LAKELAND - WINTER HAVEN Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Lakeland - Winter Haven averaged
7.09%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.02% and
one month ago for the week of 2025-05-15, the
average rate was 6.99%.
Lakeland - Winter Haven's average rate one year ago was 6.83%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.45%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Lakeland - Winter Haven 30 Year Fixed Rate | 2025-06-18 | 7.09% |
| Lakeland - Winter Haven 30 Year Fixed Rate Refi | 2025-06-18 | 7.45% |
| Lakeland - Winter Haven 15 Year Fixed Rate | 2025-06-18 | 6.57% |
| Lakeland - Winter Haven 15 Year Fixed Rate Refi | 2025-06-18 | 6.36% |
| Lakeland - Winter Haven 30 Year FHA | 2025-06-18 | -0.57% |
| Lakeland - Winter Haven 30 Year FHA Refi | 2025-06-18 | -0.34% |
| Lakeland - Winter Haven 30 Year USDA | 2025-06-18 | 0.2% |
| Lakeland - Winter Haven 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Lakeland - Winter Haven 30 Year VA | 2025-06-18 | -0.37% |
| Lakeland - Winter Haven 30 Year VA Refi | 2025-06-18 | -0.32% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within LAKELAND-WINTER HAVEN, FL.
LAKELAND - WINTER HAVEN Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the LAKELAND-WINTER HAVEN, FL market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
LAKELAND - WINTER HAVEN Average Closing Costs & Other Stats
LAKELAND-WINTER HAVEN, FL's 343 lenders originated 20,813
loans during 2024. The total origination value was $5,501,815,000, with an average loan value of
$264,345.
LAKELAND - WINTER HAVEN's average closing costs are $7,365.
The top LAKELAND - WINTER HAVEN lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
635 loans originated. Their average total fees are
$9,446, which is $2,040
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee LAKELAND - WINTER HAVEN lenders (with over 10 loans originated) are
HOMEAMERICAN MORTGAGE CORPORATION ($1,139), PULTE MORTGAGE LLC ($2,239), NVR Mortgage Finance, Inc. ($3,297), DHI MORTGAGE COMPANY, LTD. ($3,465) and RBC Bank, (Georgia) ($3,471).
The lowest rate LAKELAND - WINTER HAVEN lenders (with over 10 loans originated) are
PULTE MORTGAGE LLC (5.50%), EAGLE HOME MORTGAGE, LLC (5.53%), Suncoast Credit Union (5.58%), HOMEAMERICAN MORTGAGE CORPORATION (5.85%) and DHI MORTGAGE COMPANY, LTD. (5.86%).
LAKELAND-WINTER HAVEN, FL Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $534,475,000 | $575,970,000 | 7.8% | 10.5% |
| DHI MORTGAGE COMPANY, LTD. | $340,260,000 | $323,695,000 | -4.9% | 5.9% |
| EAGLE HOME MORTGAGE, LLC | $205,485,000 | $262,890,000 | 27.9% | 4.8% |
| QUICKEN LOANS, LLC | $221,020,000 | $239,935,000 | 8.6% | 4.4% |
| LOANDEPOT.COM, LLC | $128,010,000 | $155,955,000 | 21.8% | 2.8% |
| MIDFLORIDA | $137,465,000 | $140,555,000 | 2.2% | 2.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $105,825,000 | $117,985,000 | 11.5% | 2.1% |
| FREEDOM MORTGAGE CORPORATION | $46,440,000 | $107,695,000 | 131.9% | 2.0% |
| BROKER SOLUTIONS, INC. | $93,800,000 | $101,695,000 | 8.4% | 1.8% |
| HOME SOLUTION LENDERS INC. | $150,820,000 | $97,130,000 | -35.6% | 1.8% |
| GARDNER FINANCIAL SERVICES, LTD. | $42,990,000 | $89,135,000 | 107.3% | 1.6% |
| PULTE MORTGAGE LLC | $42,750,000 | $88,450,000 | 106.9% | 1.6% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $107,630,000 | $87,730,000 | -18.5% | 1.6% |
| NFM, INC. | $83,960,000 | $87,340,000 | 4.0% | 1.6% |
| HOMEAMERICAN MORTGAGE CORPORATION | $34,925,000 | $85,265,000 | 144.1% | 1.5% |
| Plains Commerce Bank | $73,115,000 | $74,200,000 | 1.5% | 1.3% |
| Mortgage Research Center, LLC | $68,535,000 | $73,715,000 | 7.6% | 1.3% |
| NVR Mortgage Finance, Inc. | $79,270,000 | $65,675,000 | -17.2% | 1.2% |
| South State Bank | $96,825,000 | $63,730,000 | -34.2% | 1.2% |
| NEWREZ LLC | $40,890,000 | $63,285,000 | 54.8% | 1.2% |
| FBC MORTGAGE, LLC | $81,645,000 | $62,620,000 | -23.3% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $39,665,000 | $57,225,000 | 44.3% | 1.0% |
| GUARANTEED RATE, INC. | $50,490,000 | $56,945,000 | 12.8% | 1.0% |
| South Pacific Financial Corporation | $31,540,000 | $55,645,000 | 76.4% | 1.0% |
| CMG MORTGAGE, INC. | $35,105,000 | $53,480,000 | 52.3% | 1.0% |
| KBHS HOME LOANS, LLC | $83,425,000 | $50,600,000 | -39.3% | 0.9% |
| Wells Fargo Bank | $28,530,000 | $46,920,000 | 64.5% | 0.9% |
| CBRE MULTIFAMILY CAPITAL, INC. | $10,365,000 | $40,885,000 | 294.5% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $28,745,000 | $37,155,000 | 29.3% | 0.7% |
| MOVEMENT MORTGAGE, LLC | $65,975,000 | $36,845,000 | -44.2% | 0.7% |
| A&D Mortgage LLC | $27,595,000 | $36,230,000 | 31.3% | 0.7% |
| JPMorgan Chase Bank | $32,300,000 | $34,895,000 | 8.0% | 0.6% |
| GUILD MORTGAGE COMPANY | $22,710,000 | $34,225,000 | 50.7% | 0.6% |
| EVERETT FINANCIAL, INC. | $41,350,000 | $33,785,000 | -18.3% | 0.6% |
| PGIM Real Estate Finance, LLC | $33,380,000 | n/a | 0.6% | |
