Top Mortgage Lenders in Palm Bay, FL

Which mortgage lender in the Palm Bay, FL 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 Palm Bay, FL 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 Palm Bay, FL area in terms of interest rate is Space Coast Credit Union, with an average “Rate Difference” of -0.32%. This means that, comparing similar borrowers, Space Coast Credit Union provided a -0.32% lower interest rate for its customers than other lenders in the area. Space Coast Credit Union has a market share of 3.5%. On the other hand, the most popular lender in the Palm Bay, FL area is Quicken Loans, with a larger market share of 11.8%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.11% compared to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed ranking of mortgage lenders in the Palm Bay, FL 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 Palm Bay, FL is Space Coast 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 Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Bank of America. The cheapest VA mortgage provider is DHI Mortgage Company Limited. 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 Palm Bay, FL

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
Space Coast Credit Union	-0.32%	(5.0)	3.45%
DHI Mortgage Company Limited	-0.28%	(5.0)	3.49%
Bank of America	-0.20%	(4.5)	1.98%
Trustco Bank	-0.17%	(4.5)	0.37%
PNC Bank	-0.13%	(4.0)	1.72%
US Bank	-0.13%	(4.0)	2.09%
CenterState Bank	-0.11%	(4.0)	1.02%
JPMorgan Chase Bank	-0.11%	(4.0)	3.01%
Valley Bank	-0.11%	(4.0)	0.41%
Guaranteed Rate Affinity	-0.10%	(4.0)	0.74%
Truist Bank	-0.10%	(4.0)	1.06%
Keller Mortgage	-0.09%	(4.0)	0.29%
Pulte Mortgage LLC	-0.09%	(4.0)	0.27%
SunTrust Bank	-0.08%	(4.0)	1.04%
Navy Federal Credit Union	-0.08%	(4.0)	1.96%
Lakeview Loan Servicing	-0.08%	(4.0)	0.76%
Amerisave Mortgage Corporation	-0.08%	(4.0)	0.49%
USAA	-0.07%	(4.0)	2.08%
TD Bank	-0.06%	(4.0)	0.86%
Provident Funding	-0.06%	(4.0)	0.21%
Home Point Financial Corporation	-0.06%	(4.0)	0.45%
Bayshore Mortgage Funding	-0.06%	(4.0)	0.43%
Seacoast National Bank	-0.05%	(3.5)	0.83%
The Mortgage Firm	-0.04%	(3.5)	4.98%
North American Savings Bank	-0.04%	(3.5)	0.22%
PennyMac Loan Services	-0.03%	(3.5)	1.21%
Morgan Financial	-0.03%	(3.5)	2.47%
NewRez	-0.02%	(3.5)	0.54%
Wells Fargo Bank	-0.01%	(3.5)	3.50%
Fifth Third Bank	-0.01%	(3.5)	0.21%
Fairway Independent Mortgage Corporation	-0.00%	(3.5)	0.39%
IBERIABANK	0.00%	(3.5)	0.41%
Group One Mortgage	0.01%	(3.5)	0.31%
Hamilton Group Funding	0.01%	(3.5)	0.59%
Union Home Mortgage	0.01%	(3.5)	0.39%
Cardinal Financial Company	0.01%	(3.5)	0.64%
Caliber Home Loans	0.01%	(3.5)	5.69%
loanDepot	0.01%	(3.5)	4.92%
Bank of England AR	0.02%	(3.5)	0.35%
SWBC Mortgage	0.02%	(3.5)	0.43%
VanDyk Mortgage Corporation	0.02%	(3.5)	0.25%
Christensen Financial Inc	0.02%	(3.5)	1.08%
Guaranteed Rate	0.02%	(3.5)	0.90%
New American Funding	0.04%	(3.5)	0.37%
HomeBridge Financial Services	0.04%	(3.5)	0.94%
Movement Mortgage	0.04%	(3.5)	1.76%
US Mortgage of Florida	0.04%	(3.5)	0.29%
Integrity Mortgage Group	0.04%	(3.5)	0.35%
TIAA Bank	0.05%	(3.5)	0.52%
Synergy One Lending	0.05%	(3.0)	0.31%
KBHS Home Loans	0.05%	(3.0)	0.41%
NVR Mortgage Finance Inc	0.06%	(3.0)	0.21%
Academy Mortgage Corporation Utah	0.06%	(3.0)	1.24%
emmloans	0.07%	(3.0)	0.25%
Freedom Mortgage Corporation	0.07%	(3.0)	1.94%
Carrington Mortgage Services	0.07%	(3.0)	0.74%
FBC Mortgage	0.07%	(3.0)	3.79%
Flagstar Bank	0.08%	(3.0)	1.14%
Equity Prime Mortgage	0.08%	(3.0)	0.25%
The Federal Savings Bank	0.09%	(3.0)	0.29%
Regions Bank	0.11%	(3.0)	0.57%
Community Credit Union Of Florida	0.11%	(3.0)	1.06%
Quicken Loans	0.11%	(3.0)	11.75%
Primary Residential Mortgage Inc	0.12%	(3.0)	1.70%
Embrace Home Loans	0.12%	(3.0)	1.67%
PrimeLending	0.12%	(3.0)	2.47%
PRMG Mortgage	0.12%	(3.0)	0.47%
R P Funding	0.12%	(3.0)	0.78%
Supreme Lending	0.12%	(3.0)	1.54%
Waterstone Mortgage Corporation	0.14%	(3.0)	0.35%
Bay Equity Home Loans	0.16%	(2.5)	0.90%
Finance of America Mortgage	0.16%	(2.5)	1.20%
Mr. Cooper	0.23%	(2.5)	1.64%
NewDay USA	0.54%	(1.0)	0.63%

Lender Name	Rate Difference	Rate Rating	Market Share
DHI Mortgage Company Limited	-0.27%	(5.0)	5.31%
Bank of America	-0.26%	(5.0)	2.08%
Space Coast Credit Union	-0.21%	(4.5)	2.45%
JPMorgan Chase Bank	-0.17%	(4.5)	2.66%
US Bank	-0.14%	(4.0)	2.54%
Trustco Bank	-0.11%	(4.0)	0.27%
Truist Bank	-0.11%	(4.0)	1.20%
Valley Bank	-0.11%	(4.0)	0.58%
TD Bank	-0.11%	(4.0)	0.84%
CenterState Bank	-0.10%	(4.0)	1.12%
Guaranteed Rate Affinity	-0.10%	(4.0)	1.03%
Keller Mortgage	-0.09%	(4.0)	0.42%
PNC Bank	-0.09%	(4.0)	0.98%
Pulte Mortgage LLC	-0.08%	(4.0)	0.41%
SunTrust Bank	-0.08%	(4.0)	0.88%
Wells Fargo Bank	-0.08%	(4.0)	3.69%
