Top Mortgage Lenders in the Fresno, CA area

Which mortgage lender in the Fresno, CA area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Fresno, CA area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Fresno, CA area is Educational Employees Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.40%. This means that Educational Employees Credit Union provided a -0.40% lower interest rate for its customers than other lenders in Fresno, CA for a similar set of borrowers. Educational Employees Credit Union has a market share of 2.2%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 10.4%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.09% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Fresno, 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, the cheapest lender for Conventional mortgages in Fresno, CA is Citywide Home Loans. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Home Point Financial Corporation. The cheapest VA mortgage provider is Navy Federal Credit Union. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Educational Employees Credit Union 1, -0.40% 2.17%
Golden Empire Mortgage, Inc 2, -0.29% 1.25%
Citywide Home Loans 3, -0.26% 3.83%
Eagle Home Mortgage 4, -0.24% 1.00%
Academy Mortgage Corporation 5, -0.24% 0.41%
Country Club Mortgage, INC 6, -0.22% 6.38%
DHI Mortgage Company Limited 7, -0.21% 1.70%
Amerisave Mortgage Corporation 8, -0.17% 0.56%
Provident Funding Associates 9, -0.16% 0.47%
Home Point Financial Corporation 10, -0.12% 2.65%
Bank of America 11, -0.11% 1.52%
Navy Federal Credit Union 12, -0.10% 0.82%
LoanDepot 13, -0.09% 2.44%
Watermark Home Loans 14, -0.09% 0.65%
Inspire Home Loans Inc 15, -0.09% 0.58%
The Golden 1 Credit Union 16, -0.09% 0.91%
Pacific Service Credit Union 17, -0.08% 0.21%
Amerifirst Financial Inc 18, -0.08% 0.32%
Interactive Mortgage 19, -0.08% 0.22%
MUFG Union Bank 20, -0.06% 0.98%
Essex Mortgage 21, -0.06% 0.15%
CMG Mortgage Inc 22, -0.06% 1.46%
Keller Mortgage 23, -0.06% 0.24%
Sovereign Lending Group, Inc 24, -0.06% 0.13%
Guild Mortgage Company 25, -0.05% 1.21%
First Choice Loan Services Inc 26, -0.03% 0.18%
Guaranteed Rate Inc 27, -0.03% 0.13%
FirstBank 28, -0.02% 0.15%
CrossCountry Mortgage Inc 29, -0.02% 0.49%
Newrez 30, -0.02% 0.55%
CashCall Mortgage 31, -0.01% 0.50%
Citibank 32, -0.01% 0.26%
JG Wentworth Home Lending 33, -0.01% 0.39%
Mason-McDuffie Mortgage Corporation 34, 0.00% 1.05%
Cardinal Financial Company LP 35, 0.00% 0.30%
Sierra Pacific Mortgage 36, 0.01% 2.90%
Plaza Home Mortgage Inc 37, 0.01% 0.90%
Caliber Home Loans Inc 38, 0.01% 1.78%
K Hovnanian American Mortgage 39, 0.01% 0.14%
Usaa Federal Savings Bank 40, 0.01% 0.69%
Nations Direct Mortgage 41, 0.02% 0.14%
Pennymac Loan Services 42, 0.02% 1.49%
Network Capital Funding Corporation 43, 0.02% 0.15%
Ark-La-Tex Financial Services 44, 0.02% 0.52%
Colonial Savings 45, 0.02% 0.14%
Strong Home Mortgage 46, 0.02% 0.17%
American Financing Corporation 47, 0.02% 0.18%
NBKC Bank 48, 0.02% 0.17%
Finance of America Mortgage 49, 0.03% 1.74%
Kings Mortgage Services Inc 50, 0.03% 3.59%
Us Bank 51, 0.03% 0.39%
MLD Mortgage Inc 52, 0.03% 0.28%
Paramount Equity Mortgage 53, 0.03% 0.78%
Stearns Lending 54, 0.03% 1.22%
Flagstar Bank 55, 0.04% 1.82%
Scenic Oaks Funding 56, 0.04% 0.15%
North American Savings Bank 57, 0.04% 0.13%
Cherry Creek Mortgage Co Inc 58, 0.04% 0.22%
Commerce Home Mortgage 59, 0.04% 1.46%
Churchill Mortgage Corporation 60, 0.04% 0.13%
Paramount Residential Mortgage Group Inc 61, 0.05% 0.28%
KBHS Home Loans 62, 0.05% 0.30%
Lakeview Loan Servicing 63, 0.05% 0.39%
Primary Residential Mortgage Inc 64, 0.05% 0.54%
Mid Valley Services Inc 65, 0.05% 0.26%
Bbva Usa 66, 0.05% 0.13%
Monster Loans 67, 0.05% 0.13%
Prime Choice Funding Inc 68, 0.05% 0.13%
Bank Of The West 69, 0.06% 0.36%
Bay Valley Mortgage Group DBA Pacific Bay Lending Group 70, 0.06% 0.17%
Mechanics Bank 71, 0.06% 0.12%
Wells Fargo Bank 72, 0.07% 5.39%
New American Funding 73, 0.07% 1.22%
HomeBridge Financial Services, Inc 74, 0.07% 2.49%
Carrington Mortgage Services 75, 0.08% 1.52%
JPMorgan Chase Bank 76, 0.08% 1.64%
Movement Mortgage 77, 0.08% 0.25%
Quicken Loans 78, 0.09% 10.41%
Supreme Lending/ Everett Financial Inc 79, 0.09% 0.19%
Synergy One Lending 80, 0.09% 0.23%
American Pacific Mortgage Corporation 81, 0.12% 2.18%
Mountain West Financial Inc 82, 0.12% 0.51%
Fairway Independent Mort Corp 83, 0.12% 0.77%
Summit Funding Inc 84, 0.13% 0.24%
Ditech Financial 85, 0.14% 0.49%
AmeriHomeMortgageCompany,LL 86, 0.15% 0.21%
Nations Lending Corporation 87, 0.16% 0.30%
Resource Lenders Inc 88, 0.17% 0.29%
Eagle Home Mortgage of CA 89, 0.17% 1.24%
The Federal Savings Bank 90, 0.17% 0.21%
Platinum Home Mortgage Corporation 91, 0.17% 0.87%
Freedom Mortgage Corporation 92, 0.18% 1.26%
Alameda Mortgage Corporation 93, 0.21% 2.92%
Panorama Mortgage Group 94, 0.26% 1.57%
Bay Equity 95, 0.26% 1.13%
Nationstar Mortgage 96, 0.30% 1.53%
NewDay USA 97, 0.45% 0.20%
Self-Help Federal Credit Union 98, 0.57% 0.43%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Golden Empire Mortgage, Inc 1, -0.40% 1.65%
Country Club Mortgage, INC 2, -0.26% 9.66%
Academy Mortgage Corporation 3, -0.25% 0.66%
Citywide Home Loans 4, -0.24% 6.48%
Educational Employees Credit Union 5, -0.22% 0.49%
Eagle Home Mortgage 6, -0.22% 1.75%
Bank of America 7, -0.19% 1.03%
DHI Mortgage Company Limited 8, -0.18% 3.09%
Amerifirst Financial Inc 9, -0.10% 0.39%
Home Point Financial Corporation 10, -0.10% 2.92%
Navy Federal Credit Union 11, -0.08% 1.13%
MUFG Union Bank 12, -0.07% 0.97%
Watermark Home Loans 13, -0.07% 1.01%
Inspire Home Loans Inc 14, -0.06% 1.04%
The Golden 1 Credit Union 15, -0.05% 0.64%
Essex Mortgage 16, -0.05% 0.22%
CMG Mortgage Inc 17, -0.04% 1.97%
Keller Mortgage 18, -0.04% 0.30%
Guild Mortgage Company 19, -0.03% 1.36%
Wells Fargo Bank 20, -0.03% 5.08%
Provident Funding Associates 21, -0.02% 0.14%
JPMorgan Chase Bank 22, -0.01% 0.88%
Citibank 23, -0.00% 0.14%
Us Bank 24, -0.00% 0.23%
Pacific Service Credit Union 25, 0.01% 0.08%
CrossCountry Mortgage Inc 26, 0.01% 0.88%
LoanDepot 27, 0.02% 1.01%
Carrington Mortgage Services 28, 0.02% 0.85%
Sierra Pacific Mortgage 29, 0.03% 3.73%