| Equity Prime Mortgage LLC | $14,775,000 | $32,230,000 | 118.1% | 0.6% |
| Paramount Residential Mortgage Group, Inc. | $31,140,000 | $31,685,000 | 1.8% | 0.6% |
| AMWEST FUNDING CORP. | $65,255,000 | $30,430,000 | -53.4% | 0.6% |
| STOCKTON MORTGAGE CORPORATION | $36,790,000 | $29,595,000 | -19.6% | 0.5% |
| First Heritage Mortgage, LLC | $8,525,000 | $29,440,000 | 245.3% | 0.5% |
| THE MORTGAGE FIRM, INC. | $96,365,000 | $28,790,000 | -70.1% | 0.5% |
| Truist | $38,720,000 | $27,165,000 | -29.8% | 0.5% |
| HOMESIDE FINANCIAL, LLC | $12,385,000 | $26,940,000 | 117.5% | 0.5% |
| Citizens Bank and Trust | $38,315,000 | $26,485,000 | -30.9% | 0.5% |
| Waterstone Mortgage Corporation | $30,160,000 | $25,435,000 | -15.7% | 0.5% |
| Flagstar Bank, FSB | $24,055,000 | $25,205,000 | 4.8% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $20,075,000 | $24,345,000 | 21.3% | 0.4% |
| CARDINAL FINANCIAL | $41,590,000 | $24,080,000 | -42.1% | 0.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $33,580,000 | $23,140,000 | -31.1% | 0.4% |
| BERKELEY POINT CAPITAL LLC | $22,545,000 | n/a | 0.4% | |
| AMERICAN FINANCIAL NETWORK, INC. | $21,170,000 | $22,360,000 | 5.6% | 0.4% |
| VILLAGE CAPITAL MORTGAGE | $6,200,000 | $21,030,000 | 239.2% | 0.4% |
| UNION HOME MORTGAGE CORP. | $17,270,000 | $20,840,000 | 20.7% | 0.4% |
| ALKAN MORTGAGE CORPORATION | $20,820,000 | n/a | 0.4% | |
| LENDINGHOME FUNDING CORPORATION | $17,600,000 | $20,355,000 | 15.7% | 0.4% |
| Prudential Huntoon Paige Associates, LLC | $19,460,000 | n/a | 0.4% | |
| Bank of America | $21,790,000 | $18,045,000 | -17.2% | 0.3% |
| INSPIRE HOME LOANS INC. | $10,250,000 | $17,730,000 | 73.0% | 0.3% |
| PARK SQUARE HOME MORTGAGE, LLC | $25,740,000 | $17,545,000 | -31.8% | 0.3% |
| Regions Bank | $14,820,000 | $17,520,000 | 18.2% | 0.3% |
| Hometown Equity Mortgage, LLC | $18,075,000 | $17,405,000 | -3.7% | 0.3% |
| Suncoast Credit Union | $20,830,000 | $17,105,000 | -17.9% | 0.3% |
| Bank Of Central Florida | $16,090,000 | $15,925,000 | -1.0% | 0.3% |
| OCMBC, INC. | $14,590,000 | $15,885,000 | 8.9% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $8,570,000 | $15,490,000 | 80.7% | 0.3% |
| Century Mortgage Company DBA Century Lending Company | $7,825,000 | $15,155,000 | 93.7% | 0.3% |
| Arbor Realty Trust, Inc. | $14,870,000 | n/a | 0.3% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $20,155,000 | $14,865,000 | -26.2% | 0.3% |
| Cornerstone First Mortgage, Inc | $3,505,000 | $14,140,000 | 303.4% | 0.3% |
| Banco do Brasil Americas | $29,940,000 | $13,615,000 | -54.5% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $19,355,000 | $13,605,000 | -29.7% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $4,480,000 | $13,165,000 | 193.9% | 0.2% |
| BAC Florida Bank | $22,525,000 | $12,715,000 | -43.6% | 0.2% |
| Carrington Mortgage Services, LLC | $13,370,000 | $12,380,000 | -7.4% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $8,785,000 | $11,875,000 | 35.2% | 0.2% |
| The Loan Store, Inc. | $1,820,000 | $11,870,000 | 552.2% | 0.2% |
| 21ST MORTGAGE CORPORATION | $11,625,000 | $11,595,000 | -0.3% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $6,755,000 | $11,560,000 | 71.1% | 0.2% |
| NEW DAY FINANCIAL, LLC | $8,655,000 | $11,200,000 | 29.4% | 0.2% |
| PLANET HOME LENDING, LLC | $7,825,000 | $10,910,000 | 39.4% | 0.2% |
| TD Bank | $23,795,000 | $10,755,000 | -54.8% | 0.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $5,735,000 | $10,735,000 | 87.2% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $6,075,000 | $10,610,000 | 74.7% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $10,940,000 | $9,970,000 | -8.9% | 0.2% |
| Fifth Third Bank | $6,675,000 | $9,820,000 | 47.1% | 0.2% |
| USAA Federal Savings Bank | $11,775,000 | $9,565,000 | -18.8% | 0.2% |
| Citadel Servicing Corporation | $17,685,000 | $9,535,000 | -46.1% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $31,750,000 | $9,120,000 | -71.3% | 0.2% |
| GENEVA FINANCIAL, LLC | $13,260,000 | $8,900,000 | -32.9% | 0.2% |
| Lakeview Community Capital, LLC | $2,150,000 | $8,850,000 | 311.6% | 0.2% |
| HOMESPIRE MORTGAGE CORPORATION | $5,760,000 | $8,840,000 | 53.5% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $17,065,000 | $8,815,000 | -48.3% | 0.2% |
| First Horizon Bank | $4,410,000 | $8,750,000 | 98.4% | 0.2% |
| M/I FINANCIAL, LLC | $8,665,000 | n/a | 0.2% | |
| Figure Lending LLC | $4,655,000 | $8,645,000 | 85.7% | 0.2% |
| HOMEXPRESS MORTGAGE CORP. | $12,770,000 | $8,460,000 | -33.8% | 0.2% |
| Residential Acceptance Corporation | $8,320,000 | n/a | 0.2% | |
| Morgan Stanley Private Bank | $3,850,000 | $8,205,000 | 113.1% | 0.1% |
| ZILLOW HOME LOANS, LLC | $4,365,000 | $8,185,000 | 87.5% | 0.1% |
| PARTNERS | $8,200,000 | $8,070,000 | -1.6% | 0.1% |
| GTE Federal Credit Union | $5,875,000 | $7,925,000 | 34.9% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $12,250,000 | $7,835,000 | -36.0% | 0.1% |
