Top Mortgage Lenders in Columbia, TN

Lender Rankings / Last Updated: January 25, 2021

Which mortgage lender in the Columbia, TN 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, TN 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, TN area in terms of interest rate is Mortgage Investors Group, with an average “Rate Difference” of -0.11%. This means that, comparing similar borrowers, Mortgage Investors Group provided a -0.11% lower interest rate for its customers than other lenders in the area. Mortgage Investors Group has a market share of 2.4%. On the other hand, the most popular lender in the Columbia, TN area is Quicken Loans, with a larger market share of 15.6%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.03% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Columbia, TN 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, TN is Mortgage Investors Group. 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 Regions Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is SWBC Mortgage. The cheapest VA mortgage provider is First Community Mortgage. 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, TN

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Mortgage Investors Group-0.11%(4.0)2.37%
Pulte Mortgage LLC-0.10%(4.0)2.79%
F&M Bank TN-0.10%(4.0)1.30%
SWBC Mortgage-0.08%(4.0)2.26%
Bank of America-0.08%(4.0)1.02%
US Bank-0.07%(4.0)2.07%
Gateway First Bank-0.06%(4.0)1.19%
Kelley Mortgage-0.06%(4.0)1.68%
JPMorgan Chase Bank-0.05%(4.0)0.99%
Ameris Bank-0.05%(4.0)0.97%
Pinnacle Financial Partners-0.05%(3.5)2.07%
IBERIABANK-0.05%(3.5)1.02%
Reliant Bank-0.05%(3.5)1.43%
Movement Mortgage-0.04%(3.5)1.46%
Guaranty Home Mortgage Corporation-0.04%(3.5)2.23%
FirstBank TN-0.03%(3.5)5.35%
Caliber Home Loans-0.03%(3.5)0.99%
DHI Mortgage Company Limited-0.03%(3.5)1.19%
Acopia Home Loans-0.03%(3.5)1.99%
Cardinal Financial Company-0.02%(3.5)1.35%
Renasant Bank-0.02%(3.5)1.63%
Fifth Third Bank-0.02%(3.5)0.97%
USAA-0.02%(3.5)0.91%
Churchill Mortgage-0.02%(3.5)2.40%
PennyMac Loan Services-0.01%(3.5)1.99%
SunTrust Bank-0.01%(3.5)1.79%
First Horizon Bank-0.01%(3.5)0.91%
First National Bank of Middle Tennessee-0.01%(3.5)2.84%
Bank of England AR-0.00%(3.5)0.99%
Wells Fargo Bank0.01%(3.5)1.46%
CMG Financial0.02%(3.5)4.44%
Fairway Independent Mortgage Corporation0.03%(3.5)1.79%
Regions Bank0.03%(3.5)3.72%
Quicken Loans0.03%(3.5)15.64%
loanDepot0.03%(3.5)4.22%
Carrington Mortgage Services0.04%(3.5)1.24%
First Community Mortgage0.05%(3.5)5.10%
Mr. Cooper0.06%(3.0)1.38%
Ascend Federal Credit Union0.07%(3.0)2.21%
Legacy Mutual Mortgage0.09%(3.0)4.28%
My First Farmers0.09%(3.0)2.37%
Farm Credit Mid-America0.13%(3.0)1.99%
Lender NameRate DifferenceRate RatingMarket Share