Navy Federal Credit Union	-0.07%	(4.0)	2.48%
Lakeview Loan Servicing	-0.07%	(4.0)	0.39%
Home Point Financial Corporation	-0.06%	(4.0)	0.36%
Bayshore Mortgage Funding	-0.06%	(4.0)	0.47%
USAA	-0.04%	(3.5)	2.25%
NewRez	-0.03%	(3.5)	0.22%
The Mortgage Firm	-0.03%	(3.5)	6.32%
North American Savings Bank	-0.03%	(3.5)	0.16%
Freedom Mortgage Corporation	-0.02%	(3.5)	1.74%
Provident Funding	-0.02%	(3.5)	0.15%
Seacoast National Bank	-0.01%	(3.5)	0.84%
Morgan Financial	-0.01%	(3.5)	3.14%
Amerisave Mortgage Corporation	-0.00%	(3.5)	0.12%
IBERIABANK	0.00%	(3.5)	0.54%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	0.48%
Group One Mortgage	0.01%	(3.5)	0.40%
Fifth Third Bank	0.01%	(3.5)	0.20%
Regions Bank	0.02%	(3.5)	0.40%
Cardinal Financial Company	0.02%	(3.5)	0.62%
PennyMac Loan Services	0.03%	(3.5)	0.30%
Union Home Mortgage	0.03%	(3.5)	0.42%
Hamilton Group Funding	0.03%	(3.5)	0.77%
Bank of England AR	0.03%	(3.5)	0.44%
VanDyk Mortgage Corporation	0.03%	(3.5)	0.34%
SWBC Mortgage	0.03%	(3.5)	0.61%
Christensen Financial Inc	0.03%	(3.5)	1.58%
The Federal Savings Bank	0.03%	(3.5)	0.05%
Caliber Home Loans	0.04%	(3.5)	6.45%
Carrington Mortgage Services	0.05%	(3.5)	0.19%
Guaranteed Rate	0.05%	(3.5)	1.08%
Movement Mortgage	0.05%	(3.0)	2.35%
Integrity Mortgage Group	0.06%	(3.0)	0.47%
NewDay USA	0.06%	(3.0)	0.11%
KBHS Home Loans	0.06%	(3.0)	0.63%
US Mortgage of Florida	0.06%	(3.0)	0.35%
NVR Mortgage Finance Inc	0.06%	(3.0)	0.33%
New American Funding	0.07%	(3.0)	0.40%
Synergy One Lending	0.07%	(3.0)	0.14%
HomeBridge Financial Services	0.07%	(3.0)	0.98%
loanDepot	0.07%	(3.0)	4.46%
Academy Mortgage Corporation Utah	0.07%	(3.0)	1.75%
R P Funding	0.07%	(3.0)	0.16%
Mr. Cooper	0.07%	(3.0)	0.49%
TIAA Bank	0.08%	(3.0)	0.51%
emmloans	0.08%	(3.0)	0.31%
Equity Prime Mortgage	0.10%	(3.0)	0.30%
FBC Mortgage	0.10%	(3.0)	5.11%
Quicken Loans	0.11%	(3.0)	5.96%
Flagstar Bank	0.12%	(3.0)	1.01%
PrimeLending	0.14%	(3.0)	3.44%
Primary Residential Mortgage Inc	0.14%	(3.0)	2.22%
Supreme Lending	0.14%	(3.0)	1.87%
Waterstone Mortgage Corporation	0.15%	(2.5)	0.51%
PRMG Mortgage	0.16%	(2.5)	0.61%
Bay Equity Home Loans	0.17%	(2.5)	1.31%
Embrace Home Loans	0.17%	(2.5)	2.01%
Finance of America Mortgage	0.19%	(2.5)	1.48%
Community Credit Union Of Florida	0.30%	(2.0)	0.77%

Lender Name	Rate Difference	Rate Rating	Market Share
Space Coast Credit Union	-0.42%	(5.0)	5.37%
Trustco Bank	-0.23%	(4.5)	0.56%
PNC Bank	-0.17%	(4.5)	3.12%
USAA	-0.15%	(4.0)	1.74%
CenterState Bank	-0.14%	(4.0)	0.81%
Seacoast National Bank	-0.12%	(4.0)	0.81%
FBC Mortgage	-0.11%	(4.0)	1.28%
Navy Federal Credit Union	-0.11%	(4.0)	0.97%
Amerisave Mortgage Corporation	-0.11%	(4.0)	1.18%
Provident Funding	-0.10%	(4.0)	0.33%
Morgan Financial	-0.10%	(4.0)	1.18%
Lakeview Loan Servicing	-0.09%	(4.0)	1.47%
SunTrust Bank	-0.09%	(4.0)	1.34%
US Bank	-0.09%	(4.0)	1.24%
The Mortgage Firm	-0.08%	(4.0)	2.42%
Community Credit Union Of Florida	-0.07%	(4.0)	1.63%
Embrace Home Loans	-0.07%	(4.0)	1.03%
Hamilton Group Funding	-0.07%	(4.0)	0.27%
Bank of America	-0.07%	(4.0)	1.78%
loanDepot	-0.07%	(4.0)	5.79%
Caliber Home Loans	-0.07%	(4.0)	4.24%
Guaranteed Rate Affinity	-0.06%	(4.0)	0.19%
Guaranteed Rate	-0.05%	(4.0)	0.54%
North American Savings Bank	-0.05%	(4.0)	0.33%
Home Point Financial Corporation	-0.05%	(4.0)	0.64%
PennyMac Loan Services	-0.05%	(4.0)	2.94%
Bayshore Mortgage Funding	-0.05%	(3.5)	0.35%
Christensen Financial Inc	-0.05%	(3.5)	0.14%
Fifth Third Bank	-0.05%	(3.5)	0.21%
Truist Bank	-0.04%	(3.5)	0.77%
Academy Mortgage Corporation Utah	-0.04%	(3.5)	0.25%
JPMorgan Chase Bank	-0.03%	(3.5)	3.68%
NewRez	-0.03%	(3.5)	1.14%
PRMG Mortgage	-0.03%	(3.5)	0.21%
Union Home Mortgage	-0.03%	(3.5)	0.35%
Keller Mortgage	-0.03%	(3.5)	0.04%
HomeBridge Financial Services	-0.02%	(3.5)	0.85%
SWBC Mortgage	-0.02%	(3.5)	0.10%
Fairway Independent Mortgage Corporation	-0.02%	(3.5)	0.23%
New American Funding	-0.02%	(3.5)	0.33%
Integrity Mortgage Group	-0.02%	(3.5)	0.12%
TIAA Bank	-0.01%	(3.5)	0.54%
Cardinal Financial Company	-0.01%	(3.5)	0.68%
US Mortgage of Florida	-0.01%	(3.5)	0.17%
Bank of England AR	-0.01%	(3.5)	0.17%
VanDyk Mortgage Corporation	-0.01%	(3.5)	0.08%
Movement Mortgage	-0.01%	(3.5)	0.64%
Valley Bank	-0.00%	(3.5)	0.08%
Bay Equity Home Loans	-0.00%	(3.5)	0.12%
DHI Mortgage Company Limited	0.00%	(3.5)	0.02%
Primary Residential Mortgage Inc	0.00%	(3.5)	0.70%
Flagstar Bank	0.01%	(3.5)	1.39%
Group One Mortgage	0.01%	(3.5)	0.14%
emmloans	0.01%	(3.5)	0.14%
PrimeLending	0.02%	(3.5)	0.64%
IBERIABANK	0.02%	(3.5)	0.15%
Equity Prime Mortgage	0.02%	(3.5)	0.15%
Waterstone Mortgage Corporation	0.02%	(3.5)	0.06%
TD Bank	0.03%	(3.5)	0.89%
Synergy One Lending	0.04%	(3.5)	0.64%
Carrington Mortgage Services	0.06%	(3.0)	1.78%