| Discover Bank | $7,745,000 | $7,815,000 | 0.9% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $6,630,000 | $7,780,000 | 17.3% | 0.1% |
| Mortgage Lenders Investment Trading Corporation | $8,015,000 | $7,770,000 | -3.1% | 0.1% |
| PNC Bank | $8,830,000 | $7,570,000 | -14.3% | 0.1% |
| Ixonia Bank | $5,610,000 | $7,515,000 | 34.0% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $10,995,000 | $7,460,000 | -32.2% | 0.1% |
| JMAC LENDING, INC. | $695,000 | $7,275,000 | 946.8% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $3,100,000 | $7,210,000 | 132.6% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $7,430,000 | $7,130,000 | -4.0% | 0.1% |
| LENDSURE MORTGAGE CORP. | $4,965,000 | $6,710,000 | 35.1% | 0.1% |
| Commerce Home Mortgage, Inc. | $9,625,000 | $6,635,000 | -31.1% | 0.1% |
| CANOPY MORTGAGE, LLC | $7,285,000 | $6,490,000 | -10.9% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $3,990,000 | $6,490,000 | 62.7% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $11,090,000 | $6,480,000 | -41.6% | 0.1% |
| Logan Finance Corporation | $3,085,000 | $6,365,000 | 106.3% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $3,330,000 | $6,350,000 | 90.7% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $4,180,000 | $6,350,000 | 51.9% | 0.1% |
| U.S. Bank | $14,005,000 | $6,190,000 | -55.8% | 0.1% |
| JET HOMELOANS, LLC | $18,300,000 | $6,150,000 | -66.4% | 0.1% |
| MY MORTGAGE, INC. | $12,430,000 | $6,150,000 | -50.5% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $7,270,000 | $6,120,000 | -15.8% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $5,495,000 | $6,110,000 | 11.2% | 0.1% |
| LOANPAL, LLC | $5,990,000 | $5,665,000 | -5.4% | 0.1% |
| BM Real Estate Services, Inc. | $1,965,000 | $5,595,000 | 184.7% | 0.1% |
| Citizens Bank | $15,165,000 | $5,545,000 | -63.4% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,440,000 | $5,525,000 | 1.6% | 0.1% |
| General Mortgage Capital Corporation | $3,835,000 | $5,460,000 | 42.4% | 0.1% |
| RBC Bank, (Georgia) | $14,100,000 | $5,430,000 | -61.5% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $4,535,000 | $5,355,000 | 18.1% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $13,130,000 | $5,350,000 | -59.3% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $2,300,000 | $5,345,000 | 132.4% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $6,480,000 | $5,140,000 | -20.7% | 0.1% |
| AMERITRUST MORTGAGE CORPORATION | $435,000 | $5,110,000 | 1,074.7% | 0.1% |
| T2 FINANCIAL LLC | $1,140,000 | $4,920,000 | 331.6% | 0.1% |
| Nations Lending Corporation | $3,510,000 | $4,820,000 | 37.3% | 0.1% |
| BAY EQUITY LLC | $5,020,000 | $4,810,000 | -4.2% | 0.1% |
| NEXERA HOLDING LLC | $1,975,000 | $4,685,000 | 137.2% | 0.1% |
| MICHIGAN MUTUAL, INC. | $5,125,000 | $4,605,000 | -10.1% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $2,285,000 | $4,500,000 | 96.9% | 0.1% |
| EMBRACE HOME LOANS, INC. | $5,345,000 | $4,485,000 | -16.1% | 0.1% |
| FIRST MORTGAGE COMPANY, INC. | $1,865,000 | $4,455,000 | 138.9% | 0.1% |
| City National Bank of Florida | $6,395,000 | $4,420,000 | -30.9% | 0.1% |
| FOUNDATION MORTGAGE CORPORATION | $1,385,000 | $4,390,000 | 217.0% | 0.1% |
| MORTGAGE EQUITY PARTNERS LLC | $5,885,000 | $4,320,000 | -26.6% | 0.1% |
| GERSHMAN INVESTMENT CORP. | $3,415,000 | $4,280,000 | 25.3% | 0.1% |
| The Federal Savings Bank | $6,840,000 | $4,185,000 | -38.8% | 0.1% |
| DAS Acquisition Company, LLC | $4,885,000 | $4,120,000 | -15.7% | 0.1% |
| TrustCo Bank | $4,205,000 | $4,080,000 | -3.0% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $3,085,000 | $3,970,000 | 28.7% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $3,455,000 | $3,865,000 | 11.9% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $1,445,000 | $3,740,000 | 158.8% | 0.1% |
| Prime Meridian Bank | $8,545,000 | $3,725,000 | -56.4% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $4,580,000 | $3,650,000 | -20.3% | 0.1% |
| AMERICAN BANCSHARES MORTGAGE | $1,425,000 | $3,640,000 | 155.4% | 0.1% |
| Coastal Community Bank | $4,455,000 | $3,625,000 | -18.6% | 0.1% |
| BETTER MORTGAGE CORPORATION | $4,655,000 | $3,500,000 | -24.8% | 0.1% |
| Midwest Mortgage Associates Corporation | $680,000 | $3,450,000 | 407.4% | 0.1% |
| PREFERRED LENDING SERVICES, LLC | $2,500,000 | $3,415,000 | 36.6% | 0.1% |
| SILVER HILL FUNDING, LLC | $1,865,000 | $3,395,000 | 82.0% | 0.1% |
| PUBLIX EMPLOYEES | $3,660,000 | $3,385,000 | -7.5% | 0.1% |
| UNITED MORTGAGE CORP | $3,380,000 | n/a | 0.1% | |
| NBKC BANK | $3,525,000 | $3,325,000 | -5.7% | 0.1% |
| PHH Mortgage Corporation | $2,050,000 | $3,325,000 | 62.2% | 0.1% |
| INTELLILOAN, INC. | $545,000 | $3,260,000 | 498.2% | 0.1% |
| Alcova Mortgage LLC | $1,160,000 | $3,210,000 | 176.7% | 0.1% |
| ARC HOME LLC | $6,430,000 | $3,180,000 | -50.5% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,175,000 | $3,170,000 | 169.8% | 0.1% |