Mason-McDuffie Mortgage Corporation 30, 0.04% 1.18%
Pennymac Loan Services 31, 0.04% 0.19%
NBKC Bank 32, 0.04% 0.14%
Plaza Home Mortgage Inc 33, 0.04% 0.70%
Kings Mortgage Services Inc 34, 0.04% 5.36%
Bank Of The West 35, 0.05% 0.20%
Freedom Mortgage Corporation 36, 0.05% 0.29%
Strong Home Mortgage 37, 0.05% 0.04%
Cardinal Financial Company LP 38, 0.05% 0.26%
K Hovnanian American Mortgage 39, 0.05% 0.25%
FirstBank 40, 0.05% 0.04%
Ark-La-Tex Financial Services 41, 0.05% 0.60%
Nations Direct Mortgage 42, 0.06% 0.14%
Stearns Lending 43, 0.06% 1.60%
Finance of America Mortgage 44, 0.06% 2.50%
North American Savings Bank 45, 0.06% 0.11%
Cherry Creek Mortgage Co Inc 46, 0.06% 0.21%
Paramount Residential Mortgage Group Inc 47, 0.07% 0.29%
MLD Mortgage Inc 48, 0.07% 0.43%
Quicken Loans 49, 0.07% 4.06%
Colonial Savings 50, 0.07% 0.09%
Flagstar Bank 51, 0.07% 1.54%
Scenic Oaks Funding 52, 0.07% 0.22%
Guaranteed Rate Inc 53, 0.08% 0.07%
JG Wentworth Home Lending 54, 0.08% 0.09%
Mid Valley Services Inc 55, 0.08% 0.24%
Ditech Financial 56, 0.08% 0.06%
AmeriHomeMortgageCompany,LL 57, 0.08% 0.01%
Newrez 58, 0.08% 0.24%
KBHS Home Loans 59, 0.08% 0.55%
Lakeview Loan Servicing 60, 0.09% 0.01%
Amerisave Mortgage Corporation 61, 0.09% 0.03%
HomeBridge Financial Services, Inc 62, 0.09% 2.95%
Usaa Federal Savings Bank 63, 0.09% 0.67%
Synergy One Lending 64, 0.09% 0.08%
First Choice Loan Services Inc 65, 0.09% 0.09%
Commerce Home Mortgage 66, 0.09% 2.08%
Mechanics Bank 67, 0.10% 0.06%
Bbva Usa 68, 0.10% 0.09%
Paramount Equity Mortgage 69, 0.10% 0.04%
Bay Valley Mortgage Group DBA Pacific Bay Lending Group 70, 0.10% 0.16%
Churchill Mortgage Corporation 71, 0.11% 0.11%
New American Funding 72, 0.11% 1.31%
American Financing Corporation 73, 0.11% 0.02%
Primary Residential Mortgage Inc 74, 0.12% 0.68%
Prime Choice Funding Inc 75, 0.12% 0.08%
The Federal Savings Bank 76, 0.12% 0.01%
Monster Loans 77, 0.12% 0.05%
NewDay USA 78, 0.12% 0.05%
Movement Mortgage 79, 0.12% 0.37%
Supreme Lending/ Everett Financial Inc 80, 0.13% 0.22%
Caliber Home Loans Inc 81, 0.13% 1.43%
CashCall Mortgage 82, 0.14% 0.11%
Nationstar Mortgage 83, 0.14% 0.22%
Nations Lending Corporation 84, 0.15% 0.22%
Fairway Independent Mort Corp 85, 0.17% 1.01%
American Pacific Mortgage Corporation 86, 0.18% 2.87%
Mountain West Financial Inc 87, 0.19% 0.68%
Summit Funding Inc 88, 0.19% 0.29%
Eagle Home Mortgage of CA 89, 0.21% 2.19%
Resource Lenders Inc 90, 0.21% 0.45%
Platinum Home Mortgage Corporation 91, 0.22% 1.23%
Alameda Mortgage Corporation 92, 0.26% 3.96%
Panorama Mortgage Group 93, 0.30% 2.36%
Bay Equity 94, 0.36% 1.57%
Self-Help Federal Credit Union 95, 0.63% 0.75%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Educational Employees Credit Union 1, -0.46% 4.21%
Provident Funding Associates 2, -0.23% 0.86%
Amerisave Mortgage Corporation 3, -0.22% 1.20%
LoanDepot 4, -0.16% 4.18%
Home Point Financial Corporation 5, -0.15% 2.32%
Pacific Service Credit Union 6, -0.14% 0.36%
The Golden 1 Credit Union 7, -0.13% 1.24%
Interactive Mortgage 8, -0.13% 0.50%
First Choice Loan Services Inc 9, -0.11% 0.30%
Navy Federal Credit Union 10, -0.10% 0.46%
Guaranteed Rate Inc 11, -0.10% 0.20%
Sovereign Lending Group, Inc 12, -0.10% 0.30%
Caliber Home Loans Inc 13, -0.10% 2.20%
Bank of America 14, -0.09% 2.11%
Newrez 15, -0.09% 0.93%
FirstBank 16, -0.08% 0.28%
Watermark Home Loans 17, -0.07% 0.22%
Usaa Federal Savings Bank 18, -0.07% 0.73%
CashCall Mortgage 19, -0.07% 0.98%
Guild Mortgage Company 20, -0.07% 1.02%
Keller Mortgage 21, -0.06% 0.17%
JG Wentworth Home Lending 22, -0.06% 0.75%
Primary Residential Mortgage Inc 23, -0.06% 0.38%
MUFG Union Bank 24, -0.06% 1.00%
CMG Mortgage Inc 25, -0.05% 0.83%
Commerce Home Mortgage 26, -0.05% 0.72%
Cardinal Financial Company LP 27, -0.05% 0.35%
Mason-McDuffie Mortgage Corporation 28, -0.05% 0.89%
Citibank 29, -0.04% 0.40%
Nations Direct Mortgage 30, -0.04% 0.13%
Colonial Savings 31, -0.03% 0.20%
Plaza Home Mortgage Inc 32, -0.03% 1.15%
Network Capital Funding Corporation 33, -0.03% 0.33%
Pennymac Loan Services 34, -0.03% 3.07%
American Financing Corporation 35, -0.02% 0.38%
Eagle Home Mortgage 36, -0.02% 0.08%
Finance of America Mortgage 37, -0.02% 0.81%
Ark-La-Tex Financial Services 38, -0.02% 0.41%
Strong Home Mortgage 39, -0.02% 0.32%
Amerifirst Financial Inc 40, -0.02% 0.24%
Churchill Mortgage Corporation 41, -0.02% 0.15%
Sierra Pacific Mortgage 42, -0.02% 1.89%
Paramount Equity Mortgage 43, -0.01% 1.69%
Inspire Home Loans Inc 44, -0.01% 0.02%
Prime Choice Funding Inc 45, -0.01% 0.19%
Flagstar Bank 46, -0.01% 2.17%
NBKC Bank 47, -0.01% 0.20%
Mountain West Financial Inc 48, -0.00% 0.31%
Scenic Oaks Funding 49, -0.00% 0.05%
Monster Loans 50, -0.00% 0.22%
Citywide Home Loans 51, -0.00% 0.60%
Bbva Usa 52, -0.00% 0.18%
Bay Valley Mortgage Group DBA Pacific Bay Lending Group 53, 0.00% 0.18%
North American Savings Bank 54, 0.00% 0.16%
Lakeview Loan Servicing 55, 0.00% 0.86%
MLD Mortgage Inc 56, 0.00% 0.09%
Essex Mortgage 57, 0.01% 0.06%
Stearns Lending 58, 0.01% 0.75%
KBHS Home Loans 59, 0.01% 0.01%
Cherry Creek Mortgage Co Inc 60, 0.01% 0.23%
Mid Valley Services Inc 61, 0.01% 0.28%
Mechanics Bank 62, 0.02% 0.19%
New American Funding 63, 0.02% 1.11%
Movement Mortgage 64, 0.02% 0.10%
Self-Help Federal Credit Union 65, 0.02% 0.03%
Us Bank 66, 0.02% 0.59%
American Pacific Mortgage Corporation 67, 0.02% 1.33%
Paramount Residential Mortgage Group Inc 68, 0.02% 0.25%
Summit Funding Inc 69, 0.03% 0.18%
Eagle Home Mortgage of CA 70, 0.03% 0.07%
Bank Of The West 71, 0.03% 0.55%
Supreme Lending/ Everett Financial Inc 72, 0.04% 0.15%
Bay Equity 73, 0.04% 0.60%
Fairway Independent Mort Corp 74, 0.04% 0.48%
Synergy One Lending 75, 0.05% 0.41%
Quicken Loans 76, 0.06% 18.14%
Resource Lenders Inc 77, 0.06% 0.10%
HomeBridge Financial Services, Inc 78, 0.06% 1.92%
Golden Empire Mortgage, Inc 79, 0.07% 0.77%
Carrington Mortgage Services 80, 0.07% 2.33%
Kings Mortgage Services Inc 81, 0.08% 1.44%
Platinum Home Mortgage Corporation 82, 0.08% 0.44%
JPMorgan Chase Bank 83, 0.09% 2.56%
AmeriHomeMortgageCompany,LL 84, 0.10% 0.45%
Country Club Mortgage, INC 85, 0.11% 2.37%
Ditech Financial 86, 0.11% 1.02%