Supreme Lending	0.08%	(3.0)	0.91%
Finance of America Mortgage	0.08%	(3.0)	0.66%
The Federal Savings Bank	0.09%	(3.0)	0.74%
Quicken Loans	0.11%	(3.0)	22.76%
R P Funding	0.12%	(3.0)	1.94%
Wells Fargo Bank	0.13%	(3.0)	3.14%
Regions Bank	0.17%	(2.5)	0.91%
Freedom Mortgage Corporation	0.19%	(2.5)	2.31%
Mr. Cooper	0.26%	(2.0)	3.84%
NewDay USA	0.59%	(1.0)	1.63%

Lender Name	Rate Difference	Rate Rating	Market Share
Space Coast Credit Union	-0.34%	(5.0)	5.09%
DHI Mortgage Company Limited	-0.31%	(5.0)	2.79%
Bank of America	-0.22%	(4.5)	2.75%
Trustco Bank	-0.17%	(4.5)	0.58%
US Bank	-0.16%	(4.5)	2.43%
Guaranteed Rate Affinity	-0.15%	(4.0)	0.69%
PNC Bank	-0.15%	(4.0)	2.39%
Valley Bank	-0.12%	(4.0)	0.57%
Truist Bank	-0.12%	(4.0)	1.21%
CenterState Bank	-0.12%	(4.0)	1.28%
JPMorgan Chase Bank	-0.12%	(4.0)	4.44%
Keller Mortgage	-0.12%	(4.0)	0.29%
Amerisave Mortgage Corporation	-0.10%	(4.0)	0.58%
SunTrust Bank	-0.10%	(4.0)	1.26%
Pulte Mortgage LLC	-0.10%	(4.0)	0.39%
Bayshore Mortgage Funding	-0.07%	(4.0)	0.42%
USAA	-0.07%	(4.0)	0.84%
TD Bank	-0.06%	(4.0)	1.28%
Provident Funding	-0.06%	(4.0)	0.32%
The Mortgage Firm	-0.05%	(4.0)	5.17%
Seacoast National Bank	-0.05%	(4.0)	1.16%
Bank of England AR	-0.04%	(3.5)	0.25%
Home Point Financial Corporation	-0.04%	(3.5)	0.23%
Morgan Financial	-0.04%	(3.5)	2.43%
loanDepot	-0.03%	(3.5)	4.22%
NewRez	-0.02%	(3.5)	0.53%
Cardinal Financial Company	-0.02%	(3.5)	0.48%
Fairway Independent Mortgage Corporation	-0.01%	(3.5)	0.36%
Fifth Third Bank	-0.01%	(3.5)	0.19%
Wells Fargo Bank	-0.01%	(3.5)	4.78%
Guaranteed Rate	-0.01%	(3.5)	0.78%
Union Home Mortgage	0.01%	(3.5)	0.58%
Christensen Financial Inc	0.01%	(3.5)	1.03%
Group One Mortgage	0.01%	(3.5)	0.28%
New American Funding	0.02%	(3.5)	0.26%
The Federal Savings Bank	0.02%	(3.5)	0.05%
Lakeview Loan Servicing	0.02%	(3.5)	0.25%
Hamilton Group Funding	0.02%	(3.5)	0.66%
North American Savings Bank	0.02%	(3.5)	0.05%
VanDyk Mortgage Corporation	0.02%	(3.5)	0.21%
IBERIABANK	0.02%	(3.5)	0.36%
Synergy One Lending	0.05%	(3.5)	0.27%
SWBC Mortgage	0.05%	(3.0)	0.29%
KBHS Home Loans	0.06%	(3.0)	0.43%
TIAA Bank	0.06%	(3.0)	0.61%
Movement Mortgage	0.06%	(3.0)	1.72%
NVR Mortgage Finance Inc	0.07%	(3.0)	0.27%
PennyMac Loan Services	0.07%	(3.0)	0.54%
Equity Prime Mortgage	0.07%	(3.0)	0.15%
Integrity Mortgage Group	0.07%	(3.0)	0.32%
US Mortgage of Florida	0.07%	(3.0)	0.28%
Academy Mortgage Corporation Utah	0.08%	(3.0)	1.58%
Caliber Home Loans	0.08%	(3.0)	4.81%
HomeBridge Financial Services	0.09%	(3.0)	0.82%
Carrington Mortgage Services	0.09%	(3.0)	0.20%
Primary Residential Mortgage Inc	0.09%	(3.0)	1.78%
emmloans	0.10%	(3.0)	0.20%
FBC Mortgage	0.11%	(3.0)	3.48%
Community Credit Union Of Florida	0.11%	(3.0)	1.63%
PrimeLending	0.11%	(3.0)	2.59%
Regions Bank	0.12%	(3.0)	0.82%
Navy Federal Credit Union	0.12%	(3.0)	1.34%
R P Funding	0.13%	(3.0)	0.89%
Bay Equity Home Loans	0.15%	(3.0)	0.64%
Flagstar Bank	0.15%	(2.5)	1.00%
Quicken Loans	0.16%	(2.5)	12.33%
Waterstone Mortgage Corporation	0.17%	(2.5)	0.42%
PRMG Mortgage	0.17%	(2.5)	0.32%
Finance of America Mortgage	0.17%	(2.5)	1.32%
Embrace Home Loans	0.18%	(2.5)	1.29%
Freedom Mortgage Corporation	0.22%	(2.5)	0.81%
Supreme Lending	0.23%	(2.5)	1.49%
Mr. Cooper	0.28%	(2.0)	1.40%

Lender Name	Rate Difference	Rate Rating	Market Share
DHI Mortgage Company Limited	-0.31%	(5.0)	4.27%
Bank of America	-0.29%	(5.0)	2.85%
Space Coast Credit Union	-0.23%	(4.5)	3.48%
JPMorgan Chase Bank	-0.19%	(4.5)	3.85%
US Bank	-0.17%	(4.5)	2.94%
Guaranteed Rate Affinity	-0.16%	(4.5)	0.92%
Truist Bank	-0.15%	(4.0)	1.38%
Valley Bank	-0.13%	(4.0)	0.84%
Keller Mortgage	-0.12%	(4.0)	0.42%
TD Bank	-0.12%	(4.0)	1.26%
Trustco Bank	-0.12%	(4.0)	0.42%
CenterState Bank	-0.11%	(4.0)	1.31%
SunTrust Bank	-0.11%	(4.0)	0.91%
PNC Bank	-0.11%	(4.0)	1.18%
Pulte Mortgage LLC	-0.09%	(4.0)	0.60%
Wells Fargo Bank	-0.09%	(4.0)	4.85%
Bayshore Mortgage Funding	-0.08%	(4.0)	0.47%
USAA	-0.07%	(4.0)	0.92%
Bank of England AR	-0.05%	(4.0)	0.31%
Home Point Financial Corporation	-0.05%	(4.0)	0.23%
The Mortgage Firm	-0.04%	(3.5)	6.57%
NewRez	-0.03%	(3.5)	0.21%
Morgan Financial	-0.02%	(3.5)	3.16%
Provident Funding	-0.02%	(3.5)	0.24%
Seacoast National Bank	-0.02%	(3.5)	1.17%
Fairway Independent Mortgage Corporation	-0.01%	(3.5)	0.39%
Amerisave Mortgage Corporation	-0.01%	(3.5)	0.13%
loanDepot	-0.01%	(3.5)	4.00%
Cardinal Financial Company	-0.00%	(3.5)	0.39%
Group One Mortgage	0.01%	(3.5)	0.32%
Mr. Cooper	0.02%	(3.5)	0.31%
Guaranteed Rate	0.02%	(3.5)	0.94%
Fifth Third Bank	0.02%	(3.5)	0.18%
Carrington Mortgage Services	0.02%	(3.5)	0.03%
Christensen Financial Inc	0.02%	(3.5)	1.49%
PennyMac Loan Services	0.02%	(3.5)	0.26%
Union Home Mortgage	0.02%	(3.5)	0.61%
