaranteed Rate	-0.11%	(4.0)	0.85%
Cherry Creek Mortgage	-0.10%	(4.0)	0.18%
CashCall Mortgage	-0.10%	(4.0)	0.90%
Provident Funding	-0.10%	(4.0)	3.65%
NBKC Bank	-0.10%	(4.0)	0.32%
T.J. Financial,ÊInc	-0.09%	(4.0)	0.17%
Morgan Stanley Private Bank	-0.08%	(4.0)	0.12%
Citibank	-0.08%	(4.0)	0.58%
Land Home Financial Services	-0.07%	(4.0)	0.56%
AimLoan.com	-0.07%	(4.0)	0.17%
Amerisave Mortgage Corporation	-0.06%	(4.0)	0.41%
Watermark Home Loans	-0.05%	(3.5)	0.19%
HSBC Bank USA	-0.04%	(3.5)	0.06%
CEFCU	-0.04%	(3.5)	0.22%
First Choice Loan Services	-0.03%	(3.5)	0.20%
Pacific Bay Lending Group	-0.03%	(3.5)	0.41%
Planet Home Lending	-0.03%	(3.5)	0.40%
US Bank	-0.03%	(3.5)	1.42%
PNC Bank	-0.03%	(3.5)	0.51%
Cardinal Financial Company	-0.03%	(3.5)	0.48%
Prosperity Home Mortgage LLC	-0.02%	(3.5)	0.07%
BBVA	-0.02%	(3.5)	0.02%
Boston Private	-0.02%	(3.5)	0.08%
Golden 1 Credit Union	-0.01%	(3.5)	0.34%
Charles Schwab Bank	0.00%	(3.5)	0.01%
Mason-McDuffie Mortgage Corporation	0.00%	(3.5)	1.20%
DHI Mortgage Company Limited	0.00%	(3.5)	0.01%
Inspire Home Loans	0.01%	(3.5)	0.01%
Patelco Credit Union	0.01%	(3.5)	0.19%
HomeServices Lending	0.01%	(3.5)	0.15%
Eagle Home Mortgage	0.01%	(3.5)	0.01%
Plaza Home Mortgage	0.02%	(3.5)	0.04%
Meriwest Mortgage	0.02%	(3.5)	0.41%
Union Bank	0.02%	(3.5)	0.60%
Navy Federal Credit Union	0.02%	(3.5)	0.10%
On Q Financial	0.02%	(3.5)	0.06%
Caliber Home Loans	0.02%	(3.5)	2.33%
JMAC	0.02%	(3.5)	0.45%
Quicken Loans	0.03%	(3.5)	24.74%
LoanStream Mortgage	0.03%	(3.5)	0.08%
Carrington Mortgage Services	0.03%	(3.5)	0.13%
Summit Mortgage Banker	0.03%	(3.5)	0.16%
CIT Bank	0.03%	(3.5)	0.08%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	0.20%
Synergy One Lending	0.04%	(3.5)	0.49%
JPMorgan Chase Bank	0.05%	(3.5)	4.28%
USAA	0.05%	(3.5)	0.15%
Movement Mortgage	0.05%	(3.0)	0.22%
HomeBridge Financial Services	0.05%	(3.0)	0.17%
First Technology Credit Union	0.05%	(3.0)	0.17%
NewRez	0.05%	(3.0)	0.43%
Newfi Lending	0.06%	(3.0)	0.14%
Midwest Equity Mortgage	0.06%	(3.0)	0.33%
Flagstar Bank	0.06%	(3.0)	2.96%
Dignified Home Loans	0.06%	(3.0)	0.11%
PRMG Mortgage	0.06%	(3.0)	0.55%
HighTechLending	0.06%	(3.0)	0.22%
CMG Financial	0.07%	(3.0)	0.36%
Freedom Mortgage Corporation	0.07%	(3.0)	0.47%
New American Funding	0.07%	(3.0)	0.55%
Bank in San Ramon	0.07%	(3.0)	0.60%
Mechanics Bank CA	0.08%	(3.0)	0.17%
Finance of America Mortgage	0.08%	(3.0)	2.78%
Sierra Pacific Mortgage	0.08%	(3.0)	1.36%
MiMutual Mortgage	0.09%	(3.0)	0.59%
TIAA Bank	0.09%	(3.0)	0.18%
Premier Lending Inc	0.10%	(3.0)	0.08%
Wells Fargo Bank	0.10%	(3.0)	8.50%
Bay Equity Home Loans	0.10%	(3.0)	0.17%
Guild Mortgage Company	0.11%	(3.0)	1.23%
PennyMac Loan Services	0.11%	(3.0)	0.75%
Academy Mortgage Corporation Utah	0.11%	(3.0)	0.37%
Mountain West Financial	0.11%	(3.0)	0.58%
LendUS LLC	0.12%	(3.0)	0.42%
Benchmark	0.13%	(3.0)	0.20%
Commerce Home Mortgage	0.13%	(3.0)	0.39%
Lakeview Loan Servicing	0.16%	(2.5)	0.13%
Stearns Home Loans	0.17%	(2.5)	1.97%
American Pacific Mortgage	0.17%	(2.5)	1.59%
Supreme Lending	0.17%	(2.5)	0.31%
Summit Funding Inc	0.19%	(2.5)	0.72%
Mr. Cooper	0.19%	(2.5)	1.05%
The Loan Store	0.19%	(2.5)	0.22%
PrimeLending	0.20%	(2.5)	0.43%
First Savings Bank	0.38%	(1.5)	0.25%

Lender Name	Rate Difference	Rate Rating	Market Share
Quicken Loans	-0.10%	(4.0)	9.80%
Caliber Home Loans	-0.06%	(4.0)	6.91%
Finance of America Mortgage	-0.05%	(4.0)	8.81%
Stearns Home Loans	-0.03%	(3.5)	11.70%
Planet Home Lending	-0.03%	(3.5)	0.91%
Inspire Home Loans	-0.02%	(3.5)	2.58%
Home Point Financial Corporation	-0.02%	(3.5)	1.60%
NewRez	-0.01%	(3.5)	1.22%