F&M Bank TN-0.11%(4.0)1.94%
Pulte Mortgage LLC-0.10%(4.0)4.65%
JPMorgan Chase Bank-0.10%(4.0)0.65%
Bank of America-0.09%(4.0)0.74%
Mortgage Investors Group-0.09%(4.0)2.90%
US Bank-0.09%(4.0)1.98%
SWBC Mortgage-0.08%(4.0)3.27%
Kelley Mortgage-0.06%(4.0)2.03%
Ameris Bank-0.06%(4.0)1.38%
Gateway First Bank-0.06%(4.0)1.38%
IBERIABANK-0.05%(3.5)1.52%
Movement Mortgage-0.04%(3.5)1.71%
Wells Fargo Bank-0.04%(3.5)1.34%
Fifth Third Bank-0.04%(3.5)0.78%
Guaranty Home Mortgage Corporation-0.04%(3.5)2.90%
FirstBank TN-0.04%(3.5)6.77%
Pinnacle Financial Partners-0.03%(3.5)2.58%
Regions Bank-0.03%(3.5)3.00%
Cardinal Financial Company-0.03%(3.5)1.61%
DHI Mortgage Company Limited-0.02%(3.5)1.98%
Reliant Bank-0.02%(3.5)1.34%
Acopia Home Loans-0.02%(3.5)1.98%
First National Bank of Middle Tennessee-0.02%(3.5)2.76%
Caliber Home Loans-0.01%(3.5)0.55%
USAA-0.01%(3.5)0.92%
Churchill Mortgage-0.00%(3.5)3.27%
PennyMac Loan Services-0.00%(3.5)0.37%
First Horizon Bank0.00%(3.5)0.97%
Renasant Bank0.00%(3.5)1.75%
Bank of England AR0.01%(3.5)1.24%
Carrington Mortgage Services0.02%(3.5)0.28%
Mr. Cooper0.02%(3.5)0.69%
SunTrust Bank0.03%(3.5)1.57%
Fairway Independent Mortgage Corporation0.03%(3.5)2.63%
CMG Financial0.03%(3.5)6.41%
Quicken Loans0.04%(3.5)6.41%
First Community Mortgage0.06%(3.0)7.28%
My First Farmers0.07%(3.0)0.97%
loanDepot0.07%(3.0)3.73%
Legacy Mutual Mortgage0.13%(3.0)5.48%
Ascend Federal Credit Union0.14%(3.0)1.80%
Farm Credit Mid-America0.18%(2.5)2.49%
Lender NameRate DifferenceRate RatingMarket Share
Mortgage Investors Group-0.17%(4.5)1.58%
Pinnacle Financial Partners-0.10%(4.0)1.31%
Bank of America-0.08%(4.0)1.44%
Reliant Bank-0.08%(4.0)1.58%
Renasant Bank-0.07%(4.0)1.44%
SWBC Mortgage-0.06%(4.0)0.76%
Gateway First Bank-0.06%(4.0)0.89%
Churchill Mortgage-0.06%(4.0)1.10%
SunTrust Bank-0.05%(3.5)2.13%
US Bank-0.04%(3.5)2.20%
Caliber Home Loans-0.04%(3.5)1.65%
Legacy Mutual Mortgage-0.04%(3.5)2.47%
Kelley Mortgage-0.04%(3.5)1.17%
Acopia Home Loans-0.04%(3.5)1.99%
Guaranty Home Mortgage Corporation-0.04%(3.5)1.24%
Movement Mortgage-0.03%(3.5)1.10%
F&M Bank TN-0.03%(3.5)0.34%
CMG Financial-0.03%(3.5)1.51%
USAA-0.03%(3.5)0.89%
Bank of England AR-0.03%(3.5)0.62%
JPMorgan Chase Bank-0.03%(3.5)1.51%
First Horizon Bank-0.02%(3.5)0.82%
FirstBank TN-0.02%(3.5)3.23%
IBERIABANK-0.02%(3.5)0.27%
PennyMac Loan Services-0.02%(3.5)4.40%
Cardinal Financial Company-0.02%(3.5)0.96%
loanDepot-0.02%(3.5)4.95%
Ameris Bank-0.01%(3.5)0.34%
Farm Credit Mid-America-0.01%(3.5)1.24%
Fifth Third Bank-0.00%(3.5)1.24%
First Community Mortgage0.00%(3.5)1.86%
Fairway Independent Mortgage Corporation0.01%(3.5)0.55%
Ascend Federal Credit Union0.01%(3.5)2.82%
