Top Mortgage Lenders in Knoxville, TN

Which mortgage lender in the Knoxville, 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 Knoxville, 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 Knoxville, TN area in terms of interest rate is Y-12 Federal Credit Union, with an average “Rate Difference” of -0.36%. This means that, comparing similar borrowers, Y-12 Federal Credit Union provided a -0.36% lower interest rate for its customers than other lenders in the area. Y-12 Federal Credit Union has a market share of 1.5%. On the other hand, the most popular lender in the Knoxville, TN area is Mortgage Investors Group, with a larger market share of 23.4%. Mortgage Investors Group is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.02% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Knoxville, 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 Knoxville, TN is Y-12 Federal Credit Union. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Fifth Third Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Guaranty Home Mortgage Corporation. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Knoxville, TN

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
Y-12 Federal Credit Union	-0.36%	(5.0)	1.50%
ORNL Federal Credit Union	-0.34%	(5.0)	5.94%
Knoxville TVA Employees Credit Union	-0.33%	(5.0)	2.83%
Home Federal Bank of Tennessee	-0.33%	(5.0)	2.85%
Bank of America	-0.09%	(4.0)	0.93%
Home Point Financial Corporation	-0.09%	(4.0)	0.78%
Navy Federal Credit Union	-0.08%	(4.0)	0.75%
JPMorgan Chase Bank	-0.08%	(4.0)	0.87%
Countybank	-0.08%	(4.0)	1.07%
Amerisave Mortgage Corporation	-0.06%	(4.0)	0.34%
Guaranty Home Mortgage Corporation	-0.05%	(4.0)	3.05%
Community Trust Bank	-0.03%	(3.5)	0.26%
UT Federal Credit Union	-0.03%	(3.5)	0.49%
First Horizon Bank	-0.02%	(3.5)	1.20%
Truist Bank	-0.02%	(3.5)	0.86%
Mortgage Investors Group	-0.02%	(3.5)	23.36%
NewRez	-0.01%	(3.5)	0.35%
Keller Mortgage	-0.01%	(3.5)	0.23%
Movement Mortgage	0.00%	(3.5)	3.83%
New American Funding	0.00%	(3.5)	0.34%
Lakeview Loan Servicing	0.01%	(3.5)	0.30%
MortgageRight	0.01%	(3.5)	0.37%
Fifth Third Bank	0.02%	(3.5)	0.56%
Renasant Bank	0.02%	(3.5)	0.40%
FirstBank TN	0.02%	(3.5)	0.78%
SmartBank	0.02%	(3.5)	0.26%
Stockton Mortgage	0.03%	(3.5)	1.15%
PennyMac Loan Services	0.03%	(3.5)	1.04%
SunTrust Bank	0.03%	(3.5)	1.43%
Guaranteed Rate	0.03%	(3.5)	0.27%
Bay Equity Home Loans	0.03%	(3.5)	0.24%
loanDepot	0.04%	(3.5)	1.60%
Flagstar Bank	0.04%	(3.5)	0.22%
USAA	0.04%	(3.5)	1.31%
Carrington Mortgage Services	0.04%	(3.5)	0.58%
Success Mortgage Partners	0.05%	(3.5)	0.23%
Gateway First Bank	0.05%	(3.5)	3.52%
United Community Bank	0.05%	(3.5)	0.70%
Crescent Mortgage Company	0.06%	(3.0)	0.53%
Wells Fargo Bank	0.06%	(3.0)	1.48%
CMG Financial	0.06%	(3.0)	2.04%
US Bank	0.06%	(3.0)	1.27%
Bank of England AR	0.06%	(3.0)	0.21%
Finance of America Mortgage	0.07%	(3.0)	0.23%
Caliber Home Loans	0.07%	(3.0)	0.98%
American Mortgage Service Company	0.07%	(3.0)	0.72%
Enrichment Federal Credit Union	0.07%	(3.0)	1.36%
Sierra Pacific Mortgage	0.07%	(3.0)	0.62%
First Community Mortgage	0.08%	(3.0)	1.50%
Simmons Bank	0.08%	(3.0)	0.34%
Guild Mortgage Company	0.09%	(3.0)	0.46%
Pinnacle Financial Partners	0.10%	(3.0)	3.16%
Fairway Independent Mortgage Corporation	0.10%	(3.0)	0.90%
Reliance First Capital	0.12%	(3.0)	0.24%
Regions Bank	0.14%	(3.0)	2.51%
Farm Credit Mid-America	0.15%	(2.5)	0.47%
Southwest Funding	0.16%	(2.5)	0.25%
Freedom Mortgage Corporation	0.16%	(2.5)	0.63%
Quicken Loans	0.17%	(2.5)	7.75%
Eastman Credit Union	0.23%	(2.5)	0.20%
Mr. Cooper	0.24%	(2.5)	0.81%
Alcoa Tenn Federal Credit Union	0.24%	(2.5)	0.54%
Cardinal Financial Company	0.35%	(2.0)	3.33%
NewDay USA	0.38%	(1.5)	0.23%
iServe Residential Lending	0.45%	(1.5)	0.43%