Plaza Home Mortgage	-0.01%	(3.5)	0.61%
Newfi Lending	-0.00%	(3.5)	0.23%
Provident Funding	-0.00%	(3.5)	0.23%
Prosperity Home Mortgage LLC	0.00%	(3.5)	0.15%
TIAA Bank	0.00%	(3.5)	0.15%
US Bank	0.00%	(3.5)	0.15%
Pacific Bay Lending Group	0.00%	(3.5)	0.08%
NBKC Bank	0.00%	(3.5)	0.15%
Supreme Lending	0.01%	(3.5)	0.38%
Midwest Equity Mortgage	0.01%	(3.5)	0.15%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.15%
Flagstar Bank	0.01%	(3.5)	1.60%
LoanStream Mortgage	0.01%	(3.5)	1.52%
PRMG Mortgage	0.02%	(3.5)	1.29%
HighTechLending	0.02%	(3.5)	0.53%
Cherry Creek Mortgage	0.02%	(3.5)	0.15%
LenderFi	0.02%	(3.5)	0.08%
Fairway Independent Mortgage Corporation	0.02%	(3.5)	0.08%
JPMorgan Chase Bank	0.02%	(3.5)	0.15%
Dignified Home Loans	0.02%	(3.5)	0.15%
Lakeview Loan Servicing	0.02%	(3.5)	0.68%
Synergy One Lending	0.02%	(3.5)	0.46%
Movement Mortgage	0.02%	(3.5)	0.46%
Bank of America	0.02%	(3.5)	0.08%
First Savings Bank	0.02%	(3.5)	0.15%
Land Home Financial Services	0.02%	(3.5)	1.75%
CashCall Mortgage	0.02%	(3.5)	0.30%
Interactive Mortgage	0.02%	(3.5)	0.23%
Academy Mortgage Corporation Utah	0.02%	(3.5)	0.53%
Watermark Home Loans	0.02%	(3.5)	0.08%
Mason-McDuffie Mortgage Corporation	0.02%	(3.5)	4.18%
Union Bank	0.02%	(3.5)	0.08%
LendUS LLC	0.03%	(3.5)	0.46%
Navy Federal Credit Union	0.03%	(3.5)	0.08%
Guaranteed Rate	0.03%	(3.5)	0.68%
Wells Fargo Bank	0.03%	(3.5)	0.15%
OGI Mortgage Bankers	0.03%	(3.5)	1.75%
New American Funding	0.03%	(3.5)	0.91%
Bay Equity Home Loans	0.03%	(3.5)	0.38%
Guild Mortgage Company	0.03%	(3.5)	2.96%
MiMutual Mortgage	0.03%	(3.5)	0.38%
loanDepot	0.03%	(3.5)	2.81%
PennyMac Loan Services	0.04%	(3.5)	0.76%
Guaranteed Rate Affinity	0.04%	(3.5)	0.99%
Bank in San Ramon	0.04%	(3.5)	0.08%
Benchmark	0.04%	(3.5)	0.08%
CMG Financial	0.04%	(3.5)	1.29%
First Choice Loan Services	0.04%	(3.5)	0.08%
JMAC	0.04%	(3.5)	0.76%
Commerce Home Mortgage	0.04%	(3.5)	0.46%
On Q Financial	0.04%	(3.5)	0.38%
Cardinal Financial Company	0.04%	(3.5)	0.76%
Carrington Mortgage Services	0.04%	(3.5)	2.51%
Eagle Home Mortgage	0.05%	(3.5)	0.08%
HomeBridge Financial Services	0.05%	(3.5)	1.06%
Freedom Mortgage Corporation	0.05%	(3.0)	2.13%
Mr. Cooper	0.05%	(3.0)	3.80%
HomeServices Lending	0.06%	(3.0)	0.46%
PrimeLending	0.06%	(3.0)	0.91%
Sierra Pacific Mortgage	0.06%	(3.0)	4.86%
Mountain West Financial	0.06%	(3.0)	1.52%
American Pacific Mortgage	0.09%	(3.0)	3.19%
Summit Funding Inc	0.09%	(3.0)	2.81%

Lender Name	Rate Difference	Rate Rating	Market Share
Quicken Loans	-0.13%	(4.0)	8.40%
Caliber Home Loans	-0.07%	(4.0)	6.56%
Finance of America Mortgage	-0.05%	(3.5)	11.39%
Stearns Home Loans	-0.04%	(3.5)	14.27%
Planet Home Lending	-0.03%	(3.5)	0.81%
Inspire Home Loans	-0.02%	(3.5)	3.91%
Plaza Home Mortgage	-0.01%	(3.5)	0.46%
Home Point Financial Corporation	-0.01%	(3.5)	0.92%
Provident Funding	-0.01%	(3.5)	0.23%
loanDepot	-0.00%	(3.5)	2.30%
TIAA Bank	0.00%	(3.5)	0.12%
Flagstar Bank	0.00%	(3.5)	1.61%
NewRez	0.00%	(3.5)	0.92%
Prosperity Home Mortgage LLC	0.01%	(3.5)	0.23%
US Bank	0.01%	(3.5)	0.23%
Pacific Bay Lending Group	0.01%	(3.5)	0.12%
HomeBridge Financial Services	0.01%	(3.5)	0.23%
Supreme Lending	0.01%	(3.5)	0.46%
NBKC Bank	0.01%	(3.5)	0.23%
Midwest Equity Mortgage	0.01%	(3.5)	0.23%
JPMorgan Chase Bank	0.01%	(3.5)	0.12%
First Savings Bank	0.02%	(3.5)	0.12%
HighTechLending	0.02%	(3.5)	0.58%
Cherry Creek Mortgage	0.02%	(3.5)	0.23%
Synergy One Lending	0.02%	(3.5)	0.58%
Dignified Home Loans	0.02%	(3.5)	0.23%
Newfi Lending	0.02%	(3.5)	0.12%
Bank of America	0.03%	(3.5)	0.12%
Watermark Home Loans	0.03%	(3.5)	0.12%