First National Bank of Middle Tennessee0.01%(3.5)2.96%
Quicken Loans0.02%(3.5)29.42%
Carrington Mortgage Services0.04%(3.5)2.68%
Wells Fargo Bank0.06%(3.0)1.65%
Mr. Cooper0.07%(3.0)2.41%
Regions Bank0.08%(3.0)4.81%
My First Farmers0.09%(3.0)4.47%
Lender NameRate DifferenceRate RatingMarket Share
Mortgage Investors Group-0.15%(4.5)2.15%
F&M Bank TN-0.12%(4.0)1.39%
Pulte Mortgage LLC-0.12%(4.0)3.67%
Bank of America-0.09%(4.0)1.39%
US Bank-0.08%(4.0)2.62%
SWBC Mortgage-0.08%(4.0)1.98%
Ameris Bank-0.07%(4.0)1.01%
Gateway First Bank-0.07%(4.0)0.76%
JPMorgan Chase Bank-0.06%(4.0)1.39%
Reliant Bank-0.05%(4.0)1.94%
loanDepot-0.05%(4.0)3.29%
Pinnacle Financial Partners-0.05%(3.5)2.32%
Movement Mortgage-0.05%(3.5)1.69%
DHI Mortgage Company Limited-0.05%(3.5)1.48%
Kelley Mortgage-0.04%(3.5)1.06%
Renasant Bank-0.04%(3.5)1.60%
CMG Financial-0.04%(3.5)3.42%
IBERIABANK-0.03%(3.5)0.76%
Acopia Home Loans-0.03%(3.5)1.44%
Cardinal Financial Company-0.03%(3.5)1.10%
Churchill Mortgage-0.03%(3.5)2.45%
FirstBank TN-0.03%(3.5)5.41%
Fifth Third Bank-0.02%(3.5)1.27%
Caliber Home Loans-0.02%(3.5)0.34%
Guaranty Home Mortgage Corporation-0.01%(3.5)1.73%
SunTrust Bank-0.01%(3.5)2.66%
Bank of England AR-0.01%(3.5)1.01%
USAA-0.01%(3.5)0.38%
First Horizon Bank-0.01%(3.5)1.22%
First National Bank of Middle Tennessee-0.00%(3.5)3.12%
Wells Fargo Bank0.00%(3.5)2.03%
PennyMac Loan Services0.03%(3.5)1.22%
Carrington Mortgage Services0.03%(3.5)0.46%
Regions Bank0.03%(3.5)5.19%
Legacy Mutual Mortgage0.05%(3.0)2.74%
First Community Mortgage0.05%(3.0)4.73%
Mr. Cooper0.07%(3.0)0.89%
Fairway Independent Mortgage Corporation0.07%(3.0)1.14%
Quicken Loans0.07%(3.0)15.92%
Ascend Federal Credit Union0.07%(3.0)3.25%
My First Farmers0.09%(3.0)3.63%
Farm Credit Mid-America0.15%(2.5)2.70%
Lender NameRate DifferenceRate RatingMarket Share
Mortgage Investors Group-0.13%(4.0)2.21%
F&M Bank TN-0.12%(4.0)2.37%
US Bank-0.11%(4.0)2.37%
Pulte Mortgage LLC-0.11%(4.0)6.64%
JPMorgan Chase Bank-0.10%(4.0)0.99%
Bank of America-0.10%(4.0)0.99%
SWBC Mortgage-0.07%(4.0)2.82%
Ameris Bank-0.07%(4.0)1.45%
Gateway First Bank-0.06%(4.0)0.84%
Wells Fargo Bank-0.05%(3.5)1.83%
Movement Mortgage-0.04%(3.5)2.06%
Fifth Third Bank-0.04%(3.5)0.99%
DHI Mortgage Company Limited-0.03%(3.5)2.67%
Kelley Mortgage-0.03%(3.5)1.15%
Cardinal Financial Company-0.03%(3.5)1.22%
CMG Financial-0.03%(3.5)4.73%
Regions Bank-0.02%(3.5)4.27%
IBERIABANK-0.02%(3.5)1.30%
Reliant Bank-0.02%(3.5)1.83%
Acopia Home Loans-0.02%(3.5)1.60%
FirstBank TN-0.02%(3.5)6.79%
Pinnacle Financial Partners-0.01%(3.5)3.05%
loanDepot-0.01%(3.5)2.82%
First National Bank of Middle Tennessee-0.01%(3.5)2.98%
Churchill Mortgage-0.01%(3.5)3.36%
Caliber Home Loans-0.00%(3.5)0.15%