Lender Name	Rate Difference	Rate Rating	Market Share
ORNL Federal Credit Union	-0.35%	(5.0)	5.45%
Home Federal Bank of Tennessee	-0.32%	(5.0)	2.42%
Y-12 Federal Credit Union	-0.23%	(4.5)	0.79%
Knoxville TVA Employees Credit Union	-0.21%	(4.5)	1.87%
Bank of America	-0.15%	(4.5)	0.94%
JPMorgan Chase Bank	-0.14%	(4.0)	0.72%
Navy Federal Credit Union	-0.10%	(4.0)	1.02%
Home Point Financial Corporation	-0.09%	(4.0)	0.73%
Countybank	-0.08%	(4.0)	1.01%
Guaranty Home Mortgage Corporation	-0.06%	(4.0)	2.74%
Community Trust Bank	-0.05%	(3.5)	0.30%
US Bank	-0.04%	(3.5)	0.90%
First Horizon Bank	-0.04%	(3.5)	1.27%
Truist Bank	-0.04%	(3.5)	0.91%
Wells Fargo Bank	-0.04%	(3.5)	1.59%
PennyMac Loan Services	-0.03%	(3.5)	0.27%
SmartBank	-0.02%	(3.5)	0.13%
Keller Mortgage	-0.02%	(3.5)	0.31%
Renasant Bank	-0.01%	(3.5)	0.36%
Mortgage Investors Group	-0.01%	(3.5)	30.70%
MortgageRight	-0.00%	(3.5)	0.09%
SunTrust Bank	0.00%	(3.5)	1.45%
Movement Mortgage	0.01%	(3.5)	5.11%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.05%
Lakeview Loan Servicing	0.02%	(3.5)	0.01%
Stockton Mortgage	0.02%	(3.5)	1.46%
Reliance First Capital	0.02%	(3.5)	0.02%
NewDay USA	0.02%	(3.5)	0.02%
Regions Bank	0.03%	(3.5)	2.10%
Fifth Third Bank	0.03%	(3.5)	0.46%
FirstBank TN	0.03%	(3.5)	0.75%
New American Funding	0.03%	(3.5)	0.25%
Enrichment Federal Credit Union	0.03%	(3.5)	0.64%
Bay Equity Home Loans	0.03%	(3.5)	0.34%
Guaranteed Rate	0.03%	(3.5)	0.31%
Flagstar Bank	0.03%	(3.5)	0.21%
NewRez	0.04%	(3.5)	0.07%
Freedom Mortgage Corporation	0.04%	(3.5)	0.13%
loanDepot	0.04%	(3.5)	0.82%
United Community Bank	0.04%	(3.5)	0.69%
iServe Residential Lending	0.04%	(3.5)	0.02%
Success Mortgage Partners	0.04%	(3.5)	0.27%
Carrington Mortgage Services	0.04%	(3.5)	0.15%
Mr. Cooper	0.05%	(3.5)	0.17%
USAA	0.05%	(3.5)	1.60%
UT Federal Credit Union	0.05%	(3.5)	0.32%
Gateway First Bank	0.06%	(3.0)	4.49%
Bank of England AR	0.06%	(3.0)	0.28%
CMG Financial	0.07%	(3.0)	2.64%
Sierra Pacific Mortgage	0.07%	(3.0)	0.79%
American Mortgage Service Company	0.07%	(3.0)	1.07%
First Community Mortgage	0.07%	(3.0)	1.93%
Finance of America Mortgage	0.07%	(3.0)	0.28%
Crescent Mortgage Company	0.08%	(3.0)	0.56%
Simmons Bank	0.08%	(3.0)	0.29%
Pinnacle Financial Partners	0.09%	(3.0)	3.62%
Alcoa Tenn Federal Credit Union	0.10%	(3.0)	0.10%
Guild Mortgage Company	0.11%	(3.0)	0.58%
Caliber Home Loans	0.11%	(3.0)	0.96%
Fairway Independent Mortgage Corporation	0.12%	(3.0)	1.14%
Quicken Loans	0.15%	(2.5)	3.90%
Southwest Funding	0.18%	(2.5)	0.33%
Farm Credit Mid-America	0.20%	(2.5)	0.51%
Eastman Credit Union	0.26%	(2.0)	0.28%
Cardinal Financial Company	0.38%	(1.5)	4.31%

Lender Name	Rate Difference	Rate Rating	Market Share
Y-12 Federal Credit Union	-0.43%	(5.0)	2.78%
Knoxville TVA Employees Credit Union	-0.42%	(5.0)	4.53%
Home Federal Bank of Tennessee	-0.33%	(5.0)	3.62%
ORNL Federal Credit Union	-0.32%	(5.0)	6.81%
Home Point Financial Corporation	-0.09%	(4.0)	0.88%
Countybank	-0.08%	(4.0)	1.19%
UT Federal Credit Union	-0.08%	(4.0)	0.79%
Mortgage Investors Group	-0.07%	(4.0)	10.28%
Amerisave Mortgage Corporation	-0.06%	(4.0)	0.86%
Movement Mortgage	-0.06%	(4.0)	1.55%
Guaranty Home Mortgage Corporation	-0.04%	(3.5)	3.60%
Navy Federal Credit Union	-0.02%	(3.5)	0.27%
New American Funding	-0.02%	(3.5)	0.51%
JPMorgan Chase Bank	-0.02%	(3.5)	1.15%
CMG Financial	-0.02%	(3.5)	0.99%
NewRez	-0.01%	(3.5)	0.84%
Gateway First Bank	-0.01%	(3.5)	1.79%
Caliber Home Loans	-0.01%	(3.5)	1.00%
USAA	-0.00%	(3.5)	0.80%
Crescent Mortgage Company	0.00%	(3.5)	0.46%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	0.47%
Fifth Third Bank	0.01%	(3.5)	0.73%
Truist Bank	0.01%	(3.5)	0.77%
First Horizon Bank	0.01%	(3.5)	1.08%
Lakeview Loan Servicing	0.01%	(3.5)	0.80%
Community Trust Bank	0.01%	(3.5)	0.20%
Bank of America	0.02%	(3.5)	0.90%
FirstBank TN	0.02%	(3.5)	0.84%
MortgageRight	0.02%	(3.5)	0.88%
Keller Mortgage	0.02%	(3.5)	0.09%
Guild Mortgage Company	0.02%	(3.5)	0.24%
Farm Credit Mid-America	0.02%	(3.5)	0.38%
Guaranteed Rate	0.03%	(3.5)	0.20%
Finance of America Mortgage	0.03%	(3.5)	0.15%
American Mortgage Service Company	0.03%	(3.5)	0.11%
Bay Equity Home Loans	0.03%	(3.5)	0.07%
Southwest Funding	0.04%	(3.5)	0.11%
Stockton Mortgage	0.04%	(3.5)	0.60%
loanDepot	0.04%	(3.5)	3.00%
PennyMac Loan Services	0.05%	(3.5)	2.41%
Carrington Mortgage Services	0.05%	(3.5)	1.33%
Bank of England AR	0.05%	(3.5)	0.09%
Flagstar Bank	0.05%	(3.5)	0.24%
Eastman Credit Union	0.05%	(3.0)	0.07%
SmartBank	0.05%	(3.0)	0.49%
Success Mortgage Partners	0.05%	(3.0)	0.16%
United Community Bank	0.06%	(3.0)	0.73%
Renasant Bank	0.07%	(3.0)	0.47%
Sierra Pacific Mortgage	0.08%	(3.0)	0.31%
SunTrust Bank	0.08%	(3.0)	1.39%
Simmons Bank	0.08%	(3.0)	0.44%
First Community Mortgage	0.09%	(3.0)	0.75%
Enrichment Federal Credit Union	0.10%	(3.0)	2.65%
Pinnacle Financial Partners	0.10%	(3.0)	2.34%
Reliance First Capital	0.13%	(3.0)	0.64%
Cardinal Financial Company	0.14%	(3.0)	1.59%
US Bank	0.16%	(2.5)	1.94%
Quicken Loans	0.18%	(2.5)	14.60%
Freedom Mortgage Corporation	0.19%	(2.5)	1.52%
Wells Fargo Bank	0.26%	(2.0)	1.28%
Alcoa Tenn Federal Credit Union	0.27%	(2.0)	1.32%
Mr. Cooper	0.28%	(2.0)	1.94%
Regions Bank	0.28%	(2.0)	3.23%
NewDay USA	0.41%	(1.5)	0.60%
iServe Residential Lending	0.47%	(1.0)	1.15%