Lakeview Loan Servicing	0.03%	(3.5)	0.12%
Academy Mortgage Corporation Utah	0.03%	(3.5)	0.69%
PRMG Mortgage	0.03%	(3.5)	1.15%
Freedom Mortgage Corporation	0.03%	(3.5)	1.38%
OGI Mortgage Bankers	0.03%	(3.5)	1.96%
Navy Federal Credit Union	0.03%	(3.5)	0.12%
PennyMac Loan Services	0.03%	(3.5)	0.12%
Wells Fargo Bank	0.03%	(3.5)	0.23%
LendUS LLC	0.03%	(3.5)	0.58%
Movement Mortgage	0.03%	(3.5)	0.46%
Bay Equity Home Loans	0.04%	(3.5)	0.58%
Guaranteed Rate	0.04%	(3.5)	0.58%
Land Home Financial Services	0.04%	(3.5)	1.73%
New American Funding	0.04%	(3.5)	0.69%
Carrington Mortgage Services	0.04%	(3.5)	0.35%
Mason-McDuffie Mortgage Corporation	0.04%	(3.5)	5.18%
MiMutual Mortgage	0.04%	(3.5)	0.46%
Bank in San Ramon	0.04%	(3.5)	0.12%
Benchmark	0.04%	(3.5)	0.12%
Guaranteed Rate Affinity	0.04%	(3.5)	1.15%
LoanStream Mortgage	0.04%	(3.5)	1.38%
First Choice Loan Services	0.05%	(3.5)	0.12%
On Q Financial	0.05%	(3.5)	0.58%
Eagle Home Mortgage	0.05%	(3.0)	0.12%
Guild Mortgage Company	0.05%	(3.0)	2.30%
JMAC	0.05%	(3.0)	0.69%
CMG Financial	0.06%	(3.0)	1.15%
HomeServices Lending	0.06%	(3.0)	0.69%
Cardinal Financial Company	0.07%	(3.0)	0.23%
Commerce Home Mortgage	0.07%	(3.0)	0.35%
Sierra Pacific Mortgage	0.07%	(3.0)	6.44%
PrimeLending	0.07%	(3.0)	1.15%
Mountain West Financial	0.07%	(3.0)	2.07%
Mr. Cooper	0.08%	(3.0)	1.84%
American Pacific Mortgage	0.11%	(3.0)	4.03%
Summit Funding Inc	0.11%	(3.0)	3.34%

Lender Name	Rate Difference	Rate Rating	Market Share
Finance of America Mortgage	-0.06%	(4.0)	3.80%
Quicken Loans	-0.06%	(4.0)	12.53%
Caliber Home Loans	-0.05%	(4.0)	7.61%
Mason-McDuffie Mortgage Corporation	-0.04%	(3.5)	2.24%
LoanStream Mortgage	-0.03%	(3.5)	1.79%
NewRez	-0.03%	(3.5)	1.79%
Home Point Financial Corporation	-0.03%	(3.5)	2.91%
Newfi Lending	-0.02%	(3.5)	0.45%
Planet Home Lending	-0.02%	(3.5)	1.12%
Plaza Home Mortgage	-0.02%	(3.5)	0.89%
Movement Mortgage	-0.01%	(3.5)	0.45%
Stearns Home Loans	-0.01%	(3.5)	6.71%
PRMG Mortgage	-0.01%	(3.5)	1.57%
Land Home Financial Services	-0.00%	(3.5)	1.79%
TIAA Bank	-0.00%	(3.5)	0.22%
LendUS LLC	-0.00%	(3.5)	0.22%
Amerisave Mortgage Corporation	0.00%	(3.5)	0.45%
Guild Mortgage Company	0.01%	(3.5)	4.25%
HighTechLending	0.01%	(3.5)	0.45%
LenderFi	0.01%	(3.5)	0.22%
Provident Funding	0.01%	(3.5)	0.22%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	0.22%
Academy Mortgage Corporation Utah	0.01%	(3.5)	0.22%
Lakeview Loan Servicing	0.01%	(3.5)	1.79%
Guaranteed Rate	0.01%	(3.5)	0.89%
Commerce Home Mortgage	0.01%	(3.5)	0.67%
CMG Financial	0.01%	(3.5)	1.57%
MiMutual Mortgage	0.01%	(3.5)	0.22%
CashCall Mortgage	0.01%	(3.5)	0.89%
Interactive Mortgage	0.01%	(3.5)	0.67%
Supreme Lending	0.01%	(3.5)	0.22%
Union Bank	0.02%	(3.5)	0.22%
Synergy One Lending	0.02%	(3.5)	0.22%
JPMorgan Chase Bank	0.02%	(3.5)	0.22%
New American Funding	0.02%	(3.5)	1.34%
JMAC	0.02%	(3.5)	0.89%
First Savings Bank	0.02%	(3.5)	0.22%
American Pacific Mortgage	0.02%	(3.5)	1.57%
Mountain West Financial	0.02%	(3.5)	0.45%
Guaranteed Rate Affinity	0.02%	(3.5)	0.67%
PennyMac Loan Services	0.03%	(3.5)	2.01%
Cardinal Financial Company	0.03%	(3.5)	1.79%
PrimeLending	0.03%	(3.5)	0.45%
Flagstar Bank	0.03%	(3.5)	1.57%
Summit Funding Inc	0.04%	(3.5)	1.79%
OGI Mortgage Bankers	0.04%	(3.5)	1.34%
Carrington Mortgage Services	0.04%	(3.5)	6.71%
Mr. Cooper	0.04%	(3.5)	7.61%
Sierra Pacific Mortgage	0.04%	(3.5)	1.79%
HomeBridge Financial Services	0.05%	(3.5)	2.68%
Freedom Mortgage Corporation	0.06%	(3.0)	3.58%
loanDepot	0.07%	(3.0)	3.80%

Lender Name	Rate Difference	Rate Rating	Market Share
Citibank	-0.14%	(4.0)	6.49%
