Top Mortgage Lenders in Columbus, OH

Which mortgage lender in the Columbus, OH 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 Columbus, OH 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 Columbus, OH area in terms of interest rate is Third Federal Savings & Loan, with an average “Rate Difference” of -0.30%. This means that, comparing similar borrowers, Third Federal Savings & Loan provided a -0.30% lower interest rate for its customers than other lenders in the area. Third Federal Savings & Loan has a market share of 2.4%. On the other hand, the most popular lender in the Columbus, OH area is Quicken Loans, with a larger market share of 7.0%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.19% compared to those of other lenders. We recommend shopping around before going with this popular lender.

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

Ranking of Mortgage Lenders in Columbus, OH

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
Third Federal Savings & Loan	-0.30%	(5.0)	2.36%
Union Savings Bank	-0.26%	(5.0)	6.38%
myCUmortgage	-0.24%	(4.5)	0.21%
CF Bank	-0.23%	(4.5)	0.44%
Victory Mortgage	-0.15%	(4.5)	0.50%
JPMorgan Chase Bank	-0.15%	(4.5)	6.47%
Civista Bank	-0.13%	(4.0)	0.42%
Wright-Patt Credit Union Inc	-0.13%	(4.0)	0.70%
Keller Mortgage	-0.13%	(4.0)	0.37%
Equity Resources	-0.13%	(4.0)	2.33%
Huntington National Bank	-0.13%	(4.0)	6.85%
Navy Federal Credit Union	-0.13%	(4.0)	0.45%
Columbus Metro Federal Credit Union	-0.12%	(4.0)	0.17%
Pulte Mortgage LLC	-0.12%	(4.0)	1.07%
BMI Federal Credit Union	-0.12%	(4.0)	0.34%
First Federal Savings	-0.10%	(4.0)	0.41%
Telhio Credit Union	-0.10%	(4.0)	0.88%
State Bank and Trust Company	-0.10%	(4.0)	1.94%
Bank of America	-0.09%	(4.0)	0.65%
Honda Federal Credit Union	-0.09%	(4.0)	0.33%
Axos Bank	-0.09%	(4.0)	0.10%
Priority Mortgage	-0.09%	(4.0)	1.23%
WesBanco	-0.07%	(4.0)	0.25%
Provident Funding	-0.07%	(4.0)	0.22%
Caliber Home Loans	-0.06%	(4.0)	1.16%
Baxter Credit Union	-0.06%	(4.0)	0.16%
Amerisave Mortgage Corporation	-0.06%	(4.0)	0.24%
First Federal Lakewood	-0.06%	(4.0)	0.61%
Fifth Third Bank	-0.05%	(3.5)	3.20%
Sirva Mortgage	-0.04%	(3.5)	0.11%
Plaza Home Mortgage	-0.04%	(3.5)	0.10%
M/I Financial	-0.04%	(3.5)	0.91%
Peoples Bank OH WY KY	-0.03%	(3.5)	0.23%
The Union Bank Co	-0.03%	(3.5)	0.93%
Guaranteed Rate Affinity	-0.03%	(3.5)	0.53%
American Mortgage Service Company	-0.03%	(3.5)	0.80%
Village Capital	-0.03%	(3.5)	0.11%
North American Savings Bank	-0.03%	(3.5)	0.09%
Victory Community Bank	-0.03%	(3.5)	0.17%
Park National Bank	-0.02%	(3.5)	2.70%
Guaranty Home Mortgage Corporation	-0.02%	(3.5)	0.15%
Home Point Financial Corporation	-0.02%	(3.5)	0.48%
First Commonwealth Bank	-0.02%	(3.5)	0.55%
Guaranteed Rate	-0.02%	(3.5)	1.45%
USAA	-0.01%	(3.5)	0.79%
Developer’s Mortgage Company	-0.01%	(3.5)	0.15%
NBKC Bank	-0.01%	(3.5)	0.10%
Gateway First Bank	-0.01%	(3.5)	0.12%
Kemba Financial Credit Union	-0.01%	(3.5)	0.93%
RoundPoint Mortgage Servicing Corporation	-0.01%	(3.5)	0.10%
Ruoff Mortgage	-0.00%	(3.5)	1.42%
Independent Bank Michigan	0.00%	(3.5)	0.18%
New American Funding	0.00%	(3.5)	0.27%
Northpointe Bank	0.00%	(3.5)	0.18%
FirstBank TN	0.01%	(3.5)	0.08%
Lakeview Loan Servicing	0.01%	(3.5)	0.41%
emmloans	0.01%	(3.5)	0.08%
NewRez	0.01%	(3.5)	0.24%
PNC Bank	0.01%	(3.5)	2.90%
Planet Home Lending	0.01%	(3.5)	0.08%
East Coast Capital Corporation	0.02%	(3.5)	0.13%
First Community Mortgage	0.02%	(3.5)	0.16%
CME Federal Credit Union	0.02%	(3.5)	0.27%
Merchants National Bank	0.02%	(3.5)	0.11%
American Financing	0.03%	(3.5)	0.11%
Academy Mortgage Corporation Utah	0.03%	(3.5)	0.31%
First Merchants Bank	0.03%	(3.5)	0.39%
Land Home Financial Services	0.03%	(3.5)	0.22%
Nations Direct Mortgage	0.03%	(3.5)	0.11%
KeyBank	0.03%	(3.5)	0.62%
Polaris Home Funding Corp	0.03%	(3.5)	0.20%
Vinton County National Bank	0.03%	(3.5)	0.08%
First Federal Bank of Florida	0.04%	(3.5)	0.08%
Cardinal Financial Company	0.04%	(3.5)	0.14%
Bayshore Mortgage Funding	0.05%	(3.5)	0.08%
Synergy One Lending	0.05%	(3.5)	0.20%
Magnolia Bank	0.06%	(3.0)	0.13%
The Community Bank	0.06%	(3.0)	0.15%
Primary Residential Mortgage Inc	0.06%	(3.0)	0.16%
Stearns Home Loans	0.06%	(3.0)	0.18%
PennyMac Loan Services	0.06%	(3.0)	0.49%
Cason Home Loans	0.06%	(3.0)	0.31%
Movement Mortgage	0.06%	(3.0)	0.10%
UIF Corporation	0.07%	(3.0)	0.15%
Bank of England AR	0.07%	(3.0)	0.49%
Flagstar Bank	0.07%	(3.0)	0.91%
PrimeLending	0.07%	(3.0)	1.53%
Nations Lending Corporation	0.07%	(3.0)	0.17%
loanDepot	0.08%	(3.0)	0.97%
Wells Fargo Bank	0.08%	(3.0)	1.10%
The Federal Savings Bank	0.08%	(3.0)	0.42%
US Bank	0.08%	(3.0)	1.73%
TrueCore Federal Credit Union	0.08%	(3.0)	0.30%
NVR Mortgage Finance Inc	0.08%	(3.0)	0.40%
Evolve Bank & Trust	0.08%	(3.0)	0.31%
Carrington Mortgage Services	0.08%	(3.0)	0.63%
HomeBridge Financial Services	0.09%	(3.0)	0.25%
First Financial Bank	0.10%	(3.0)	1.32%
United Mortgage Corp	0.10%	(3.0)	0.27%
Reliance First Capital	0.10%	(3.0)	0.18%
Liberty Home Mortgage	0.10%	(3.0)	0.16%
Farm Credit Mid-America	0.11%	(3.0)	0.20%
PRMG Mortgage	0.12%	(3.0)	0.28%
Freedom Mortgage Corporation	0.12%	(3.0)	0.55%
FBC Mortgage	0.13%	(3.0)	0.20%
Hopewell Federal Credit Union	0.13%	(3.0)	0.25%
Revolution Mortgage	0.14%	(3.0)	1.65%
Rapid Mortgage Company	0.16%	(2.5)	0.82%
Union Home Mortgage	0.17%	(2.5)	3.80%
Royal United Mortgage	0.18%	(2.5)	0.12%
Hometown Lenders	0.19%	(2.5)	0.61%
SecurityNational Mortgage Company	0.19%	(2.5)	0.14%
Quicken Loans	0.19%	(2.5)	7.00%
Guidance Residential	0.20%	(2.5)	0.13%
Hallmark Home Mortgage	0.21%	(2.5)	0.31%
LendUS LLC	0.21%	(2.5)	2.15%
Fairway Independent Mortgage Corporation	0.21%	(2.5)	3.00%
Homeside Financial	0.23%	(2.5)	0.89%
Partners United Financial	0.23%	(2.5)	0.87%
NFM Lending	0.25%	(2.5)	1.96%
Premier Nationwide Lending	0.32%	(2.0)	0.21%
Mr. Cooper	0.35%	(1.5)	0.91%
NewDay USA	0.40%	(1.5)	0.17%