IBERIABANK	0.03%	(3.5)	0.44%
VanDyk Mortgage Corporation	0.03%	(3.5)	0.29%
The Federal Savings Bank	0.03%	(3.5)	0.03%
Regions Bank	0.03%	(3.5)	0.52%
New American Funding	0.03%	(3.5)	0.28%
Hamilton Group Funding	0.04%	(3.5)	0.81%
Lakeview Loan Servicing	0.04%	(3.5)	0.16%
North American Savings Bank	0.05%	(3.5)	0.03%
KBHS Home Loans	0.06%	(3.0)	0.66%
NVR Mortgage Finance Inc	0.07%	(3.0)	0.42%
SWBC Mortgage	0.07%	(3.0)	0.39%
Movement Mortgage	0.08%	(3.0)	2.28%
Synergy One Lending	0.08%	(3.0)	0.15%
US Mortgage of Florida	0.08%	(3.0)	0.39%
R P Funding	0.09%	(3.0)	0.19%
Integrity Mortgage Group	0.09%	(3.0)	0.42%
Academy Mortgage Corporation Utah	0.09%	(3.0)	2.25%
TIAA Bank	0.09%	(3.0)	0.61%
Equity Prime Mortgage	0.10%	(3.0)	0.13%
Caliber Home Loans	0.11%	(3.0)	5.76%
HomeBridge Financial Services	0.11%	(3.0)	1.02%
Primary Residential Mortgage Inc	0.11%	(3.0)	2.30%
emmloans	0.11%	(3.0)	0.24%
PrimeLending	0.12%	(3.0)	3.51%
Quicken Loans	0.13%	(3.0)	6.59%
Navy Federal Credit Union	0.15%	(3.0)	1.68%
FBC Mortgage	0.15%	(3.0)	4.58%
Bay Equity Home Loans	0.16%	(2.5)	0.95%
Waterstone Mortgage Corporation	0.18%	(2.5)	0.60%
PRMG Mortgage	0.18%	(2.5)	0.47%
Finance of America Mortgage	0.19%	(2.5)	1.62%
Freedom Mortgage Corporation	0.19%	(2.5)	0.83%
Flagstar Bank	0.21%	(2.5)	0.95%
Embrace Home Loans	0.21%	(2.5)	1.72%
Supreme Lending	0.26%	(2.0)	1.75%
Community Credit Union Of Florida	0.30%	(2.0)	1.18%

Lender Name	Rate Difference	Rate Rating	Market Share
Space Coast Credit Union	-0.42%	(5.0)	8.10%
Trustco Bank	-0.22%	(4.5)	0.87%
PNC Bank	-0.17%	(4.5)	4.64%
CenterState Bank	-0.14%	(4.0)	1.23%
FBC Mortgage	-0.13%	(4.0)	1.45%
The Mortgage Firm	-0.12%	(4.0)	2.56%
Amerisave Mortgage Corporation	-0.12%	(4.0)	1.42%
Seacoast National Bank	-0.12%	(4.0)	1.14%
Morgan Financial	-0.11%	(4.0)	1.08%
Provident Funding	-0.11%	(4.0)	0.45%
US Bank	-0.11%	(4.0)	1.48%
SunTrust Bank	-0.09%	(4.0)	1.93%
loanDepot	-0.08%	(4.0)	4.64%
Guaranteed Rate	-0.08%	(4.0)	0.48%
Hamilton Group Funding	-0.07%	(4.0)	0.39%
Community Credit Union Of Florida	-0.07%	(4.0)	2.47%
USAA	-0.07%	(4.0)	0.69%
Bank of America	-0.07%	(4.0)	2.56%
Fifth Third Bank	-0.06%	(4.0)	0.21%
Guaranteed Rate Affinity	-0.06%	(4.0)	0.27%
Bayshore Mortgage Funding	-0.06%	(4.0)	0.33%
Christensen Financial Inc	-0.05%	(4.0)	0.18%
Truist Bank	-0.05%	(3.5)	0.90%
Cardinal Financial Company	-0.04%	(3.5)	0.66%
Academy Mortgage Corporation Utah	-0.04%	(3.5)	0.33%
JPMorgan Chase Bank	-0.03%	(3.5)	5.54%
Union Home Mortgage	-0.03%	(3.5)	0.51%
New American Funding	-0.02%	(3.5)	0.24%
Integrity Mortgage Group	-0.02%	(3.5)	0.12%
HomeBridge Financial Services	-0.02%	(3.5)	0.45%
SWBC Mortgage	-0.02%	(3.5)	0.12%
Keller Mortgage	-0.02%	(3.5)	0.06%
NewRez	-0.02%	(3.5)	1.11%
Fairway Independent Mortgage Corporation	-0.01%	(3.5)	0.30%
Home Point Financial Corporation	-0.01%	(3.5)	0.24%
Caliber Home Loans	-0.01%	(3.5)	3.04%
Movement Mortgage	-0.01%	(3.5)	0.66%
VanDyk Mortgage Corporation	-0.00%	(3.5)	0.06%
Lakeview Loan Servicing	-0.00%	(3.5)	0.42%
TIAA Bank	-0.00%	(3.5)	0.60%
North American Savings Bank	-0.00%	(3.5)	0.09%
Primary Residential Mortgage Inc	0.00%	(3.5)	0.81%
Embrace Home Loans	0.00%	(3.5)	0.51%
The Federal Savings Bank	0.00%	(3.5)	0.09%
Navy Federal Credit Union	0.01%	(3.5)	0.69%
DHI Mortgage Company Limited	0.01%	(3.5)	0.03%
Bank of England AR	0.01%	(3.5)	0.15%
Valley Bank	0.01%	(3.5)	0.06%
US Mortgage of Florida	0.01%	(3.5)	0.09%
Group One Mortgage	0.01%	(3.5)	0.21%
Bay Equity Home Loans	0.02%	(3.5)	0.06%
Waterstone Mortgage Corporation	0.02%	(3.5)	0.09%
PrimeLending	0.03%	(3.5)	0.87%
IBERIABANK	0.03%	(3.5)	0.21%
emmloans	0.03%	(3.5)	0.12%
Equity Prime Mortgage	0.03%	(3.5)	0.18%
Synergy One Lending	0.03%	(3.5)	0.51%
PRMG Mortgage	0.03%	(3.5)	0.03%
TD Bank	0.03%	(3.5)	1.33%
Flagstar Bank	0.06%	(3.0)	1.08%
PennyMac Loan Services	0.08%	(3.0)	1.05%
Carrington Mortgage Services	0.09%	(3.0)	0.51%
Finance of America Mortgage	0.12%	(3.0)	0.75%
R P Funding	0.13%	(3.0)	2.20%
Supreme Lending	0.14%	(3.0)	1.02%
Wells Fargo Bank	0.14%	(3.0)	4.64%
Quicken Loans	0.18%	(2.5)	23.01%
Regions Bank	0.18%	(2.5)	1.39%
Freedom Mortgage Corporation	0.27%	(2.0)	0.78%
Mr. Cooper	0.32%	(2.0)	3.43%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.24%	(4.5)	0.61%
DHI Mortgage Company Limited	-0.22%	(4.5)	4.13%
CenterState Bank	-0.15%	(4.5)	0.68%
Lakeview Loan Servicing	-0.11%	(4.0)	1.74%
PNC Bank	-0.10%	(4.0)	0.46%
Freedom Mortgage Corporation	-0.09%	(4.0)	4.44%
NewRez	-0.08%	(4.0)	0.68%
Home Point Financial Corporation	-0.08%	(4.0)	0.80%
Supreme Lending	-0.08%	(4.0)	2.62%
Space Coast Credit Union	-0.07%	(4.0)	0.38%
Keller Mortgage	-0.07%	(4.0)	0.23%
Caliber Home Loans	-0.07%	(4.0)	9.67%