Lender Name	Rate Difference	Rate Rating	Market Share
Y-12 Federal Credit Union	-0.35%	(5.0)	2.18%
ORNL Federal Credit Union	-0.33%	(5.0)	8.51%
Home Federal Bank of Tennessee	-0.33%	(5.0)	4.00%
Knoxville TVA Employees Credit Union	-0.33%	(5.0)	4.03%
Bank of America	-0.10%	(4.0)	1.17%
Home Point Financial Corporation	-0.10%	(4.0)	0.60%
Countybank	-0.10%	(4.0)	1.22%
JPMorgan Chase Bank	-0.09%	(4.0)	1.12%
Amerisave Mortgage Corporation	-0.06%	(4.0)	0.36%
Community Trust Bank	-0.03%	(3.5)	0.30%
UT Federal Credit Union	-0.02%	(3.5)	0.69%
NewRez	-0.02%	(3.5)	0.38%
First Horizon Bank	-0.02%	(3.5)	1.16%
Truist Bank	-0.01%	(3.5)	1.10%
Keller Mortgage	-0.00%	(3.5)	0.29%
Mortgage Investors Group	-0.00%	(3.5)	21.96%
New American Funding	0.01%	(3.5)	0.31%
Lakeview Loan Servicing	0.02%	(3.5)	0.04%
Movement Mortgage	0.03%	(3.5)	3.81%
SmartBank	0.04%	(3.5)	0.35%
Fifth Third Bank	0.04%	(3.5)	0.63%
Bay Equity Home Loans	0.04%	(3.5)	0.13%
FirstBank TN	0.04%	(3.5)	0.85%
Gateway First Bank	0.04%	(3.5)	2.97%
MortgageRight	0.04%	(3.5)	0.31%
Renasant Bank	0.04%	(3.5)	0.48%
SunTrust Bank	0.04%	(3.5)	1.67%
Guaranteed Rate	0.05%	(3.5)	0.29%
Flagstar Bank	0.05%	(3.5)	0.24%
Bank of England AR	0.05%	(3.0)	0.12%
Stockton Mortgage	0.06%	(3.0)	0.95%
loanDepot	0.06%	(3.0)	1.30%
Success Mortgage Partners	0.06%	(3.0)	0.10%
United Community Bank	0.06%	(3.0)	0.90%
Finance of America Mortgage	0.07%	(3.0)	0.12%
Guaranty Home Mortgage Corporation	0.07%	(3.0)	2.23%
Crescent Mortgage Company	0.08%	(3.0)	0.65%
US Bank	0.08%	(3.0)	1.61%
CMG Financial	0.08%	(3.0)	1.91%
Enrichment Federal Credit Union	0.08%	(3.0)	1.95%
Wells Fargo Bank	0.08%	(3.0)	1.81%
Carrington Mortgage Services	0.09%	(3.0)	0.14%
Southwest Funding	0.09%	(3.0)	0.14%
Simmons Bank	0.10%	(3.0)	0.44%
USAA	0.10%	(3.0)	0.72%
Pinnacle Financial Partners	0.12%	(3.0)	3.71%
Navy Federal Credit Union	0.13%	(3.0)	0.37%
Guild Mortgage Company	0.13%	(3.0)	0.31%
PennyMac Loan Services	0.14%	(3.0)	0.53%
Sierra Pacific Mortgage	0.15%	(2.5)	0.44%
First Community Mortgage	0.17%	(2.5)	1.09%
American Mortgage Service Company	0.17%	(2.5)	0.61%
Fairway Independent Mortgage Corporation	0.17%	(2.5)	0.71%
Freedom Mortgage Corporation	0.17%	(2.5)	0.26%
Farm Credit Mid-America	0.18%	(2.5)	0.59%
Reliance First Capital	0.18%	(2.5)	0.21%
Regions Bank	0.18%	(2.5)	3.00%
Caliber Home Loans	0.20%	(2.5)	0.67%
iServe Residential Lending	0.22%	(2.5)	0.14%
Alcoa Tenn Federal Credit Union	0.25%	(2.0)	0.78%
Eastman Credit Union	0.26%	(2.0)	0.28%
Quicken Loans	0.26%	(2.0)	7.41%
Cardinal Financial Company	0.37%	(1.5)	2.08%
Mr. Cooper	0.39%	(1.5)	0.56%