Lender Name	Rate Difference	Rate Rating	Market Share
Third Federal Savings & Loan	-0.32%	(5.0)	3.01%
myCUmortgage	-0.29%	(5.0)	0.32%
JPMorgan Chase Bank	-0.20%	(4.5)	5.51%
Union Savings Bank	-0.20%	(4.5)	3.10%
PNC Bank	-0.18%	(4.5)	2.08%
Civista Bank	-0.18%	(4.5)	0.53%
Victory Mortgage	-0.16%	(4.5)	0.66%
Keller Mortgage	-0.16%	(4.5)	0.52%
Telhio Credit Union	-0.16%	(4.5)	0.52%
Huntington National Bank	-0.15%	(4.0)	6.86%
CF Bank	-0.14%	(4.0)	0.28%
Fifth Third Bank	-0.14%	(4.0)	2.64%
Navy Federal Credit Union	-0.14%	(4.0)	0.63%
Wright-Patt Credit Union Inc	-0.13%	(4.0)	0.69%
Pulte Mortgage LLC	-0.13%	(4.0)	1.86%
Freedom Mortgage Corporation	-0.11%	(4.0)	0.40%
Honda Federal Credit Union	-0.11%	(4.0)	0.23%
BMI Federal Credit Union	-0.10%	(4.0)	0.30%
CME Federal Credit Union	-0.10%	(4.0)	0.15%
Lakeview Loan Servicing	-0.10%	(4.0)	0.10%
Equity Resources	-0.09%	(4.0)	2.40%
State Bank and Trust Company	-0.08%	(4.0)	2.19%
Bank of America	-0.08%	(4.0)	0.57%
Caliber Home Loans	-0.08%	(4.0)	1.20%
Priority Mortgage	-0.07%	(4.0)	1.55%
First Federal Savings	-0.07%	(4.0)	0.41%
First Federal Lakewood	-0.07%	(4.0)	0.64%
WesBanco	-0.06%	(4.0)	0.29%
Hopewell Federal Credit Union	-0.06%	(4.0)	0.11%
Peoples Bank OH WY KY	-0.06%	(4.0)	0.24%
Plaza Home Mortgage	-0.05%	(4.0)	0.16%
Baxter Credit Union	-0.05%	(4.0)	0.19%
Sirva Mortgage	-0.05%	(4.0)	0.17%
Merchants National Bank	-0.05%	(3.5)	0.08%
M/I Financial	-0.04%	(3.5)	1.59%
Kemba Financial Credit Union	-0.04%	(3.5)	0.24%
Wells Fargo Bank	-0.04%	(3.5)	0.91%
Columbus Metro Federal Credit Union	-0.04%	(3.5)	0.11%
Guaranteed Rate Affinity	-0.04%	(3.5)	0.82%
American Mortgage Service Company	-0.03%	(3.5)	1.28%
emmloans	-0.03%	(3.5)	0.08%
Home Point Financial Corporation	-0.03%	(3.5)	0.49%
Victory Community Bank	-0.03%	(3.5)	0.27%
The Union Bank Co	-0.03%	(3.5)	1.01%
North American Savings Bank	-0.03%	(3.5)	0.07%
loanDepot	-0.03%	(3.5)	0.35%
US Bank	-0.02%	(3.5)	1.48%
Provident Funding	-0.02%	(3.5)	0.14%
Gateway First Bank	-0.02%	(3.5)	0.17%
Developer’s Mortgage Company	-0.02%	(3.5)	0.22%
Guaranty Home Mortgage Corporation	-0.02%	(3.5)	0.17%
NBKC Bank	-0.02%	(3.5)	0.09%
First Commonwealth Bank	-0.02%	(3.5)	0.60%
The Community Bank	-0.02%	(3.5)	0.10%
Park National Bank	-0.01%	(3.5)	2.34%
Amerisave Mortgage Corporation	-0.00%	(3.5)	0.04%
Independent Bank Michigan	0.00%	(3.5)	0.20%
RoundPoint Mortgage Servicing Corporation	0.00%	(3.5)	0.02%
Axos Bank	0.00%	(3.5)	0.03%
Guaranteed Rate	0.01%	(3.5)	1.93%
KeyBank	0.01%	(3.5)	0.56%
Northpointe Bank	0.01%	(3.5)	0.19%
First Federal Bank of Florida	0.01%	(3.5)	0.03%
Cardinal Financial Company	0.01%	(3.5)	0.07%
American Financing	0.01%	(3.5)	0.01%
FirstBank TN	0.02%	(3.5)	0.05%
Vinton County National Bank	0.02%	(3.5)	0.07%
Ruoff Mortgage	0.02%	(3.5)	1.87%
USAA	0.02%	(3.5)	0.91%
Synergy One Lending	0.02%	(3.5)	0.14%
First Merchants Bank	0.02%	(3.5)	0.44%
East Coast Capital Corporation	0.03%	(3.5)	0.15%
First Community Mortgage	0.03%	(3.5)	0.16%
Primary Residential Mortgage Inc	0.03%	(3.5)	0.14%
TrueCore Federal Credit Union	0.03%	(3.5)	0.13%
PrimeLending	0.03%	(3.5)	1.96%
The Federal Savings Bank	0.03%	(3.5)	0.28%
Academy Mortgage Corporation Utah	0.03%	(3.5)	0.36%
New American Funding	0.03%	(3.5)	0.20%
Planet Home Lending	0.03%	(3.5)	0.04%
NewDay USA	0.04%	(3.5)	0.02%
Reliance First Capital	0.04%	(3.5)	0.02%
United Mortgage Corp	0.04%	(3.5)	0.11%
Polaris Home Funding Corp	0.04%	(3.5)	0.20%
Land Home Financial Services	0.05%	(3.5)	0.28%
Nations Direct Mortgage	0.05%	(3.5)	0.10%
Bank of England AR	0.06%	(3.0)	0.61%
Quicken Loans	0.06%	(3.0)	3.59%
Stearns Home Loans	0.06%	(3.0)	0.25%
UIF Corporation	0.06%	(3.0)	0.24%
Movement Mortgage	0.07%	(3.0)	0.15%
Cason Home Loans	0.07%	(3.0)	0.49%
Royal United Mortgage	0.07%	(3.0)	0.05%
Magnolia Bank	0.07%	(3.0)	0.11%
Bayshore Mortgage Funding	0.07%	(3.0)	0.10%
NVR Mortgage Finance Inc	0.07%	(3.0)	0.69%
NewRez	0.08%	(3.0)	0.07%
Flagstar Bank	0.08%	(3.0)	1.01%
Evolve Bank & Trust	0.09%	(3.0)	0.48%
PennyMac Loan Services	0.09%	(3.0)	0.25%
First Financial Bank	0.11%	(3.0)	1.71%
Nations Lending Corporation	0.11%	(3.0)	0.10%
Liberty Home Mortgage	0.11%	(3.0)	0.25%
HomeBridge Financial Services	0.12%	(3.0)	0.27%
FBC Mortgage	0.13%	(3.0)	0.34%
Farm Credit Mid-America	0.13%	(3.0)	0.20%
Carrington Mortgage Services	0.15%	(2.5)	0.25%
PRMG Mortgage	0.17%	(2.5)	0.30%
Rapid Mortgage Company	0.17%	(2.5)	1.27%
Revolution Mortgage	0.17%	(2.5)	2.28%
SecurityNational Mortgage Company	0.20%	(2.5)	0.21%
Hometown Lenders	0.20%	(2.5)	0.95%
Union Home Mortgage	0.21%	(2.5)	5.11%
Guidance Residential	0.21%	(2.5)	0.20%
Mr. Cooper	0.21%	(2.5)	0.40%
LendUS LLC	0.21%	(2.5)	3.38%
Homeside Financial	0.22%	(2.5)	1.06%
Hallmark Home Mortgage	0.23%	(2.5)	0.44%
Fairway Independent Mortgage Corporation	0.23%	(2.5)	4.68%
Partners United Financial	0.23%	(2.5)	1.35%
NFM Lending	0.27%	(2.0)	2.98%
Premier Nationwide Lending	0.32%	(2.0)	0.37%

Lender Name	Rate Difference	Rate Rating	Market Share
Union Savings Bank	-0.29%	(5.0)	10.77%
CF Bank	-0.28%	(5.0)	0.65%
Third Federal Savings & Loan	-0.26%	(5.0)	1.48%
Equity Resources	-0.20%	(4.5)	2.24%
Columbus Metro Federal Credit Union	-0.17%	(4.5)	0.25%
First Federal Savings	-0.15%	(4.0)	0.42%
Wright-Patt Credit Union Inc	-0.14%	(4.0)	0.70%
Victory Mortgage	-0.14%	(4.0)	0.29%
BMI Federal Credit Union	-0.13%	(4.0)	0.40%
Priority Mortgage	-0.13%	(4.0)	0.80%
State Bank and Trust Company	-0.12%	(4.0)	1.60%
JPMorgan Chase Bank	-0.11%	(4.0)	7.75%
Axos Bank	-0.10%	(4.0)	0.18%
Huntington National Bank	-0.10%	(4.0)	6.84%
Guaranteed Rate	-0.10%	(4.0)	0.80%
Bank of America	-0.10%	(4.0)	0.76%
Navy Federal Credit Union	-0.10%	(4.0)	0.21%
Baxter Credit Union	-0.09%	(4.0)	0.12%
Provident Funding	-0.09%	(4.0)	0.33%
USAA	-0.09%	(4.0)	0.62%
WesBanco	-0.08%	(4.0)	0.18%
Ruoff Mortgage	-0.08%	(4.0)	0.83%
Honda Federal Credit Union	-0.08%	(4.0)	0.47%
Telhio Credit Union	-0.06%	(4.0)	1.36%
Amerisave Mortgage Corporation	-0.06%	(4.0)	0.52%
Keller Mortgage	-0.04%	(3.5)	0.16%
Park National Bank	-0.04%	(3.5)	3.17%
First Federal Lakewood	-0.04%	(3.5)	0.58%
Caliber Home Loans	-0.04%	(3.5)	1.10%
Civista Bank	-0.03%	(3.5)	0.28%
The Union Bank Co	-0.03%	(3.5)	0.83%
Guaranty Home Mortgage Corporation	-0.03%	(3.5)	0.14%
Revolution Mortgage	-0.03%	(3.5)	0.80%
First Commonwealth Bank	-0.03%	(3.5)	0.47%
American Mortgage Service Company	-0.03%	(3.5)	0.15%
Land Home Financial Services	-0.03%	(3.5)	0.13%
North American Savings Bank	-0.02%	(3.5)	0.11%
Village Capital	-0.02%	(3.5)	0.26%
Guaranteed Rate Affinity	-0.02%	(3.5)	0.15%
New American Funding	-0.02%	(3.5)	0.35%
East Coast Capital Corporation	-0.01%	(3.5)	0.11%
Sirva Mortgage	-0.01%	(3.5)	0.02%
NBKC Bank	-0.01%	(3.5)	0.12%
Home Point Financial Corporation	-0.01%	(3.5)	0.46%
Victory Community Bank	-0.00%	(3.5)	0.04%
Northpointe Bank	-0.00%	(3.5)	0.17%
RoundPoint Mortgage Servicing Corporation	-0.00%	(3.5)	0.20%
Bayshore Mortgage Funding	-0.00%	(3.5)	0.07%
NewRez	-0.00%	(3.5)	0.46%
Peoples Bank OH WY KY	0.00%	(3.5)	0.23%
Kemba Financial Credit Union	0.00%	(3.5)	1.85%
Developer’s Mortgage Company	0.00%	(3.5)	0.05%
Planet Home Lending	0.01%	(3.5)	0.13%
Evolve Bank & Trust	0.01%	(3.5)	0.09%
FirstBank TN	0.01%	(3.5)	0.13%
Independent Bank Michigan	0.01%	(3.5)	0.15%
Cason Home Loans	0.01%	(3.5)	0.06%
Gateway First Bank	0.01%	(3.5)	0.06%
Pulte Mortgage LLC	0.01%	(3.5)	0.01%
Nations Direct Mortgage	0.01%	(3.5)	0.13%
Liberty Home Mortgage	0.01%	(3.5)	0.04%
Plaza Home Mortgage	0.01%	(3.5)	0.02%
Academy Mortgage Corporation Utah	0.01%	(3.5)	0.25%
Polaris Home Funding Corp	0.02%	(3.5)	0.21%
First Community Mortgage	0.02%	(3.5)	0.17%
Premier Nationwide Lending	0.02%	(3.5)	0.01%
UIF Corporation	0.03%	(3.5)	0.02%
Lakeview Loan Servicing	0.03%	(3.5)	0.84%
Stearns Home Loans	0.03%	(3.5)	0.07%
American Financing	0.03%	(3.5)	0.24%
Movement Mortgage	0.03%	(3.5)	0.03%
First Merchants Bank	0.03%	(3.5)	0.33%
Hometown Lenders	0.04%	(3.5)	0.15%
Fifth Third Bank	0.04%	(3.5)	3.95%
PRMG Mortgage	0.04%	(3.5)	0.26%
Rapid Mortgage Company	0.04%	(3.5)	0.22%
Magnolia Bank	0.04%	(3.5)	0.15%
Union Home Mortgage	0.05%	(3.5)	2.05%
Flagstar Bank	0.05%	(3.5)	0.77%
First Federal Bank of Florida	0.05%	(3.5)	0.15%
HomeBridge Financial Services	0.05%	(3.5)	0.22%
First Financial Bank	0.05%	(3.0)	0.80%
Vinton County National Bank	0.05%	(3.0)	0.09%
PennyMac Loan Services	0.05%	(3.0)	0.80%
Nations Lending Corporation	0.05%	(3.0)	0.26%
Fairway Independent Mortgage Corporation	0.06%	(3.0)	0.74%
NFM Lending	0.06%	(3.0)	0.60%
KeyBank	0.06%	(3.0)	0.70%
Cardinal Financial Company	0.06%	(3.0)	0.23%
Guidance Residential	0.06%	(3.0)	0.03%
emmloans	0.07%	(3.0)	0.08%
Carrington Mortgage Services	0.07%	(3.0)	1.13%
Synergy One Lending	0.07%	(3.0)	0.28%
Farm Credit Mid-America	0.07%	(3.0)	0.19%
Merchants National Bank	0.07%	(3.0)	0.16%
myCUmortgage	0.08%	(3.0)	0.06%
SecurityNational Mortgage Company	0.08%	(3.0)	0.04%
CME Federal Credit Union	0.08%	(3.0)	0.43%
Primary Residential Mortgage Inc	0.08%	(3.0)	0.20%
Bank of England AR	0.09%	(3.0)	0.32%
TrueCore Federal Credit Union	0.10%	(3.0)	0.53%
The Community Bank	0.10%	(3.0)	0.22%
loanDepot	0.11%	(3.0)	1.81%
The Federal Savings Bank	0.11%	(3.0)	0.61%
Reliance First Capital	0.11%	(3.0)	0.40%
Hallmark Home Mortgage	0.11%	(3.0)	0.13%
LendUS LLC	0.12%	(3.0)	0.51%
United Mortgage Corp	0.12%	(3.0)	0.49%
PNC Bank	0.15%	(3.0)	4.00%
PrimeLending	0.17%	(2.5)	0.96%
US Bank	0.18%	(2.5)	2.06%
Wells Fargo Bank	0.18%	(2.5)	1.34%
Hopewell Federal Credit Union	0.20%	(2.5)	0.45%
Partners United Financial	0.21%	(2.5)	0.23%
Royal United Mortgage	0.23%	(2.5)	0.22%
Homeside Financial	0.23%	(2.5)	0.67%
Quicken Loans	0.25%	(2.0)	11.57%
Freedom Mortgage Corporation	0.29%	(2.0)	0.76%
Mr. Cooper	0.40%	(1.5)	1.60%
NewDay USA	0.43%	(1.5)	0.36%