Alameda Mortgage Corporation 87, 0.11% 1.66%
Academy Mortgage Corporation 88, 0.12% 0.11%
The Federal Savings Bank 89, 0.13% 0.45%
Nations Lending Corporation 90, 0.15% 0.39%
Freedom Mortgage Corporation 91, 0.15% 2.44%
Wells Fargo Bank 92, 0.16% 5.76%
Panorama Mortgage Group 93, 0.21% 0.61%
Nationstar Mortgage 94, 0.27% 3.13%
NewDay USA 95, 0.46% 0.38%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Citywide Home Loans 1, -0.46% 3.80%
Academy Mortgage Corporation 2, -0.41% 0.40%
Golden Empire Mortgage, Inc 3, -0.40% 1.37%
Educational Employees Credit Union 4, -0.39% 3.21%
Country Club Mortgage, INC 5, -0.39% 5.38%
Eagle Home Mortgage 6, -0.28% 1.09%
DHI Mortgage Company Limited 7, -0.23% 1.13%
Amerisave Mortgage Corporation 8, -0.20% 0.66%
Provident Funding Associates 9, -0.15% 0.70%
Essex Mortgage 10, -0.14% 0.13%
Guild Mortgage Company 11, -0.13% 1.12%
Amerifirst Financial Inc 12, -0.12% 0.32%
Watermark Home Loans 13, -0.12% 0.79%
LoanDepot 14, -0.11% 2.59%
Bank of America 15, -0.10% 1.99%
Inspire Home Loans Inc 16, -0.10% 0.65%
Interactive Mortgage 17, -0.09% 0.26%
The Golden 1 Credit Union 18, -0.08% 1.30%
Pacific Service Credit Union 19, -0.07% 0.31%
Keller Mortgage 20, -0.06% 0.29%
MUFG Union Bank 21, -0.06% 1.17%
Home Point Financial Corporation 22, -0.05% 2.08%
K Hovnanian American Mortgage 23, -0.03% 0.10%
Guaranteed Rate Inc 24, -0.03% 0.15%
Primary Residential Mortgage Inc 25, -0.03% 0.48%
First Choice Loan Services Inc 26, -0.03% 0.23%
CMG Mortgage Inc 27, -0.02% 1.35%
Newrez 28, -0.02% 0.64%
FirstBank 29, -0.02% 0.18%
Cardinal Financial Company LP 30, -0.01% 0.33%
CashCall Mortgage 31, -0.01% 0.66%
New American Funding 32, -0.00% 1.09%
JG Wentworth Home Lending 33, -0.00% 0.50%
Mason-McDuffie Mortgage Corporation 34, 0.01% 0.90%
Citibank 35, 0.01% 0.38%
Ark-La-Tex Financial Services 36, 0.01% 0.50%
Usaa Federal Savings Bank 37, 0.01% 0.29%
Paramount Equity Mortgage 38, 0.02% 0.79%
Stearns Lending 39, 0.02% 0.90%
Network Capital Funding Corporation 40, 0.03% 0.13%
Scenic Oaks Funding 41, 0.03% 0.11%
Colonial Savings 42, 0.04% 0.21%
Strong Home Mortgage 43, 0.04% 0.22%
Nations Direct Mortgage 44, 0.04% 0.09%
KBHS Home Loans 45, 0.04% 0.19%
NBKC Bank 46, 0.04% 0.21%
American Financing Corporation 47, 0.04% 0.20%
Sierra Pacific Mortgage 48, 0.04% 3.28%
Sovereign Lending Group, Inc 49, 0.04% 0.04%
Finance of America Mortgage 50, 0.05% 1.80%
Us Bank 51, 0.05% 0.46%
Caliber Home Loans Inc 52, 0.05% 1.52%
MLD Mortgage Inc 53, 0.05% 0.35%
Monster Loans 54, 0.06% 0.10%
Cherry Creek Mortgage Co Inc 55, 0.06% 0.25%
Flagstar Bank 56, 0.06% 2.00%
North American Savings Bank 57, 0.06% 0.08%
Churchill Mortgage Corporation 58, 0.06% 0.17%
Plaza Home Mortgage Inc 59, 0.06% 0.78%
Mid Valley Services Inc 60, 0.07% 0.35%
Synergy One Lending 61, 0.07% 0.17%
Bay Valley Mortgage Group DBA Pacific Bay Lending Group 62, 0.07% 0.13%
Bank Of The West 63, 0.07% 0.48%
Mechanics Bank 64, 0.07% 0.14%
The Federal Savings Bank 65, 0.08% 0.01%
Carrington Mortgage Services 66, 0.09% 0.79%
Supreme Lending/ Everett Financial Inc 67, 0.09% 0.19%
Bbva Usa 68, 0.09% 0.10%
Prime Choice Funding Inc 69, 0.09% 0.06%
Lakeview Loan Servicing 70, 0.10% 0.14%
Movement Mortgage 71, 0.10% 0.24%
Commerce Home Mortgage 72, 0.10% 1.39%
JPMorgan Chase Bank 73, 0.10% 2.32%
Wells Fargo Bank 74, 0.10% 7.37%
Paramount Residential Mortgage Group Inc 75, 0.10% 0.23%
Quicken Loans 76, 0.11% 12.69%
Pennymac Loan Services 77, 0.12% 0.94%
Kings Mortgage Services Inc 78, 0.13% 2.81%
Fairway Independent Mort Corp 79, 0.13% 0.64%
Mountain West Financial Inc 80, 0.13% 0.35%
American Pacific Mortgage Corporation 81, 0.15% 1.80%
Summit Funding Inc 82, 0.15% 0.24%
AmeriHomeMortgageCompany,LL 83, 0.17% 0.20%
Eagle Home Mortgage of CA 84, 0.18% 1.28%
Nations Lending Corporation 85, 0.19% 0.32%
HomeBridge Financial Services, Inc 86, 0.20% 2.25%
Navy Federal Credit Union 87, 0.20% 0.30%
Platinum Home Mortgage Corporation 88, 0.20% 0.67%
Freedom Mortgage Corporation 89, 0.22% 0.78%
Resource Lenders Inc 90, 0.22% 0.30%
Alameda Mortgage Corporation 91, 0.22% 3.00%
Panorama Mortgage Group 92, 0.23% 1.24%
Bay Equity 93, 0.25% 1.09%
CrossCountry Mortgage Inc 94, 0.26% 0.11%
Ditech Financial 95, 0.26% 0.47%
Nationstar Mortgage 96, 0.40% 1.36%
Self-Help Federal Credit Union 97, 0.59% 0.64%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Golden Empire Mortgage, Inc 1, -0.63% 1.77%
Country Club Mortgage, INC 2, -0.50% 8.30%
Academy Mortgage Corporation 3, -0.47% 0.67%
Citywide Home Loans 4, -0.45% 6.94%
Eagle Home Mortgage 5, -0.23% 2.09%
Bank of America 6, -0.19% 1.25%
Educational Employees Credit Union 7, -0.19% 0.79%
DHI Mortgage Company Limited 8, -0.17% 2.28%
Essex Mortgage 9, -0.16% 0.19%
Amerifirst Financial Inc 10, -0.13% 0.44%
Guild Mortgage Company 11, -0.13% 1.32%
Watermark Home Loans 12, -0.07% 1.31%
MUFG Union Bank 13, -0.06% 1.12%
Inspire Home Loans Inc 14, -0.04% 1.28%
The Golden 1 Credit Union 15, -0.02% 0.95%
New American Funding 16, -0.02% 1.19%
Keller Mortgage 17, -0.02% 0.40%
Home Point Financial Corporation 18, -0.00% 2.61%
Us Bank 19, 0.01% 0.28%
Primary Residential Mortgage Inc 20, 0.01% 0.60%
JPMorgan Chase Bank 21, 0.02% 1.29%
Wells Fargo Bank 22, 0.02% 7.31%
Provident Funding Associates 23, 0.02% 0.24%
Stearns Lending 24, 0.03% 1.10%
K Hovnanian American Mortgage 25, 0.03% 0.20%
CMG Mortgage Inc 26, 0.03% 1.76%
LoanDepot 27, 0.03% 1.22%
Citibank 28, 0.04% 0.22%
Mason-McDuffie Mortgage Corporation 29, 0.04% 0.95%
Ark-La-Tex Financial Services 30, 0.05% 0.60%
Pacific Service Credit Union 31, 0.06% 0.13%
Cardinal Financial Company LP 32, 0.06% 0.30%
Usaa Federal Savings Bank 33, 0.06% 0.31%
Pennymac Loan Services 34, 0.07% 0.18%
Bank Of The West 35, 0.08% 0.28%
NBKC Bank 36, 0.08% 0.19%
Scenic Oaks Funding 37, 0.09% 0.18%
Strong Home Mortgage 38, 0.09% 0.07%
North American Savings Bank 39, 0.09% 0.04%
Cherry Creek Mortgage Co Inc 40, 0.10% 0.22%
FirstBank 41, 0.10% 0.06%
KBHS Home Loans 42, 0.10% 0.37%
Sierra Pacific Mortgage 43, 0.10% 4.39%
Plaza Home Mortgage Inc 44, 0.10% 0.62%
Finance of America Mortgage 45, 0.11% 2.72%
Colonial Savings 46, 0.11% 0.14%