Lender Name	Rate Difference	Rate Rating	Market Share
ORNL Federal Credit Union	-0.35%	(5.0)	8.20%
Home Federal Bank of Tennessee	-0.32%	(5.0)	3.51%
Y-12 Federal Credit Union	-0.22%	(4.5)	1.20%
Knoxville TVA Employees Credit Union	-0.20%	(4.5)	2.79%
Bank of America	-0.16%	(4.5)	1.25%
JPMorgan Chase Bank	-0.15%	(4.5)	0.98%
Countybank	-0.10%	(4.0)	1.15%
Home Point Financial Corporation	-0.08%	(4.0)	0.61%
Community Trust Bank	-0.05%	(4.0)	0.33%
US Bank	-0.05%	(3.5)	1.09%
First Horizon Bank	-0.05%	(3.5)	1.25%
Truist Bank	-0.03%	(3.5)	1.19%
Wells Fargo Bank	-0.02%	(3.5)	1.93%
SmartBank	-0.02%	(3.5)	0.19%
Keller Mortgage	-0.01%	(3.5)	0.39%
PennyMac Loan Services	-0.00%	(3.5)	0.25%
Renasant Bank	0.00%	(3.5)	0.37%
MortgageRight	0.01%	(3.5)	0.08%
SunTrust Bank	0.01%	(3.5)	1.70%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.05%
Mortgage Investors Group	0.01%	(3.5)	28.62%
loanDepot	0.02%	(3.5)	0.67%
Lakeview Loan Servicing	0.02%	(3.5)	0.02%
Reliance First Capital	0.03%	(3.5)	0.03%
Bay Equity Home Loans	0.03%	(3.5)	0.19%
Carrington Mortgage Services	0.03%	(3.5)	0.05%
Enrichment Federal Credit Union	0.04%	(3.5)	0.97%
Regions Bank	0.04%	(3.5)	2.37%
iServe Residential Lending	0.04%	(3.5)	0.02%
NewRez	0.04%	(3.5)	0.06%
FirstBank TN	0.04%	(3.5)	0.83%
Movement Mortgage	0.04%	(3.5)	5.26%
Flagstar Bank	0.04%	(3.5)	0.23%
Bank of England AR	0.05%	(3.5)	0.16%
Gateway First Bank	0.05%	(3.5)	3.74%
Stockton Mortgage	0.05%	(3.5)	1.20%
Guaranteed Rate	0.05%	(3.5)	0.33%
Freedom Mortgage Corporation	0.05%	(3.5)	0.05%
New American Funding	0.05%	(3.0)	0.25%
Fifth Third Bank	0.05%	(3.0)	0.51%
UT Federal Credit Union	0.06%	(3.0)	0.47%
United Community Bank	0.06%	(3.0)	0.84%
Success Mortgage Partners	0.06%	(3.0)	0.08%
Mr. Cooper	0.06%	(3.0)	0.12%
Guaranty Home Mortgage Corporation	0.08%	(3.0)	1.78%
Finance of America Mortgage	0.08%	(3.0)	0.14%
CMG Financial	0.10%	(3.0)	2.53%
Simmons Bank	0.10%	(3.0)	0.39%
Alcoa Tenn Federal Credit Union	0.10%	(3.0)	0.16%
USAA	0.11%	(3.0)	0.97%
Crescent Mortgage Company	0.11%	(3.0)	0.72%
Southwest Funding	0.11%	(3.0)	0.17%
Pinnacle Financial Partners	0.12%	(3.0)	4.44%
Navy Federal Credit Union	0.14%	(3.0)	0.53%
Guild Mortgage Company	0.17%	(2.5)	0.37%
American Mortgage Service Company	0.17%	(2.5)	0.97%
Sierra Pacific Mortgage	0.17%	(2.5)	0.51%
First Community Mortgage	0.18%	(2.5)	1.28%
Quicken Loans	0.20%	(2.5)	4.01%
Caliber Home Loans	0.21%	(2.5)	0.80%
Fairway Independent Mortgage Corporation	0.21%	(2.5)	0.92%
Farm Credit Mid-America	0.24%	(2.5)	0.67%
Eastman Credit Union	0.27%	(2.0)	0.41%
Cardinal Financial Company	0.41%	(1.5)	2.68%

Lender Name	Rate Difference	Rate Rating	Market Share
Y-12 Federal Credit Union	-0.41%	(5.0)	3.73%
Knoxville TVA Employees Credit Union	-0.41%	(5.0)	5.99%
Home Federal Bank of Tennessee	-0.33%	(5.0)	4.76%
ORNL Federal Credit Union	-0.31%	(5.0)	8.99%
Home Point Financial Corporation	-0.11%	(4.0)	0.59%
Countybank	-0.09%	(4.0)	1.33%
Mortgage Investors Group	-0.08%	(4.0)	11.47%
UT Federal Credit Union	-0.07%	(4.0)	1.03%
Amerisave Mortgage Corporation	-0.05%	(4.0)	0.86%
Movement Mortgage	-0.05%	(3.5)	1.52%
New American Funding	-0.02%	(3.5)	0.42%
NewRez	-0.02%	(3.5)	0.88%
Fairway Independent Mortgage Corporation	-0.01%	(3.5)	0.37%
JPMorgan Chase Bank	-0.01%	(3.5)	1.33%
CMG Financial	-0.00%	(3.5)	0.93%
Navy Federal Credit Union	0.00%	(3.5)	0.12%
Gateway First Bank	0.00%	(3.5)	1.74%
Crescent Mortgage Company	0.01%	(3.5)	0.54%
Truist Bank	0.02%	(3.5)	0.96%
Fifth Third Bank	0.02%	(3.5)	0.81%
Lakeview Loan Servicing	0.02%	(3.5)	0.07%
Community Trust Bank	0.02%	(3.5)	0.25%
FirstBank TN	0.03%	(3.5)	0.88%
Bank of America	0.03%	(3.5)	1.06%
American Mortgage Service Company	0.03%	(3.5)	0.05%
Keller Mortgage	0.03%	(3.5)	0.12%
Bay Equity Home Loans	0.03%	(3.5)	0.05%
Farm Credit Mid-America	0.03%	(3.5)	0.47%
Guild Mortgage Company	0.03%	(3.5)	0.22%
Finance of America Mortgage	0.04%	(3.5)	0.10%
Guaranteed Rate	0.04%	(3.5)	0.22%
First Horizon Bank	0.04%	(3.5)	1.03%
MortgageRight	0.05%	(3.0)	0.69%
Southwest Funding	0.05%	(3.0)	0.10%
Flagstar Bank	0.06%	(3.0)	0.25%
Guaranty Home Mortgage Corporation	0.06%	(3.0)	2.95%
USAA	0.06%	(3.0)	0.34%
Success Mortgage Partners	0.07%	(3.0)	0.12%
Eastman Credit Union	0.07%	(3.0)	0.07%
SmartBank	0.07%	(3.0)	0.61%
Bank of England AR	0.07%	(3.0)	0.07%
Stockton Mortgage	0.07%	(3.0)	0.56%
United Community Bank	0.07%	(3.0)	0.98%
Renasant Bank	0.08%	(3.0)	0.64%
loanDepot	0.08%	(3.0)	2.28%
SunTrust Bank	0.10%	(3.0)	1.62%
Simmons Bank	0.10%	(3.0)	0.52%
Sierra Pacific Mortgage	0.11%	(3.0)	0.32%
Carrington Mortgage Services	0.11%	(3.0)	0.29%
Enrichment Federal Credit Union	0.11%	(3.0)	3.49%
Pinnacle Financial Partners	0.12%	(3.0)	2.55%
First Community Mortgage	0.13%	(3.0)	0.79%
Caliber Home Loans	0.15%	(2.5)	0.47%
US Bank	0.18%	(2.5)	2.43%
Freedom Mortgage Corporation	0.20%	(2.5)	0.59%
Reliance First Capital	0.20%	(2.5)	0.49%
Cardinal Financial Company	0.20%	(2.5)	1.13%
PennyMac Loan Services	0.20%	(2.5)	0.98%
iServe Residential Lending	0.24%	(2.5)	0.34%
Alcoa Tenn Federal Credit Union	0.28%	(2.0)	1.77%
Wells Fargo Bank	0.28%	(2.0)	1.62%
Quicken Loans	0.29%	(2.0)	12.77%
Regions Bank	0.32%	(2.0)	4.00%
Mr. Cooper	0.44%	(1.5)	1.25%