Bank of America	-0.09%	(4.0)	19.50%
Ally Bank	-0.08%	(4.0)	1.02%
Wells Fargo Bank	-0.06%	(4.0)	33.10%
First Republic Bank	-0.05%	(4.0)	0.95%
Morgan Stanley Private Bank	-0.02%	(3.5)	0.68%
Star One Credit Union	-0.02%	(3.5)	1.46%
Charles Schwab Bank	-0.00%	(3.5)	0.51%
Googain	0.02%	(3.5)	0.63%
BBVA	0.02%	(3.5)	0.39%
Pulte Mortgage LLC	0.03%	(3.5)	0.27%
Stanford Federal Credit Union	0.04%	(3.5)	0.50%
Golden 1 Credit Union	0.05%	(3.5)	0.80%
Boston Private	0.05%	(3.5)	0.03%
PNC Bank	0.05%	(3.5)	2.04%
LenderFi	0.05%	(3.0)	0.02%
Provident Credit Union	0.05%	(3.0)	0.12%
KeyPoint Credit Union	0.05%	(3.0)	0.29%
Summit Mortgage Banker	0.05%	(3.0)	0.12%
Watermark Home Loans	0.05%	(3.0)	0.08%
HSBC Bank USA	0.06%	(3.0)	0.30%
Movement Mortgage	0.06%	(3.0)	0.03%
Prosperity Home Mortgage LLC	0.06%	(3.0)	0.09%
AimLoan.com	0.06%	(3.0)	0.05%
Cherry Creek Mortgage	0.06%	(3.0)	0.03%
Technology Credit Union	0.07%	(3.0)	0.17%
OGI Mortgage Bankers	0.07%	(3.0)	0.06%
Midwest Equity Mortgage	0.07%	(3.0)	0.24%
On Q Financial	0.07%	(3.0)	0.02%
CEFCU	0.07%	(3.0)	0.06%
HomeBridge Financial Services	0.07%	(3.0)	0.12%
Pacific Bay Lending Group	0.07%	(3.0)	0.02%
KBHS Home Loans	0.07%	(3.0)	0.21%
Mountain West Financial	0.07%	(3.0)	0.02%
Patelco Credit Union	0.07%	(3.0)	0.27%
HighTechLending	0.07%	(3.0)	0.05%
First Choice Loan Services	0.08%	(3.0)	0.03%
DHI Mortgage Company Limited	0.08%	(3.0)	0.09%
Dignified Home Loans	0.08%	(3.0)	0.05%
Santa Clara County Federal Credit Union	0.08%	(3.0)	0.11%
General Mortgage Capital Corporation	0.08%	(3.0)	0.09%
Mechanics Bank CA	0.08%	(3.0)	0.15%
MiMutual Mortgage	0.08%	(3.0)	0.02%
Home Point Financial Corporation	0.08%	(3.0)	0.06%
Cardinal Financial Company	0.08%	(3.0)	0.06%
Meriwest Mortgage	0.08%	(3.0)	0.41%
Provident Funding	0.08%	(3.0)	0.03%
Plaza Home Mortgage	0.08%	(3.0)	0.05%
Navy Federal Credit Union	0.08%	(3.0)	0.23%
T.J. Financial,ÊInc	0.09%	(3.0)	0.09%
Planet Home Lending	0.09%	(3.0)	0.06%
Benchmark	0.09%	(3.0)	0.05%
Union Bank	0.09%	(3.0)	0.20%
FirstBank TN	0.09%	(3.0)	0.02%
Carrington Mortgage Services	0.09%	(3.0)	0.02%
Supreme Lending	0.09%	(3.0)	0.09%
New American Funding	0.09%	(3.0)	0.20%
Land Home Financial Services	0.09%	(3.0)	0.05%
US Bank	0.10%	(3.0)	3.21%
Fairway Independent Mortgage Corporation	0.10%	(3.0)	0.15%
Guaranteed Rate	0.10%	(3.0)	1.08%
Sierra Pacific Mortgage	0.10%	(3.0)	0.17%
Newfi Lending	0.10%	(3.0)	0.09%
First Technology Credit Union	0.11%	(3.0)	0.18%
JPMorgan Chase Bank	0.11%	(3.0)	7.81%
PRMG Mortgage	0.12%	(3.0)	0.11%
Premier Lending Inc	0.12%	(3.0)	0.09%
CMG Financial	0.12%	(3.0)	0.14%
Stearns Home Loans	0.12%	(3.0)	0.27%
Mason-McDuffie Mortgage Corporation	0.12%	(3.0)	0.18%
CashCall Mortgage	0.13%	(3.0)	0.06%
HomeServices Lending	0.13%	(3.0)	0.38%
Bank in San Ramon	0.13%	(3.0)	1.35%
TIAA Bank	0.14%	(3.0)	0.18%
Guild Mortgage Company	0.14%	(3.0)	0.26%
loanDepot	0.14%	(3.0)	0.57%
PrimeLending	0.14%	(3.0)	0.41%
Summit Funding Inc	0.14%	(3.0)	0.21%
Academy Mortgage Corporation Utah	0.14%	(3.0)	0.14%
CIT Bank	0.15%	(3.0)	0.59%
Bay Equity Home Loans	0.15%	(3.0)	0.23%
Guaranteed Rate Affinity	0.15%	(2.5)	0.71%
Eagle Home Mortgage	0.16%	(2.5)	0.14%
Commerce Home Mortgage	0.16%	(2.5)	0.45%
Synergy One Lending	0.17%	(2.5)	0.41%
LendUS LLC	0.17%	(2.5)	0.35%
Finance of America Mortgage	0.22%	(2.5)	0.53%
JMAC	0.24%	(2.5)	0.86%
NewRez	0.26%	(2.0)	0.51%
American Pacific Mortgage	0.26%	(2.0)	1.14%
Flagstar Bank	0.27%	(2.0)	1.94%
Quicken Loans	0.30%	(2.0)	1.68%
Caliber Home Loans	0.30%	(2.0)	0.71%

Lender Name	Rate Difference	Rate Rating	Market Share
Citibank	-0.10%	(4.0)	6.28%