Lender Name	Rate Difference	Rate Rating	Market Share
Third Federal Savings & Loan	-0.30%	(5.0)	3.02%
Union Savings Bank	-0.26%	(5.0)	7.67%
CF Bank	-0.24%	(4.5)	0.55%
Victory Mortgage	-0.16%	(4.5)	0.51%
JPMorgan Chase Bank	-0.16%	(4.5)	8.00%
Civista Bank	-0.14%	(4.0)	0.51%
Wright-Patt Credit Union Inc	-0.14%	(4.0)	0.83%
Pulte Mortgage LLC	-0.14%	(4.0)	1.11%
Keller Mortgage	-0.13%	(4.0)	0.39%
Columbus Metro Federal Credit Union	-0.12%	(4.0)	0.22%
BMI Federal Credit Union	-0.11%	(4.0)	0.44%
Equity Resources	-0.10%	(4.0)	2.26%
First Federal Savings	-0.10%	(4.0)	0.53%
Axos Bank	-0.09%	(4.0)	0.11%
Telhio Credit Union	-0.09%	(4.0)	1.12%
Bank of America	-0.09%	(4.0)	0.76%
Huntington National Bank	-0.09%	(4.0)	7.14%
State Bank and Trust Company	-0.09%	(4.0)	2.29%
Honda Federal Credit Union	-0.09%	(4.0)	0.43%
Priority Mortgage	-0.08%	(4.0)	1.52%
Amerisave Mortgage Corporation	-0.07%	(4.0)	0.25%
Provident Funding	-0.06%	(4.0)	0.29%
WesBanco	-0.06%	(4.0)	0.29%
Baxter Credit Union	-0.06%	(4.0)	0.20%
First Federal Lakewood	-0.06%	(4.0)	0.65%
Sirva Mortgage	-0.04%	(3.5)	0.12%
The Union Bank Co	-0.04%	(3.5)	0.92%
M/I Financial	-0.03%	(3.5)	0.97%
Fifth Third Bank	-0.03%	(3.5)	3.60%
Peoples Bank OH WY KY	-0.03%	(3.5)	0.30%
Guaranteed Rate Affinity	-0.03%	(3.5)	0.54%
Ruoff Mortgage	-0.03%	(3.5)	1.28%
Gateway First Bank	-0.02%	(3.5)	0.12%
Planet Home Lending	-0.02%	(3.5)	0.05%
Park National Bank	-0.02%	(3.5)	3.37%
New American Funding	-0.02%	(3.5)	0.17%
Guaranty Home Mortgage Corporation	-0.02%	(3.5)	0.19%
First Commonwealth Bank	-0.01%	(3.5)	0.57%
Victory Community Bank	-0.01%	(3.5)	0.14%
Guaranteed Rate	-0.01%	(3.5)	1.49%
Kemba Financial Credit Union	-0.00%	(3.5)	1.19%
RoundPoint Mortgage Servicing Corporation	-0.00%	(3.5)	0.10%
Developer’s Mortgage Company	0.00%	(3.5)	0.13%
Northpointe Bank	0.00%	(3.5)	0.15%
Land Home Financial Services	0.01%	(3.5)	0.13%
Independent Bank Michigan	0.01%	(3.5)	0.20%
North American Savings Bank	0.01%	(3.5)	0.04%
FirstBank TN	0.01%	(3.5)	0.09%
NewRez	0.02%	(3.5)	0.20%
NBKC Bank	0.02%	(3.5)	0.08%
PNC Bank	0.02%	(3.5)	3.52%
First Federal Bank of Florida	0.02%	(3.5)	0.04%
Merchants National Bank	0.03%	(3.5)	0.15%
CME Federal Credit Union	0.03%	(3.5)	0.33%
emmloans	0.03%	(3.5)	0.07%
Home Point Financial Corporation	0.03%	(3.5)	0.32%
Plaza Home Mortgage	0.04%	(3.5)	0.04%
First Community Mortgage	0.04%	(3.5)	0.16%
KeyBank	0.04%	(3.5)	0.73%
First Merchants Bank	0.04%	(3.5)	0.47%
Vinton County National Bank	0.04%	(3.5)	0.10%
East Coast Capital Corporation	0.05%	(3.5)	0.07%
Cardinal Financial Company	0.05%	(3.5)	0.10%
American Mortgage Service Company	0.05%	(3.0)	0.57%
Cason Home Loans	0.05%	(3.0)	0.16%
Synergy One Lending	0.06%	(3.0)	0.13%
Caliber Home Loans	0.06%	(3.0)	0.79%
The Community Bank	0.06%	(3.0)	0.19%
Bayshore Mortgage Funding	0.07%	(3.0)	0.05%
Academy Mortgage Corporation Utah	0.07%	(3.0)	0.24%
USAA	0.07%	(3.0)	0.32%
UIF Corporation	0.07%	(3.0)	0.19%
American Financing	0.07%	(3.0)	0.09%
Magnolia Bank	0.08%	(3.0)	0.07%
The Federal Savings Bank	0.08%	(3.0)	0.13%
Movement Mortgage	0.08%	(3.0)	0.06%
Evolve Bank & Trust	0.08%	(3.0)	0.27%
Lakeview Loan Servicing	0.08%	(3.0)	0.09%
Primary Residential Mortgage Inc	0.08%	(3.0)	0.08%
PrimeLending	0.09%	(3.0)	1.71%
Liberty Home Mortgage	0.09%	(3.0)	0.03%
myCUmortgage	0.09%	(3.0)	0.05%
TrueCore Federal Credit Union	0.09%	(3.0)	0.37%
US Bank	0.09%	(3.0)	1.99%
Wells Fargo Bank	0.09%	(3.0)	1.24%
NVR Mortgage Finance Inc	0.09%	(3.0)	0.46%
Bank of England AR	0.10%	(3.0)	0.44%
loanDepot	0.11%	(3.0)	0.73%
Nations Direct Mortgage	0.11%	(3.0)	0.03%
Nations Lending Corporation	0.11%	(3.0)	0.09%
Polaris Home Funding Corp	0.11%	(3.0)	0.06%
Stearns Home Loans	0.12%	(3.0)	0.04%
Farm Credit Mid-America	0.12%	(3.0)	0.21%
First Financial Bank	0.12%	(3.0)	1.43%
HomeBridge Financial Services	0.12%	(3.0)	0.11%
Carrington Mortgage Services	0.13%	(3.0)	0.21%
Hopewell Federal Credit Union	0.14%	(3.0)	0.33%
Revolution Mortgage	0.14%	(3.0)	2.11%
FBC Mortgage	0.14%	(3.0)	0.09%
Flagstar Bank	0.14%	(3.0)	0.77%
United Mortgage Corp	0.15%	(2.5)	0.17%
PRMG Mortgage	0.16%	(2.5)	0.18%
Union Home Mortgage	0.16%	(2.5)	3.76%
Navy Federal Credit Union	0.17%	(2.5)	0.18%
Rapid Mortgage Company	0.17%	(2.5)	0.64%
Reliance First Capital	0.17%	(2.5)	0.09%
Fairway Independent Mortgage Corporation	0.18%	(2.5)	2.84%
PennyMac Loan Services	0.18%	(2.5)	0.17%
Hallmark Home Mortgage	0.19%	(2.5)	0.20%
Guidance Residential	0.20%	(2.5)	0.16%
LendUS LLC	0.21%	(2.5)	1.67%
Hometown Lenders	0.21%	(2.5)	0.46%
Royal United Mortgage	0.24%	(2.5)	0.11%
NFM Lending	0.25%	(2.5)	1.78%
Homeside Financial	0.25%	(2.5)	0.78%
SecurityNational Mortgage Company	0.25%	(2.5)	0.12%
Partners United Financial	0.28%	(2.0)	0.81%
Freedom Mortgage Corporation	0.29%	(2.0)	0.15%
Quicken Loans	0.30%	(2.0)	5.88%
Premier Nationwide Lending	0.39%	(1.5)	0.16%
Mr. Cooper	0.58%	(1.0)	0.47%