Academy Mortgage Corporation Utah	-0.06%	(4.0)	0.61%
US Bank	-0.06%	(4.0)	0.91%
Regions Bank	-0.06%	(4.0)	0.19%
Quicken Loans	-0.06%	(4.0)	13.05%
Navy Federal Credit Union	-0.05%	(3.5)	0.15%
Movement Mortgage	-0.05%	(3.5)	2.09%
Flagstar Bank	-0.05%	(3.5)	1.18%
IBERIABANK	-0.04%	(3.5)	0.76%
Guaranteed Rate Affinity	-0.03%	(3.5)	0.72%
Carrington Mortgage Services	-0.02%	(3.5)	1.63%
Truist Bank	-0.02%	(3.5)	0.15%
SWBC Mortgage	-0.02%	(3.5)	1.18%
Hamilton Group Funding	-0.02%	(3.5)	0.57%
HomeBridge Financial Services	-0.02%	(3.5)	1.59%
SunTrust Bank	-0.01%	(3.5)	0.19%
The Mortgage Firm	-0.01%	(3.5)	8.30%
Fifth Third Bank	-0.01%	(3.5)	0.08%
Valley Bank	-0.01%	(3.5)	0.19%
Group One Mortgage	-0.01%	(3.5)	0.61%
Bayshore Mortgage Funding	-0.01%	(3.5)	0.46%
Amerisave Mortgage Corporation	-0.01%	(3.5)	0.27%
TD Bank	-0.00%	(3.5)	0.04%
TIAA Bank	-0.00%	(3.5)	0.49%
Provident Funding	-0.00%	(3.5)	0.04%
PennyMac Loan Services	-0.00%	(3.5)	1.21%
US Mortgage of Florida	-0.00%	(3.5)	0.27%
Integrity Mortgage Group	0.00%	(3.5)	0.68%
North American Savings Bank	0.00%	(3.5)	0.08%
Seacoast National Bank	0.00%	(3.5)	0.15%
Pulte Mortgage LLC	0.00%	(3.5)	0.04%
NVR Mortgage Finance Inc	0.01%	(3.5)	0.15%
VanDyk Mortgage Corporation	0.02%	(3.5)	0.42%
The Federal Savings Bank	0.02%	(3.5)	0.08%
Synergy One Lending	0.02%	(3.5)	0.34%
KBHS Home Loans	0.02%	(3.5)	0.27%
NewDay USA	0.02%	(3.5)	0.04%
Wells Fargo Bank	0.02%	(3.5)	0.11%
FBC Mortgage	0.02%	(3.5)	5.20%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	0.57%
Christensen Financial Inc	0.03%	(3.5)	1.44%
Union Home Mortgage	0.03%	(3.5)	0.11%
JPMorgan Chase Bank	0.03%	(3.5)	0.04%
Cardinal Financial Company	0.04%	(3.5)	1.44%
emmloans	0.04%	(3.5)	0.49%
Waterstone Mortgage Corporation	0.06%	(3.0)	0.34%
New American Funding	0.08%	(3.0)	0.68%
Guaranteed Rate	0.08%	(3.0)	1.33%
Equity Prime Mortgage	0.09%	(3.0)	0.80%
Bank of England AR	0.10%	(3.0)	0.72%
PRMG Mortgage	0.11%	(3.0)	1.10%
Embrace Home Loans	0.11%	(3.0)	2.84%
PrimeLending	0.14%	(3.0)	3.15%
Bay Equity Home Loans	0.17%	(2.5)	2.35%
loanDepot	0.17%	(2.5)	5.57%
Mr. Cooper	0.20%	(2.5)	3.03%
Finance of America Mortgage	0.21%	(2.5)	1.25%
Primary Residential Mortgage Inc	0.21%	(2.5)	1.86%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.24%	(4.5)	0.82%
DHI Mortgage Company Limited	-0.22%	(4.5)	5.58%
Freedom Mortgage Corporation	-0.18%	(4.5)	4.15%
Lakeview Loan Servicing	-0.16%	(4.5)	1.18%
CenterState Bank	-0.15%	(4.5)	0.92%
Home Point Financial Corporation	-0.11%	(4.0)	0.72%
PNC Bank	-0.10%	(4.0)	0.61%
Supreme Lending	-0.09%	(4.0)	2.97%
US Bank	-0.08%	(4.0)	0.92%
NewRez	-0.07%	(4.0)	0.26%
Caliber Home Loans	-0.07%	(4.0)	10.09%
Space Coast Credit Union	-0.07%	(4.0)	0.51%
Keller Mortgage	-0.07%	(4.0)	0.31%
Academy Mortgage Corporation Utah	-0.07%	(4.0)	0.82%
Regions Bank	-0.06%	(4.0)	0.26%
Flagstar Bank	-0.05%	(4.0)	1.23%
Movement Mortgage	-0.05%	(4.0)	2.66%
Navy Federal Credit Union	-0.05%	(4.0)	0.20%
IBERIABANK	-0.04%	(3.5)	0.97%
HomeBridge Financial Services	-0.03%	(3.5)	1.38%
SunTrust Bank	-0.03%	(3.5)	0.15%
Guaranteed Rate Affinity	-0.03%	(3.5)	0.97%
The Mortgage Firm	-0.03%	(3.5)	9.52%
Hamilton Group Funding	-0.02%	(3.5)	0.72%
Quicken Loans	-0.02%	(3.5)	5.48%
Truist Bank	-0.02%	(3.5)	0.20%
SWBC Mortgage	-0.02%	(3.5)	1.59%
Valley Bank	-0.02%	(3.5)	0.20%
Fifth Third Bank	-0.02%	(3.5)	0.10%
Bayshore Mortgage Funding	-0.02%	(3.5)	0.51%
Group One Mortgage	-0.01%	(3.5)	0.82%
Amerisave Mortgage Corporation	-0.01%	(3.5)	0.05%
TD Bank	-0.01%	(3.5)	0.05%
Integrity Mortgage Group	-0.00%	(3.5)	0.87%
North American Savings Bank	0.00%	(3.5)	0.10%
Seacoast National Bank	0.00%	(3.5)	0.20%
Pulte Mortgage LLC	0.00%	(3.5)	0.05%
NVR Mortgage Finance Inc	0.00%	(3.5)	0.20%
Carrington Mortgage Services	0.00%	(3.5)	0.61%
US Mortgage of Florida	0.01%	(3.5)	0.20%
PennyMac Loan Services	0.01%	(3.5)	0.15%
TIAA Bank	0.01%	(3.5)	0.36%
VanDyk Mortgage Corporation	0.01%	(3.5)	0.51%
KBHS Home Loans	0.02%	(3.5)	0.36%
Wells Fargo Bank	0.02%	(3.5)	0.15%
FBC Mortgage	0.02%	(3.5)	6.76%
Cardinal Financial Company	0.02%	(3.5)	1.54%
Synergy One Lending	0.03%	(3.5)	0.15%
Christensen Financial Inc	0.03%	(3.5)	1.95%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	0.67%
The Federal Savings Bank	0.03%	(3.5)	0.05%
Union Home Mortgage	0.04%	(3.5)	0.10%
emmloans	0.04%	(3.5)	0.56%
Waterstone Mortgage Corporation	0.06%	(3.0)	0.46%
New American Funding	0.09%	(3.0)	0.77%
Guaranteed Rate	0.09%	(3.0)	1.64%
Equity Prime Mortgage	0.09%	(3.0)	0.97%
Bank of England AR	0.11%	(3.0)	0.92%
Mr. Cooper	0.11%	(3.0)	0.97%
PRMG Mortgage	0.12%	(3.0)	1.28%
Embrace Home Loans	0.12%	(3.0)	3.33%
PrimeLending	0.15%	(3.0)	4.10%
Bay Equity Home Loans	0.17%	(2.5)	3.02%
loanDepot	0.20%	(2.5)	6.04%