Nationstar Mortgage 47, 0.11% 0.12%
Flagstar Bank 48, 0.11% 1.82%
MLD Mortgage Inc 49, 0.11% 0.59%
Synergy One Lending 50, 0.12% 0.06%
JG Wentworth Home Lending 51, 0.12% 0.13%
Guaranteed Rate Inc 52, 0.12% 0.06%
Mid Valley Services Inc 53, 0.12% 0.36%
Lakeview Loan Servicing 54, 0.12% 0.01%
Freedom Mortgage Corporation 55, 0.12% 0.07%
AmeriHomeMortgageCompany,LL 56, 0.13% 0.01%
Newrez 57, 0.13% 0.29%
Amerisave Mortgage Corporation 58, 0.13% 0.05%
Nations Direct Mortgage 59, 0.13% 0.08%
Quicken Loans 60, 0.13% 5.06%
Ditech Financial 61, 0.13% 0.05%
Mechanics Bank 62, 0.13% 0.07%
First Choice Loan Services Inc 63, 0.14% 0.11%
Supreme Lending/ Everett Financial Inc 64, 0.14% 0.20%
American Financing Corporation 65, 0.14% 0.01%
Paramount Residential Mortgage Group Inc 66, 0.14% 0.29%
Bbva Usa 67, 0.15% 0.10%
Paramount Equity Mortgage 68, 0.15% 0.05%
Carrington Mortgage Services 69, 0.15% 0.53%
Bay Valley Mortgage Group DBA Pacific Bay Lending Group 70, 0.15% 0.12%
Churchill Mortgage Corporation 71, 0.16% 0.14%
The Federal Savings Bank 72, 0.16% 0.01%
Prime Choice Funding Inc 73, 0.16% 0.10%
Movement Mortgage 74, 0.17% 0.37%
Monster Loans 75, 0.17% 0.05%
CashCall Mortgage 76, 0.18% 0.16%
Kings Mortgage Services Inc 77, 0.18% 4.11%
Fairway Independent Mort Corp 78, 0.19% 0.89%
Caliber Home Loans Inc 79, 0.20% 1.29%
Nations Lending Corporation 80, 0.20% 0.31%
Commerce Home Mortgage 81, 0.21% 1.98%
American Pacific Mortgage Corporation 82, 0.23% 2.39%
Mountain West Financial Inc 83, 0.23% 0.46%
Eagle Home Mortgage of CA 84, 0.24% 2.48%
Summit Funding Inc 85, 0.24% 0.31%
Panorama Mortgage Group 86, 0.27% 1.87%
HomeBridge Financial Services, Inc 87, 0.29% 2.96%
Platinum Home Mortgage Corporation 88, 0.29% 0.85%
Navy Federal Credit Union 89, 0.30% 0.46%
Resource Lenders Inc 90, 0.30% 0.49%
Alameda Mortgage Corporation 91, 0.31% 4.16%
CrossCountry Mortgage Inc 92, 0.32% 0.22%
Bay Equity 93, 0.38% 1.57%
Self-Help Federal Credit Union 94, 0.67% 1.26%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Educational Employees Credit Union 1, -0.47% 5.62%
Amerisave Mortgage Corporation 2, -0.27% 1.26%
Provident Funding Associates 3, -0.23% 1.15%
LoanDepot 4, -0.20% 3.94%
Interactive Mortgage 5, -0.15% 0.51%
Pacific Service Credit Union 6, -0.14% 0.49%
The Golden 1 Credit Union 7, -0.13% 1.64%
First Choice Loan Services Inc 8, -0.12% 0.36%
Guaranteed Rate Inc 9, -0.12% 0.24%
Newrez 10, -0.11% 1.00%
Guild Mortgage Company 11, -0.10% 0.92%
Bank of America 12, -0.09% 2.72%
FirstBank 13, -0.09% 0.30%
Home Point Financial Corporation 14, -0.08% 1.56%
CashCall Mortgage 15, -0.08% 1.17%
Watermark Home Loans 16, -0.08% 0.27%
Cardinal Financial Company LP 17, -0.08% 0.36%
Keller Mortgage 18, -0.07% 0.19%
JG Wentworth Home Lending 19, -0.07% 0.87%
CMG Mortgage Inc 20, -0.07% 0.94%
Caliber Home Loans Inc 21, -0.07% 1.74%
Commerce Home Mortgage 22, -0.07% 0.80%
Primary Residential Mortgage Inc 23, -0.07% 0.37%
MUFG Union Bank 24, -0.06% 1.23%
Nations Direct Mortgage 25, -0.05% 0.10%
Paramount Equity Mortgage 26, -0.05% 1.53%
Citibank 27, -0.04% 0.54%
Colonial Savings 28, -0.03% 0.27%
Network Capital Funding Corporation 29, -0.03% 0.26%
Amerifirst Financial Inc 30, -0.03% 0.20%
Ark-La-Tex Financial Services 31, -0.03% 0.39%
Usaa Federal Savings Bank 32, -0.03% 0.27%
Eagle Home Mortgage 33, -0.03% 0.10%
Strong Home Mortgage 34, -0.03% 0.37%
Finance of America Mortgage 35, -0.03% 0.88%
Mason-McDuffie Mortgage Corporation 36, -0.02% 0.86%
American Financing Corporation 37, -0.02% 0.38%
Churchill Mortgage Corporation 38, -0.02% 0.20%
Monster Loans 39, -0.02% 0.14%
Sovereign Lending Group, Inc 40, -0.02% 0.07%
Bay Valley Mortgage Group DBA Pacific Bay Lending Group 41, -0.01% 0.14%
Inspire Home Loans Inc 42, -0.01% 0.02%
Sierra Pacific Mortgage 43, -0.01% 2.18%
NBKC Bank 44, -0.00% 0.23%
Scenic Oaks Funding 45, -0.00% 0.05%
Citywide Home Loans 46, -0.00% 0.69%
Navy Federal Credit Union 47, 0.00% 0.14%
The Federal Savings Bank 48, 0.00% 0.01%
MLD Mortgage Inc 49, 0.01% 0.11%
Prime Choice Funding Inc 50, 0.01% 0.02%
Essex Mortgage 51, 0.01% 0.07%
Flagstar Bank 52, 0.01% 2.18%
Mountain West Financial Inc 53, 0.01% 0.25%
North American Savings Bank 54, 0.01% 0.12%
Synergy One Lending 55, 0.01% 0.27%
KBHS Home Loans 56, 0.01% 0.01%
Cherry Creek Mortgage Co Inc 57, 0.01% 0.29%
Mechanics Bank 58, 0.01% 0.21%
Mid Valley Services Inc 59, 0.02% 0.34%
Plaza Home Mortgage Inc 60, 0.02% 0.94%
Self-Help Federal Credit Union 61, 0.02% 0.04%
Movement Mortgage 62, 0.02% 0.11%
Summit Funding Inc 63, 0.02% 0.17%
Carrington Mortgage Services 64, 0.02% 1.06%
New American Funding 65, 0.03% 1.00%
Us Bank 66, 0.03% 0.64%
Eagle Home Mortgage of CA 67, 0.03% 0.10%
Bay Equity 68, 0.04% 0.62%
Bbva Usa 69, 0.04% 0.10%
Bank Of The West 70, 0.04% 0.69%
Lakeview Loan Servicing 71, 0.04% 0.26%
Supreme Lending/ Everett Financial Inc 72, 0.04% 0.18%
Stearns Lending 73, 0.04% 0.69%
American Pacific Mortgage Corporation 74, 0.05% 1.23%
Quicken Loans 75, 0.06% 20.26%
Pennymac Loan Services 76, 0.06% 1.69%
HomeBridge Financial Services, Inc 77, 0.07% 1.55%
Resource Lenders Inc 78, 0.07% 0.11%
Golden Empire Mortgage, Inc 79, 0.07% 0.96%
Fairway Independent Mort Corp 80, 0.07% 0.40%
Paramount Residential Mortgage Group Inc 81, 0.07% 0.17%
Kings Mortgage Services Inc 82, 0.09% 1.52%
JPMorgan Chase Bank 83, 0.09% 3.33%
Platinum Home Mortgage Corporation 84, 0.10% 0.50%
AmeriHomeMortgageCompany,LL 85, 0.11% 0.39%
Alameda Mortgage Corporation 86, 0.12% 1.84%
Academy Mortgage Corporation 87, 0.13% 0.13%
Country Club Mortgage, INC 88, 0.14% 2.49%
Freedom Mortgage Corporation 89, 0.16% 1.48%
Wells Fargo Bank 90, 0.18% 7.42%
Nations Lending Corporation 91, 0.18% 0.32%
Ditech Financial 92, 0.21% 0.89%
Panorama Mortgage Group 93, 0.25% 0.62%
Nationstar Mortgage 94, 0.35% 2.59%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Home Point Financial Corporation 1, -0.27% 3.39%
DHI Mortgage Company Limited 2, -0.26% 3.35%
Eagle Home Mortgage 3, -0.18% 0.64%
HomeBridge Financial Services, Inc 4, -0.17% 3.44%
CMG Mortgage Inc 5, -0.15% 2.02%
Bank of America 6, -0.13% 0.33%
Sierra Pacific Mortgage 7, -0.12% 2.40%
CrossCountry Mortgage Inc 8, -0.11% 1.80%