Bank of America	-0.09%	(4.0)	16.61%
Wells Fargo Bank	-0.08%	(4.0)	42.04%
First Republic Bank	-0.02%	(3.5)	1.06%
Star One Credit Union	0.02%	(3.5)	0.88%
Golden 1 Credit Union	0.03%	(3.5)	0.88%
Ally Bank	0.04%	(3.5)	0.56%
Stanford Federal Credit Union	0.05%	(3.5)	0.56%
Pulte Mortgage LLC	0.05%	(3.5)	0.53%
BBVA	0.06%	(3.0)	0.35%
KeyPoint Credit Union	0.06%	(3.0)	0.15%
HSBC Bank USA	0.07%	(3.0)	0.35%
Santa Clara County Federal Credit Union	0.07%	(3.0)	0.03%
Prosperity Home Mortgage LLC	0.07%	(3.0)	0.12%
Watermark Home Loans	0.07%	(3.0)	0.06%
Cherry Creek Mortgage	0.07%	(3.0)	0.03%
Technology Credit Union	0.08%	(3.0)	0.06%
Patelco Credit Union	0.08%	(3.0)	0.27%
Movement Mortgage	0.08%	(3.0)	0.03%
Plaza Home Mortgage	0.08%	(3.0)	0.03%
Summit Mortgage Banker	0.08%	(3.0)	0.03%
CEFCU	0.08%	(3.0)	0.03%
T.J. Financial,ÊInc	0.08%	(3.0)	0.03%
US Bank	0.08%	(3.0)	2.65%
On Q Financial	0.08%	(3.0)	0.03%
OGI Mortgage Bankers	0.08%	(3.0)	0.06%
Charles Schwab Bank	0.09%	(3.0)	0.15%
TIAA Bank	0.09%	(3.0)	0.03%
KBHS Home Loans	0.09%	(3.0)	0.41%
Midwest Equity Mortgage	0.09%	(3.0)	0.06%
Provident Credit Union	0.09%	(3.0)	0.06%
Mountain West Financial	0.09%	(3.0)	0.03%
First Choice Loan Services	0.09%	(3.0)	0.06%
DHI Mortgage Company Limited	0.09%	(3.0)	0.18%
Googain	0.09%	(3.0)	0.27%
HighTechLending	0.09%	(3.0)	0.03%
Dignified Home Loans	0.09%	(3.0)	0.06%
PRMG Mortgage	0.09%	(3.0)	0.09%
First Technology Credit Union	0.10%	(3.0)	0.03%
Union Bank	0.10%	(3.0)	0.09%
PNC Bank	0.10%	(3.0)	1.65%
Supreme Lending	0.10%	(3.0)	0.06%
Benchmark	0.10%	(3.0)	0.09%
Navy Federal Credit Union	0.10%	(3.0)	0.35%
CashCall Mortgage	0.10%	(3.0)	0.03%
Land Home Financial Services	0.10%	(3.0)	0.03%
Newfi Lending	0.10%	(3.0)	0.03%
FirstBank TN	0.10%	(3.0)	0.03%
HomeBridge Financial Services	0.10%	(3.0)	0.09%
Home Point Financial Corporation	0.11%	(3.0)	0.06%
Planet Home Lending	0.11%	(3.0)	0.09%
Mechanics Bank CA	0.11%	(3.0)	0.09%
Bank in San Ramon	0.12%	(3.0)	1.50%
Meriwest Mortgage	0.12%	(3.0)	0.38%
New American Funding	0.12%	(3.0)	0.24%
Stearns Home Loans	0.13%	(3.0)	0.21%
Sierra Pacific Mortgage	0.13%	(3.0)	0.18%
General Mortgage Capital Corporation	0.13%	(3.0)	0.06%
Morgan Stanley Private Bank	0.13%	(3.0)	0.41%
Fairway Independent Mortgage Corporation	0.13%	(3.0)	0.18%
Premier Lending Inc	0.13%	(3.0)	0.18%
Guild Mortgage Company	0.14%	(3.0)	0.27%
Guaranteed Rate	0.15%	(3.0)	0.80%
Mason-McDuffie Mortgage Corporation	0.16%	(2.5)	0.24%
CMG Financial	0.16%	(2.5)	0.18%
Summit Funding Inc	0.17%	(2.5)	0.21%
Bay Equity Home Loans	0.17%	(2.5)	0.21%
HomeServices Lending	0.17%	(2.5)	0.50%
CIT Bank	0.17%	(2.5)	0.38%
Eagle Home Mortgage	0.18%	(2.5)	0.27%
Academy Mortgage Corporation Utah	0.18%	(2.5)	0.21%
PrimeLending	0.19%	(2.5)	0.32%
Commerce Home Mortgage	0.19%	(2.5)	0.41%
Synergy One Lending	0.20%	(2.5)	0.32%
JPMorgan Chase Bank	0.20%	(2.5)	6.43%
loanDepot	0.21%	(2.5)	0.53%
LendUS LLC	0.21%	(2.5)	0.44%
Guaranteed Rate Affinity	0.22%	(2.5)	0.86%
Finance of America Mortgage	0.25%	(2.0)	0.56%
Quicken Loans	0.25%	(2.0)	0.68%
JMAC	0.26%	(2.0)	0.56%
American Pacific Mortgage	0.29%	(2.0)	1.33%
NewRez	0.29%	(2.0)	0.35%
Flagstar Bank	0.33%	(2.0)	1.95%
Caliber Home Loans	0.42%	(1.5)	0.83%

Lender Name	Rate Difference	Rate Rating	Market Share
Citibank	-0.19%	(4.5)	6.70%
Ally Bank	-0.14%	(4.0)	1.50%
Morgan Stanley Private Bank	-0.10%	(4.0)	0.95%
Bank of America	-0.10%	(4.0)	22.50%
First Republic Bank	-0.10%	(4.0)	0.83%
Star One Credit Union	-0.05%	(4.0)	2.05%
Charles Schwab Bank	-0.03%	(3.5)	0.89%
BBVA	-0.01%	(3.5)	0.43%
Googain	-0.01%	(3.5)	1.01%