Lender Name	Rate Difference	Rate Rating	Market Share
Guaranty Home Mortgage Corporation	-0.23%	(4.5)	5.64%
Home Point Financial Corporation	-0.13%	(4.0)	1.30%
Movement Mortgage	-0.08%	(4.0)	4.69%
Pinnacle Financial Partners	-0.07%	(4.0)	1.16%
Quicken Loans	-0.06%	(4.0)	9.41%
PennyMac Loan Services	-0.05%	(4.0)	1.20%
Renasant Bank	-0.05%	(4.0)	0.14%
Mortgage Investors Group	-0.05%	(3.5)	32.82%
Bank of America	-0.04%	(3.5)	0.11%
US Bank	-0.03%	(3.5)	0.21%
Navy Federal Credit Union	-0.03%	(3.5)	0.11%
United Community Bank	-0.03%	(3.5)	0.21%
Stockton Mortgage	-0.03%	(3.5)	1.80%
First Community Mortgage	-0.03%	(3.5)	3.38%
MortgageRight	-0.02%	(3.5)	0.42%
FirstBank TN	-0.02%	(3.5)	0.32%
Crescent Mortgage Company	-0.02%	(3.5)	0.21%
New American Funding	-0.02%	(3.5)	0.35%
Fifth Third Bank	-0.02%	(3.5)	0.28%
Sierra Pacific Mortgage	-0.02%	(3.5)	1.20%
Caliber Home Loans	-0.02%	(3.5)	1.52%
American Mortgage Service Company	-0.02%	(3.5)	0.60%
Fairway Independent Mortgage Corporation	-0.01%	(3.5)	1.45%
Keller Mortgage	-0.01%	(3.5)	0.11%
Guaranteed Rate	-0.01%	(3.5)	0.25%
Truist Bank	-0.01%	(3.5)	0.04%
Simmons Bank	-0.00%	(3.5)	0.04%
Regions Bank	0.00%	(3.5)	0.70%
Countybank	0.00%	(3.5)	0.53%
Carrington Mortgage Services	0.00%	(3.5)	1.69%
NewRez	0.01%	(3.5)	0.25%
Wells Fargo Bank	0.01%	(3.5)	0.04%
SunTrust Bank	0.01%	(3.5)	0.42%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.14%
CMG Financial	0.01%	(3.5)	2.33%
Flagstar Bank	0.02%	(3.5)	0.18%
Home Federal Bank of Tennessee	0.02%	(3.5)	0.07%
Bay Equity Home Loans	0.02%	(3.5)	0.74%
Success Mortgage Partners	0.03%	(3.5)	0.56%
Gateway First Bank	0.04%	(3.5)	5.15%
Reliance First Capital	0.05%	(3.5)	0.35%
Lakeview Loan Servicing	0.05%	(3.0)	0.70%
Finance of America Mortgage	0.06%	(3.0)	0.70%
Bank of England AR	0.07%	(3.0)	0.63%
loanDepot	0.07%	(3.0)	1.73%
Guild Mortgage Company	0.07%	(3.0)	0.99%
Freedom Mortgage Corporation	0.09%	(3.0)	1.02%
Mr. Cooper	0.10%	(3.0)	1.76%
Southwest Funding	0.22%	(2.5)	0.67%
Cardinal Financial Company	0.32%	(2.0)	7.93%
iServe Residential Lending	0.50%	(1.0)	1.76%

Lender Name	Rate Difference	Rate Rating	Market Share
Guaranty Home Mortgage Corporation	-0.21%	(4.5)	4.99%
Home Point Financial Corporation	-0.12%	(4.0)	1.14%
PennyMac Loan Services	-0.08%	(4.0)	0.37%
Movement Mortgage	-0.08%	(4.0)	5.58%
Pinnacle Financial Partners	-0.08%	(4.0)	1.37%
Mortgage Investors Group	-0.05%	(4.0)	40.35%
Renasant Bank	-0.05%	(4.0)	0.18%
Bank of America	-0.04%	(3.5)	0.14%
US Bank	-0.03%	(3.5)	0.27%
FirstBank TN	-0.03%	(3.5)	0.32%
Navy Federal Credit Union	-0.03%	(3.5)	0.14%
United Community Bank	-0.03%	(3.5)	0.27%
Crescent Mortgage Company	-0.03%	(3.5)	0.23%
Stockton Mortgage	-0.03%	(3.5)	2.01%
First Community Mortgage	-0.03%	(3.5)	4.12%
Fifth Third Bank	-0.03%	(3.5)	0.27%
Sierra Pacific Mortgage	-0.02%	(3.5)	1.37%
American Mortgage Service Company	-0.02%	(3.5)	0.69%
MortgageRight	-0.02%	(3.5)	0.18%
Fairway Independent Mortgage Corporation	-0.02%	(3.5)	1.65%
New American Funding	-0.02%	(3.5)	0.23%
Keller Mortgage	-0.01%	(3.5)	0.14%
Guaranteed Rate	-0.01%	(3.5)	0.32%
Caliber Home Loans	-0.01%	(3.5)	1.56%
Truist Bank	-0.01%	(3.5)	0.05%
Regions Bank	0.00%	(3.5)	0.87%
Countybank	0.00%	(3.5)	0.59%
Wells Fargo Bank	0.01%	(3.5)	0.05%
SunTrust Bank	0.01%	(3.5)	0.50%
Flagstar Bank	0.01%	(3.5)	0.14%
Freedom Mortgage Corporation	0.01%	(3.5)	0.18%
CMG Financial	0.01%	(3.5)	2.84%
Mr. Cooper	0.01%	(3.5)	0.27%
Home Federal Bank of Tennessee	0.02%	(3.5)	0.09%
Amerisave Mortgage Corporation	0.02%	(3.5)	0.05%
Bay Equity Home Loans	0.02%	(3.5)	0.87%
NewRez	0.02%	(3.5)	0.14%
Carrington Mortgage Services	0.02%	(3.5)	0.37%
Success Mortgage Partners	0.03%	(3.5)	0.69%
iServe Residential Lending	0.03%	(3.5)	0.05%
Gateway First Bank	0.04%	(3.5)	6.45%
Quicken Loans	0.05%	(3.0)	4.16%
loanDepot	0.06%	(3.0)	1.24%
Bank of England AR	0.07%	(3.0)	0.78%
Finance of America Mortgage	0.07%	(3.0)	0.78%
Guild Mortgage Company	0.07%	(3.0)	1.19%
Southwest Funding	0.24%	(2.5)	0.78%
Cardinal Financial Company	0.35%	(2.0)	9.01%