| EMM LOANS LLC | $4,450,000 | $3,105,000 | -30.2% | 0.1% |
| Keystone Funding, Inc. | $3,110,000 | $3,090,000 | -0.6% | 0.1% |
| GEO-CORP, INC. | $335,000 | $3,080,000 | 819.4% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $4,240,000 | $2,980,000 | -29.7% | 0.1% |
| First National Bank of America | $3,665,000 | $2,965,000 | -19.1% | 0.1% |
| Home Mortgage Alliance Corp | $2,915,000 | n/a | 0.1% | |
| American Mortgage Bank, LLC | $2,890,000 | n/a | 0.1% | |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $7,585,000 | $2,850,000 | -62.4% | 0.1% |
| Gateway First Bank | $4,185,000 | $2,795,000 | -33.2% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $1,580,000 | $2,770,000 | 75.3% | 0.1% |
| NP, Inc. | $4,415,000 | $2,745,000 | -37.8% | 0.0% |
| METROPLEX MORTGAGE SERVICES, INC. | $2,510,000 | $2,740,000 | 9.2% | 0.0% |
| First Home Bank | $825,000 | $2,735,000 | 231.5% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $5,485,000 | $2,715,000 | -50.5% | 0.0% |
| The Huntington National Bank | $4,935,000 | $2,700,000 | -45.3% | 0.0% |
| VYSTAR | $2,560,000 | $2,610,000 | 2.0% | 0.0% |
| TOWNE MORTGAGE COMPANY | $5,075,000 | $2,515,000 | -50.4% | 0.0% |
| Ally Bank | $3,055,000 | $2,510,000 | -17.8% | 0.0% |
| LIMA ONE CAPITAL, LLC | $5,560,000 | $2,450,000 | -55.9% | 0.0% |
| NexBank | $345,000 | $2,425,000 | 602.9% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $2,620,000 | $2,415,000 | -7.8% | 0.0% |
| SPACE COAST Credit Union | $2,530,000 | $2,415,000 | -4.5% | 0.0% |
| SWBC MORTGAGE CORPORATION | $1,130,000 | $2,395,000 | 111.9% | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $2,420,000 | $2,385,000 | -1.4% | 0.0% |
| NEW WAVE LENDING GROUP INC | $1,895,000 | $2,370,000 | 25.1% | 0.0% |
| Valley National Bank | $4,195,000 | $2,340,000 | -44.2% | 0.0% |
| EQUITY RESOURCES, INC. | $4,465,000 | $2,310,000 | -48.3% | 0.0% |
| RF Renovo Management Company, LLC | $1,705,000 | $2,310,000 | 35.5% | 0.0% |
| City Lending Inc. | $2,305,000 | n/a | 0.0% | |
| WATSON MORTGAGE CORP. | $2,210,000 | $2,245,000 | 1.6% | 0.0% |
| First Option Mortgage, LLC | $2,100,000 | $2,240,000 | 6.7% | 0.0% |
| 212 LOANS, LLC. | $1,240,000 | $2,200,000 | 77.4% | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $5,025,000 | $2,175,000 | -56.7% | 0.0% |
| Mid-Continent Funding, Inc. | $2,635,000 | $2,155,000 | -18.2% | 0.0% |
| Wauchula State Bank | $4,480,000 | $2,100,000 | -53.1% | 0.0% |
| BancorpSouth | $475,000 | $2,095,000 | 341.1% | 0.0% |
| VELOCIO MORTGAGE L.L.C. | $14,130,000 | $2,085,000 | -85.2% | 0.0% |
| First Federal Bank | $2,070,000 | $2,075,000 | 0.2% | 0.0% |
| Seacoast National Bank | $1,035,000 | $2,060,000 | 99.0% | 0.0% |
| FAIRWINDS CREDIT UNION | $5,295,000 | $2,020,000 | -61.9% | 0.0% |
| SPRING EQ, LLC | $2,720,000 | $2,010,000 | -26.1% | 0.0% |
| United Community Bank | $1,830,000 | $1,990,000 | 8.7% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $1,965,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $1,615,000 | $1,960,000 | 21.4% | 0.0% |
| DG PINNACLE FUNDING LLC | $150,000 | $1,910,000 | 1,173.3% | 0.0% |
| AmeriHome Mortgage Company, LLC | $2,325,000 | $1,905,000 | -18.1% | 0.0% |
| Northpointe Bank | $2,150,000 | $1,905,000 | -11.4% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $2,535,000 | $1,900,000 | -25.0% | 0.0% |
| ORIX REAL ESTATE CAPITAL, LLC | $1,895,000 | n/a | 0.0% | |
| LAKE MICHIGAN CREDIT UNION | $635,000 | $1,875,000 | 195.3% | 0.0% |
| Acre Mortgage and Financial Inc | $175,000 | $1,860,000 | 962.9% | 0.0% |
| Loan Simple, Inc. | $2,350,000 | $1,835,000 | -21.9% | 0.0% |
| CLEARPATH LENDING | $2,295,000 | $1,830,000 | -20.3% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $2,160,000 | $1,825,000 | -15.5% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $860,000 | $1,790,000 | 108.1% | 0.0% |
| Performance Financial, Inc. | $695,000 | $1,785,000 | 156.8% | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $2,440,000 | $1,735,000 | -28.9% | 0.0% |
| OPEN MORTGAGE, LLC | $4,265,000 | $1,695,000 | -60.3% | 0.0% |
| NJ LENDERS CORP. | $2,795,000 | $1,660,000 | -40.6% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $205,000 | $1,635,000 | 697.6% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $855,000 | $1,615,000 | 88.9% | 0.0% |
| AHL FUNDING | $1,560,000 | $1,555,000 | -0.3% | 0.0% |
| BECKAM FUNDING CORP. | $965,000 | $1,550,000 | 60.6% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $1,900,000 | $1,500,000 | -21.1% | 0.0% |
| Synovus Bank | $3,945,000 | $1,500,000 | -62.0% | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | $1,200,000 | $1,480,000 | 23.3% | 0.0% |
| Axos Bank | $1,470,000 | n/a | 0.0% | |
| ACHIEVA CREDIT UNION | $530,000 | $1,440,000 | 171.7% | 0.0% |
| AXIA FINANCIAL, LLC | $935,000 | $1,440,000 | 54.0% | 0.0% |
| PREMIER LENDING, INC. | $1,380,000 | n/a | 0.0% | |
| ACOPIA, LLC | $4,715,000 | $1,375,000 | -70.8% | 0.0% |