Lender Name	Rate Difference	Rate Rating	Market Share
Third Federal Savings & Loan	-0.32%	(5.0)	3.97%
JPMorgan Chase Bank	-0.21%	(4.5)	6.87%
PNC Bank	-0.19%	(4.5)	2.54%
Civista Bank	-0.18%	(4.5)	0.66%
Union Savings Bank	-0.17%	(4.5)	3.48%
Victory Mortgage	-0.17%	(4.5)	0.66%
Keller Mortgage	-0.16%	(4.5)	0.56%
Telhio Credit Union	-0.15%	(4.5)	0.69%
CF Bank	-0.14%	(4.0)	0.36%
Pulte Mortgage LLC	-0.14%	(4.0)	1.99%
Fifth Third Bank	-0.13%	(4.0)	2.88%
Wright-Patt Credit Union Inc	-0.13%	(4.0)	0.85%
Honda Federal Credit Union	-0.10%	(4.0)	0.30%
BMI Federal Credit Union	-0.10%	(4.0)	0.40%
CME Federal Credit Union	-0.10%	(4.0)	0.19%
Huntington National Bank	-0.08%	(4.0)	6.93%
Bank of America	-0.08%	(4.0)	0.66%
State Bank and Trust Company	-0.07%	(4.0)	2.56%
First Federal Lakewood	-0.07%	(4.0)	0.68%
Priority Mortgage	-0.07%	(4.0)	1.98%
First Federal Savings	-0.06%	(4.0)	0.54%
Hopewell Federal Credit Union	-0.06%	(4.0)	0.14%
Peoples Bank OH WY KY	-0.06%	(4.0)	0.31%
WesBanco	-0.05%	(4.0)	0.35%
Sirva Mortgage	-0.05%	(4.0)	0.20%
Baxter Credit Union	-0.05%	(3.5)	0.24%
The Union Bank Co	-0.04%	(3.5)	0.99%
Merchants National Bank	-0.04%	(3.5)	0.11%
Wells Fargo Bank	-0.04%	(3.5)	0.98%
M/I Financial	-0.04%	(3.5)	1.74%
Gateway First Bank	-0.04%	(3.5)	0.17%
Kemba Financial Credit Union	-0.04%	(3.5)	0.32%
Guaranteed Rate Affinity	-0.03%	(3.5)	0.85%
loanDepot	-0.03%	(3.5)	0.25%
Columbus Metro Federal Credit Union	-0.03%	(3.5)	0.14%
US Bank	-0.02%	(3.5)	1.72%
Provident Funding	-0.02%	(3.5)	0.18%
emmloans	-0.02%	(3.5)	0.08%
Victory Community Bank	-0.02%	(3.5)	0.23%
Guaranty Home Mortgage Corporation	-0.01%	(3.5)	0.22%
The Community Bank	-0.01%	(3.5)	0.13%
Amerisave Mortgage Corporation	-0.01%	(3.5)	0.03%
Ruoff Mortgage	-0.01%	(3.5)	1.63%
Primary Residential Mortgage Inc	-0.01%	(3.5)	0.03%
Developer’s Mortgage Company	-0.00%	(3.5)	0.19%
First Commonwealth Bank	-0.00%	(3.5)	0.65%
Equity Resources	-0.00%	(3.5)	2.09%
Park National Bank	-0.00%	(3.5)	2.99%
Axos Bank	0.00%	(3.5)	0.03%
Independent Bank Michigan	0.00%	(3.5)	0.24%
Planet Home Lending	0.01%	(3.5)	0.03%
North American Savings Bank	0.01%	(3.5)	0.03%
Northpointe Bank	0.01%	(3.5)	0.14%
Guaranteed Rate	0.01%	(3.5)	2.12%
KeyBank	0.01%	(3.5)	0.69%
NBKC Bank	0.02%	(3.5)	0.07%
First Federal Bank of Florida	0.02%	(3.5)	0.03%
American Financing	0.02%	(3.5)	0.02%
RoundPoint Mortgage Servicing Corporation	0.02%	(3.5)	0.01%
Lakeview Loan Servicing	0.02%	(3.5)	0.04%
FirstBank TN	0.02%	(3.5)	0.06%
Vinton County National Bank	0.02%	(3.5)	0.09%
Cardinal Financial Company	0.02%	(3.5)	0.04%
Land Home Financial Services	0.03%	(3.5)	0.15%
PennyMac Loan Services	0.03%	(3.5)	0.06%
Plaza Home Mortgage	0.03%	(3.5)	0.07%
Carrington Mortgage Services	0.03%	(3.5)	0.04%
Caliber Home Loans	0.04%	(3.5)	0.94%
Home Point Financial Corporation	0.04%	(3.5)	0.35%
First Merchants Bank	0.04%	(3.5)	0.53%
PrimeLending	0.04%	(3.5)	2.19%
Reliance First Capital	0.04%	(3.5)	0.02%
Synergy One Lending	0.05%	(3.5)	0.11%
First Community Mortgage	0.05%	(3.0)	0.14%
American Mortgage Service Company	0.05%	(3.0)	0.93%
New American Funding	0.05%	(3.0)	0.12%
Cason Home Loans	0.05%	(3.0)	0.26%
TrueCore Federal Credit Union	0.05%	(3.0)	0.14%
United Mortgage Corp	0.06%	(3.0)	0.09%
myCUmortgage	0.06%	(3.0)	0.05%
UIF Corporation	0.07%	(3.0)	0.32%
Freedom Mortgage Corporation	0.07%	(3.0)	0.06%
Bayshore Mortgage Funding	0.08%	(3.0)	0.06%
Movement Mortgage	0.08%	(3.0)	0.10%
East Coast Capital Corporation	0.09%	(3.0)	0.07%
USAA	0.09%	(3.0)	0.40%
NVR Mortgage Finance Inc	0.09%	(3.0)	0.83%
Academy Mortgage Corporation Utah	0.09%	(3.0)	0.28%
The Federal Savings Bank	0.09%	(3.0)	0.16%
Magnolia Bank	0.09%	(3.0)	0.08%
Evolve Bank & Trust	0.09%	(3.0)	0.40%
Bank of England AR	0.09%	(3.0)	0.58%
Royal United Mortgage	0.10%	(3.0)	0.04%
Liberty Home Mortgage	0.11%	(3.0)	0.04%
NewRez	0.11%	(3.0)	0.07%
Polaris Home Funding Corp	0.13%	(3.0)	0.06%
HomeBridge Financial Services	0.13%	(3.0)	0.17%
Stearns Home Loans	0.13%	(3.0)	0.06%
Quicken Loans	0.13%	(3.0)	3.09%
FBC Mortgage	0.14%	(3.0)	0.17%
First Financial Bank	0.14%	(3.0)	1.94%
Farm Credit Mid-America	0.14%	(3.0)	0.23%
Nations Lending Corporation	0.16%	(2.5)	0.07%
Nations Direct Mortgage	0.16%	(2.5)	0.03%
Mr. Cooper	0.16%	(2.5)	0.07%
Revolution Mortgage	0.18%	(2.5)	3.03%
Flagstar Bank	0.19%	(2.5)	0.82%
Rapid Mortgage Company	0.19%	(2.5)	0.97%
Union Home Mortgage	0.19%	(2.5)	4.97%
PRMG Mortgage	0.19%	(2.5)	0.23%
Fairway Independent Mortgage Corporation	0.19%	(2.5)	4.56%
Hallmark Home Mortgage	0.19%	(2.5)	0.28%
Navy Federal Credit Union	0.20%	(2.5)	0.25%
LendUS LLC	0.21%	(2.5)	2.59%
Guidance Residential	0.22%	(2.5)	0.26%
Hometown Lenders	0.23%	(2.5)	0.73%
Homeside Financial	0.24%	(2.5)	0.91%
NFM Lending	0.27%	(2.0)	2.78%
SecurityNational Mortgage Company	0.28%	(2.0)	0.17%
Partners United Financial	0.28%	(2.0)	1.26%
Premier Nationwide Lending	0.40%	(1.5)	0.27%

Lender Name	Rate Difference	Rate Rating	Market Share
Union Savings Bank	-0.28%	(5.0)	12.89%
CF Bank	-0.28%	(5.0)	0.79%
Third Federal Savings & Loan	-0.25%	(5.0)	1.83%
Equity Resources	-0.20%	(4.5)	2.46%
Columbus Metro Federal Credit Union	-0.16%	(4.5)	0.30%
Victory Mortgage	-0.15%	(4.0)	0.32%
Wright-Patt Credit Union Inc	-0.14%	(4.0)	0.81%
First Federal Savings	-0.14%	(4.0)	0.52%
BMI Federal Credit Union	-0.13%	(4.0)	0.48%
Priority Mortgage	-0.13%	(4.0)	0.95%
State Bank and Trust Company	-0.11%	(4.0)	1.95%
JPMorgan Chase Bank	-0.10%	(4.0)	9.40%
Axos Bank	-0.10%	(4.0)	0.21%
Guaranteed Rate	-0.10%	(4.0)	0.70%
Bank of America	-0.10%	(4.0)	0.88%
Huntington National Bank	-0.09%	(4.0)	7.39%
Ruoff Mortgage	-0.09%	(4.0)	0.84%
Baxter Credit Union	-0.08%	(4.0)	0.14%
Provident Funding	-0.08%	(4.0)	0.41%
WesBanco	-0.08%	(4.0)	0.23%
Honda Federal Credit Union	-0.07%	(4.0)	0.58%
Amerisave Mortgage Corporation	-0.07%	(4.0)	0.52%
New American Funding	-0.06%	(4.0)	0.22%
Telhio Credit Union	-0.06%	(4.0)	1.66%
Keller Mortgage	-0.04%	(3.5)	0.17%
First Federal Lakewood	-0.04%	(3.5)	0.62%
The Union Bank Co	-0.04%	(3.5)	0.85%
Land Home Financial Services	-0.03%	(3.5)	0.10%
Park National Bank	-0.03%	(3.5)	3.84%
Planet Home Lending	-0.03%	(3.5)	0.08%
First Commonwealth Bank	-0.03%	(3.5)	0.47%
Civista Bank	-0.03%	(3.5)	0.32%
Guaranty Home Mortgage Corporation	-0.03%	(3.5)	0.16%
Revolution Mortgage	-0.02%	(3.5)	0.97%
Guaranteed Rate Affinity	-0.02%	(3.5)	0.15%
Northpointe Bank	-0.00%	(3.5)	0.15%
East Coast Capital Corporation	-0.00%	(3.5)	0.08%
Sirva Mortgage	-0.00%	(3.5)	0.02%
Victory Community Bank	0.00%	(3.5)	0.04%
NewRez	0.00%	(3.5)	0.37%
RoundPoint Mortgage Servicing Corporation	0.00%	(3.5)	0.21%
Peoples Bank OH WY KY	0.01%	(3.5)	0.28%
Kemba Financial Credit Union	0.01%	(3.5)	2.28%
Evolve Bank & Trust	0.01%	(3.5)	0.10%
American Mortgage Service Company	0.01%	(3.5)	0.11%
Independent Bank Michigan	0.01%	(3.5)	0.16%
Developer’s Mortgage Company	0.01%	(3.5)	0.04%
FirstBank TN	0.01%	(3.5)	0.13%
Gateway First Bank	0.02%	(3.5)	0.05%
North American Savings Bank	0.02%	(3.5)	0.06%
Pulte Mortgage LLC	0.02%	(3.5)	0.01%
USAA	0.02%	(3.5)	0.21%
NBKC Bank	0.02%	(3.5)	0.09%
Cason Home Loans	0.02%	(3.5)	0.04%
Navy Federal Credit Union	0.02%	(3.5)	0.08%
First Federal Bank of Florida	0.02%	(3.5)	0.04%
First Community Mortgage	0.03%	(3.5)	0.19%
Home Point Financial Corporation	0.03%	(3.5)	0.29%
Academy Mortgage Corporation Utah	0.03%	(3.5)	0.20%
Plaza Home Mortgage	0.03%	(3.5)	0.01%
Premier Nationwide Lending	0.03%	(3.5)	0.01%
UIF Corporation	0.03%	(3.5)	0.03%
Liberty Home Mortgage	0.04%	(3.5)	0.02%
Bayshore Mortgage Funding	0.04%	(3.5)	0.03%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	0.69%
First Merchants Bank	0.04%	(3.5)	0.39%
Movement Mortgage	0.04%	(3.5)	0.02%
Rapid Mortgage Company	0.05%	(3.5)	0.21%
Hometown Lenders	0.05%	(3.5)	0.14%
Union Home Mortgage	0.05%	(3.0)	2.24%
The Federal Savings Bank	0.05%	(3.0)	0.10%
Fifth Third Bank	0.05%	(3.0)	4.49%
Cardinal Financial Company	0.06%	(3.0)	0.16%
Vinton County National Bank	0.06%	(3.0)	0.12%
Magnolia Bank	0.06%	(3.0)	0.07%
Nations Direct Mortgage	0.06%	(3.0)	0.03%
First Financial Bank	0.07%	(3.0)	0.79%
Synergy One Lending	0.07%	(3.0)	0.15%
KeyBank	0.07%	(3.0)	0.78%
PRMG Mortgage	0.07%	(3.0)	0.12%
Guidance Residential	0.07%	(3.0)	0.04%
Flagstar Bank	0.07%	(3.0)	0.70%
Stearns Home Loans	0.08%	(3.0)	0.03%
Merchants National Bank	0.08%	(3.0)	0.20%
NFM Lending	0.08%	(3.0)	0.55%
Nations Lending Corporation	0.08%	(3.0)	0.12%
American Financing	0.09%	(3.0)	0.17%
Farm Credit Mid-America	0.09%	(3.0)	0.19%
HomeBridge Financial Services	0.09%	(3.0)	0.05%
SecurityNational Mortgage Company	0.09%	(3.0)	0.05%
CME Federal Credit Union	0.09%	(3.0)	0.51%
Polaris Home Funding Corp	0.10%	(3.0)	0.06%
emmloans	0.10%	(3.0)	0.06%
TrueCore Federal Credit Union	0.10%	(3.0)	0.66%
Lakeview Loan Servicing	0.11%	(3.0)	0.14%
Bank of England AR	0.11%	(3.0)	0.27%
The Community Bank	0.11%	(3.0)	0.27%
Caliber Home Loans	0.11%	(3.0)	0.60%
Primary Residential Mortgage Inc	0.12%	(3.0)	0.14%
myCUmortgage	0.12%	(3.0)	0.06%
LendUS LLC	0.14%	(3.0)	0.53%
loanDepot	0.15%	(3.0)	1.33%
Carrington Mortgage Services	0.15%	(3.0)	0.41%
PNC Bank	0.16%	(2.5)	4.73%
Hallmark Home Mortgage	0.18%	(2.5)	0.10%
PrimeLending	0.19%	(2.5)	1.10%
US Bank	0.20%	(2.5)	2.33%
United Mortgage Corp	0.20%	(2.5)	0.27%
Wells Fargo Bank	0.20%	(2.5)	1.56%
Reliance First Capital	0.20%	(2.5)	0.17%
Hopewell Federal Credit Union	0.21%	(2.5)	0.55%
PennyMac Loan Services	0.22%	(2.5)	0.32%
Partners United Financial	0.24%	(2.5)	0.26%
Homeside Financial	0.26%	(2.0)	0.61%
Royal United Mortgage	0.28%	(2.0)	0.20%
Freedom Mortgage Corporation	0.36%	(1.5)	0.26%
Quicken Loans	0.38%	(1.5)	9.35%
Mr. Cooper	0.62%	(1.0)	0.97%