Primary Residential Mortgage Inc	0.22%	(2.5)	2.41%
Finance of America Mortgage	0.22%	(2.5)	1.59%

Lender Name	Rate Difference	Rate Rating	Market Share
NewRez	-0.08%	(4.0)	1.90%
Quicken Loans	-0.07%	(4.0)	34.65%
Lakeview Loan Servicing	-0.05%	(4.0)	3.36%
Supreme Lending	-0.05%	(4.0)	1.61%
Caliber Home Loans	-0.05%	(3.5)	8.48%
Flagstar Bank	-0.03%	(3.5)	1.02%
US Bank	-0.03%	(3.5)	0.88%
Carrington Mortgage Services	-0.03%	(3.5)	4.53%
TIAA Bank	-0.02%	(3.5)	0.88%
Home Point Financial Corporation	-0.02%	(3.5)	1.02%
US Mortgage of Florida	-0.01%	(3.5)	0.44%
Movement Mortgage	-0.01%	(3.5)	0.44%
Amerisave Mortgage Corporation	-0.00%	(3.5)	0.88%
FBC Mortgage	-0.00%	(3.5)	0.73%
PennyMac Loan Services	0.00%	(3.5)	4.24%
Bank of England AR	0.00%	(3.5)	0.15%
IBERIABANK	0.00%	(3.5)	0.15%
Provident Funding	0.00%	(3.5)	0.15%
Fairway Independent Mortgage Corporation	0.00%	(3.5)	0.29%
Bay Equity Home Loans	0.00%	(3.5)	0.44%
Bayshore Mortgage Funding	0.01%	(3.5)	0.29%
Valley Bank	0.01%	(3.5)	0.15%
The Federal Savings Bank	0.01%	(3.5)	0.15%
Hamilton Group Funding	0.01%	(3.5)	0.15%
emmloans	0.01%	(3.5)	0.29%
PRMG Mortgage	0.01%	(3.5)	0.58%
SunTrust Bank	0.01%	(3.5)	0.29%
Equity Prime Mortgage	0.01%	(3.5)	0.29%
Union Home Mortgage	0.01%	(3.5)	0.15%
PrimeLending	0.01%	(3.5)	0.44%
HomeBridge Financial Services	0.01%	(3.5)	2.19%
Guaranteed Rate	0.02%	(3.5)	0.44%
VanDyk Mortgage Corporation	0.02%	(3.5)	0.15%
Primary Residential Mortgage Inc	0.02%	(3.5)	0.29%
Synergy One Lending	0.02%	(3.5)	0.88%
NewDay USA	0.03%	(3.5)	0.15%
Integrity Mortgage Group	0.03%	(3.5)	0.15%
Finance of America Mortgage	0.03%	(3.5)	0.29%
Embrace Home Loans	0.03%	(3.5)	1.46%
JPMorgan Chase Bank	0.04%	(3.5)	0.15%
The Mortgage Firm	0.04%	(3.5)	4.82%
New American Funding	0.05%	(3.5)	0.44%
loanDepot	0.06%	(3.0)	4.24%
Cardinal Financial Company	0.08%	(3.0)	1.17%
Freedom Mortgage Corporation	0.12%	(3.0)	5.26%
Mr. Cooper	0.23%	(2.5)	8.92%

Lender Name	Rate Difference	Rate Rating	Market Share
Wells Fargo Bank	-0.05%	(4.0)	13.08%
SunTrust Bank	-0.03%	(3.5)	8.44%
Truist Bank	-0.02%	(3.5)	9.28%
US Bank	-0.01%	(3.5)	10.97%
Bank of America	-0.01%	(3.5)	6.75%
Space Coast Credit Union	-0.00%	(3.5)	2.95%
Fifth Third Bank	0.00%	(3.5)	3.38%
TD Bank	0.00%	(3.5)	1.69%
JPMorgan Chase Bank	0.01%	(3.5)	10.13%
Valley Bank	0.01%	(3.5)	0.42%
Regions Bank	0.02%	(3.5)	0.42%
Embrace Home Loans	0.02%	(3.5)	0.84%
Morgan Financial	0.02%	(3.5)	0.42%
Academy Mortgage Corporation Utah	0.02%	(3.5)	0.84%
Keller Mortgage	0.02%	(3.5)	0.42%
Cardinal Financial Company	0.02%	(3.5)	0.42%
The Mortgage Firm	0.02%	(3.5)	2.53%
TIAA Bank	0.02%	(3.5)	0.42%
PNC Bank	0.02%	(3.5)	2.95%
Provident Funding	0.02%	(3.5)	0.42%
PrimeLending	0.03%	(3.5)	0.42%
North American Savings Bank	0.03%	(3.5)	0.42%
Hamilton Group Funding	0.03%	(3.5)	0.42%
Guaranteed Rate	0.03%	(3.5)	0.42%
Seacoast National Bank	0.03%	(3.5)	1.27%
CenterState Bank	0.03%	(3.5)	3.38%
emmloans	0.03%	(3.5)	0.42%
Christensen Financial Inc	0.03%	(3.5)	0.42%
Primary Residential Mortgage Inc	0.04%	(3.5)	1.69%
USAA	0.04%	(3.5)	0.42%
Community Credit Union Of Florida	0.04%	(3.5)	0.42%
Quicken Loans	0.04%	(3.5)	3.38%
Navy Federal Credit Union	0.04%	(3.5)	2.53%
loanDepot	0.04%	(3.5)	2.95%
Finance of America Mortgage	0.04%	(3.5)	0.84%
Flagstar Bank	0.05%	(3.5)	1.27%
Caliber Home Loans	0.06%	(3.0)	2.53%

Lender Name	Rate Difference	Rate Rating	Market Share
Wells Fargo Bank	-0.06%	(4.0)	14.86%
SunTrust Bank	-0.03%	(3.5)	10.29%
Truist Bank	-0.02%	(3.5)	9.14%
US Bank	-0.02%	(3.5)	10.86%
Space Coast Credit Union	-0.00%	(3.5)	2.29%
Bank of America	0.00%	(3.5)	5.14%
Fifth Third Bank	0.01%	(3.5)	2.86%
TD Bank	0.01%	(3.5)	1.14%
JPMorgan Chase Bank	0.01%	(3.5)	10.86%
PNC Bank	0.02%	(3.5)	1.71%
Regions Bank	0.02%	(3.5)	0.57%
Academy Mortgage Corporation Utah	0.02%	(3.5)	0.57%
Embrace Home Loans	0.02%	(3.5)	1.14%
Morgan Financial	0.03%	(3.5)	0.57%
Keller Mortgage	0.03%	(3.5)	0.57%
Cardinal Financial Company	0.03%	(3.5)	0.57%
The Mortgage Firm	0.03%	(3.5)	2.86%
TIAA Bank	0.03%	(3.5)	0.57%
PrimeLending	0.03%	(3.5)	0.57%
North American Savings Bank	0.03%	(3.5)	0.57%
Hamilton Group Funding	0.03%	(3.5)	0.57%
Guaranteed Rate	0.03%	(3.5)	0.57%
Seacoast National Bank	0.04%	(3.5)	1.14%
emmloans	0.04%	(3.5)	0.57%
CenterState Bank	0.04%	(3.5)	4.00%
Quicken Loans	0.04%	(3.5)	1.71%
Primary Residential Mortgage Inc	0.04%	(3.5)	1.14%
USAA	0.05%	(3.5)	0.57%
Community Credit Union Of Florida	0.05%	(3.5)	0.57%
Navy Federal Credit Union	0.05%	(3.5)	3.43%
Finance of America Mortgage	0.05%	(3.0)	1.14%
loanDepot	0.06%	(3.0)	2.86%
Flagstar Bank	0.07%	(3.0)	1.14%
Caliber Home Loans	0.07%	(3.0)	2.86%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.02%	(3.5)	11.29%