Lender Name	Rate Difference	Rate Rating	Market Share
Guaranty Home Mortgage Corporation	-0.28%	(5.0)	7.83%
Home Point Financial Corporation	-0.13%	(4.0)	1.84%
Quicken Loans	-0.11%	(4.0)	27.04%
Movement Mortgage	-0.07%	(4.0)	1.69%
Caliber Home Loans	-0.05%	(4.0)	1.38%
PennyMac Loan Services	-0.04%	(3.5)	3.99%
First Community Mortgage	-0.04%	(3.5)	0.92%
Mortgage Investors Group	-0.03%	(3.5)	7.53%
Stockton Mortgage	-0.03%	(3.5)	1.08%
New American Funding	-0.02%	(3.5)	0.77%
MortgageRight	-0.02%	(3.5)	1.23%
Gateway First Bank	-0.01%	(3.5)	0.77%
CMG Financial	-0.01%	(3.5)	0.61%
American Mortgage Service Company	-0.00%	(3.5)	0.31%
Fifth Third Bank	-0.00%	(3.5)	0.31%
Sierra Pacific Mortgage	-0.00%	(3.5)	0.61%
Pinnacle Financial Partners	0.00%	(3.5)	0.46%
Crescent Mortgage Company	0.00%	(3.5)	0.15%
Southwest Funding	0.00%	(3.5)	0.31%
Simmons Bank	0.00%	(3.5)	0.15%
NewRez	0.01%	(3.5)	0.61%
Countybank	0.01%	(3.5)	0.31%
Carrington Mortgage Services	0.01%	(3.5)	6.14%
Guild Mortgage Company	0.01%	(3.5)	0.31%
FirstBank TN	0.01%	(3.5)	0.31%
Finance of America Mortgage	0.01%	(3.5)	0.46%
Amerisave Mortgage Corporation	0.02%	(3.5)	0.46%
Bay Equity Home Loans	0.02%	(3.5)	0.31%
SunTrust Bank	0.02%	(3.5)	0.15%
Regions Bank	0.02%	(3.5)	0.15%
Bank of England AR	0.02%	(3.5)	0.15%
Flagstar Bank	0.03%	(3.5)	0.31%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	0.77%
Success Mortgage Partners	0.04%	(3.5)	0.15%
Reliance First Capital	0.05%	(3.0)	1.54%
Lakeview Loan Servicing	0.06%	(3.0)	3.07%
loanDepot	0.08%	(3.0)	3.38%
Cardinal Financial Company	0.10%	(3.0)	4.30%
Freedom Mortgage Corporation	0.10%	(3.0)	3.84%
Mr. Cooper	0.11%	(3.0)	6.76%
iServe Residential Lending	0.52%	(1.0)	7.53%

Lender Name	Rate Difference	Rate Rating	Market Share
Fifth Third Bank	-0.05%	(4.0)	3.16%
Wells Fargo Bank	-0.05%	(3.5)	4.43%
First Horizon Bank	-0.05%	(3.5)	18.35%
Bank of America	-0.03%	(3.5)	4.11%
Truist Bank	-0.03%	(3.5)	2.22%
Community Trust Bank	-0.02%	(3.5)	2.85%
SunTrust Bank	-0.02%	(3.5)	6.01%
US Bank	-0.01%	(3.5)	4.43%
Home Federal Bank of Tennessee	-0.01%	(3.5)	2.53%
FirstBank TN	-0.00%	(3.5)	4.11%
Quicken Loans	-0.00%	(3.5)	0.63%
ORNL Federal Credit Union	-0.00%	(3.5)	3.80%
Regions Bank	-0.00%	(3.5)	9.81%
United Community Bank	-0.00%	(3.5)	0.32%
JPMorgan Chase Bank	-0.00%	(3.5)	4.43%
Knoxville TVA Employees Credit Union	-0.00%	(3.5)	2.22%
Cardinal Financial Company	0.00%	(3.5)	1.27%
CMG Financial	0.00%	(3.5)	0.32%
UT Federal Credit Union	0.01%	(3.5)	0.63%
Gateway First Bank	0.01%	(3.5)	0.32%
Simmons Bank	0.01%	(3.5)	0.32%
Eastman Credit Union	0.01%	(3.5)	0.63%
Enrichment Federal Credit Union	0.01%	(3.5)	0.95%
Movement Mortgage	0.01%	(3.5)	0.32%
Mortgage Investors Group	0.01%	(3.5)	4.11%
SmartBank	0.01%	(3.5)	0.32%
Farm Credit Mid-America	0.02%	(3.5)	2.85%
loanDepot	0.03%	(3.5)	0.32%
Sierra Pacific Mortgage	0.03%	(3.5)	0.63%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	0.32%
Navy Federal Credit Union	0.03%	(3.5)	0.32%
Pinnacle Financial Partners	0.12%	(3.0)	12.97%

Lender Name	Rate Difference	Rate Rating	Market Share
Wells Fargo Bank	-0.06%	(4.0)	6.12%
Bank of America	-0.06%	(4.0)	3.57%
Fifth Third Bank	-0.05%	(4.0)	3.06%
First Horizon Bank	-0.04%	(3.5)	20.92%
Truist Bank	-0.04%	(3.5)	2.55%
Community Trust Bank	-0.03%	(3.5)	4.08%
SunTrust Bank	-0.03%	(3.5)	7.14%
US Bank	-0.02%	(3.5)	3.57%
Home Federal Bank of Tennessee	-0.01%	(3.5)	2.04%
Knoxville TVA Employees Credit Union	-0.01%	(3.5)	1.53%
FirstBank TN	-0.01%	(3.5)	4.08%
ORNL Federal Credit Union	-0.01%	(3.5)	2.55%
JPMorgan Chase Bank	-0.01%	(3.5)	2.55%
Quicken Loans	-0.01%	(3.5)	0.51%
Cardinal Financial Company	-0.00%	(3.5)	0.51%
United Community Bank	-0.00%	(3.5)	0.51%
CMG Financial	0.00%	(3.5)	0.51%
UT Federal Credit Union	0.00%	(3.5)	0.51%
Eastman Credit Union	0.01%	(3.5)	0.51%
Regions Bank	0.01%	(3.5)	9.69%
Movement Mortgage	0.01%	(3.5)	0.51%
SmartBank	0.01%	(3.5)	0.51%
Mortgage Investors Group	0.02%	(3.5)	4.59%
Farm Credit Mid-America	0.02%	(3.5)	3.57%
loanDepot	0.03%	(3.5)	0.51%
Sierra Pacific Mortgage	0.03%	(3.5)	1.02%
Navy Federal Credit Union	0.03%	(3.5)	0.51%
Pinnacle Financial Partners	0.15%	(3.0)	12.24%