Wells Fargo Bank	0.00%	(3.5)	23.85%
PNC Bank	0.01%	(3.5)	2.45%
Provident Credit Union	0.03%	(3.5)	0.18%
Boston Private	0.03%	(3.5)	0.06%
Stanford Federal Credit Union	0.03%	(3.5)	0.43%
LenderFi	0.04%	(3.5)	0.03%
Summit Mortgage Banker	0.04%	(3.5)	0.21%
Watermark Home Loans	0.04%	(3.5)	0.09%
Movement Mortgage	0.04%	(3.5)	0.03%
JPMorgan Chase Bank	0.04%	(3.5)	9.23%
KeyPoint Credit Union	0.04%	(3.5)	0.43%
Meriwest Mortgage	0.04%	(3.5)	0.43%
AimLoan.com	0.04%	(3.5)	0.09%
HSBC Bank USA	0.05%	(3.5)	0.24%
Prosperity Home Mortgage LLC	0.05%	(3.5)	0.06%
General Mortgage Capital Corporation	0.05%	(3.5)	0.12%
Planet Home Lending	0.05%	(3.5)	0.03%
Cherry Creek Mortgage	0.05%	(3.5)	0.03%
HomeBridge Financial Services	0.05%	(3.5)	0.15%
OGI Mortgage Bankers	0.05%	(3.5)	0.06%
Academy Mortgage Corporation Utah	0.05%	(3.0)	0.06%
New American Funding	0.05%	(3.0)	0.15%
Midwest Equity Mortgage	0.05%	(3.0)	0.43%
Home Point Financial Corporation	0.05%	(3.0)	0.06%
Technology Credit Union	0.05%	(3.0)	0.28%
Fairway Independent Mortgage Corporation	0.05%	(3.0)	0.12%
Mechanics Bank CA	0.06%	(3.0)	0.21%
CEFCU	0.06%	(3.0)	0.09%
Dignified Home Loans	0.06%	(3.0)	0.03%
Pacific Bay Lending Group	0.06%	(3.0)	0.03%
HighTechLending	0.06%	(3.0)	0.06%
HomeServices Lending	0.06%	(3.0)	0.24%
Navy Federal Credit Union	0.06%	(3.0)	0.09%
CMG Financial	0.06%	(3.0)	0.09%
Guaranteed Rate Affinity	0.06%	(3.0)	0.55%
MiMutual Mortgage	0.07%	(3.0)	0.03%
Cardinal Financial Company	0.07%	(3.0)	0.12%
Guaranteed Rate	0.07%	(3.0)	1.38%
Provident Funding	0.07%	(3.0)	0.06%
Santa Clara County Federal Credit Union	0.07%	(3.0)	0.18%
Patelco Credit Union	0.07%	(3.0)	0.28%
Sierra Pacific Mortgage	0.07%	(3.0)	0.15%
Union Bank	0.07%	(3.0)	0.31%
T.J. Financial,ÊInc	0.07%	(3.0)	0.15%
Mason-McDuffie Mortgage Corporation	0.07%	(3.0)	0.12%
Carrington Mortgage Services	0.07%	(3.0)	0.03%
Golden 1 Credit Union	0.08%	(3.0)	0.70%
Supreme Lending	0.08%	(3.0)	0.12%
loanDepot	0.08%	(3.0)	0.61%
Plaza Home Mortgage	0.08%	(3.0)	0.06%
Land Home Financial Services	0.08%	(3.0)	0.06%
Newfi Lending	0.09%	(3.0)	0.15%
First Technology Credit Union	0.10%	(3.0)	0.34%
US Bank	0.10%	(3.0)	3.79%
PrimeLending	0.10%	(3.0)	0.49%
LendUS LLC	0.11%	(3.0)	0.24%
Stearns Home Loans	0.11%	(3.0)	0.34%
Summit Funding Inc	0.12%	(3.0)	0.21%
CIT Bank	0.13%	(3.0)	0.79%
CashCall Mortgage	0.13%	(3.0)	0.09%
TIAA Bank	0.13%	(3.0)	0.34%
PRMG Mortgage	0.13%	(3.0)	0.12%
Bay Equity Home Loans	0.13%	(3.0)	0.24%
Caliber Home Loans	0.13%	(3.0)	0.58%
Guild Mortgage Company	0.13%	(3.0)	0.24%
Commerce Home Mortgage	0.13%	(3.0)	0.49%
Synergy One Lending	0.14%	(3.0)	0.49%
Bank in San Ramon	0.15%	(3.0)	1.19%
Finance of America Mortgage	0.18%	(2.5)	0.49%
Flagstar Bank	0.20%	(2.5)	1.93%
JMAC	0.22%	(2.5)	1.16%
American Pacific Mortgage	0.22%	(2.5)	0.95%
NewRez	0.24%	(2.5)	0.67%
Quicken Loans	0.30%	(2.0)	2.72%

Lender Name	Rate Difference	Rate Rating	Market Share
loanDepot	-0.09%	(4.0)	6.45%
PennyMac Loan Services	-0.08%	(4.0)	5.62%
Navy Federal Credit Union	-0.07%	(4.0)	3.70%
Inspire Home Loans	-0.04%	(3.5)	4.06%
Plaza Home Mortgage	-0.02%	(3.5)	1.08%
Stearns Home Loans	-0.02%	(3.5)	4.78%
Lakeview Loan Servicing	-0.01%	(3.5)	0.72%
Guaranteed Rate	-0.01%	(3.5)	0.96%
Home Point Financial Corporation	-0.01%	(3.5)	3.94%
Caliber Home Loans	-0.01%	(3.5)	7.53%
Flagstar Bank	-0.01%	(3.5)	4.90%
Bay Equity Home Loans	-0.00%	(3.5)	1.08%
FirstBank TN	-0.00%	(3.5)	0.12%
US Bank	-0.00%	(3.5)	0.24%
Amerisave Mortgage Corporation	0.00%	(3.5)	0.36%
Watermark Home Loans	0.00%	(3.5)	0.12%
Synergy One Lending	0.00%	(3.5)	0.60%