Fifth Third Bank	-0.02%	(3.5)	4.84%
Wells Fargo Bank	-0.01%	(3.5)	8.06%
TD Bank	-0.01%	(3.5)	3.23%
Space Coast Credit Union	-0.01%	(3.5)	4.84%
Truist Bank	-0.01%	(3.5)	9.68%
loanDepot	-0.00%	(3.5)	3.23%
Valley Bank	-0.00%	(3.5)	1.61%
Flagstar Bank	-0.00%	(3.5)	1.61%
SunTrust Bank	-0.00%	(3.5)	3.23%
CenterState Bank	0.00%	(3.5)	1.61%
US Bank	0.00%	(3.5)	11.29%
Seacoast National Bank	0.00%	(3.5)	1.61%
Academy Mortgage Corporation Utah	0.01%	(3.5)	1.61%
Provident Funding	0.01%	(3.5)	1.61%
The Mortgage Firm	0.01%	(3.5)	1.61%
PNC Bank	0.01%	(3.5)	6.45%
Christensen Financial Inc	0.02%	(3.5)	1.61%
Primary Residential Mortgage Inc	0.02%	(3.5)	3.23%
JPMorgan Chase Bank	0.02%	(3.5)	8.06%
Caliber Home Loans	0.02%	(3.5)	1.61%
Quicken Loans	0.03%	(3.5)	8.06%

Lender Name	Rate Difference	Rate Rating	Market Share
DHI Mortgage Company Limited	-0.26%	(5.0)	5.71%
Navy Federal Credit Union	-0.25%	(5.0)	6.02%
Lakeview Loan Servicing	-0.11%	(4.0)	1.70%
PennyMac Loan Services	-0.09%	(4.0)	3.78%
Caliber Home Loans	-0.08%	(4.0)	5.13%
USAA	-0.07%	(4.0)	8.88%
US Bank	-0.07%	(4.0)	1.24%
North American Savings Bank	-0.05%	(4.0)	0.96%
Home Point Financial Corporation	-0.05%	(4.0)	0.96%
Bayshore Mortgage Funding	-0.04%	(3.5)	0.46%
Keller Mortgage	-0.04%	(3.5)	0.31%
Guaranteed Rate Affinity	-0.04%	(3.5)	1.00%
SunTrust Bank	-0.03%	(3.5)	0.39%
Truist Bank	-0.03%	(3.5)	0.66%
HomeBridge Financial Services	-0.02%	(3.5)	0.77%
Hamilton Group Funding	-0.02%	(3.5)	0.39%
CenterState Bank	-0.02%	(3.5)	0.15%
Seacoast National Bank	-0.02%	(3.5)	0.27%
Space Coast Credit Union	-0.02%	(3.5)	0.62%
Embrace Home Loans	-0.02%	(3.5)	1.93%
Morgan Financial	-0.02%	(3.5)	5.29%
IBERIABANK	-0.01%	(3.5)	0.27%
loanDepot	-0.01%	(3.5)	6.99%
Amerisave Mortgage Corporation	-0.01%	(3.5)	0.42%
Bank of America	-0.01%	(3.5)	0.12%
US Mortgage of Florida	-0.00%	(3.5)	0.35%
Flagstar Bank	-0.00%	(3.5)	1.62%
Pulte Mortgage LLC	-0.00%	(3.5)	0.08%
FBC Mortgage	0.00%	(3.5)	3.82%
Bank of England AR	0.00%	(3.5)	0.35%
Fairway Independent Mortgage Corporation	0.00%	(3.5)	0.39%
Community Credit Union Of Florida	0.01%	(3.5)	0.12%
The Mortgage Firm	0.01%	(3.5)	1.12%
Valley Bank	0.01%	(3.5)	0.04%
PNC Bank	0.01%	(3.5)	0.42%
Fifth Third Bank	0.01%	(3.5)	0.12%
Equity Prime Mortgage	0.01%	(3.5)	0.08%
Regions Bank	0.01%	(3.5)	0.08%
Union Home Mortgage	0.02%	(3.5)	0.04%
Wells Fargo Bank	0.02%	(3.5)	1.39%
Academy Mortgage Corporation Utah	0.02%	(3.5)	0.66%
TIAA Bank	0.02%	(3.5)	0.23%
TD Bank	0.02%	(3.5)	0.04%
emmloans	0.02%	(3.5)	0.15%
Group One Mortgage	0.02%	(3.5)	0.12%
VanDyk Mortgage Corporation	0.02%	(3.5)	0.23%
New American Funding	0.03%	(3.5)	0.50%
Guaranteed Rate	0.03%	(3.5)	0.93%
NVR Mortgage Finance Inc	0.03%	(3.5)	0.08%
Integrity Mortgage Group	0.03%	(3.5)	0.15%
Finance of America Mortgage	0.03%	(3.5)	0.73%
NewRez	0.03%	(3.5)	0.50%
PRMG Mortgage	0.04%	(3.5)	0.46%
Cardinal Financial Company	0.04%	(3.5)	0.42%
Waterstone Mortgage Corporation	0.04%	(3.5)	0.15%
JPMorgan Chase Bank	0.04%	(3.5)	0.15%
Christensen Financial Inc	0.05%	(3.0)	0.96%
SWBC Mortgage	0.06%	(3.0)	0.23%
KBHS Home Loans	0.06%	(3.0)	0.54%
Movement Mortgage	0.07%	(3.0)	1.74%
Supreme Lending	0.08%	(3.0)	0.73%
Synergy One Lending	0.08%	(3.0)	0.46%
Primary Residential Mortgage Inc	0.10%	(3.0)	1.24%
R P Funding	0.11%	(3.0)	1.20%
The Federal Savings Bank	0.11%	(3.0)	1.39%
Mr. Cooper	0.12%	(3.0)	1.27%
Quicken Loans	0.12%	(3.0)	9.11%
Bay Equity Home Loans	0.13%	(3.0)	0.42%
Freedom Mortgage Corporation	0.13%	(3.0)	3.71%
Carrington Mortgage Services	0.14%	(3.0)	1.89%
PrimeLending	0.14%	(3.0)	1.54%
NewDay USA	0.54%	(1.0)	3.63%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.24%	(4.5)	8.63%
DHI Mortgage Company Limited	-0.23%	(4.5)	9.90%
US Bank	-0.04%	(3.5)	2.01%
North American Savings Bank	-0.03%	(3.5)	0.74%
Bayshore Mortgage Funding	-0.02%	(3.5)	0.47%
Truist Bank	-0.01%	(3.5)	0.87%
SunTrust Bank	-0.01%	(3.5)	0.60%
Keller Mortgage	-0.01%	(3.5)	0.54%
Guaranteed Rate Affinity	-0.01%	(3.5)	1.67%
USAA	-0.01%	(3.5)	10.90%
Caliber Home Loans	0.00%	(3.5)	4.95%
Space Coast Credit Union	0.01%	(3.5)	0.74%
Hamilton Group Funding	0.01%	(3.5)	0.67%
CenterState Bank	0.01%	(3.5)	0.27%
Home Point Financial Corporation	0.01%	(3.5)	0.47%
Seacoast National Bank	0.01%	(3.5)	0.27%
IBERIABANK	0.02%	(3.5)	0.47%
Morgan Financial	0.02%	(3.5)	7.49%
Bank of America	0.03%	(3.5)	0.20%
US Mortgage of Florida	0.03%	(3.5)	0.40%
Amerisave Mortgage Corporation	0.03%	(3.5)	0.20%
HomeBridge Financial Services	0.03%	(3.5)	0.40%
Freedom Mortgage Corporation	0.03%	(3.5)	2.61%
Pulte Mortgage LLC	0.03%	(3.5)	0.13%
Community Credit Union Of Florida	0.03%	(3.5)	0.07%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	0.67%
Fifth Third Bank	0.04%	(3.5)	0.13%