| Bell Bank | $4,670,000 | $1,375,000 | -70.6% | 0.0% |
| Terrabank | $5,255,000 | $1,370,000 | -73.9% | 0.0% |
| FIRST TECHNOLOGY | $1,360,000 | n/a | 0.0% | |
| Greenbox Loans, Inc. | $1,605,000 | $1,360,000 | -15.3% | 0.0% |
| NORTHPOINT MORTGAGE, INC. | $5,380,000 | $1,360,000 | -74.7% | 0.0% |
| MILEND, INC. | $1,025,000 | $1,355,000 | 32.2% | 0.0% |
| HOMESTEAD FUNDING CORP. | $305,000 | $1,350,000 | 342.6% | 0.0% |
| Prosperity Home Mortgage, LLC | $2,830,000 | $1,335,000 | -52.8% | 0.0% |
| VAN DYK MORTGAGE CORPORATION | $5,825,000 | $1,335,000 | -77.1% | 0.0% |
| Charles Schwab Bank, SSB | $2,240,000 | $1,295,000 | -42.2% | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | $1,285,000 | n/a | 0.0% | |
| MidFirst Bank | $2,290,000 | $1,285,000 | -43.9% | 0.0% |
| First National Bank of Pennsylvania | $2,010,000 | $1,245,000 | -38.1% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $85,000 | $1,215,000 | 1,329.4% | 0.0% |
| SeaTrust Mortgage Company | $255,000 | $1,205,000 | 372.5% | 0.0% |
| BELEM SERVICING LLC | $435,000 | $1,180,000 | 171.3% | 0.0% |
| Magnolia Bank | $145,000 | $1,175,000 | 710.3% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $240,000 | $1,175,000 | 389.6% | 0.0% |
| Ameris Bank | $2,640,000 | $1,170,000 | -55.7% | 0.0% |
| Grow Financial Federal Credit Union | $4,465,000 | $1,170,000 | -73.8% | 0.0% |
| BMO Harris Bank | $2,280,000 | $1,155,000 | -49.3% | 0.0% |
| Quontic Bank | $410,000 | $1,150,000 | 180.5% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,770,000 | $1,120,000 | -36.7% | 0.0% |
| Helm Bank USA | $3,005,000 | $1,105,000 | -63.2% | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $1,030,000 | $1,100,000 | 6.8% | 0.0% |
| Florida Capital Bank | $595,000 | $1,100,000 | 84.9% | 0.0% |
| SELF-HELP Credit Union | $275,000 | $1,100,000 | 300.0% | 0.0% |
| 1ST SIGNATURE LENDING, LLC | $780,000 | $1,090,000 | 39.7% | 0.0% |
| Baxter Credit Union | $950,000 | $1,075,000 | 13.2% | 0.0% |
| CityWorth Mortgage LLC | $1,075,000 | n/a | 0.0% | |
| READY MORTGAGE LENDERS, LLC | $1,885,000 | $1,065,000 | -43.5% | 0.0% |
| ALLIANT CREDIT UNION | $1,430,000 | $1,055,000 | -26.2% | 0.0% |
| Luxury Mortgage Corp. | $625,000 | $1,050,000 | 68.0% | 0.0% |
| DFCU FINANCIAL | $520,000 | $1,045,000 | 101.0% | 0.0% |
| RESIDENTIAL BANCORP | $1,510,000 | $1,035,000 | -31.5% | 0.0% |
| PREMIA MORTGAGE, LLC | $900,000 | $1,005,000 | 11.7% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $420,000 | $1,000,000 | 138.1% | 0.0% |
| DIGITAL Federal Credit Union | $760,000 | $1,000,000 | 31.6% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $1,335,000 | $985,000 | -26.2% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $965,000 | n/a | 0.0% | |
| SUMMIT FUNDING, INC. | $965,000 | n/a | 0.0% | |
| CONTOUR MORTGAGE CORPORATION | $2,060,000 | $955,000 | -53.6% | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | $360,000 | $955,000 | 165.3% | 0.0% |
| University Bank | $155,000 | $950,000 | 512.9% | 0.0% |
| LADERA LENDING, INC. | $1,725,000 | $945,000 | -45.2% | 0.0% |
| M&T Bank | $1,665,000 | $940,000 | -43.5% | 0.0% |
| AMERICAN HERITAGE FCU | $935,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $1,220,000 | $935,000 | -23.4% | 0.0% |
| GoPrime Mortgage, Inc. | $925,000 | n/a | 0.0% | |
| COMMUNITY CREDIT UNION OF FLORIDA | $2,465,000 | $920,000 | -62.7% | 0.0% |
| AgFirst Farm Credit Bank | $1,335,000 | $915,000 | -31.5% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $1,315,000 | $915,000 | -30.4% | 0.0% |
| BOND STREET MORTGAGE, LLC | $315,000 | $915,000 | 190.5% | 0.0% |
| ITHINK FINANCIAL Credit Union | $740,000 | $915,000 | 23.6% | 0.0% |
| LENDINGONE, LLC | $715,000 | $895,000 | 25.2% | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | $1,260,000 | $890,000 | -29.4% | 0.0% |
| DELTA COMMUNITY CREDIT UNION | $795,000 | $875,000 | 10.1% | 0.0% |
| Armed Forces Bank | $750,000 | $845,000 | 12.7% | 0.0% |
| Desjardins Bank | $2,860,000 | $840,000 | -70.6% | 0.0% |
| Commerce Bank | $820,000 | n/a | 0.0% | |
| Mainstreet Community Bank of Florida | $820,000 | n/a | 0.0% | |
| SFMC, LP | $345,000 | $815,000 | 136.2% | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $3,745,000 | $805,000 | -78.5% | 0.0% |
| CLIFFCO, INC. | $1,395,000 | $805,000 | -42.3% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $430,000 | $805,000 | 87.2% | 0.0% |
| MORTGAGEONE, INC. | $325,000 | $800,000 | 146.2% | 0.0% |
| ON Q FINANCIAL, INC. | $385,000 | $780,000 | 102.6% | 0.0% |
| American Airlines Federal Credit Union | $245,000 | $765,000 | 212.2% | 0.0% |
| The North Salem State Bank | $765,000 | n/a | 0.0% | |
| VERITAS FUNDING, LLC | $475,000 | $765,000 | 61.1% | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | $740,000 | $765,000 | 3.4% | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $3,440,000 | $725,000 | -78.9% | 0.0% |
| Premium Mortgage Corporation | $1,165,000 | $720,000 | -38.2% | 0.0% |