Wells Fargo Bank	0.00%	(3.5)	0.96%
Midwest Equity Mortgage	0.00%	(3.5)	0.24%
Benchmark	0.00%	(3.5)	0.12%
Cherry Creek Mortgage	0.00%	(3.5)	0.12%
DHI Mortgage Company Limited	0.00%	(3.5)	0.12%
LendUS LLC	0.00%	(3.5)	0.36%
OGI Mortgage Bankers	0.00%	(3.5)	0.48%
MiMutual Mortgage	0.01%	(3.5)	0.96%
HomeBridge Financial Services	0.01%	(3.5)	1.91%
First Choice Loan Services	0.01%	(3.5)	0.48%
HighTechLending	0.01%	(3.5)	0.12%
Cardinal Financial Company	0.01%	(3.5)	0.12%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	0.60%
Bank in San Ramon	0.01%	(3.5)	0.12%
LoanStream Mortgage	0.01%	(3.5)	0.12%
Quicken Loans	0.01%	(3.5)	9.08%
Union Bank	0.01%	(3.5)	0.24%
First Savings Bank	0.01%	(3.5)	0.12%
PRMG Mortgage	0.01%	(3.5)	0.84%
Dignified Home Loans	0.02%	(3.5)	0.12%
Land Home Financial Services	0.02%	(3.5)	0.24%
Commerce Home Mortgage	0.02%	(3.5)	0.48%
Pacific Bay Lending Group	0.02%	(3.5)	0.24%
JMAC	0.02%	(3.5)	0.36%
HomeServices Lending	0.02%	(3.5)	0.60%
NBKC Bank	0.02%	(3.5)	0.36%
Supreme Lending	0.02%	(3.5)	0.36%
Movement Mortgage	0.02%	(3.5)	0.12%
Planet Home Lending	0.02%	(3.5)	0.48%
JPMorgan Chase Bank	0.02%	(3.5)	0.48%
PrimeLending	0.02%	(3.5)	0.48%
Guild Mortgage Company	0.03%	(3.5)	2.03%
Guaranteed Rate Affinity	0.03%	(3.5)	1.08%
New American Funding	0.03%	(3.5)	0.72%
Mountain West Financial	0.03%	(3.5)	0.48%
NewRez	0.03%	(3.5)	0.60%
American Pacific Mortgage	0.03%	(3.5)	4.90%
Finance of America Mortgage	0.03%	(3.5)	2.63%
Academy Mortgage Corporation Utah	0.03%	(3.5)	0.24%
Mason-McDuffie Mortgage Corporation	0.04%	(3.5)	2.51%
Mr. Cooper	0.04%	(3.5)	1.67%
USAA	0.04%	(3.5)	5.14%
Summit Funding Inc	0.05%	(3.5)	2.03%
Freedom Mortgage Corporation	0.05%	(3.0)	2.15%
Sierra Pacific Mortgage	0.05%	(3.0)	1.08%
On Q Financial	0.05%	(3.0)	0.60%
CMG Financial	0.06%	(3.0)	2.51%
Carrington Mortgage Services	0.12%	(3.0)	2.03%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.09%	(4.0)	7.74%
Inspire Home Loans	-0.04%	(3.5)	10.12%
Quicken Loans	-0.04%	(3.5)	7.44%
loanDepot	-0.03%	(3.5)	2.68%
Stearns Home Loans	-0.02%	(3.5)	5.65%
Guaranteed Rate	-0.01%	(3.5)	1.19%
Synergy One Lending	-0.01%	(3.5)	0.89%
Mr. Cooper	-0.00%	(3.5)	0.89%
Wells Fargo Bank	-0.00%	(3.5)	2.08%
Plaza Home Mortgage	-0.00%	(3.5)	0.30%
US Bank	-0.00%	(3.5)	0.60%
MiMutual Mortgage	-0.00%	(3.5)	0.60%
Home Point Financial Corporation	0.00%	(3.5)	1.19%
Midwest Equity Mortgage	0.00%	(3.5)	0.60%
American Pacific Mortgage	0.00%	(3.5)	4.76%
PennyMac Loan Services	0.00%	(3.5)	1.19%
First Choice Loan Services	0.00%	(3.5)	0.30%
Cherry Creek Mortgage	0.00%	(3.5)	0.30%
DHI Mortgage Company Limited	0.00%	(3.5)	0.30%
Bay Equity Home Loans	0.00%	(3.5)	0.60%
OGI Mortgage Bankers	0.01%	(3.5)	0.30%
Union Bank	0.01%	(3.5)	0.30%
HomeBridge Financial Services	0.01%	(3.5)	0.30%
Cardinal Financial Company	0.01%	(3.5)	0.30%
LoanStream Mortgage	0.01%	(3.5)	0.30%
Flagstar Bank	0.01%	(3.5)	3.57%
Dignified Home Loans	0.02%	(3.5)	0.30%
Commerce Home Mortgage	0.02%	(3.5)	0.89%
NewRez	0.02%	(3.5)	0.60%
Caliber Home Loans	0.02%	(3.5)	7.44%
HomeServices Lending	0.02%	(3.5)	1.49%
JPMorgan Chase Bank	0.02%	(3.5)	0.60%
Land Home Financial Services	0.02%	(3.5)	0.30%
Supreme Lending	0.02%	(3.5)	0.30%
Planet Home Lending	0.02%	(3.5)	1.19%
Finance of America Mortgage	0.02%	(3.5)	3.87%
Mason-McDuffie Mortgage Corporation	0.02%	(3.5)	3.27%
JMAC	0.03%	(3.5)	0.60%
Guild Mortgage Company	0.03%	(3.5)	1.19%
NBKC Bank	0.03%	(3.5)	0.60%
Mountain West Financial	0.03%	(3.5)	1.19%
PrimeLending	0.03%	(3.5)	0.89%
PRMG Mortgage	0.03%	(3.5)	0.89%
Academy Mortgage Corporation Utah	0.03%	(3.5)	0.60%