Renasant Bank0.00%(3.5)1.53%
USAA0.00%(3.5)0.38%
Guaranty Home Mortgage Corporation0.01%(3.5)2.21%
Bank of England AR0.01%(3.5)1.37%
First Horizon Bank0.01%(3.5)1.30%
Carrington Mortgage Services0.01%(3.5)0.08%
PennyMac Loan Services0.01%(3.5)0.38%
Mr. Cooper0.02%(3.5)0.31%
SunTrust Bank0.03%(3.5)2.44%
My First Farmers0.07%(3.0)1.60%
Quicken Loans0.07%(3.0)6.26%
First Community Mortgage0.08%(3.0)7.02%
Fairway Independent Mortgage Corporation0.10%(3.0)1.60%
Legacy Mutual Mortgage0.11%(3.0)3.44%
Ascend Federal Credit Union0.15%(3.0)2.90%
Farm Credit Mid-America0.21%(2.5)3.66%
Lender NameRate DifferenceRate RatingMarket Share
Mortgage Investors Group-0.18%(4.5)2.08%
Pinnacle Financial Partners-0.12%(4.0)1.42%
Bank of America-0.10%(4.0)1.89%
Reliant Bank-0.09%(4.0)2.08%
loanDepot-0.09%(4.0)3.88%
Renasant Bank-0.08%(4.0)1.70%
SWBC Mortgage-0.08%(4.0)0.95%
Gateway First Bank-0.08%(4.0)0.66%
Churchill Mortgage-0.07%(4.0)1.32%
Legacy Mutual Mortgage-0.06%(4.0)1.89%
SunTrust Bank-0.06%(4.0)2.93%
US Bank-0.06%(4.0)2.93%
Kelley Mortgage-0.06%(4.0)0.95%
Bank of England AR-0.05%(4.0)0.57%
F&M Bank TN-0.05%(4.0)0.19%
Movement Mortgage-0.05%(3.5)1.23%
Guaranty Home Mortgage Corporation-0.05%(3.5)1.13%
Acopia Home Loans-0.05%(3.5)1.23%
CMG Financial-0.05%(3.5)1.80%
JPMorgan Chase Bank-0.04%(3.5)1.89%
FirstBank TN-0.04%(3.5)3.69%
First Horizon Bank-0.04%(3.5)1.13%
Cardinal Financial Company-0.03%(3.5)0.95%
Caliber Home Loans-0.03%(3.5)0.57%
IBERIABANK-0.03%(3.5)0.09%
USAA-0.02%(3.5)0.38%
Ameris Bank-0.02%(3.5)0.47%
Farm Credit Mid-America-0.02%(3.5)1.51%
Fifth Third Bank-0.01%(3.5)1.61%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.57%
First Community Mortgage-0.01%(3.5)1.89%
Ascend Federal Credit Union-0.00%(3.5)3.69%
First National Bank of Middle Tennessee0.01%(3.5)3.31%
Carrington Mortgage Services0.02%(3.5)0.95%
PennyMac Loan Services0.02%(3.5)2.27%
Wells Fargo Bank0.05%(3.0)2.27%
Quicken Loans0.06%(3.0)27.88%
Mr. Cooper0.07%(3.0)1.61%
Regions Bank0.07%(3.0)6.33%
My First Farmers0.08%(3.0)6.14%
Lender NameRate DifferenceRate RatingMarket Share
SWBC Mortgage-0.09%(4.0)3.67%
Guaranty Home Mortgage Corporation-0.08%(4.0)2.89%
F&M Bank TN-0.08%(4.0)1.11%
Quicken Loans-0.07%(4.0)15.56%
Kelley Mortgage-0.07%(4.0)2.89%
IBERIABANK-0.06%(4.0)1.78%
Pinnacle Financial Partners-0.06%(4.0)1.56%
Gateway First Bank-0.06%(4.0)1.44%
FirstBank TN-0.06%(4.0)6.00%
Mortgage Investors Group-0.05%(4.0)3.56%
Movement Mortgage-0.03%(3.5)1.00%
PennyMac Loan Services-0.03%(3.5)2.33%
Ameris Bank-0.03%(3.5)1.11%
Acopia Home Loans-0.02%(3.5)3.67%
Cardinal Financial Company-0.02%(3.5)2.22%
Caliber Home Loans-0.02%(3.5)1.78%
Regions Bank-0.02%(3.5)1.00%
First National Bank of Middle Tennessee-0.02%(3.5)2.22%