Kings Mortgage Services Inc 9, -0.11% 6.25%
Plaza Home Mortgage Inc 10, -0.10% 1.11%
Inspire Home Loans Inc 11, -0.09% 0.45%
Ditech Financial 12, -0.09% 0.59%
MUFG Union Bank 13, -0.08% 0.78%
Commerce Home Mortgage 14, -0.08% 1.97%
Flagstar Bank 15, -0.06% 0.74%
Interactive Mortgage 16, -0.05% 0.21%
Quicken Loans 17, -0.05% 5.70%
Paramount Residential Mortgage Group Inc 18, -0.05% 0.43%
The Golden 1 Credit Union 19, -0.05% 0.10%
Country Club Mortgage, INC 20, -0.04% 9.93%
MLD Mortgage Inc 21, -0.04% 0.17%
Mason-McDuffie Mortgage Corporation 22, -0.04% 1.68%
Nations Direct Mortgage 23, -0.03% 0.28%
Keller Mortgage 24, -0.03% 0.12%
American Financing Corporation 25, -0.02% 0.19%
Caliber Home Loans Inc 26, -0.02% 1.99%
Amerifirst Financial Inc 27, -0.02% 0.35%
Finance of America Mortgage 28, -0.01% 1.59%
Navy Federal Credit Union 29, -0.01% 0.03%
Churchill Mortgage Corporation 30, -0.01% 0.05%
Mid Valley Services Inc 31, -0.00% 0.05%
Newrez 32, -0.00% 0.28%
Strong Home Mortgage 33, -0.00% 0.05%
Bbva Usa 34, -0.00% 0.03%
Amerisave Mortgage Corporation 35, 0.00% 0.22%
NBKC Bank 36, 0.00% 0.03%
Provident Funding Associates 37, 0.00% 0.02%
Wells Fargo Bank 38, 0.00% 0.17%
Pennymac Loan Services 39, 0.00% 1.40%
Golden Empire Mortgage, Inc 40, 0.01% 1.45%
FirstBank 41, 0.01% 0.02%
North American Savings Bank 42, 0.01% 0.07%
First Choice Loan Services Inc 43, 0.01% 0.07%
Cherry Creek Mortgage Co Inc 44, 0.01% 0.21%
Guaranteed Rate Inc 45, 0.01% 0.03%
Scenic Oaks Funding 46, 0.02% 0.22%
Colonial Savings 47, 0.02% 0.02%
The Federal Savings Bank 48, 0.02% 0.02%
Us Bank 49, 0.02% 0.10%
Prime Choice Funding Inc 50, 0.02% 0.16%
Bank Of The West 51, 0.02% 0.10%
Carrington Mortgage Services 52, 0.02% 3.39%
Ark-La-Tex Financial Services 53, 0.02% 0.50%
Network Capital Funding Corporation 54, 0.02% 0.10%
Watermark Home Loans 55, 0.02% 0.48%
Bay Valley Mortgage Group DBA Pacific Bay Lending Group 56, 0.02% 0.36%
JG Wentworth Home Lending 57, 0.03% 0.07%
Stearns Lending 58, 0.03% 2.35%
LoanDepot 59, 0.03% 1.31%
KBHS Home Loans 60, 0.04% 0.59%
Monster Loans 61, 0.04% 0.17%
Essex Mortgage 62, 0.04% 0.26%
K Hovnanian American Mortgage 63, 0.04% 0.28%
Movement Mortgage 64, 0.04% 0.28%
CashCall Mortgage 65, 0.05% 0.26%
Resource Lenders Inc 66, 0.05% 0.29%
Lakeview Loan Servicing 67, 0.06% 0.83%
Paramount Equity Mortgage 68, 0.06% 0.66%
Cardinal Financial Company LP 69, 0.07% 0.22%
Guild Mortgage Company 70, 0.07% 1.71%
Synergy One Lending 71, 0.07% 0.24%
Academy Mortgage Corporation 72, 0.08% 0.54%
Supreme Lending/ Everett Financial Inc 73, 0.08% 0.24%
American Pacific Mortgage Corporation 74, 0.09% 2.92%
AmeriHomeMortgageCompany,LL 75, 0.09% 0.31%
Summit Funding Inc 76, 0.10% 0.33%
Mountain West Financial Inc 77, 0.10% 1.12%
Freedom Mortgage Corporation 78, 0.10% 1.74%
Fairway Independent Mort Corp 79, 0.11% 1.19%
Platinum Home Mortgage Corporation 80, 0.12% 1.73%
Nations Lending Corporation 81, 0.12% 0.26%
Nationstar Mortgage 82, 0.14% 2.28%
Citywide Home Loans 83, 0.15% 4.96%
Primary Residential Mortgage Inc 84, 0.16% 0.92%
Alameda Mortgage Corporation 85, 0.18% 3.40%
New American Funding 86, 0.19% 1.71%
Eagle Home Mortgage of CA 87, 0.22% 0.98%
Panorama Mortgage Group 88, 0.29% 2.94%
Bay Equity 89, 0.33% 1.30%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Home Point Financial Corporation 1, -0.29% 3.36%
HomeBridge Financial Services, Inc 2, -0.26% 3.43%
DHI Mortgage Company Limited 3, -0.25% 4.55%
Eagle Home Mortgage 4, -0.18% 0.84%
CMG Mortgage Inc 5, -0.16% 2.49%
Bank of America 6, -0.13% 0.42%
Sierra Pacific Mortgage 7, -0.12% 2.77%
Carrington Mortgage Services 8, -0.11% 1.60%
Kings Mortgage Services Inc 9, -0.11% 8.10%
Quicken Loans 10, -0.10% 2.35%
CrossCountry Mortgage Inc 11, -0.10% 2.44%
MUFG Union Bank 12, -0.09% 0.89%
Inspire Home Loans Inc 13, -0.08% 0.61%
Commerce Home Mortgage 14, -0.08% 2.46%
Flagstar Bank 15, -0.07% 0.68%
Freedom Mortgage Corporation 16, -0.07% 0.38%
Paramount Residential Mortgage Group Inc 17, -0.06% 0.35%
Plaza Home Mortgage Inc 18, -0.06% 0.87%
The Golden 1 Credit Union 19, -0.05% 0.12%
Country Club Mortgage, INC 20, -0.04% 12.53%
Keller Mortgage 21, -0.04% 0.12%
MLD Mortgage Inc 22, -0.03% 0.23%
Nations Direct Mortgage 23, -0.03% 0.28%
Pennymac Loan Services 24, -0.03% 0.19%
Amerifirst Financial Inc 25, -0.02% 0.33%
Mason-McDuffie Mortgage Corporation 26, -0.01% 1.71%
Finance of America Mortgage 27, -0.00% 1.88%
Mid Valley Services Inc 28, -0.00% 0.05%
Wells Fargo Bank 29, -0.00% 0.19%
Newrez 30, -0.00% 0.07%
Navy Federal Credit Union 31, -0.00% 0.05%
Churchill Mortgage Corporation 32, 0.00% 0.07%
Ditech Financial 33, 0.00% 0.05%
NBKC Bank 34, 0.01% 0.02%
Golden Empire Mortgage, Inc 35, 0.01% 1.83%
First Choice Loan Services Inc 36, 0.01% 0.02%
Guaranteed Rate Inc 37, 0.01% 0.02%
Paramount Equity Mortgage 38, 0.02% 0.02%
Cherry Creek Mortgage Co Inc 39, 0.02% 0.23%
North American Savings Bank 40, 0.02% 0.05%
Scenic Oaks Funding 41, 0.02% 0.31%
Colonial Savings 42, 0.02% 0.02%
LoanDepot 43, 0.02% 0.54%
Lakeview Loan Servicing 44, 0.03% 0.02%
Watermark Home Loans 45, 0.03% 0.63%
Bay Valley Mortgage Group DBA Pacific Bay Lending Group 46, 0.03% 0.28%
Bank Of The West 47, 0.03% 0.07%
Caliber Home Loans Inc 48, 0.04% 1.78%
American Financing Corporation 49, 0.04% 0.05%
KBHS Home Loans 50, 0.04% 0.80%
Monster Loans 51, 0.04% 0.07%
Us Bank 52, 0.04% 0.05%
Ark-La-Tex Financial Services 53, 0.04% 0.52%
Essex Mortgage 54, 0.05% 0.33%
Synergy One Lending 55, 0.05% 0.07%
K Hovnanian American Mortgage 56, 0.05% 0.38%
Movement Mortgage 57, 0.05% 0.35%
Prime Choice Funding Inc 58, 0.05% 0.05%
Stearns Lending 59, 0.06% 2.70%
CashCall Mortgage 60, 0.06% 0.05%
Resource Lenders Inc 61, 0.06% 0.38%
Cardinal Financial Company LP 62, 0.08% 0.19%
Nations Lending Corporation 63, 0.08% 0.09%
Academy Mortgage Corporation 64, 0.09% 0.73%
Supreme Lending/ Everett Financial Inc 65, 0.10% 0.31%
Guild Mortgage Company 66, 0.10% 1.64%
Nationstar Mortgage 67, 0.11% 0.45%
American Pacific Mortgage Corporation 68, 0.12% 3.43%
Summit Funding Inc 69, 0.13% 0.31%
Mountain West Financial Inc 70, 0.13% 1.24%
Fairway Independent Mort Corp 71, 0.13% 1.38%