| DELMAR FINANCIAL COMPANY | $715,000 | n/a | 0.0% | |
| LAFAYETTE FEDERAL CREDIT UNION | $185,000 | $710,000 | 283.8% | 0.0% |
| Strong Home Mortgage, LLC | $1,830,000 | $710,000 | -61.2% | 0.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $720,000 | $700,000 | -2.8% | 0.0% |
| Wolfe Financial, Inc | $490,000 | $700,000 | 42.9% | 0.0% |
| SIRVA MORTGAGE, INC. | $530,000 | $695,000 | 31.1% | 0.0% |
| MORTGAGE ACCESS CORP. | $850,000 | $690,000 | -18.8% | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $690,000 | n/a | 0.0% | |
| West Gate Bank | $690,000 | n/a | 0.0% | |
| AmRes Corporation | $445,000 | $680,000 | 52.8% | 0.0% |
| Encompass Lending Group, LP | $415,000 | $680,000 | 63.9% | 0.0% |
| AMERICAN FINANCING CORPORATION | $845,000 | $670,000 | -20.7% | 0.0% |
| GENISYS | $670,000 | n/a | 0.0% | |
| East Coast Capital Corp. | $235,000 | $660,000 | 180.9% | 0.0% |
| F & M Bank | $655,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $650,000 | n/a | 0.0% | |
| GMFS LLC | $1,030,000 | $650,000 | -36.9% | 0.0% |
| ADDITION FINANCIAL | $1,135,000 | $615,000 | -45.8% | 0.0% |
| Granite Community Bank | $580,000 | n/a | 0.0% | |
| GVC MORTGAGE, INC. | $580,000 | n/a | 0.0% | |
| Intercredit Bank | $360,000 | $580,000 | 61.1% | 0.0% |
| US MORTGAGE CORPORATION | $660,000 | $580,000 | -12.1% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $315,000 | $570,000 | 81.0% | 0.0% |
| Fidelity Bank | $570,000 | n/a | 0.0% | |
| First Merchants Bank | $745,000 | $560,000 | -24.8% | 0.0% |
| Hancock Whitney Bank | $6,240,000 | $560,000 | -91.0% | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | $550,000 | n/a | 0.0% | |
| First State Bank | $545,000 | n/a | 0.0% | |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $825,000 | $540,000 | -34.5% | 0.0% |
| NMSI, INC. | $255,000 | $540,000 | 111.8% | 0.0% |
| Associated Bank | $535,000 | n/a | 0.0% | |
| RESOURCE FINANCIAL SERVICES, INC. | $205,000 | $535,000 | 161.0% | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | $375,000 | $530,000 | 41.3% | 0.0% |
| Credence Funding Corporation | $345,000 | $530,000 | 53.6% | 0.0% |
| FAIRWAY FUNDING GROUP, INC. | $575,000 | $530,000 | -7.8% | 0.0% |
| FUNDLOANS CAPITAL | $525,000 | n/a | 0.0% | |
| EQUITY WAVE LENDING, INC. | $520,000 | n/a | 0.0% | |
| GreenStone Farm Credit Services, FLCA | $515,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $230,000 | $515,000 | 123.9% | 0.0% |
| HighTechLending Inc | $165,000 | $510,000 | 209.1% | 0.0% |
| BOKF | $445,000 | $500,000 | 12.4% | 0.0% |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $490,000 | n/a | 0.0% | |
| FIRST HOME MORTGAGE CORPORATION | $490,000 | n/a | 0.0% | |
| NATIONS RELIABLE LENDING, LLC | $2,850,000 | $480,000 | -83.2% | 0.0% |
| First Bank | $325,000 | $475,000 | 46.2% | 0.0% |
| THE MONEY HOUSE INC. | $135,000 | $475,000 | 251.9% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $385,000 | $470,000 | 22.1% | 0.0% |
| North American Savings Bank, F.S.B. | $1,590,000 | $470,000 | -70.4% | 0.0% |
| Towne Bank | $335,000 | $470,000 | 40.3% | 0.0% |
| First-Citizens Bank & Trust Company | $49,510,000 | $460,000 | -99.1% | 0.0% |
| J. VIRGIL, INC. | $540,000 | $460,000 | -14.8% | 0.0% |
| USF Federal Credit Union | $1,150,000 | $460,000 | -60.0% | 0.0% |
| FM Home Loans, LLC | $450,000 | n/a | 0.0% | |
| MSA MORTGAGE, LLC | $450,000 | n/a | 0.0% | |
| Texana Bank | $450,000 | n/a | 0.0% | |
| Evolve Bank & Trust | $990,000 | $440,000 | -55.6% | 0.0% |
| RADIUS FINANCIAL GROUP INC. | $385,000 | $440,000 | 14.3% | 0.0% |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $2,040,000 | $440,000 | -78.4% | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $435,000 | n/a | 0.0% | |
| Mercantile Bank of Michigan | $425,000 | $435,000 | 2.4% | 0.0% |
| TOWER | $325,000 | $435,000 | 33.8% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $335,000 | $430,000 | 28.4% | 0.0% |
| First Savings Bank | $2,480,000 | $425,000 | -82.9% | 0.0% |
| Frandsen Bank & Trust | $425,000 | n/a | 0.0% | |
| Lincoln FSB of Nebraska | $425,000 | n/a | 0.0% | |
| POLICE & FIRE | $410,000 | n/a | 0.0% | |
| Bank of England | $7,280,000 | $400,000 | -94.5% | 0.0% |
| Devon Bank | $390,000 | n/a | 0.0% | |
| Merchants Bank of Indiana | $415,000 | $390,000 | -6.0% | 0.0% |
| CONTINENTAL MORTGAGE BANKERS, INC. | $385,000 | n/a | 0.0% | |
| FLORIDA CENTRAL CREDIT UNION | $660,000 | $385,000 | -41.7% | 0.0% |
| Blue Ridge Bank | $215,000 | $375,000 | 74.4% | 0.0% |
| COMMUNITY FIRST CREDIT UNION OF FLO | $200,000 | $370,000 | 85.0% | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | $370,000 | n/a | 0.0% | |
| POINT Mortgage | $785,000 | $370,000 | -52.9% | 0.0% |
| Bank of Hope | $365,000 | $365,000 | 0.0% | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | $695,000 | $365,000 | -47.5% | 0.0% |
| FIRST EQUITY MORTGAGE BANKERS, INC. | $940,000 | $365,000 | -61.2% | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | $360,000 | n/a | 0.0% | |