Lender Name	Rate Difference	Rate Rating	Market Share
First Horizon Bank	-0.06%	(4.0)	14.17%
Fifth Third Bank	-0.05%	(4.0)	3.33%
Regions Bank	-0.01%	(3.5)	10.00%
Bank of America	-0.01%	(3.5)	5.00%
Truist Bank	-0.01%	(3.5)	1.67%
US Bank	-0.01%	(3.5)	5.83%
Mortgage Investors Group	-0.00%	(3.5)	3.33%
Community Trust Bank	-0.00%	(3.5)	0.83%
SunTrust Bank	-0.00%	(3.5)	4.17%
Home Federal Bank of Tennessee	-0.00%	(3.5)	3.33%
Wells Fargo Bank	-0.00%	(3.5)	1.67%
ORNL Federal Credit Union	0.00%	(3.5)	5.83%
Quicken Loans	0.00%	(3.5)	0.83%
Cardinal Financial Company	0.00%	(3.5)	2.50%
JPMorgan Chase Bank	0.00%	(3.5)	7.50%
FirstBank TN	0.00%	(3.5)	4.17%
UT Federal Credit Union	0.01%	(3.5)	0.83%
Knoxville TVA Employees Credit Union	0.01%	(3.5)	3.33%
Gateway First Bank	0.01%	(3.5)	0.83%
Simmons Bank	0.01%	(3.5)	0.83%
Enrichment Federal Credit Union	0.01%	(3.5)	2.50%
Eastman Credit Union	0.01%	(3.5)	0.83%
Farm Credit Mid-America	0.01%	(3.5)	1.67%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	0.83%
Pinnacle Financial Partners	0.08%	(3.0)	14.17%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.23%	(4.5)	4.49%
Caliber Home Loans	-0.11%	(4.0)	2.28%
American Mortgage Service Company	-0.10%	(4.0)	1.83%
Wells Fargo Bank	-0.09%	(4.0)	1.26%
Guaranty Home Mortgage Corporation	-0.09%	(4.0)	4.42%
Lakeview Loan Servicing	-0.08%	(4.0)	1.33%
Amerisave Mortgage Corporation	-0.08%	(4.0)	0.63%
loanDepot	-0.06%	(4.0)	3.67%
Regions Bank	-0.06%	(4.0)	1.01%
Home Federal Bank of Tennessee	-0.06%	(4.0)	0.32%
Truist Bank	-0.05%	(4.0)	0.51%
Movement Mortgage	-0.05%	(3.5)	3.16%
PennyMac Loan Services	-0.05%	(3.5)	4.30%
MortgageRight	-0.05%	(3.5)	0.76%
Countybank	-0.04%	(3.5)	1.26%
Crescent Mortgage Company	-0.04%	(3.5)	0.38%
Home Point Financial Corporation	-0.04%	(3.5)	1.20%
Pinnacle Financial Partners	-0.04%	(3.5)	1.14%
SmartBank	-0.04%	(3.5)	0.13%
Renasant Bank	-0.03%	(3.5)	0.44%
Mortgage Investors Group	-0.03%	(3.5)	19.53%
First Horizon Bank	-0.03%	(3.5)	0.19%
Keller Mortgage	-0.03%	(3.5)	0.13%
Simmons Bank	-0.03%	(3.5)	0.25%
USAA	-0.02%	(3.5)	7.84%
SunTrust Bank	-0.02%	(3.5)	0.70%
New American Funding	-0.02%	(3.5)	0.57%
Guild Mortgage Company	-0.01%	(3.5)	0.57%
Bank of England AR	-0.01%	(3.5)	0.06%
Guaranteed Rate	-0.01%	(3.5)	0.25%
United Community Bank	-0.01%	(3.5)	0.38%
Flagstar Bank	-0.01%	(3.5)	0.19%
JPMorgan Chase Bank	-0.00%	(3.5)	0.13%
Reliance First Capital	-0.00%	(3.5)	0.32%
Bank of America	-0.00%	(3.5)	0.13%
Finance of America Mortgage	-0.00%	(3.5)	0.13%
Sierra Pacific Mortgage	-0.00%	(3.5)	0.76%
Stockton Mortgage	0.00%	(3.5)	1.52%
Fifth Third Bank	0.00%	(3.5)	0.06%
FirstBank TN	0.00%	(3.5)	0.51%
CMG Financial	0.00%	(3.5)	2.78%
Success Mortgage Partners	0.01%	(3.5)	0.57%
Bay Equity Home Loans	0.01%	(3.5)	0.13%
US Bank	0.02%	(3.5)	0.32%
First Community Mortgage	0.02%	(3.5)	1.20%
NewRez	0.02%	(3.5)	0.38%
Carrington Mortgage Services	0.03%	(3.5)	1.58%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	1.33%
Southwest Funding	0.05%	(3.5)	0.25%
Gateway First Bank	0.06%	(3.0)	4.93%
Mr. Cooper	0.10%	(3.0)	0.88%
Quicken Loans	0.10%	(3.0)	8.41%
Freedom Mortgage Corporation	0.17%	(2.5)	2.53%
Cardinal Financial Company	0.34%	(2.0)	3.79%
NewDay USA	0.35%	(1.5)	2.21%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.25%	(4.5)	6.41%
American Mortgage Service Company	-0.10%	(4.0)	2.84%
Wells Fargo Bank	-0.10%	(4.0)	1.89%
Guaranty Home Mortgage Corporation	-0.08%	(4.0)	4.63%
Regions Bank	-0.05%	(4.0)	1.58%
Truist Bank	-0.05%	(3.5)	0.74%
Home Federal Bank of Tennessee	-0.05%	(3.5)	0.53%
Crescent Mortgage Company	-0.04%	(3.5)	0.42%
Pinnacle Financial Partners	-0.03%	(3.5)	1.47%
Movement Mortgage	-0.03%	(3.5)	4.00%
Renasant Bank	-0.03%	(3.5)	0.74%
Mortgage Investors Group	-0.02%	(3.5)	27.97%
First Horizon Bank	-0.02%	(3.5)	0.32%
SunTrust Bank	-0.02%	(3.5)	0.74%
Simmons Bank	-0.02%	(3.5)	0.32%
Countybank	-0.02%	(3.5)	1.16%
Home Point Financial Corporation	-0.02%	(3.5)	0.74%
Keller Mortgage	-0.02%	(3.5)	0.21%
Flagstar Bank	-0.01%	(3.5)	0.21%
Guild Mortgage Company	-0.01%	(3.5)	0.74%
PennyMac Loan Services	-0.01%	(3.5)	0.21%
New American Funding	-0.00%	(3.5)	0.32%
Caliber Home Loans	0.00%	(3.5)	0.95%
USAA	0.00%	(3.5)	9.88%
Finance of America Mortgage	0.00%	(3.5)	0.11%
United Community Bank	0.00%	(3.5)	0.63%
JPMorgan Chase Bank	0.00%	(3.5)	0.21%
Guaranteed Rate	0.00%	(3.5)	0.21%
Amerisave Mortgage Corporation	0.00%	(3.5)	0.11%
Bank of America	0.01%	(3.5)	0.21%
Sierra Pacific Mortgage	0.01%	(3.5)	1.26%
FirstBank TN	0.01%	(3.5)	0.53%
NewDay USA	0.01%	(3.5)	0.21%
Success Mortgage Partners	0.01%	(3.5)	0.63%
Stockton Mortgage	0.01%	(3.5)	2.21%
Bay Equity Home Loans	0.02%	(3.5)	0.21%
US Bank	0.03%	(3.5)	0.53%
Freedom Mortgage Corporation	0.03%	(3.5)	0.63%
Mr. Cooper	0.03%	(3.5)	0.32%
loanDepot	0.03%	(3.5)	0.95%
First Community Mortgage	0.04%	(3.5)	1.68%
CMG Financial	0.04%	(3.5)	3.36%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	1.68%
Southwest Funding	0.06%	(3.0)	0.42%
Carrington Mortgage Services	0.06%	(3.0)	0.42%
Quicken Loans	0.06%	(3.0)	3.26%
Gateway First Bank	0.12%	(3.0)	5.99%
Cardinal Financial Company	0.41%	(1.5)	5.26%