Platinum Home Mortgage Corporation 72, 0.14% 2.23%
Citywide Home Loans 73, 0.16% 6.59%
Alameda Mortgage Corporation 74, 0.21% 4.08%
Primary Residential Mortgage Inc 75, 0.22% 0.99%
Eagle Home Mortgage of CA 76, 0.22% 1.34%
New American Funding 77, 0.26% 1.69%
Panorama Mortgage Group 78, 0.31% 3.64%
Bay Equity 79, 0.36% 1.60%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Home Point Financial Corporation 1, -0.21% 3.47%
Plaza Home Mortgage Inc 2, -0.17% 1.77%
Mason-McDuffie Mortgage Corporation 3, -0.14% 1.57%
Caliber Home Loans Inc 4, -0.13% 2.55%
Ditech Financial 5, -0.11% 2.09%
Sierra Pacific Mortgage 6, -0.10% 1.37%
Stearns Lending 7, -0.09% 1.37%
Interactive Mortgage 8, -0.07% 0.78%
Primary Residential Mortgage Inc 9, -0.06% 0.72%
Ark-La-Tex Financial Services 10, -0.05% 0.46%
Country Club Mortgage, INC 11, -0.05% 2.68%
American Financing Corporation 12, -0.05% 0.59%
American Pacific Mortgage Corporation 13, -0.05% 1.50%
Quicken Loans 14, -0.04% 15.04%
Mountain West Financial Inc 15, -0.04% 0.78%
Paramount Residential Mortgage Group Inc 16, -0.04% 0.65%
Finance of America Mortgage 17, -0.04% 0.78%
Flagstar Bank 18, -0.04% 0.92%
Nations Direct Mortgage 19, -0.03% 0.26%
MUFG Union Bank 20, -0.03% 0.46%
Platinum Home Mortgage Corporation 21, -0.03% 0.33%
Keller Mortgage 22, -0.02% 0.13%
Strong Home Mortgage 23, -0.02% 0.20%
Newrez 24, -0.02% 0.85%
Amerifirst Financial Inc 25, -0.02% 0.39%
Guild Mortgage Company 26, -0.02% 1.90%
NBKC Bank 27, -0.02% 0.07%
Citywide Home Loans 28, -0.02% 0.39%
Bbva Usa 29, -0.02% 0.13%
Amerisave Mortgage Corporation 30, -0.02% 0.85%
Provident Funding Associates 31, -0.01% 0.07%
North American Savings Bank 32, -0.01% 0.13%
Us Bank 33, -0.01% 0.26%
Commerce Home Mortgage 34, -0.01% 0.59%
The Golden 1 Credit Union 35, -0.01% 0.07%
Mid Valley Services Inc 36, -0.01% 0.07%
Movement Mortgage 37, -0.01% 0.07%
FirstBank 38, -0.01% 0.07%
Pennymac Loan Services 39, -0.01% 4.77%
Bank Of The West 40, -0.01% 0.20%
Prime Choice Funding Inc 41, -0.01% 0.46%
First Choice Loan Services Inc 42, -0.01% 0.20%
Supreme Lending/ Everett Financial Inc 43, -0.01% 0.07%
Cherry Creek Mortgage Co Inc 44, -0.01% 0.13%
Eagle Home Mortgage 45, -0.00% 0.07%
Resource Lenders Inc 46, -0.00% 0.07%
The Federal Savings Bank 47, -0.00% 0.07%
Kings Mortgage Services Inc 48, -0.00% 1.11%
Essex Mortgage 49, -0.00% 0.07%
Guaranteed Rate Inc 50, 0.00% 0.07%
Network Capital Funding Corporation 51, 0.01% 0.39%
Bay Valley Mortgage Group DBA Pacific Bay Lending Group 52, 0.01% 0.59%
Bank of America 53, 0.01% 0.07%
JG Wentworth Home Lending 54, 0.01% 0.26%
New American Funding 55, 0.01% 1.77%
Fairway Independent Mort Corp 56, 0.02% 0.65%
Monster Loans 57, 0.02% 0.46%
Summit Funding Inc 58, 0.02% 0.39%
LoanDepot 59, 0.02% 3.47%
CMG Mortgage Inc 60, 0.03% 0.72%
Watermark Home Loans 61, 0.03% 0.07%
CashCall Mortgage 62, 0.03% 0.85%
Wells Fargo Bank 63, 0.03% 0.13%
Cardinal Financial Company LP 64, 0.04% 0.33%
Lakeview Loan Servicing 65, 0.04% 3.07%
Golden Empire Mortgage, Inc 66, 0.04% 0.39%
Paramount Equity Mortgage 67, 0.04% 2.42%
Alameda Mortgage Corporation 68, 0.05% 1.50%
Synergy One Lending 69, 0.06% 0.72%
Panorama Mortgage Group 70, 0.07% 0.98%
Carrington Mortgage Services 71, 0.08% 8.37%
AmeriHomeMortgageCompany,LL 72, 0.08% 1.18%
HomeBridge Financial Services, Inc 73, 0.08% 3.47%
Bay Equity 74, 0.09% 0.46%
Freedom Mortgage Corporation 75, 0.12% 5.56%
Nations Lending Corporation 76, 0.13% 0.72%
Nationstar Mortgage 77, 0.13% 7.39%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.13% 29.03%
Bank of America 2, -0.06% 9.38%
Eagle Home Mortgage 3, 0.01% 1.76%
Educational Employees Credit Union 4, 0.01% 3.23%
The Golden 1 Credit Union 5, 0.03% 2.05%
Us Bank 6, 0.04% 4.11%
Bbva Usa 7, 0.04% 4.11%
JPMorgan Chase Bank 8, 0.05% 6.74%
Eagle Home Mortgage of CA 9, 0.05% 0.88%
Citibank 10, 0.05% 0.59%
Platinum Home Mortgage Corporation 11, 0.06% 0.29%
Keller Mortgage 12, 0.06% 0.29%
Finance of America Mortgage 13, 0.06% 1.76%
Mason-McDuffie Mortgage Corporation 14, 0.06% 0.29%
Quicken Loans 15, 0.07% 3.23%
Guaranteed Rate Inc 16, 0.07% 0.29%
Watermark Home Loans 17, 0.07% 0.29%
Bank Of The West 18, 0.07% 0.88%
Navy Federal Credit Union 19, 0.07% 1.17%
Supreme Lending/ Everett Financial Inc 20, 0.08% 0.29%
The Federal Savings Bank 21, 0.08% 0.29%
American Pacific Mortgage Corporation 22, 0.08% 0.59%
Cardinal Financial Company LP 23, 0.08% 0.29%
Panorama Mortgage Group 24, 0.08% 0.29%
Plaza Home Mortgage Inc 25, 0.08% 1.17%
LoanDepot 26, 0.08% 2.35%
Fairway Independent Mort Corp 27, 0.08% 0.88%
Ark-La-Tex Financial Services 28, 0.08% 0.29%
Academy Mortgage Corporation 29, 0.09% 0.29%
New American Funding 30, 0.09% 0.59%
Bay Equity 31, 0.09% 3.52%
Mechanics Bank 32, 0.09% 2.05%
Newrez 33, 0.09% 0.88%
Sierra Pacific Mortgage 34, 0.09% 1.47%
Citywide Home Loans 35, 0.09% 2.64%
Home Point Financial Corporation 36, 0.10% 0.59%
North American Savings Bank 37, 0.10% 0.59%
Kings Mortgage Services Inc 38, 0.10% 0.88%
Amerifirst Financial Inc 39, 0.10% 0.29%
CMG Mortgage Inc 40, 0.10% 0.29%
Mid Valley Services Inc 41, 0.10% 0.29%
Country Club Mortgage, INC 42, 0.10% 1.17%
Resource Lenders Inc 43, 0.10% 0.29%
Flagstar Bank 44, 0.11% 3.81%
Caliber Home Loans Inc 45, 0.12% 1.17%
HomeBridge Financial Services, Inc 46, 0.13% 2.35%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.13% 33.82%
Bank of America 2, -0.08% 10.29%
Eagle Home Mortgage 3, 0.03% 2.94%
The Golden 1 Credit Union 4, 0.03% 2.45%
Citibank 5, 0.07% 0.49%
JPMorgan Chase Bank 6, 0.07% 5.88%
Eagle Home Mortgage of CA 7, 0.07% 1.47%
Educational Employees Credit Union 8, 0.08% 0.98%
Us Bank 9, 0.08% 2.45%
Finance of America Mortgage 10, 0.08% 2.45%
Bbva Usa 11, 0.08% 1.47%
Guaranteed Rate Inc 12, 0.09% 0.49%
Bank Of The West 13, 0.09% 0.98%
Quicken Loans 14, 0.10% 3.43%
Cardinal Financial Company LP 15, 0.10% 0.49%
Panorama Mortgage Group 16, 0.10% 0.49%
Plaza Home Mortgage Inc 17, 0.10% 0.49%
New American Funding 18, 0.10% 0.49%
Navy Federal Credit Union 19, 0.10% 0.98%
Ark-La-Tex Financial Services 20, 0.10% 0.49%
Kings Mortgage Services Inc 21, 0.10% 0.49%
LoanDepot 22, 0.10% 2.94%