Reliant Bank-0.01%(3.5)0.44%
Fifth Third Bank-0.01%(3.5)0.44%
US Bank-0.01%(3.5)1.00%
Fairway Independent Mortgage Corporation-0.01%(3.5)3.56%
Bank of America-0.00%(3.5)0.11%
Bank of England AR-0.00%(3.5)0.89%
Pulte Mortgage LLC0.00%(3.5)0.56%
Renasant Bank0.01%(3.5)1.67%
Churchill Mortgage0.01%(3.5)2.44%
JPMorgan Chase Bank0.02%(3.5)0.11%
DHI Mortgage Company Limited0.02%(3.5)0.33%
Carrington Mortgage Services0.05%(3.0)2.78%
Mr. Cooper0.05%(3.0)2.67%
First Community Mortgage0.06%(3.0)6.56%
CMG Financial0.08%(3.0)6.67%
Legacy Mutual Mortgage0.12%(3.0)8.56%
loanDepot0.17%(2.5)5.44%
Lender NameRate DifferenceRate RatingMarket Share
SWBC Mortgage-0.11%(4.0)4.94%
F&M Bank TN-0.10%(4.0)1.23%
Kelley Mortgage-0.09%(4.0)3.55%
Guaranty Home Mortgage Corporation-0.09%(4.0)3.70%
IBERIABANK-0.08%(4.0)2.16%
Pinnacle Financial Partners-0.08%(4.0)2.01%
FirstBank TN-0.07%(4.0)7.72%
Gateway First Bank-0.07%(4.0)2.01%
Mortgage Investors Group-0.07%(4.0)4.78%
Movement Mortgage-0.05%(3.5)1.08%
PennyMac Loan Services-0.04%(3.5)0.31%
Regions Bank-0.04%(3.5)1.08%
Ameris Bank-0.04%(3.5)1.54%
Cardinal Financial Company-0.04%(3.5)2.78%
Fifth Third Bank-0.03%(3.5)0.46%
Quicken Loans-0.03%(3.5)5.71%
Reliant Bank-0.03%(3.5)0.62%
Acopia Home Loans-0.02%(3.5)2.78%
Caliber Home Loans-0.02%(3.5)1.39%
Fairway Independent Mortgage Corporation-0.02%(3.5)4.63%
US Bank-0.02%(3.5)1.39%
First National Bank of Middle Tennessee-0.01%(3.5)2.01%
Bank of America-0.01%(3.5)0.15%
Bank of England AR-0.01%(3.5)0.93%
Pulte Mortgage LLC-0.01%(3.5)0.77%
Renasant Bank-0.00%(3.5)2.16%
Churchill Mortgage0.00%(3.5)3.24%
Carrington Mortgage Services0.01%(3.5)0.46%
DHI Mortgage Company Limited0.01%(3.5)0.46%
Mr. Cooper0.01%(3.5)1.39%
First Community Mortgage0.06%(3.0)8.49%
CMG Financial0.07%(3.0)8.95%
Legacy Mutual Mortgage0.14%(3.0)9.72%
loanDepot0.17%(2.5)5.40%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.07%(4.0)40.87%
First National Bank of Middle Tennessee-0.01%(3.5)2.78%
Acopia Home Loans-0.00%(3.5)5.95%
PennyMac Loan Services-0.00%(3.5)7.54%
Caliber Home Loans-0.00%(3.5)2.78%
Guaranty Home Mortgage Corporation0.00%(3.5)0.79%
F&M Bank TN0.01%(3.5)0.79%
Renasant Bank0.01%(3.5)0.40%
Mortgage Investors Group0.01%(3.5)0.40%
Legacy Mutual Mortgage0.01%(3.5)5.56%
Pinnacle Financial Partners0.01%(3.5)0.40%
Movement Mortgage0.02%(3.5)0.79%
IBERIABANK0.02%(3.5)0.79%
Bank of England AR0.02%(3.5)0.79%
CMG Financial0.02%(3.5)0.79%
Kelley Mortgage0.02%(3.5)1.19%
Churchill Mortgage0.03%(3.5)0.40%
SWBC Mortgage0.03%(3.5)0.40%
Fifth Third Bank0.04%(3.5)0.40%
Cardinal Financial Company0.04%(3.5)0.79%
Regions Bank0.05%(3.5)0.79%
JPMorgan Chase Bank0.05%(3.5)0.40%
First Community Mortgage0.05%(3.5)1.59%