Lender Name	Rate Difference	Rate Rating	Market Share
Huntington National Bank	-0.41%	(5.0)	6.12%
myCUmortgage	-0.34%	(5.0)	1.18%
Union Savings Bank	-0.31%	(5.0)	2.08%
Equity Resources	-0.31%	(5.0)	2.60%
Caliber Home Loans	-0.27%	(5.0)	2.60%
Fifth Third Bank	-0.20%	(4.5)	1.07%
State Bank and Trust Company	-0.20%	(4.5)	0.70%
American Mortgage Service Company	-0.20%	(4.5)	1.63%
Victory Mortgage	-0.18%	(4.5)	0.33%
Keller Mortgage	-0.17%	(4.5)	0.33%
Plaza Home Mortgage	-0.14%	(4.0)	0.35%
WesBanco	-0.12%	(4.0)	0.12%
First Commonwealth Bank	-0.11%	(4.0)	0.32%
First Financial Bank	-0.11%	(4.0)	0.37%
Flagstar Bank	-0.10%	(4.0)	1.36%
Home Point Financial Corporation	-0.10%	(4.0)	1.05%
M/I Financial	-0.10%	(4.0)	0.63%
Pulte Mortgage LLC	-0.09%	(4.0)	1.02%
PNC Bank	-0.09%	(4.0)	0.42%
First Merchants Bank	-0.08%	(4.0)	0.13%
American Financing	-0.08%	(4.0)	0.25%
Bank of America	-0.08%	(4.0)	0.12%
Victory Community Bank	-0.07%	(4.0)	0.32%
Academy Mortgage Corporation Utah	-0.07%	(4.0)	0.57%
Developer’s Mortgage Company	-0.07%	(4.0)	0.20%
Quicken Loans	-0.07%	(4.0)	12.56%
TrueCore Federal Credit Union	-0.06%	(4.0)	0.10%
NewRez	-0.06%	(4.0)	0.33%
Civista Bank	-0.06%	(4.0)	0.08%
emmloans	-0.05%	(3.5)	0.17%
Guaranteed Rate Affinity	-0.05%	(3.5)	0.55%
Navy Federal Credit Union	-0.04%	(3.5)	0.10%
Freedom Mortgage Corporation	-0.04%	(3.5)	1.93%
First Federal Lakewood	-0.04%	(3.5)	0.20%
KeyBank	-0.04%	(3.5)	0.08%
North American Savings Bank	-0.04%	(3.5)	0.08%
RoundPoint Mortgage Servicing Corporation	-0.03%	(3.5)	0.10%
The Federal Savings Bank	-0.03%	(3.5)	0.58%
Bank of England AR	-0.03%	(3.5)	0.82%
East Coast Capital Corporation	-0.03%	(3.5)	0.43%
Amerisave Mortgage Corporation	-0.03%	(3.5)	0.22%
First Community Mortgage	-0.02%	(3.5)	0.22%
Polaris Home Funding Corp	-0.02%	(3.5)	0.70%
PrimeLending	-0.02%	(3.5)	0.82%
Village Capital	-0.02%	(3.5)	0.40%
Nations Direct Mortgage	-0.02%	(3.5)	0.40%
First Federal Bank of Florida	-0.01%	(3.5)	0.10%
FirstBank TN	-0.01%	(3.5)	0.02%
Independent Bank Michigan	-0.01%	(3.5)	0.03%
Guaranty Home Mortgage Corporation	-0.01%	(3.5)	0.02%
The Union Bank Co	-0.01%	(3.5)	1.26%
Axos Bank	-0.01%	(3.5)	0.07%
Northpointe Bank	0.00%	(3.5)	0.35%
NVR Mortgage Finance Inc	0.00%	(3.5)	0.27%
US Bank	0.01%	(3.5)	0.73%
New American Funding	0.01%	(3.5)	0.78%
Synergy One Lending	0.01%	(3.5)	0.30%
Gateway First Bank	0.01%	(3.5)	0.10%
Guaranteed Rate	0.02%	(3.5)	0.90%
Primary Residential Mortgage Inc	0.02%	(3.5)	0.55%
Magnolia Bank	0.02%	(3.5)	0.27%
Planet Home Lending	0.02%	(3.5)	0.20%
JPMorgan Chase Bank	0.02%	(3.5)	0.03%
Nations Lending Corporation	0.02%	(3.5)	0.50%
Lakeview Loan Servicing	0.02%	(3.5)	1.55%
Priority Mortgage	0.03%	(3.5)	0.03%
Carrington Mortgage Services	0.03%	(3.5)	2.55%
Stearns Home Loans	0.03%	(3.5)	0.87%
Reliance First Capital	0.03%	(3.5)	0.63%
Wells Fargo Bank	0.03%	(3.5)	0.07%
Cardinal Financial Company	0.03%	(3.5)	0.42%
Movement Mortgage	0.04%	(3.5)	0.30%
United Mortgage Corp	0.04%	(3.5)	0.75%
Park National Bank	0.04%	(3.5)	0.15%
Royal United Mortgage	0.05%	(3.5)	0.23%
Bayshore Mortgage Funding	0.05%	(3.0)	0.17%
Ruoff Mortgage	0.05%	(3.0)	2.38%
PennyMac Loan Services	0.05%	(3.0)	1.46%
NewDay USA	0.06%	(3.0)	0.07%
Cason Home Loans	0.07%	(3.0)	1.03%
Land Home Financial Services	0.07%	(3.0)	0.52%
SecurityNational Mortgage Company	0.07%	(3.0)	0.27%
PRMG Mortgage	0.08%	(3.0)	0.80%
HomeBridge Financial Services	0.08%	(3.0)	0.77%
Evolve Bank & Trust	0.09%	(3.0)	0.55%
Liberty Home Mortgage	0.09%	(3.0)	0.92%
loanDepot	0.10%	(3.0)	1.60%
FBC Mortgage	0.11%	(3.0)	0.75%
Rapid Mortgage Company	0.13%	(3.0)	1.78%
Partners United Financial	0.14%	(3.0)	1.23%
Hometown Lenders	0.17%	(2.5)	1.40%
Mr. Cooper	0.19%	(2.5)	3.23%
Homeside Financial	0.19%	(2.5)	1.80%
LendUS LLC	0.21%	(2.5)	4.98%
Premier Nationwide Lending	0.23%	(2.5)	0.58%
Hallmark Home Mortgage	0.26%	(2.0)	0.85%
Union Home Mortgage	0.27%	(2.0)	4.59%
NFM Lending	0.29%	(2.0)	3.10%
Fairway Independent Mortgage Corporation	0.32%	(2.0)	4.48%