Academy Mortgage Corporation 23, 0.11% 0.49%
Mechanics Bank 24, 0.11% 1.47%
American Pacific Mortgage Corporation 25, 0.11% 0.49%
Country Club Mortgage, INC 26, 0.11% 0.49%
Fairway Independent Mort Corp 27, 0.11% 0.98%
Sierra Pacific Mortgage 28, 0.11% 1.96%
Home Point Financial Corporation 29, 0.12% 0.98%
North American Savings Bank 30, 0.12% 0.98%
Amerifirst Financial Inc 31, 0.12% 0.49%
CMG Mortgage Inc 32, 0.12% 0.49%
Mid Valley Services Inc 33, 0.12% 0.49%
Citywide Home Loans 34, 0.12% 2.94%
Flagstar Bank 35, 0.12% 3.92%
Caliber Home Loans Inc 36, 0.12% 0.98%
Newrez 37, 0.13% 0.98%
Bay Equity 38, 0.13% 2.94%
HomeBridge Financial Services, Inc 39, 0.15% 2.45%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.10% 21.90%
Educational Employees Credit Union 2, -0.03% 6.57%
Bank of America 3, -0.02% 8.03%
Us Bank 4, 0.00% 6.57%
Bbva Usa 5, 0.01% 8.03%
JPMorgan Chase Bank 6, 0.02% 8.03%
Quicken Loans 7, 0.02% 2.92%
Platinum Home Mortgage Corporation 8, 0.03% 0.73%
Citibank 9, 0.03% 0.73%
Newrez 10, 0.03% 0.73%
Keller Mortgage 11, 0.03% 0.73%
American Pacific Mortgage Corporation 12, 0.03% 0.73%
Mason-McDuffie Mortgage Corporation 13, 0.04% 0.73%
Fairway Independent Mort Corp 14, 0.04% 0.73%
Navy Federal Credit Union 15, 0.04% 1.46%
Watermark Home Loans 16, 0.04% 0.73%
Bank Of The West 17, 0.04% 0.73%
LoanDepot 18, 0.04% 1.46%
The Golden 1 Credit Union 19, 0.04% 1.46%
Bay Equity 20, 0.04% 4.38%
Supreme Lending/ Everett Financial Inc 21, 0.05% 0.73%
The Federal Savings Bank 22, 0.05% 0.73%
Finance of America Mortgage 23, 0.05% 0.73%
Plaza Home Mortgage Inc 24, 0.05% 2.19%
Citywide Home Loans 25, 0.06% 2.19%
New American Funding 26, 0.06% 0.73%
Mechanics Bank 27, 0.06% 2.92%
Sierra Pacific Mortgage 28, 0.07% 0.73%
Resource Lenders Inc 29, 0.07% 0.73%
Country Club Mortgage, INC 30, 0.07% 2.19%
Kings Mortgage Services Inc 31, 0.08% 1.46%
Flagstar Bank 32, 0.08% 3.65%
Caliber Home Loans Inc 33, 0.10% 1.46%
HomeBridge Financial Services, Inc 34, 0.10% 2.19%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.23% 6.21%
Home Point Financial Corporation 2, -0.15% 5.07%
Pennymac Loan Services 3, -0.12% 5.64%
Eagle Home Mortgage 4, -0.12% 1.14%
LoanDepot 5, -0.11% 4.10%
Caliber Home Loans Inc 6, -0.11% 3.12%
Sovereign Lending Group, Inc 7, -0.11% 1.14%
DHI Mortgage Company Limited 8, -0.08% 1.87%
Lakeview Loan Servicing 9, -0.08% 1.18%
Kings Mortgage Services Inc 10, -0.06% 3.04%
Amerisave Mortgage Corporation 11, -0.06% 0.73%
Plaza Home Mortgage Inc 12, -0.04% 1.22%
CMG Mortgage Inc 13, -0.03% 1.01%
Network Capital Funding Corporation 14, -0.02% 0.41%
Finance of America Mortgage 15, -0.02% 1.70%
FirstBank 16, -0.02% 0.24%
Usaa Federal Savings Bank 17, -0.01% 5.15%
Keller Mortgage 18, -0.01% 0.16%
North American Savings Bank 19, -0.01% 0.61%
Flagstar Bank 20, -0.00% 2.88%
Interactive Mortgage 21, -0.00% 0.08%
Mid Valley Services Inc 22, -0.00% 0.08%
Prime Choice Funding Inc 23, -0.00% 0.57%
Strong Home Mortgage 24, 0.00% 0.08%
Wells Fargo Bank 25, 0.00% 0.89%
Paramount Residential Mortgage Group Inc 26, 0.01% 0.28%
Guaranteed Rate Inc 27, 0.01% 0.20%
Us Bank 28, 0.01% 0.08%
NBKC Bank 29, 0.01% 0.20%
Sierra Pacific Mortgage 30, 0.01% 1.74%
Ditech Financial 31, 0.01% 0.49%
Nations Direct Mortgage 32, 0.01% 0.16%
JG Wentworth Home Lending 33, 0.01% 0.45%
Monster Loans 34, 0.01% 0.24%
Amerifirst Financial Inc 35, 0.01% 0.24%
Fairway Independent Mort Corp 36, 0.01% 0.65%
Mountain West Financial Inc 37, 0.02% 0.24%
Stearns Lending 38, 0.02% 0.93%
Inspire Home Loans Inc 39, 0.02% 0.49%
MUFG Union Bank 40, 0.02% 0.32%
Bbva Usa 41, 0.02% 0.04%
Commerce Home Mortgage 42, 0.02% 1.01%
KBHS Home Loans 43, 0.02% 0.45%
Citywide Home Loans 44, 0.02% 1.54%
Essex Mortgage 45, 0.02% 0.04%
New American Funding 46, 0.02% 1.05%
Bank Of The West 47, 0.02% 0.04%
Bank of America 48, 0.02% 0.04%
CrossCountry Mortgage Inc 49, 0.02% 0.04%
Newrez 50, 0.02% 0.49%
MLD Mortgage Inc 51, 0.02% 0.08%
Summit Funding Inc 52, 0.03% 0.08%
First Choice Loan Services Inc 53, 0.03% 0.12%
JPMorgan Chase Bank 54, 0.03% 0.16%
K Hovnanian American Mortgage 55, 0.03% 0.08%
American Pacific Mortgage Corporation 56, 0.03% 3.20%
American Financing Corporation 57, 0.03% 0.08%
Cardinal Financial Company LP 58, 0.03% 0.28%
Cherry Creek Mortgage Co Inc 59, 0.03% 0.04%
Movement Mortgage 60, 0.04% 0.28%
HomeBridge Financial Services, Inc 61, 0.04% 1.87%
Platinum Home Mortgage Corporation 62, 0.04% 0.28%
Academy Mortgage Corporation 63, 0.04% 0.20%
Guild Mortgage Company 64, 0.05% 0.81%
CashCall Mortgage 65, 0.05% 0.04%
Nations Lending Corporation 66, 0.05% 0.28%
Scenic Oaks Funding 67, 0.05% 0.20%
Primary Residential Mortgage Inc 68, 0.05% 0.16%
Ark-La-Tex Financial Services 69, 0.05% 0.73%
Golden Empire Mortgage, Inc 70, 0.05% 0.20%
Country Club Mortgage, INC 71, 0.06% 5.52%
Eagle Home Mortgage of CA 72, 0.06% 1.54%
Resource Lenders Inc 73, 0.07% 0.24%
Watermark Home Loans 74, 0.07% 0.16%
Paramount Equity Mortgage 75, 0.07% 1.10%
Mason-McDuffie Mortgage Corporation 76, 0.08% 0.73%
Alameda Mortgage Corporation 77, 0.10% 1.70%
Synergy One Lending 78, 0.11% 0.65%
Quicken Loans 79, 0.12% 6.94%
Carrington Mortgage Services 80, 0.14% 2.27%
The Federal Savings Bank 81, 0.15% 1.95%
Freedom Mortgage Corporation 82, 0.15% 3.57%
Panorama Mortgage Group 83, 0.16% 0.81%
Nationstar Mortgage 84, 0.17% 1.10%
Bay Equity 85, 0.19% 0.69%
NewDay USA 86, 0.42% 2.03%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.26% 10.25%
Eagle Home Mortgage 2, -0.11% 2.50%
Kings Mortgage Services Inc 3, -0.08% 5.17%
DHI Mortgage Company Limited 4, -0.07% 4.10%
Home Point Financial Corporation 5, -0.03% 3.92%
CMG Mortgage Inc 6, -0.03% 1.78%
Finance of America Mortgage 7, -0.02% 3.21%
North American Savings Bank 8, -0.01% 0.80%
Newrez 9, -0.00% 0.36%
Keller Mortgage 10, 0.00% 0.36%
Wells Fargo Bank 11, 0.01% 1.78%
Guaranteed Rate Inc 12, 0.01% 0.27%
Paramount Residential Mortgage Group Inc 13, 0.01% 0.18%
Us Bank 14, 0.01% 0.18%
NBKC Bank 15, 0.02% 0.18%
Ditech Financial 16, 0.02% 0.18%
Quicken Loans 17, 0.02% 3.30%
MUFG Union Bank 18, 0.02% 0.36%
Freedom Mortgage Corporation 19, 0.02% 1.60%
Sierra Pacific Mortgage 20, 0.02% 2.85%