FirstBank TN0.05%(3.0)1.59%
Fairway Independent Mortgage Corporation0.06%(3.0)0.79%
Carrington Mortgage Services0.09%(3.0)8.73%
Mr. Cooper0.10%(3.0)5.95%
loanDepot0.16%(2.5)5.56%
Lender NameRate DifferenceRate RatingMarket Share
Regions Bank-0.01%(3.5)6.25%
Farm Credit Mid-America-0.00%(3.5)50.00%
Bank of America-0.00%(3.5)6.25%
First Horizon Bank0.00%(3.5)6.25%
Fifth Third Bank0.00%(3.5)6.25%
JPMorgan Chase Bank0.01%(3.5)12.50%
Pulte Mortgage LLC0.01%(3.5)6.25%
Pinnacle Financial Partners0.01%(3.5)6.25%
Lender NameRate DifferenceRate RatingMarket Share
Farm Credit Mid-America-0.00%(3.5)54.55%
JPMorgan Chase Bank0.00%(3.5)9.09%
First Horizon Bank0.00%(3.5)9.09%
Fifth Third Bank0.00%(3.5)9.09%
Pulte Mortgage LLC0.01%(3.5)9.09%
Pinnacle Financial Partners0.01%(3.5)9.09%
Lender NameRate DifferenceRate RatingMarket Share
Regions Bank-0.01%(3.5)20.00%
Bank of America-0.01%(3.5)20.00%
Farm Credit Mid-America0.00%(3.5)40.00%
JPMorgan Chase Bank0.01%(3.5)20.00%
Lender NameRate DifferenceRate RatingMarket Share
First Community Mortgage-0.05%(4.0)4.11%
Pulte Mortgage LLC-0.05%(3.5)2.35%
Caliber Home Loans-0.04%(3.5)3.52%
Gateway First Bank-0.04%(3.5)3.52%
Kelley Mortgage-0.04%(3.5)2.93%
PennyMac Loan Services-0.03%(3.5)6.45%
Guaranty Home Mortgage Corporation-0.03%(3.5)4.11%
First National Bank of Middle Tennessee-0.03%(3.5)2.64%
Bank of America-0.03%(3.5)0.59%
IBERIABANK-0.02%(3.5)0.88%
SunTrust Bank-0.02%(3.5)0.59%
First Horizon Bank-0.02%(3.5)0.88%
F&M Bank TN-0.01%(3.5)1.17%
USAA-0.01%(3.5)7.04%
Acopia Home Loans-0.01%(3.5)1.47%
Ascend Federal Credit Union-0.01%(3.5)0.88%
FirstBank TN-0.01%(3.5)3.52%
Pinnacle Financial Partners-0.01%(3.5)1.47%
Cardinal Financial Company-0.01%(3.5)0.88%
Churchill Mortgage-0.01%(3.5)2.05%
US Bank-0.00%(3.5)1.17%
Ameris Bank-0.00%(3.5)0.29%
Mortgage Investors Group0.00%(3.5)0.88%
Renasant Bank0.00%(3.5)1.76%
Movement Mortgage0.01%(3.5)1.17%
Reliant Bank0.01%(3.5)0.59%
Fairway Independent Mortgage Corporation0.01%(3.5)1.76%
Regions Bank0.01%(3.5)0.59%
Quicken Loans0.01%(3.5)14.66%
Wells Fargo Bank0.01%(3.5)1.47%
SWBC Mortgage0.01%(3.5)0.59%
Bank of England AR0.02%(3.5)1.17%
loanDepot0.02%(3.5)7.62%
Mr. Cooper0.05%(3.5)1.47%
DHI Mortgage Company Limited0.06%(3.0)1.47%
Carrington Mortgage Services0.06%(3.0)2.64%
Legacy Mutual Mortgage0.07%(3.0)3.81%
CMG Financial0.08%(3.0)5.87%
Lender NameRate DifferenceRate RatingMarket Share
First Community Mortgage-0.07%(4.0)5.47%
Pulte Mortgage LLC-0.05%(4.0)3.98%
Kelley Mortgage-0.05%(3.5)2.99%
Guaranty Home Mortgage Corporation-0.04%(3.5)4.98%
Gateway First Bank-0.04%(3.5)2.99%
IBERIABANK-0.03%(3.5)1.00%
First National Bank of Middle Tennessee-0.03%(3.5)3.98%
Bank of America-0.03%(3.5)1.00%