Lender Name	Rate Difference	Rate Rating	Market Share
Huntington National Bank	-0.46%	(5.0)	6.78%
Union Savings Bank	-0.36%	(5.0)	2.12%
myCUmortgage	-0.36%	(5.0)	1.64%
Equity Resources	-0.33%	(5.0)	3.39%
Caliber Home Loans	-0.33%	(5.0)	2.09%
Fifth Third Bank	-0.25%	(5.0)	1.18%
State Bank and Trust Company	-0.20%	(4.5)	1.01%
American Mortgage Service Company	-0.20%	(4.5)	2.36%
Keller Mortgage	-0.20%	(4.5)	0.41%
Freedom Mortgage Corporation	-0.19%	(4.5)	1.64%
Victory Mortgage	-0.19%	(4.5)	0.48%
Lakeview Loan Servicing	-0.17%	(4.5)	0.38%
Plaza Home Mortgage	-0.15%	(4.5)	0.46%
Home Point Financial Corporation	-0.14%	(4.0)	1.06%
First Commonwealth Bank	-0.14%	(4.0)	0.38%
First Financial Bank	-0.13%	(4.0)	0.43%
WesBanco	-0.13%	(4.0)	0.17%
Quicken Loans	-0.12%	(4.0)	5.72%
Flagstar Bank	-0.11%	(4.0)	1.80%
PNC Bank	-0.11%	(4.0)	0.38%
M/I Financial	-0.10%	(4.0)	0.91%
First Merchants Bank	-0.10%	(4.0)	0.17%
Pulte Mortgage LLC	-0.09%	(4.0)	1.47%
Bank of America	-0.09%	(4.0)	0.14%
emmloans	-0.09%	(4.0)	0.12%
Developer’s Mortgage Company	-0.09%	(4.0)	0.22%
Academy Mortgage Corporation Utah	-0.08%	(4.0)	0.63%
Victory Community Bank	-0.08%	(4.0)	0.46%
Civista Bank	-0.08%	(4.0)	0.10%
TrueCore Federal Credit Union	-0.07%	(4.0)	0.14%
KeyBank	-0.06%	(4.0)	0.07%
Guaranteed Rate Affinity	-0.06%	(4.0)	0.72%
Bank of England AR	-0.06%	(4.0)	0.91%
The Federal Savings Bank	-0.05%	(4.0)	0.60%
Navy Federal Credit Union	-0.05%	(4.0)	0.12%
North American Savings Bank	-0.05%	(4.0)	0.10%
First Federal Lakewood	-0.05%	(3.5)	0.26%
loanDepot	-0.05%	(3.5)	0.82%
RoundPoint Mortgage Servicing Corporation	-0.04%	(3.5)	0.05%
NewRez	-0.03%	(3.5)	0.05%
East Coast Capital Corporation	-0.03%	(3.5)	0.43%
First Community Mortgage	-0.03%	(3.5)	0.22%
PrimeLending	-0.02%	(3.5)	1.13%
Synergy One Lending	-0.02%	(3.5)	0.17%
Cardinal Financial Company	-0.02%	(3.5)	0.22%
Amerisave Mortgage Corporation	-0.02%	(3.5)	0.07%
First Federal Bank of Florida	-0.02%	(3.5)	0.05%
Independent Bank Michigan	-0.02%	(3.5)	0.05%
United Mortgage Corp	-0.02%	(3.5)	0.22%
Nations Direct Mortgage	-0.01%	(3.5)	0.31%
Polaris Home Funding Corp	-0.01%	(3.5)	0.70%
US Bank	-0.01%	(3.5)	0.53%
The Union Bank Co	-0.01%	(3.5)	1.37%
Axos Bank	-0.00%	(3.5)	0.07%
NVR Mortgage Finance Inc	-0.00%	(3.5)	0.38%
New American Funding	-0.00%	(3.5)	0.55%
Northpointe Bank	0.01%	(3.5)	0.38%
Royal United Mortgage	0.01%	(3.5)	0.14%
Gateway First Bank	0.01%	(3.5)	0.12%
Wells Fargo Bank	0.01%	(3.5)	0.05%
JPMorgan Chase Bank	0.02%	(3.5)	0.05%
Primary Residential Mortgage Inc	0.02%	(3.5)	0.55%
Priority Mortgage	0.02%	(3.5)	0.05%
Guaranteed Rate	0.02%	(3.5)	1.03%
Stearns Home Loans	0.03%	(3.5)	1.15%
Magnolia Bank	0.03%	(3.5)	0.26%
Movement Mortgage	0.03%	(3.5)	0.43%
Park National Bank	0.04%	(3.5)	0.22%
Bayshore Mortgage Funding	0.05%	(3.5)	0.24%
Ruoff Mortgage	0.06%	(3.0)	3.10%
Nations Lending Corporation	0.06%	(3.0)	0.24%
Planet Home Lending	0.06%	(3.0)	0.10%
SecurityNational Mortgage Company	0.07%	(3.0)	0.38%
Cason Home Loans	0.07%	(3.0)	1.39%
Evolve Bank & Trust	0.09%	(3.0)	0.77%
PennyMac Loan Services	0.09%	(3.0)	1.06%
Liberty Home Mortgage	0.10%	(3.0)	1.20%
Land Home Financial Services	0.10%	(3.0)	0.55%
FBC Mortgage	0.11%	(3.0)	1.08%
HomeBridge Financial Services	0.11%	(3.0)	0.65%
Carrington Mortgage Services	0.13%	(3.0)	0.94%
PRMG Mortgage	0.13%	(3.0)	0.65%
Rapid Mortgage Company	0.13%	(3.0)	2.43%
Partners United Financial	0.14%	(3.0)	1.71%
Hometown Lenders	0.17%	(2.5)	1.92%
Homeside Financial	0.19%	(2.5)	2.07%
LendUS LLC	0.21%	(2.5)	6.93%
Mr. Cooper	0.22%	(2.5)	1.66%
Premier Nationwide Lending	0.23%	(2.5)	0.84%
Hallmark Home Mortgage	0.27%	(2.0)	1.15%
Union Home Mortgage	0.29%	(2.0)	5.92%
NFM Lending	0.31%	(2.0)	4.18%
Fairway Independent Mortgage Corporation	0.33%	(2.0)	5.96%

Lender Name	Rate Difference	Rate Rating	Market Share
Huntington National Bank	-0.25%	(5.0)	4.65%
Union Savings Bank	-0.20%	(4.5)	2.00%
Caliber Home Loans	-0.19%	(4.5)	3.73%
Equity Resources	-0.13%	(4.0)	0.81%
American Financing	-0.07%	(4.0)	0.81%
NewRez	-0.05%	(4.0)	0.97%
PNC Bank	-0.05%	(3.5)	0.49%
Fifth Third Bank	-0.04%	(3.5)	0.81%
Polaris Home Funding Corp	-0.04%	(3.5)	0.70%
Academy Mortgage Corporation Utah	-0.04%	(3.5)	0.43%
Flagstar Bank	-0.04%	(3.5)	0.38%
East Coast Capital Corporation	-0.03%	(3.5)	0.43%
Quicken Loans	-0.03%	(3.5)	27.93%
First Financial Bank	-0.03%	(3.5)	0.22%
Ruoff Mortgage	-0.03%	(3.5)	0.76%
Cason Home Loans	-0.02%	(3.5)	0.22%
myCUmortgage	-0.02%	(3.5)	0.16%
Land Home Financial Services	-0.02%	(3.5)	0.43%
RoundPoint Mortgage Servicing Corporation	-0.02%	(3.5)	0.22%
Amerisave Mortgage Corporation	-0.02%	(3.5)	0.54%
First Community Mortgage	-0.02%	(3.5)	0.22%
Developer’s Mortgage Company	-0.02%	(3.5)	0.16%
Liberty Home Mortgage	-0.02%	(3.5)	0.27%
Keller Mortgage	-0.02%	(3.5)	0.16%
NFM Lending	-0.01%	(3.5)	0.65%
Axos Bank	-0.01%	(3.5)	0.05%
First Commonwealth Bank	-0.01%	(3.5)	0.16%
Home Point Financial Corporation	-0.01%	(3.5)	1.03%
Nations Direct Mortgage	-0.01%	(3.5)	0.59%
Northpointe Bank	-0.01%	(3.5)	0.27%
The Union Bank Co	-0.01%	(3.5)	1.03%
Partners United Financial	-0.01%	(3.5)	0.16%
Stearns Home Loans	-0.01%	(3.5)	0.22%
PrimeLending	-0.01%	(3.5)	0.11%
Guaranteed Rate	-0.01%	(3.5)	0.59%
Magnolia Bank	-0.01%	(3.5)	0.27%
Plaza Home Mortgage	-0.01%	(3.5)	0.11%
emmloans	-0.01%	(3.5)	0.27%
Navy Federal Credit Union	-0.00%	(3.5)	0.05%
Village Capital	-0.00%	(3.5)	1.30%
First Federal Bank of Florida	-0.00%	(3.5)	0.22%
FirstBank TN	-0.00%	(3.5)	0.05%
Evolve Bank & Trust	0.00%	(3.5)	0.05%
Carrington Mortgage Services	0.00%	(3.5)	6.16%
KeyBank	0.00%	(3.5)	0.11%
Guaranty Home Mortgage Corporation	0.00%	(3.5)	0.05%
Civista Bank	0.01%	(3.5)	0.05%
Bank of America	0.01%	(3.5)	0.05%
First Merchants Bank	0.01%	(3.5)	0.05%
North American Savings Bank	0.01%	(3.5)	0.05%
PRMG Mortgage	0.01%	(3.5)	1.13%
Planet Home Lending	0.01%	(3.5)	0.43%
Hallmark Home Mortgage	0.01%	(3.5)	0.16%
Guaranteed Rate Affinity	0.01%	(3.5)	0.16%
Nations Lending Corporation	0.01%	(3.5)	1.08%
Gateway First Bank	0.02%	(3.5)	0.05%
Primary Residential Mortgage Inc	0.02%	(3.5)	0.54%
Hometown Lenders	0.02%	(3.5)	0.22%
First Federal Lakewood	0.02%	(3.5)	0.05%
Union Home Mortgage	0.02%	(3.5)	1.62%
PennyMac Loan Services	0.02%	(3.5)	2.38%
New American Funding	0.03%	(3.5)	1.30%
The Federal Savings Bank	0.03%	(3.5)	0.54%
US Bank	0.03%	(3.5)	1.19%
Synergy One Lending	0.04%	(3.5)	0.59%
Rapid Mortgage Company	0.04%	(3.5)	0.32%
Reliance First Capital	0.04%	(3.5)	2.05%
HomeBridge Financial Services	0.04%	(3.5)	1.03%
Bank of England AR	0.05%	(3.0)	0.59%
Wells Fargo Bank	0.06%	(3.0)	0.11%
United Mortgage Corp	0.07%	(3.0)	1.94%
Cardinal Financial Company	0.07%	(3.0)	0.86%
NewDay USA	0.07%	(3.0)	0.22%
Lakeview Loan Servicing	0.08%	(3.0)	4.16%
LendUS LLC	0.08%	(3.0)	0.59%
Royal United Mortgage	0.08%	(3.0)	0.43%
Fairway Independent Mortgage Corporation	0.14%	(3.0)	1.13%
Homeside Financial	0.17%	(2.5)	1.19%
Mr. Cooper	0.18%	(2.5)	6.75%
Freedom Mortgage Corporation	0.18%	(2.5)	2.59%
loanDepot	0.19%	(2.5)	3.35%