| Centennial Bank | $7,490,000 | $360,000 | -95.2% | 0.0% |
| FAIR WAY LENDING LLC | $355,000 | n/a | 0.0% | |
| PRYSMA LENDING GROUP, LLC | $205,000 | $355,000 | 73.2% | 0.0% |
| Raymond James Bank | $11,720,000 | $355,000 | -97.0% | 0.0% |
| CIS Financial Services, Inc. | $400,000 | $350,000 | -12.5% | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | $345,000 | n/a | 0.0% | |
| FineMark National Bank & Trust | $345,000 | n/a | 0.0% | |
| First National Bank of Omaha | $345,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $345,000 | n/a | 0.0% | |
| TEACHERS | $890,000 | $345,000 | -61.2% | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $340,000 | n/a | 0.0% | |
| McCoy Federal Credit Union | $205,000 | $340,000 | 65.9% | 0.0% |
| Bank OZK | $3,255,000 | $335,000 | -89.7% | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $460,000 | $330,000 | -28.3% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $330,000 | n/a | 0.0% | |
| Grandview Bank | $325,000 | n/a | 0.0% | |
| Nicolet National Bank | $325,000 | n/a | 0.0% | |
| ServisFirst Bank | $325,000 | n/a | 0.0% | |
| ENDEAVOR CAPITAL, LLC. | $3,345,000 | $315,000 | -90.6% | 0.0% |
| F&A Federal Credit Union | $315,000 | n/a | 0.0% | |
| INTERCAP LENDING INC. | $1,125,000 | $315,000 | -72.0% | 0.0% |
| MORTGAGE 1 INCORPORATED | $205,000 | $315,000 | 53.7% | 0.0% |
| Ross Mortgage Company, Inc. | $315,000 | n/a | 0.0% | |
| ALL IN | $305,000 | n/a | 0.0% | |
| American Security Mortgage Corp. | $630,000 | $305,000 | -51.6% | 0.0% |
| Coulee Bank | $305,000 | n/a | 0.0% | |
| Kwik Mortgage Corporation | $765,000 | $305,000 | -60.1% | 0.0% |
| MERCK SHARP & DOHME FEDERAL CREDIT UNION | $305,000 | n/a | 0.0% | |
| MLB RESIDENTIAL LENDING, LLC | $185,000 | $300,000 | 62.2% | 0.0% |
| ADVANCIAL | $205,000 | $295,000 | 43.9% | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | $450,000 | $295,000 | -34.4% | 0.0% |
| Preston Home Loans Inc | $295,000 | n/a | 0.0% | |
| BAY-VALLEY MORTGAGE GROUP | $285,000 | n/a | 0.0% | |
| INTERSTATE HOME LOAN CENTER, INC. | $455,000 | $285,000 | -37.4% | 0.0% |
| LUSO | $285,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $335,000 | $285,000 | -14.9% | 0.0% |
| POLISH & SLAVIC FEDERAL CREDIT UNION | $285,000 | n/a | 0.0% | |
| GUIDANCE RESIDENTIAL, LLC | $670,000 | $275,000 | -59.0% | 0.0% |
| HOME FINANCING CENTER, INC. | $355,000 | $275,000 | -22.5% | 0.0% |
| LOANLEADERS OF AMERICA, INC. | $1,100,000 | $275,000 | -75.0% | 0.0% |
| MORTGAGE FINANCIAL GROUP, INC. | $550,000 | $270,000 | -50.9% | 0.0% |
| BRIGHTSTAR | $265,000 | n/a | 0.0% | |
| THE MORTGAGE LINK, INC. | $245,000 | $265,000 | 8.2% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $260,000 | n/a | 0.0% | |
| Bank & Trust Company | $255,000 | n/a | 0.0% | |
| DEPARTMENT OF COMMERCE | $255,000 | n/a | 0.0% | |
| Southern Bank | $255,000 | n/a | 0.0% | |
| 1ST FINANCIAL, INC. | $1,280,000 | $245,000 | -80.9% | 0.0% |
| PAWTUCKET | $245,000 | n/a | 0.0% | |
| Tyndall Federal Credit Union | $250,000 | $245,000 | -2.0% | 0.0% |
| FLORIDA | $290,000 | $240,000 | -17.2% | 0.0% |
| FIRST COMMUNITY | $235,000 | n/a | 0.0% | |
| Summit Mortgage Corporation | $2,255,000 | $235,000 | -89.6% | 0.0% |
| Elements Financial Federal Credit Union | $225,000 | n/a | 0.0% | |
| First Palmetto Bank | $155,000 | $225,000 | 45.2% | 0.0% |
| Philadelphia Mortgage Advisors, Inc. | $225,000 | n/a | 0.0% | |
| SOUTHWEST FUNDING, LP | $225,000 | n/a | 0.0% | |
| TROPICAL FINANCIAL CREDIT UNION | $225,000 | n/a | 0.0% | |
| COMMONWEALTH ONE FEDERAL CREDIT UNION | $215,000 | n/a | 0.0% | |
| First Commonwealth Bank | $215,000 | n/a | 0.0% | |
| Home State Bank | $415,000 | $215,000 | -48.2% | 0.0% |
| Meridian Bank Corporation | $465,000 | $215,000 | -53.8% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $215,000 | n/a | 0.0% | |
| The Dart Bank | $215,000 | n/a | 0.0% | |
| Bank Five Nine | $205,000 | n/a | 0.0% | |
| First Federal Bank of the Midwest | $380,000 | $205,000 | -46.1% | 0.0% |
| Connexus Credit Union | $25,000 | $195,000 | 680.0% | 0.0% |
| The Central Trust Bank | $1,355,000 | $195,000 | -85.6% | 0.0% |
| United Southern Bank | $45,000 | $195,000 | 333.3% | 0.0% |
| First American Bank | $135,000 | $190,000 | 40.7% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $305,000 | $185,000 | -39.3% | 0.0% |
| 1st Source Bank | $675,000 | $175,000 | -74.1% | 0.0% |
| American Momentum Bank | $175,000 | n/a | 0.0% | |
| RAILROAD & INDUSTRIAL | $465,000 | $175,000 | -62.4% | 0.0% |
| Republic Bank & Trust Company | $485,000 | $175,000 | -63.9% | 0.0% |
| State Department Federal Credit Union | $305,000 | $175,000 | -42.6% | 0.0% |
| WINGS FINANCIAL | $1,625,000 | $170,000 | -89.5% | 0.0% |
| Capital Bank | $1,235,000 | $165,000 | -86.6% | 0.0% |
| GOOGAIN, INC. | $225,000 | $165,000 | -26.7% | 0.0% |
| GSF Mortgage Corporation | $5,455,000 | $165,000 | -97.0% | 0.0% |