Lender Name	Rate Difference	Rate Rating	Market Share
Caliber Home Loans	-0.16%	(4.5)	4.28%
Guaranty Home Mortgage Corporation	-0.11%	(4.0)	4.12%
Amerisave Mortgage Corporation	-0.10%	(4.0)	1.43%
Lakeview Loan Servicing	-0.09%	(4.0)	3.33%
Movement Mortgage	-0.09%	(4.0)	1.90%
loanDepot	-0.09%	(4.0)	7.77%
Gateway First Bank	-0.08%	(4.0)	3.33%
CMG Financial	-0.08%	(4.0)	1.90%
USAA	-0.08%	(4.0)	4.75%
Navy Federal Credit Union	-0.07%	(4.0)	1.58%
Countybank	-0.07%	(4.0)	1.43%
PennyMac Loan Services	-0.06%	(4.0)	10.46%
MortgageRight	-0.06%	(4.0)	1.90%
Mortgage Investors Group	-0.06%	(4.0)	6.81%
Home Point Financial Corporation	-0.05%	(4.0)	1.90%
SmartBank	-0.05%	(3.5)	0.32%
Stockton Mortgage	-0.03%	(3.5)	0.48%
New American Funding	-0.03%	(3.5)	0.95%
Guaranteed Rate	-0.03%	(3.5)	0.32%
Simmons Bank	-0.03%	(3.5)	0.16%
Bank of England AR	-0.03%	(3.5)	0.16%
Truist Bank	-0.02%	(3.5)	0.16%
Regions Bank	-0.02%	(3.5)	0.16%
Crescent Mortgage Company	-0.02%	(3.5)	0.32%
Pinnacle Financial Partners	-0.02%	(3.5)	0.63%
Guild Mortgage Company	-0.02%	(3.5)	0.32%
First Community Mortgage	-0.02%	(3.5)	0.48%
Reliance First Capital	-0.02%	(3.5)	0.79%
Fifth Third Bank	-0.01%	(3.5)	0.16%
Finance of America Mortgage	-0.01%	(3.5)	0.16%
SunTrust Bank	-0.01%	(3.5)	0.63%
FirstBank TN	-0.00%	(3.5)	0.48%
Success Mortgage Partners	0.00%	(3.5)	0.48%
American Mortgage Service Company	0.00%	(3.5)	0.32%
Cardinal Financial Company	0.00%	(3.5)	1.58%
Fairway Independent Mortgage Corporation	0.00%	(3.5)	0.79%
Flagstar Bank	0.01%	(3.5)	0.16%
NewRez	0.01%	(3.5)	0.95%
Carrington Mortgage Services	0.01%	(3.5)	3.33%
Wells Fargo Bank	0.01%	(3.5)	0.32%
Quicken Loans	0.11%	(3.0)	16.16%
Mr. Cooper	0.11%	(3.0)	1.74%
Freedom Mortgage Corporation	0.19%	(2.5)	5.39%
NewDay USA	0.36%	(1.5)	5.23%

* Data is compiled for the Knoxville, TN commuting zone area, which comprises of counties of Anderson County, TN, Blount County, TN, Campbell County, TN, Knox County, TN, Loudon County, TN, Monroe County, TN, Morgan County, TN, Roane County, TN, and Union County, TN. This includes cities/towns/communities of Knoxville, TN as well as Maryville, TN, Farragut, TN, Lenoir City, TN, Oak Ridge, TN, Clinton, TN, Tellico Village, TN, Oak Ridge, TN, Alcoa, TN, Louisville, TN, La Follette, TN, Madisonville, TN, Plainview, TN, Sweetwater, TN, Vonore, TN, Kingston, TN, Greenback, TN, Seymour, TN, Eagleton Village, TN, Loudon, TN, Norris, TN, Fincastle, TN, Rockwood, TN, Harriman, TN, Mascot, TN, Townsend, TN, Friendsville, TN, Tellico Plains, TN, Oliver Springs, TN, Midtown, TN, Rockford, TN, Oliver Springs, TN, Caryville, TN, Jacksboro, TN, Oakdale, TN, Lake City, TN, Maynardville, TN, Wartburg, TN, Philadelphia, TN, Walland, TN, Coalfield, TN, Jellico, TN, and Sunbright, 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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