New American Funding	0.03%	(3.5)	0.89%
Freedom Mortgage Corporation	0.03%	(3.5)	2.08%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	0.30%
Guaranteed Rate Affinity	0.04%	(3.5)	1.79%
CMG Financial	0.05%	(3.5)	1.79%
On Q Financial	0.05%	(3.0)	1.49%
USAA	0.05%	(3.0)	6.55%
Sierra Pacific Mortgage	0.06%	(3.0)	2.08%
Summit Funding Inc	0.08%	(3.0)	2.38%

Lender Name	Rate Difference	Rate Rating	Market Share
loanDepot	-0.10%	(4.0)	8.98%
PennyMac Loan Services	-0.09%	(4.0)	8.58%
Caliber Home Loans	-0.02%	(3.5)	7.58%
Plaza Home Mortgage	-0.02%	(3.5)	1.60%
Lakeview Loan Servicing	-0.01%	(3.5)	1.20%
Guaranteed Rate	-0.01%	(3.5)	0.80%
Flagstar Bank	-0.01%	(3.5)	5.79%
Stearns Home Loans	-0.01%	(3.5)	4.19%
Home Point Financial Corporation	-0.01%	(3.5)	5.79%
Bay Equity Home Loans	-0.01%	(3.5)	1.40%
FirstBank TN	-0.00%	(3.5)	0.20%
Amerisave Mortgage Corporation	0.00%	(3.5)	0.60%
Watermark Home Loans	0.00%	(3.5)	0.20%
Benchmark	0.00%	(3.5)	0.20%
PRMG Mortgage	0.00%	(3.5)	0.80%
NBKC Bank	0.00%	(3.5)	0.20%
JMAC	0.00%	(3.5)	0.20%
OGI Mortgage Bankers	0.00%	(3.5)	0.60%
LendUS LLC	0.01%	(3.5)	0.60%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	0.80%
HomeBridge Financial Services	0.01%	(3.5)	2.99%
Guaranteed Rate Affinity	0.01%	(3.5)	0.60%
First Choice Loan Services	0.01%	(3.5)	0.60%
HighTechLending	0.01%	(3.5)	0.20%
PrimeLending	0.01%	(3.5)	0.20%
MiMutual Mortgage	0.01%	(3.5)	1.20%
Synergy One Lending	0.01%	(3.5)	0.40%
Bank in San Ramon	0.01%	(3.5)	0.20%
Land Home Financial Services	0.01%	(3.5)	0.20%
First Savings Bank	0.01%	(3.5)	0.20%
Sierra Pacific Mortgage	0.02%	(3.5)	0.40%
Summit Funding Inc	0.02%	(3.5)	1.80%
Navy Federal Credit Union	0.02%	(3.5)	1.00%
Supreme Lending	0.02%	(3.5)	0.40%
Pacific Bay Lending Group	0.02%	(3.5)	0.40%
Union Bank	0.02%	(3.5)	0.20%
Movement Mortgage	0.02%	(3.5)	0.20%
New American Funding	0.02%	(3.5)	0.60%
Commerce Home Mortgage	0.02%	(3.5)	0.20%
Wells Fargo Bank	0.03%	(3.5)	0.20%
Guild Mortgage Company	0.03%	(3.5)	2.59%
JPMorgan Chase Bank	0.03%	(3.5)	0.40%
USAA	0.03%	(3.5)	4.19%
NewRez	0.04%	(3.5)	0.60%
Quicken Loans	0.04%	(3.5)	10.18%
Finance of America Mortgage	0.04%	(3.5)	1.80%
American Pacific Mortgage	0.05%	(3.5)	4.99%
Mason-McDuffie Mortgage Corporation	0.05%	(3.5)	2.00%
Mr. Cooper	0.05%	(3.0)	2.20%
Freedom Mortgage Corporation	0.06%	(3.0)	2.20%
CMG Financial	0.07%	(3.0)	2.99%
Carrington Mortgage Services	0.12%	(3.0)	3.39%

* Data is compiled for the San Jose, CA commuting zone area, which comprises of counties of Monterey County, CA, San Benito County, CA, Santa Clara County, CA, and Santa Cruz County, CA. This includes cities/towns/communities of San Jose, CA as well as Sunnyvale, CA, Milpitas, CA, Santa Clara, CA, Salinas, CA, Hollister, CA, Mountain View, CA, Gilroy, CA, Palo Alto, CA, Morgan Hill, CA, Campbell, CA, Cupertino, CA, Saratoga, CA, Los Gatos, CA, Santa Cruz, CA, Los Altos, CA, Seaside, CA, Scotts Valley, CA, Cambrian Park, CA, Watsonville, CA, Alum Rock, CA, Marina, CA, Monterey, CA, Rio del Mar, CA, Soledad, CA, Soquel, CA, Boulder Creek, CA, San Martin, CA, Del Monte Forest, CA, Loyola, CA, Monte Sereno, CA, Pacific Grove, CA, Capitola, CA, Carmel-by-the-Sea, CA, Day Valley, CA, Prunedale, CA, King City, CA, Elkhorn, CA, Live Oak, CA, Greenfield, CA, Brookdale, CA, Paradise Park, CA, Carmel Valley Village, CA, Zayante, CA, Ridgemark, CA, Tres Pinos, CA, Fruitdale, CA, Boronda, CA, Lexington Hills, CA, Pleasure Point, CA, and Gonzales, CA. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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