| JET DIRECT FUNDING CORP | $165,000 | n/a | 0.0% | |
| KS StateBank | $165,000 | n/a | 0.0% | |
| SPIRE Credit Union | $165,000 | n/a | 0.0% | |
| ASCEND FEDERAL CREDIT UNION | $155,000 | n/a | 0.0% | |
| COMMUNITYAMERICA | $155,000 | n/a | 0.0% | |
| Metro City Bank | $1,135,000 | $155,000 | -86.3% | 0.0% |
| Heartland National Bank | $725,000 | $145,000 | -80.0% | 0.0% |
| American Community Bank of Indiana | $315,000 | $135,000 | -57.1% | 0.0% |
| ALL REVERSE MORTGAGE, INC. | $355,000 | $125,000 | -64.8% | 0.0% |
| GREENSTATE CREDIT UNION | $125,000 | n/a | 0.0% | |
| GREENTREE MORTGAGE COMPANY, L.P. | $470,000 | $125,000 | -73.4% | 0.0% |
| KINECTA | $35,000 | $125,000 | 257.1% | 0.0% |
| UIF CORPORATION | $305,000 | $125,000 | -59.0% | 0.0% |
| Signature Federal Credit Union | $470,000 | $115,000 | -75.5% | 0.0% |
| York Traditions Bank | $115,000 | n/a | 0.0% | |
| AFFINITY | $105,000 | n/a | 0.0% | |
| Ballston Spa National Bank | $405,000 | $105,000 | -74.1% | 0.0% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $260,000 | $105,000 | -59.6% | 0.0% |
| Univest Bank and Trust Co. | $275,000 | $105,000 | -61.8% | 0.0% |
| We Florida Financial | $105,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $875,000 | $95,000 | -89.1% | 0.0% |
| Miami Postal Service Credit Union | $90,000 | n/a | 0.0% | |
| TOGETHER CREDIT UNION | $60,000 | $90,000 | 50.0% | 0.0% |
| SOUTH FLORIDA EDUCATIONAL | $55,000 | $85,000 | 54.5% | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | $125,000 | $85,000 | -32.0% | 0.0% |
| TAMPA BAY FEDERAL CREDIT UNION | $220,000 | $75,000 | -65.9% | 0.0% |
| USAlliance Federal Credit Union | $55,000 | $75,000 | 36.4% | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $75,000 | n/a | 0.0% | |
| ASSEMBLIES OF GOD Credit Union | $65,000 | n/a | 0.0% | |
| CHEVRON | $65,000 | n/a | 0.0% | |
| CAMPUS USA | $200,000 | $55,000 | -72.5% | 0.0% |
| CITADEL FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| HALLMARK HOME MORTGAGE, LLC | $55,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $445,000 | $55,000 | -87.6% | 0.0% |
| United States Senate Federal Credit Union | $55,000 | $45,000 | -18.2% | 0.0% |
| BayCoast Bank | $55,000 | $35,000 | -36.4% | 0.0% |
| Centra Credit Union | $35,000 | n/a | 0.0% | |
| INTOUCH CREDIT UNION | $35,000 | n/a | 0.0% | |
| LAUNCH FEDERAL CREDIT UNION | $45,000 | $35,000 | -22.2% | 0.0% |
| Service Federal Credit Union | $35,000 | n/a | 0.0% |
LAKELAND - WINTER HAVEN's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 10.5% market share. In second place, with 5.9%, is DHI MORTGAGE COMPANY, LTD., having originated $323,695,000 in loans. In third place, with 4.8%, is EAGLE HOME MORTGAGE, LLC, having originated $262,890,000 in loans. In fourth place, with 4.4%, is QUICKEN LOANS, LLC, having originated $239,935,000 in loans. In fifth place, with 2.8%, is LOANDEPOT.COM, LLC, having originated $155,955,000 in loans.
LAKELAND-WINTER HAVEN, FL Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 15,100 | $4,450,700,000 | $294,748 |
| Cash Out Refi | 2,048 | $439,390,000 | $214,546 |
| Refi | 1,318 | $418,480,000 | $317,511 |
| Other | 1,249 | $105,165,000 | $84,199 |
| Home Improvement | 1,088 | $85,570,000 | $78,649 |
| NA | 10 | $2,510,000 | $251,000 |
Lakeland - Winter Haven's most frequently cited loan purpose was Home Purchase, with 15,100 originations. The 2nd most popular reason was Cash Out Refi, with 2,048 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 7,209 | $2,029,045,000 | $281,460 |
| 5-6% | 4,264 | $1,362,370,000 | $319,505 |
| 7-8% | 3,290 | $816,080,000 | $248,049 |
| Over 8% | 2,677 | $390,805,000 | $145,986 |
| 4-5% | 2,617 | $778,385,000 | $297,434 |
| <2.5% | 289 | $4,745,000 | $16,419 |
| 3-4% | 176 | $53,440,000 | $303,636 |
| 2.5-3% | 20 | $3,950,000 | $197,500 |
During 2024, Lakeland - Winter Haven's most frequently originated rate bucket was 6-7%, with 7,209 originations.
Loan Sizing (LAKELAND-WINTER HAVEN, FL MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 12,670 | $3,752,170,000 | $296,146 |
| $100,000 or less | 3,200 | $162,030,000 | $50,634 |
| $100k-200k | 3,169 | $481,795,000 | $152,034 |
| $400k-600k | 1,510 | $693,640,000 | $459,364 |
| $600k-1000k | 204 | $147,170,000 | $721,422 |
| $Over $1MM | 60 | $265,010,000 | $4,416,833 |
LAKELAND - WINTER HAVEN's loan sizing saw the bucket of loans from $200k-400k with 12,670 originations, totaling $3,752,170,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 11,197 | $3,512,035,000 | $313,659 |
| 60-80% | 3,758 | $1,097,650,000 | $292,084 |
| Under 20% | 2,207 | $100,345,000 | $45,467 |
| 20-40% | 1,357 | $152,435,000 | $112,332 |
| 40-60% | 1,290 | $350,810,000 | $271,946 |
| Over 100% | 316 | $109,580,000 | $346,772 |
LAKELAND - WINTER HAVEN's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 11,197 originations, totaling $3,512,035,000 in origination value.