SunTrust Bank-0.02%(3.5)1.00%
First Horizon Bank-0.02%(3.5)1.49%
F&M Bank TN-0.02%(3.5)1.49%
Acopia Home Loans-0.02%(3.5)1.99%
Caliber Home Loans-0.02%(3.5)0.50%
PennyMac Loan Services-0.01%(3.5)0.50%
FirstBank TN-0.01%(3.5)3.98%
USAA-0.01%(3.5)7.46%
Churchill Mortgage-0.01%(3.5)2.99%
US Bank-0.01%(3.5)1.49%
Ameris Bank-0.00%(3.5)0.50%
Reliant Bank-0.00%(3.5)0.50%
Mortgage Investors Group-0.00%(3.5)1.49%
Pinnacle Financial Partners-0.00%(3.5)1.00%
Ascend Federal Credit Union-0.00%(3.5)0.50%
Cardinal Financial Company0.00%(3.5)0.50%
Quicken Loans0.01%(3.5)9.95%
loanDepot0.01%(3.5)4.48%
Fairway Independent Mortgage Corporation0.01%(3.5)2.99%
Movement Mortgage0.01%(3.5)1.49%
Regions Bank0.01%(3.5)1.00%
Renasant Bank0.01%(3.5)1.99%
Wells Fargo Bank0.01%(3.5)2.49%
SWBC Mortgage0.01%(3.5)1.00%
Bank of England AR0.02%(3.5)1.49%
Mr. Cooper0.02%(3.5)1.00%
Carrington Mortgage Services0.02%(3.5)1.00%
DHI Mortgage Company Limited0.05%(3.0)2.49%
Legacy Mutual Mortgage0.07%(3.0)5.47%
CMG Financial0.08%(3.0)9.45%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.04%(3.5)7.86%
Gateway First Bank-0.03%(3.5)4.29%
PennyMac Loan Services-0.03%(3.5)15.00%
USAA-0.02%(3.5)6.43%
Kelley Mortgage-0.02%(3.5)2.86%
Guaranty Home Mortgage Corporation-0.02%(3.5)2.86%
Ascend Federal Credit Union-0.01%(3.5)1.43%
Pinnacle Financial Partners-0.01%(3.5)2.14%
Renasant Bank-0.01%(3.5)1.43%
FirstBank TN-0.01%(3.5)2.86%
Cardinal Financial Company-0.01%(3.5)1.43%
F&M Bank TN0.00%(3.5)0.71%
Movement Mortgage0.00%(3.5)0.71%
IBERIABANK0.00%(3.5)0.71%
Churchill Mortgage0.00%(3.5)0.71%
CMG Financial0.00%(3.5)0.71%
US Bank0.01%(3.5)0.71%
Acopia Home Loans0.01%(3.5)0.71%
First Community Mortgage0.01%(3.5)2.14%
Legacy Mutual Mortgage0.01%(3.5)1.43%
First National Bank of Middle Tennessee0.02%(3.5)0.71%
Quicken Loans0.02%(3.5)21.43%
Reliant Bank0.02%(3.5)0.71%
Bank of England AR0.03%(3.5)0.71%
loanDepot0.03%(3.5)12.14%
Mr. Cooper0.07%(3.0)2.14%
Carrington Mortgage Services0.07%(3.0)5.00%

* Data is compiled for the Columbia, TN commuting zone area, which comprises of counties of Giles County, TN, Lawrence County, TN, Lewis County, TN, Marshall County, TN, Maury County, TN, Perry County, TN, and Wayne County, TN. This includes cities/towns/communities of Columbia, TN as well as Spring Hill, TN, Lewisburg, TN, Chapel Hill, TN, Lawrenceburg, TN, Pulaski, TN, Mount Pleasant, TN, Hohenwald, TN, Summertown, TN, Cornersville, TN, Ethridge, TN, Loretto, TN, Lynnville, TN, Linden, TN, Waynesboro, TN, Ardmore, TN, Minor Hill, TN, Collinwood, TN, Lobelville, TN, Clifton, TN, and St. Joseph, TN. 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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