Lender Name	Rate Difference	Rate Rating	Market Share
Fifth Third Bank	-0.08%	(4.0)	14.61%
Huntington National Bank	-0.06%	(4.0)	11.48%
First Federal Lakewood	-0.02%	(3.5)	5.04%
Bank of America	-0.01%	(3.5)	2.78%
PNC Bank	-0.01%	(3.5)	4.17%
Third Federal Savings & Loan	-0.00%	(3.5)	1.39%
M/I Financial	0.00%	(3.5)	0.70%
Guaranteed Rate	0.01%	(3.5)	1.57%
Wells Fargo Bank	0.01%	(3.5)	5.57%
Baxter Credit Union	0.01%	(3.5)	0.35%
Victory Mortgage	0.01%	(3.5)	0.35%
BMI Federal Credit Union	0.02%	(3.5)	0.35%
CF Bank	0.02%	(3.5)	0.52%
Kemba Financial Credit Union	0.02%	(3.5)	0.17%
Developer’s Mortgage Company	0.02%	(3.5)	0.17%
Academy Mortgage Corporation Utah	0.02%	(3.5)	0.17%
Independent Bank Michigan	0.02%	(3.5)	0.87%
First Financial Bank	0.02%	(3.5)	10.09%
KeyBank	0.02%	(3.5)	3.13%
Sirva Mortgage	0.02%	(3.5)	0.17%
Navy Federal Credit Union	0.03%	(3.5)	0.35%
Civista Bank	0.03%	(3.5)	0.17%
Ruoff Mortgage	0.03%	(3.5)	0.17%
Keller Mortgage	0.03%	(3.5)	0.17%
US Bank	0.03%	(3.5)	3.48%
First Merchants Bank	0.03%	(3.5)	0.35%
State Bank and Trust Company	0.03%	(3.5)	0.17%
Wright-Patt Credit Union Inc	0.03%	(3.5)	0.35%
Partners United Financial	0.03%	(3.5)	0.17%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	0.52%
Homeside Financial	0.03%	(3.5)	0.17%
Quicken Loans	0.03%	(3.5)	1.22%
Provident Funding	0.03%	(3.5)	0.17%
LendUS LLC	0.03%	(3.5)	0.35%
Revolution Mortgage	0.03%	(3.5)	0.52%
Equity Resources	0.04%	(3.5)	0.35%
Caliber Home Loans	0.04%	(3.5)	0.52%
NFM Lending	0.04%	(3.5)	0.70%
Guaranteed Rate Affinity	0.04%	(3.5)	0.17%
Priority Mortgage	0.04%	(3.5)	0.52%
Park National Bank	0.05%	(3.5)	1.91%
Flagstar Bank	0.05%	(3.5)	0.52%
PrimeLending	0.05%	(3.5)	1.91%
JPMorgan Chase Bank	0.05%	(3.5)	14.96%
Telhio Credit Union	0.05%	(3.0)	0.87%
Nations Direct Mortgage	0.05%	(3.0)	0.17%
First Commonwealth Bank	0.06%	(3.0)	3.13%
Farm Credit Mid-America	0.06%	(3.0)	2.26%

Lender Name	Rate Difference	Rate Rating	Market Share
Fifth Third Bank	-0.11%	(4.0)	14.74%
First Federal Lakewood	-0.03%	(3.5)	4.62%
Huntington National Bank	-0.03%	(3.5)	9.54%
Bank of America	-0.01%	(3.5)	2.60%
PNC Bank	-0.01%	(3.5)	2.60%
Guaranteed Rate	-0.01%	(3.5)	1.73%
Third Federal Savings & Loan	-0.00%	(3.5)	2.31%
KeyBank	0.00%	(3.5)	2.31%
Wells Fargo Bank	0.00%	(3.5)	7.80%
M/I Financial	0.00%	(3.5)	1.16%
Baxter Credit Union	0.01%	(3.5)	0.58%
Victory Mortgage	0.01%	(3.5)	0.58%
Kemba Financial Credit Union	0.02%	(3.5)	0.29%
Developer’s Mortgage Company	0.02%	(3.5)	0.29%
Academy Mortgage Corporation Utah	0.02%	(3.5)	0.29%
First Merchants Bank	0.02%	(3.5)	0.29%
Sirva Mortgage	0.02%	(3.5)	0.29%
US Bank	0.02%	(3.5)	3.76%
Navy Federal Credit Union	0.03%	(3.5)	0.58%
Park National Bank	0.03%	(3.5)	0.58%
Civista Bank	0.03%	(3.5)	0.29%
First Financial Bank	0.03%	(3.5)	10.12%
Ruoff Mortgage	0.03%	(3.5)	0.29%
Flagstar Bank	0.03%	(3.5)	0.29%
Independent Bank Michigan	0.03%	(3.5)	0.58%
Wright-Patt Credit Union Inc	0.03%	(3.5)	0.58%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	0.58%
Partners United Financial	0.03%	(3.5)	0.29%
Homeside Financial	0.03%	(3.5)	0.29%
Revolution Mortgage	0.03%	(3.5)	0.29%
Quicken Loans	0.03%	(3.5)	1.73%
Telhio Credit Union	0.03%	(3.5)	0.58%
Provident Funding	0.03%	(3.5)	0.29%
LendUS LLC	0.04%	(3.5)	0.58%
Caliber Home Loans	0.04%	(3.5)	0.58%
Equity Resources	0.04%	(3.5)	0.58%
NFM Lending	0.04%	(3.5)	0.87%
Guaranteed Rate Affinity	0.04%	(3.5)	0.29%
Priority Mortgage	0.04%	(3.5)	0.58%
JPMorgan Chase Bank	0.05%	(3.0)	17.34%
Nations Direct Mortgage	0.05%	(3.0)	0.29%
PrimeLending	0.07%	(3.0)	1.45%
Farm Credit Mid-America	0.08%	(3.0)	2.02%
First Commonwealth Bank	0.08%	(3.0)	2.31%