Commerce Home Mortgage 21, 0.02% 1.69%
Plaza Home Mortgage Inc 22, 0.02% 0.71%
Stearns Lending 23, 0.02% 1.43%
Inspire Home Loans Inc 24, 0.02% 1.07%
Pennymac Loan Services 25, 0.02% 0.27%
Mountain West Financial Inc 26, 0.03% 0.36%
Bbva Usa 27, 0.03% 0.09%
JG Wentworth Home Lending 28, 0.03% 0.18%
KBHS Home Loans 29, 0.03% 0.98%
Citywide Home Loans 30, 0.03% 3.30%
Essex Mortgage 31, 0.03% 0.09%
Nations Direct Mortgage 32, 0.03% 0.09%
Bank of America 33, 0.03% 0.09%
CrossCountry Mortgage Inc 34, 0.03% 0.09%
Prime Choice Funding Inc 35, 0.03% 0.09%
JPMorgan Chase Bank 36, 0.03% 0.27%
Summit Funding Inc 37, 0.03% 0.18%
Nationstar Mortgage 38, 0.03% 0.09%
Caliber Home Loans Inc 39, 0.04% 1.16%
Synergy One Lending 40, 0.04% 0.27%
K Hovnanian American Mortgage 41, 0.04% 0.18%
Nations Lending Corporation 42, 0.04% 0.09%
Cherry Creek Mortgage Co Inc 43, 0.04% 0.09%
First Choice Loan Services Inc 44, 0.04% 0.18%
MLD Mortgage Inc 45, 0.04% 0.09%
Amerifirst Financial Inc 46, 0.04% 0.18%
Platinum Home Mortgage Corporation 47, 0.05% 0.45%
Movement Mortgage 48, 0.05% 0.53%
LoanDepot 49, 0.05% 0.89%
Cardinal Financial Company LP 50, 0.05% 0.18%
American Pacific Mortgage Corporation 51, 0.05% 4.81%
Country Club Mortgage, INC 52, 0.06% 10.52%
Usaa Federal Savings Bank 53, 0.06% 5.97%
Academy Mortgage Corporation 54, 0.06% 0.36%
HomeBridge Financial Services, Inc 55, 0.06% 1.16%
NewDay USA 56, 0.06% 0.62%
Primary Residential Mortgage Inc 57, 0.06% 0.27%
Golden Empire Mortgage, Inc 58, 0.07% 0.36%
Ark-La-Tex Financial Services 59, 0.07% 0.98%
Eagle Home Mortgage of CA 60, 0.07% 3.39%
Resource Lenders Inc 61, 0.07% 0.53%
Fairway Independent Mort Corp 62, 0.08% 0.53%
Watermark Home Loans 63, 0.08% 0.36%
Scenic Oaks Funding 64, 0.08% 0.27%
Guild Mortgage Company 65, 0.09% 0.80%
Flagstar Bank 66, 0.09% 2.23%
New American Funding 67, 0.09% 0.98%
Mason-McDuffie Mortgage Corporation 68, 0.10% 1.16%
Carrington Mortgage Services 69, 0.11% 0.62%
Alameda Mortgage Corporation 70, 0.11% 2.76%
Panorama Mortgage Group 71, 0.19% 1.52%
Bay Equity 72, 0.24% 1.16%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Home Point Financial Corporation 1, -0.21% 6.03%
Caliber Home Loans Inc 2, -0.14% 4.77%
LoanDepot 3, -0.14% 6.78%
Navy Federal Credit Union 4, -0.14% 2.83%
Pennymac Loan Services 5, -0.13% 10.13%
Sovereign Lending Group, Inc 6, -0.11% 2.08%
Lakeview Loan Servicing 7, -0.09% 2.16%
Usaa Federal Savings Bank 8, -0.08% 4.47%
Amerisave Mortgage Corporation 9, -0.06% 1.34%
Plaza Home Mortgage Inc 10, -0.06% 1.64%
Flagstar Bank 11, -0.06% 3.43%
New American Funding 12, -0.03% 1.12%
Network Capital Funding Corporation 13, -0.03% 0.74%
Fairway Independent Mort Corp 14, -0.02% 0.74%
FirstBank 15, -0.02% 0.45%
Prime Choice Funding Inc 16, -0.01% 0.97%
American Pacific Mortgage Corporation 17, -0.01% 1.86%
CMG Mortgage Inc 18, -0.01% 0.37%
Interactive Mortgage 19, -0.01% 0.15%
Sierra Pacific Mortgage 20, -0.01% 0.82%
Mid Valley Services Inc 21, -0.01% 0.15%
Strong Home Mortgage 22, -0.00% 0.15%
Amerifirst Financial Inc 23, -0.00% 0.30%
Paramount Residential Mortgage Group Inc 24, -0.00% 0.37%
NBKC Bank 25, -0.00% 0.22%
North American Savings Bank 26, -0.00% 0.45%
Nations Direct Mortgage 27, 0.00% 0.22%
Ditech Financial 28, 0.00% 0.74%
Guaranteed Rate Inc 29, 0.00% 0.15%
Finance of America Mortgage 30, 0.00% 0.45%
Scenic Oaks Funding 31, 0.00% 0.15%
JG Wentworth Home Lending 32, 0.00% 0.67%
Mountain West Financial Inc 33, 0.01% 0.15%
Monster Loans 34, 0.01% 0.45%
MLD Mortgage Inc 35, 0.01% 0.07%
First Choice Loan Services Inc 36, 0.01% 0.07%
Stearns Lending 37, 0.01% 0.52%
Guild Mortgage Company 38, 0.01% 0.82%
Kings Mortgage Services Inc 39, 0.01% 1.27%
Bank Of The West 40, 0.01% 0.07%
MUFG Union Bank 41, 0.01% 0.30%
Academy Mortgage Corporation 42, 0.02% 0.07%
Mason-McDuffie Mortgage Corporation 43, 0.02% 0.37%
Cardinal Financial Company LP 44, 0.02% 0.37%
Movement Mortgage 45, 0.02% 0.07%
Primary Residential Mortgage Inc 46, 0.02% 0.07%
Golden Empire Mortgage, Inc 47, 0.02% 0.07%
American Financing Corporation 48, 0.02% 0.15%
Commerce Home Mortgage 49, 0.02% 0.45%
Citywide Home Loans 50, 0.03% 0.07%
JPMorgan Chase Bank 51, 0.03% 0.07%
HomeBridge Financial Services, Inc 52, 0.03% 2.46%
Ark-La-Tex Financial Services 53, 0.03% 0.52%
Newrez 54, 0.03% 0.60%
Panorama Mortgage Group 55, 0.03% 0.22%
Platinum Home Mortgage Corporation 56, 0.03% 0.15%
Wells Fargo Bank 57, 0.04% 0.15%
CashCall Mortgage 58, 0.04% 0.07%
Nations Lending Corporation 59, 0.04% 0.45%
Bay Equity 60, 0.05% 0.30%
Alameda Mortgage Corporation 61, 0.06% 0.82%
Paramount Equity Mortgage 62, 0.07% 2.01%
Country Club Mortgage, INC 63, 0.11% 1.34%
Synergy One Lending 64, 0.12% 0.97%
The Federal Savings Bank 65, 0.14% 3.57%
Carrington Mortgage Services 66, 0.14% 3.65%
Quicken Loans 67, 0.14% 9.98%
Nationstar Mortgage 68, 0.17% 1.94%
Freedom Mortgage Corporation 69, 0.18% 5.21%
NewDay USA 70, 0.47% 3.20%

* Data is compiled for the Fresno, CA commuting zone area, which comprises of counties of Fresno County, CA, Kings County, CA, Madera County, CA, Mariposa County, CA, and Tulare County, CA. This includes cities/towns/communities of Fresno, CA as well as Visalia, CA, Clovis, CA, Tulare, CA, Hanford, CA, Porterville, CA, Madera, CA, Lemoore, CA, Bonadelle Ranchos-Madera Ranchos, CA, Sanger, CA, Sunnyside, CA, Dinuba, CA, Madera Acres, CA, Reedley, CA, Chowchilla, CA, Selma, CA, Kingsburg, CA, Bass Lake, CA, Kerman, CA, Exeter, CA, Yosemite Lakes, CA, Coalinga, CA, Coarsegold, CA, Auberry, CA, Shaver Lake, CA, Fowler, CA, Tarpey Village, CA, Camp Nelson, CA, Midpines, CA, Parksdale, CA, Mayfair, CA, Lindsay, CA, Squaw Valley, CA, Oakhurst, CA, Wilsonia, CA, Corcoran, CA, West Goshen, CA, Greeley Hill, CA, Sultana, CA, Lindcove, CA, Parlier, CA, Bootjack, CA, Old Fig Garden, CA, Grangeville, CA, Linnell Camp, CA, Ivanhoe, CA, Nipinnawasee, CA, Plainview, CA, Catheys Valley, CA, Friant, CA, and Woodlake, CA. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from 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 based on the MSA, 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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