R P Funding	0.04%	(3.5)	0.27%
FBC Mortgage	0.04%	(3.5)	5.75%
Valley Bank	0.04%	(3.5)	0.07%
PNC Bank	0.04%	(3.5)	0.54%
NewRez	0.04%	(3.5)	0.27%
Bank of England AR	0.04%	(3.5)	0.40%
Equity Prime Mortgage	0.04%	(3.5)	0.13%
Wells Fargo Bank	0.05%	(3.5)	2.21%
The Mortgage Firm	0.05%	(3.5)	1.54%
Union Home Mortgage	0.05%	(3.5)	0.07%
Academy Mortgage Corporation Utah	0.05%	(3.5)	1.07%
TD Bank	0.05%	(3.0)	0.07%
PennyMac Loan Services	0.05%	(3.0)	0.67%
The Federal Savings Bank	0.05%	(3.0)	0.13%
Regions Bank	0.05%	(3.0)	0.07%
Group One Mortgage	0.05%	(3.0)	0.20%
TIAA Bank	0.06%	(3.0)	0.27%
emmloans	0.06%	(3.0)	0.20%
VanDyk Mortgage Corporation	0.06%	(3.0)	0.33%
NVR Mortgage Finance Inc	0.06%	(3.0)	0.13%
Integrity Mortgage Group	0.07%	(3.0)	0.20%
Finance of America Mortgage	0.07%	(3.0)	0.80%
Cardinal Financial Company	0.07%	(3.0)	0.40%
Waterstone Mortgage Corporation	0.07%	(3.0)	0.27%
JPMorgan Chase Bank	0.07%	(3.0)	0.27%
Flagstar Bank	0.08%	(3.0)	0.94%
Guaranteed Rate	0.08%	(3.0)	1.00%
Lakeview Loan Servicing	0.08%	(3.0)	0.33%
Synergy One Lending	0.08%	(3.0)	0.13%
Christensen Financial Inc	0.08%	(3.0)	1.67%
NewDay USA	0.08%	(3.0)	0.74%
New American Funding	0.09%	(3.0)	0.47%
KBHS Home Loans	0.09%	(3.0)	0.94%
SWBC Mortgage	0.10%	(3.0)	0.33%
Movement Mortgage	0.11%	(3.0)	2.47%
Mr. Cooper	0.11%	(3.0)	0.67%
Supreme Lending	0.11%	(3.0)	1.14%
loanDepot	0.12%	(3.0)	4.48%
Primary Residential Mortgage Inc	0.13%	(3.0)	1.81%
PRMG Mortgage	0.15%	(3.0)	0.40%
Embrace Home Loans	0.15%	(3.0)	1.61%
Carrington Mortgage Services	0.15%	(2.5)	0.33%
Quicken Loans	0.15%	(2.5)	4.48%
Bay Equity Home Loans	0.17%	(2.5)	0.67%
PrimeLending	0.17%	(2.5)	2.61%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.23%	(4.5)	2.46%
USAA	-0.20%	(4.5)	6.11%
Caliber Home Loans	-0.19%	(4.5)	5.38%
Embrace Home Loans	-0.18%	(4.5)	2.37%
Lakeview Loan Servicing	-0.17%	(4.5)	3.56%
PennyMac Loan Services	-0.15%	(4.0)	8.03%
Home Point Financial Corporation	-0.11%	(4.0)	1.64%
loanDepot	-0.11%	(4.0)	10.40%
North American Savings Bank	-0.09%	(4.0)	1.28%
Morgan Financial	-0.09%	(4.0)	2.28%
PRMG Mortgage	-0.09%	(4.0)	0.55%
FBC Mortgage	-0.08%	(4.0)	1.19%
HomeBridge Financial Services	-0.07%	(4.0)	1.28%
The Mortgage Firm	-0.07%	(4.0)	0.55%
Flagstar Bank	-0.07%	(4.0)	2.55%
Bayshore Mortgage Funding	-0.07%	(4.0)	0.46%
Seacoast National Bank	-0.07%	(4.0)	0.27%
New American Funding	-0.06%	(4.0)	0.55%
Bank of England AR	-0.06%	(4.0)	0.27%
Space Coast Credit Union	-0.06%	(4.0)	0.46%
Amerisave Mortgage Corporation	-0.05%	(3.5)	0.73%
Guaranteed Rate Affinity	-0.05%	(3.5)	0.09%
PrimeLending	-0.04%	(3.5)	0.09%
Guaranteed Rate	-0.04%	(3.5)	0.82%
VanDyk Mortgage Corporation	-0.04%	(3.5)	0.09%
TIAA Bank	-0.04%	(3.5)	0.18%
Truist Bank	-0.04%	(3.5)	0.36%
Regions Bank	-0.04%	(3.5)	0.09%
US Mortgage of Florida	-0.04%	(3.5)	0.27%
emmloans	-0.04%	(3.5)	0.09%
SWBC Mortgage	-0.03%	(3.5)	0.09%
SunTrust Bank	-0.03%	(3.5)	0.09%
Academy Mortgage Corporation Utah	-0.03%	(3.5)	0.09%
Community Credit Union Of Florida	-0.03%	(3.5)	0.18%
PNC Bank	-0.03%	(3.5)	0.27%
Bay Equity Home Loans	-0.03%	(3.5)	0.09%
Fifth Third Bank	-0.03%	(3.5)	0.09%
US Bank	-0.03%	(3.5)	0.18%
Integrity Mortgage Group	-0.03%	(3.5)	0.09%
Finance of America Mortgage	-0.02%	(3.5)	0.64%
Supreme Lending	-0.01%	(3.5)	0.18%
Movement Mortgage	-0.01%	(3.5)	0.73%
Cardinal Financial Company	-0.01%	(3.5)	0.46%
Wells Fargo Bank	-0.01%	(3.5)	0.27%
NewRez	-0.00%	(3.5)	0.82%
Primary Residential Mortgage Inc	0.01%	(3.5)	0.46%
Synergy One Lending	0.04%	(3.5)	0.91%
The Federal Savings Bank	0.07%	(3.0)	3.10%
Quicken Loans	0.07%	(3.0)	15.42%
R P Funding	0.08%	(3.0)	2.46%
Mr. Cooper	0.09%	(3.0)	2.10%
Carrington Mortgage Services	0.10%	(3.0)	4.01%
Freedom Mortgage Corporation	0.18%	(2.5)	5.20%
NewDay USA	0.56%	(1.0)	7.57%

* Data is compiled for the Palm Bay, FL commuting zone area, which comprises of counties of Brevard County, FL, and Indian River County, FL. This includes cities/towns/communities of Palm Bay, FL as well as Melbourne, FL, Titusville, FL, Cocoa, FL, Merritt Island, FL, Sebastian, FL, Viera East, FL, Rockledge, FL, West Melbourne, FL, Vero Beach South, FL, Viera West, FL, West Vero Corridor, FL, Florida Ridge, FL, Port St. John, FL, South Patrick Shores, FL, Cocoa Beach, FL, Wabasso, FL, Gifford, FL, Indian Harbour Beach, FL, Vero Beach, FL, Cape Canaveral, FL, Palm Shores, FL, Fellsmere, FL, Micco, FL, Indialantic, FL, Mims, FL, Melbourne Village, FL, Malabar, FL, Satellite Beach, FL, Orchid, FL, South Beach, FL, Melbourne Beach, FL, Sharpes, FL, Cocoa West, FL, and Grant-Valkaria, FL. 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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