Lender Name	Rate Difference	Rate Rating	Market Share
Huntington National Bank	-0.08%	(4.0)	14.41%
Fifth Third Bank	-0.04%	(3.5)	14.41%
Bank of America	-0.01%	(3.5)	3.06%
PNC Bank	-0.01%	(3.5)	6.55%
First Federal Lakewood	-0.01%	(3.5)	5.68%
Independent Bank Michigan	0.01%	(3.5)	1.31%
First Financial Bank	0.02%	(3.5)	10.04%
BMI Federal Credit Union	0.02%	(3.5)	0.87%
CF Bank	0.02%	(3.5)	1.31%
Keller Mortgage	0.03%	(3.5)	0.44%
State Bank and Trust Company	0.03%	(3.5)	0.44%
PrimeLending	0.03%	(3.5)	2.62%
US Bank	0.03%	(3.5)	3.06%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	0.44%
Wells Fargo Bank	0.03%	(3.5)	2.18%
First Merchants Bank	0.03%	(3.5)	0.44%
Revolution Mortgage	0.04%	(3.5)	0.87%
Priority Mortgage	0.04%	(3.5)	0.44%
Farm Credit Mid-America	0.04%	(3.5)	2.62%
KeyBank	0.04%	(3.5)	4.37%
First Commonwealth Bank	0.04%	(3.5)	4.37%
Guaranteed Rate	0.04%	(3.5)	1.31%
JPMorgan Chase Bank	0.04%	(3.5)	11.35%
Quicken Loans	0.04%	(3.5)	0.44%
NFM Lending	0.04%	(3.5)	0.44%
Caliber Home Loans	0.04%	(3.5)	0.44%
Park National Bank	0.05%	(3.0)	3.93%
Flagstar Bank	0.06%	(3.0)	0.87%
Telhio Credit Union	0.06%	(3.0)	1.31%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.29%	(5.0)	4.31%
Union Savings Bank	-0.14%	(4.0)	2.02%
Park National Bank	-0.12%	(4.0)	0.59%
Lakeview Loan Servicing	-0.12%	(4.0)	1.84%
Caliber Home Loans	-0.11%	(4.0)	2.47%
Equity Resources	-0.10%	(4.0)	3.06%
Guaranteed Rate	-0.10%	(4.0)	2.05%
Victory Mortgage	-0.10%	(4.0)	0.83%
Home Point Financial Corporation	-0.09%	(4.0)	1.15%
State Bank and Trust Company	-0.09%	(4.0)	0.83%
PennyMac Loan Services	-0.09%	(4.0)	2.09%
Village Capital	-0.09%	(4.0)	0.80%
loanDepot	-0.08%	(4.0)	2.64%
Priority Mortgage	-0.08%	(4.0)	0.56%
North American Savings Bank	-0.08%	(4.0)	0.63%
NBKC Bank	-0.07%	(4.0)	0.63%
USAA	-0.07%	(4.0)	7.90%
PNC Bank	-0.07%	(4.0)	0.83%
Wright-Patt Credit Union Inc	-0.07%	(4.0)	0.66%
Keller Mortgage	-0.06%	(4.0)	0.24%
Fifth Third Bank	-0.06%	(4.0)	0.94%
American Mortgage Service Company	-0.05%	(4.0)	1.84%
Huntington National Bank	-0.05%	(3.5)	4.28%
Victory Community Bank	-0.05%	(3.5)	0.24%
First Community Mortgage	-0.05%	(3.5)	0.10%
US Bank	-0.04%	(3.5)	0.49%
Developer’s Mortgage Company	-0.04%	(3.5)	0.28%
First Commonwealth Bank	-0.04%	(3.5)	0.28%
First Federal Lakewood	-0.04%	(3.5)	0.14%
First Financial Bank	-0.04%	(3.5)	0.28%
Land Home Financial Services	-0.03%	(3.5)	0.66%
M/I Financial	-0.03%	(3.5)	0.87%
Civista Bank	-0.03%	(3.5)	0.21%
Sirva Mortgage	-0.03%	(3.5)	0.14%
Flagstar Bank	-0.03%	(3.5)	1.67%
WesBanco	-0.03%	(3.5)	0.03%
Amerisave Mortgage Corporation	-0.03%	(3.5)	0.31%
FirstBank TN	-0.03%	(3.5)	0.17%
Bayshore Mortgage Funding	-0.03%	(3.5)	0.35%
CF Bank	-0.03%	(3.5)	0.07%
Partners United Financial	-0.02%	(3.5)	0.90%
Bank of America	-0.02%	(3.5)	0.10%
CME Federal Credit Union	-0.02%	(3.5)	0.14%
First Merchants Bank	-0.02%	(3.5)	0.03%
PrimeLending	-0.02%	(3.5)	0.94%
Northpointe Bank	-0.02%	(3.5)	0.28%
Peoples Bank OH WY KY	-0.02%	(3.5)	0.03%
Liberty Home Mortgage	-0.02%	(3.5)	0.07%
Pulte Mortgage LLC	-0.01%	(3.5)	0.94%
Guaranteed Rate Affinity	-0.01%	(3.5)	0.49%
Nations Direct Mortgage	-0.01%	(3.5)	0.38%
East Coast Capital Corporation	-0.01%	(3.5)	0.17%
Evolve Bank & Trust	-0.01%	(3.5)	0.38%
Axos Bank	-0.01%	(3.5)	0.03%
RoundPoint Mortgage Servicing Corporation	-0.01%	(3.5)	0.07%
NVR Mortgage Finance Inc	-0.01%	(3.5)	0.07%
The Union Bank Co	-0.01%	(3.5)	0.52%
Cason Home Loans	-0.01%	(3.5)	0.49%
SecurityNational Mortgage Company	-0.01%	(3.5)	0.10%
Cardinal Financial Company	-0.01%	(3.5)	0.10%
Premier Nationwide Lending	-0.01%	(3.5)	0.14%
Academy Mortgage Corporation Utah	-0.01%	(3.5)	0.56%
Hopewell Federal Credit Union	-0.00%	(3.5)	0.03%
Stearns Home Loans	-0.00%	(3.5)	0.28%
Guaranty Home Mortgage Corporation	-0.00%	(3.5)	0.03%
New American Funding	-0.00%	(3.5)	0.38%
Polaris Home Funding Corp	0.00%	(3.5)	0.80%
Wells Fargo Bank	0.00%	(3.5)	0.73%
Royal United Mortgage	0.00%	(3.5)	0.07%
HomeBridge Financial Services	0.00%	(3.5)	0.70%
Movement Mortgage	0.00%	(3.5)	0.10%
Ruoff Mortgage	0.01%	(3.5)	1.29%
PRMG Mortgage	0.01%	(3.5)	0.38%
Hallmark Home Mortgage	0.01%	(3.5)	0.49%
KeyBank	0.01%	(3.5)	0.03%
United Mortgage Corp	0.01%	(3.5)	0.49%
Bank of England AR	0.01%	(3.5)	0.45%
Plaza Home Mortgage	0.01%	(3.5)	0.21%
Gateway First Bank	0.01%	(3.5)	0.28%
Independent Bank Michigan	0.01%	(3.5)	0.03%
American Financing	0.02%	(3.5)	0.10%
Magnolia Bank	0.02%	(3.5)	0.45%
Nations Lending Corporation	0.03%	(3.5)	0.42%
Primary Residential Mortgage Inc	0.03%	(3.5)	0.28%
Synergy One Lending	0.04%	(3.5)	0.83%
NewRez	0.04%	(3.5)	0.52%
First Federal Bank of Florida	0.04%	(3.5)	0.56%
Homeside Financial	0.04%	(3.5)	0.45%
FBC Mortgage	0.05%	(3.5)	0.24%
Planet Home Lending	0.05%	(3.5)	0.14%
Hometown Lenders	0.07%	(3.0)	0.70%
Reliance First Capital	0.08%	(3.0)	0.35%
Rapid Mortgage Company	0.08%	(3.0)	1.11%
JPMorgan Chase Bank	0.08%	(3.0)	0.90%
The Federal Savings Bank	0.09%	(3.0)	3.44%
Union Home Mortgage	0.10%	(3.0)	3.44%
NFM Lending	0.10%	(3.0)	1.88%
Quicken Loans	0.11%	(3.0)	9.22%
Carrington Mortgage Services	0.12%	(3.0)	1.53%
Mr. Cooper	0.15%	(3.0)	1.25%
LendUS LLC	0.17%	(2.5)	2.05%
Fairway Independent Mortgage Corporation	0.19%	(2.5)	2.19%
Freedom Mortgage Corporation	0.23%	(2.5)	2.40%
NewDay USA	0.39%	(1.5)	2.30%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.30%	(5.0)	6.53%
Union Savings Bank	-0.13%	(4.0)	2.04%
Park National Bank	-0.13%	(4.0)	0.92%
Victory Mortgage	-0.10%	(4.0)	1.25%
Priority Mortgage	-0.09%	(4.0)	0.79%
PNC Bank	-0.08%	(4.0)	1.12%
State Bank and Trust Company	-0.08%	(4.0)	1.45%
Caliber Home Loans	-0.07%	(4.0)	1.98%
NBKC Bank	-0.07%	(4.0)	0.59%
Equity Resources	-0.06%	(4.0)	3.76%
Home Point Financial Corporation	-0.06%	(4.0)	0.79%
North American Savings Bank	-0.05%	(4.0)	0.53%
Keller Mortgage	-0.05%	(3.5)	0.46%
Wright-Patt Credit Union Inc	-0.04%	(3.5)	0.66%
Huntington National Bank	-0.04%	(3.5)	5.67%
Victory Community Bank	-0.04%	(3.5)	0.33%
Guaranteed Rate	-0.04%	(3.5)	2.11%
Fifth Third Bank	-0.04%	(3.5)	1.05%
US Bank	-0.03%	(3.5)	0.79%
First Community Mortgage	-0.03%	(3.5)	0.20%
First Financial Bank	-0.03%	(3.5)	0.46%
Developer’s Mortgage Company	-0.03%	(3.5)	0.53%
American Mortgage Service Company	-0.03%	(3.5)	2.77%
First Federal Lakewood	-0.02%	(3.5)	0.26%
First Commonwealth Bank	-0.02%	(3.5)	0.26%
Land Home Financial Services	-0.02%	(3.5)	1.12%
Northpointe Bank	-0.02%	(3.5)	0.26%
M/I Financial	-0.02%	(3.5)	1.65%
Sirva Mortgage	-0.02%	(3.5)	0.26%
Civista Bank	-0.02%	(3.5)	0.20%
WesBanco	-0.02%	(3.5)	0.07%
USAA	-0.01%	(3.5)	9.69%
CF Bank	-0.01%	(3.5)	0.13%
Partners United Financial	-0.01%	(3.5)	1.65%
PrimeLending	-0.01%	(3.5)	1.52%
Bank of America	-0.01%	(3.5)	0.13%
The Union Bank Co	-0.01%	(3.5)	0.59%
First Merchants Bank	-0.01%	(3.5)	0.07%
Synergy One Lending	-0.01%	(3.5)	0.46%
Lakeview Loan Servicing	-0.01%	(3.5)	0.07%
East Coast Capital Corporation	-0.00%	(3.5)	0.26%
Peoples Bank OH WY KY	-0.00%	(3.5)	0.07%
Wells Fargo Bank	-0.00%	(3.5)	0.92%
Liberty Home Mortgage	-0.00%	(3.5)	0.13%
FirstBank TN	-0.00%	(3.5)	0.13%
Pulte Mortgage LLC	-0.00%	(3.5)	1.78%
United Mortgage Corp	-0.00%	(3.5)	0.07%
Evolve Bank & Trust	0.00%	(3.5)	0.66%
CME Federal Credit Union	0.00%	(3.5)	0.07%
Guaranteed Rate Affinity	0.00%	(3.5)	0.79%
NVR Mortgage Finance Inc	0.00%	(3.5)	0.13%
Cason Home Loans	0.00%	(3.5)	0.86%
SecurityNational Mortgage Company	0.01%	(3.5)	0.20%
Premier Nationwide Lending	0.01%	(3.5)	0.26%
Flagstar Bank	0.01%	(3.5)	1.32%
Hopewell Federal Credit Union	0.01%	(3.5)	0.07%
Magnolia Bank	0.01%	(3.5)	0.07%
Academy Mortgage Corporation Utah	0.01%	(3.5)	0.59%
Cardinal Financial Company	0.01%	(3.5)	0.07%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.07%
NewRez	0.01%	(3.5)	0.20%
Stearns Home Loans	0.02%	(3.5)	0.20%
Freedom Mortgage Corporation	0.02%	(3.5)	1.12%
Bank of England AR	0.02%	(3.5)	0.33%
Primary Residential Mortgage Inc	0.02%	(3.5)	0.26%
Plaza Home Mortgage	0.02%	(3.5)	0.40%
Independent Bank Michigan	0.03%	(3.5)	0.07%
NewDay USA	0.03%	(3.5)	0.33%
Movement Mortgage	0.03%	(3.5)	0.07%
New American Funding	0.03%	(3.5)	0.26%
The Federal Savings Bank	0.04%	(3.5)	0.92%
PRMG Mortgage	0.04%	(3.5)	0.26%
Gateway First Bank	0.04%	(3.5)	0.40%
Nations Direct Mortgage	0.04%	(3.5)	0.26%
loanDepot	0.05%	(3.5)	0.40%
Nations Lending Corporation	0.05%	(3.5)	0.20%
Quicken Loans	0.05%	(3.5)	4.15%
Bayshore Mortgage Funding	0.05%	(3.5)	0.20%
Ruoff Mortgage	0.05%	(3.5)	1.65%
Homeside Financial	0.05%	(3.5)	0.20%
Hallmark Home Mortgage	0.05%	(3.5)	0.53%
HomeBridge Financial Services	0.05%	(3.0)	0.46%
FBC Mortgage	0.06%	(3.0)	0.46%
Polaris Home Funding Corp	0.07%	(3.0)	0.53%
PennyMac Loan Services	0.07%	(3.0)	0.40%
Hometown Lenders	0.09%	(3.0)	1.12%
JPMorgan Chase Bank	0.10%	(3.0)	1.58%
Rapid Mortgage Company	0.10%	(3.0)	1.91%
Mr. Cooper	0.12%	(3.0)	0.99%
Union Home Mortgage	0.13%	(3.0)	5.74%
NFM Lending	0.17%	(2.5)	2.57%
LendUS LLC	0.19%	(2.5)	3.69%
Carrington Mortgage Services	0.22%	(2.5)	0.99%
Fairway Independent Mortgage Corporation	0.23%	(2.5)	3.49%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.20%	(4.5)	1.84%
Guaranteed Rate	-0.18%	(4.5)	1.99%
Equity Resources	-0.17%	(4.5)	2.28%
USAA	-0.17%	(4.5)	5.89%
Union Savings Bank	-0.15%	(4.0)	1.99%
Caliber Home Loans	-0.15%	(4.0)	3.02%
Lakeview Loan Servicing	-0.14%	(4.0)	3.83%
PennyMac Loan Services	-0.12%	(4.0)	3.98%
American Mortgage Service Company	-0.11%	(4.0)	0.81%
Home Point Financial Corporation	-0.11%	(4.0)	1.55%
loanDepot	-0.11%	(4.0)	5.15%
North American Savings Bank	-0.10%	(4.0)	0.74%
Village Capital	-0.10%	(4.0)	1.69%
Wright-Patt Credit Union Inc	-0.09%	(4.0)	0.66%
Fifth Third Bank	-0.08%	(4.0)	0.81%
NBKC Bank	-0.08%	(4.0)	0.66%
Ruoff Mortgage	-0.07%	(4.0)	0.88%
Bayshore Mortgage Funding	-0.07%	(4.0)	0.52%
Flagstar Bank	-0.06%	(4.0)	2.06%
Victory Mortgage	-0.06%	(4.0)	0.37%
First Commonwealth Bank	-0.06%	(4.0)	0.29%
Park National Bank	-0.05%	(4.0)	0.22%
Nations Direct Mortgage	-0.05%	(4.0)	0.52%
Huntington National Bank	-0.05%	(4.0)	2.72%
FirstBank TN	-0.05%	(4.0)	0.22%
Guaranteed Rate Affinity	-0.05%	(3.5)	0.15%
Gateway First Bank	-0.05%	(3.5)	0.15%
Amerisave Mortgage Corporation	-0.05%	(3.5)	0.59%
Civista Bank	-0.05%	(3.5)	0.22%
Hallmark Home Mortgage	-0.04%	(3.5)	0.44%
Priority Mortgage	-0.04%	(3.5)	0.29%
Polaris Home Funding Corp	-0.04%	(3.5)	1.10%
CME Federal Credit Union	-0.04%	(3.5)	0.22%
Victory Community Bank	-0.04%	(3.5)	0.15%
Land Home Financial Services	-0.04%	(3.5)	0.15%
State Bank and Trust Company	-0.04%	(3.5)	0.15%
NFM Lending	-0.03%	(3.5)	1.10%
Bank of America	-0.03%	(3.5)	0.07%
Rapid Mortgage Company	-0.03%	(3.5)	0.22%
New American Funding	-0.03%	(3.5)	0.52%
Hometown Lenders	-0.03%	(3.5)	0.22%
Evolve Bank & Trust	-0.03%	(3.5)	0.07%
HomeBridge Financial Services	-0.03%	(3.5)	0.96%
LendUS LLC	-0.03%	(3.5)	0.22%
Axos Bank	-0.03%	(3.5)	0.07%
First Financial Bank	-0.03%	(3.5)	0.07%
RoundPoint Mortgage Servicing Corporation	-0.03%	(3.5)	0.15%
Partners United Financial	-0.03%	(3.5)	0.07%
Cardinal Financial Company	-0.02%	(3.5)	0.15%
Academy Mortgage Corporation Utah	-0.02%	(3.5)	0.52%
Stearns Home Loans	-0.02%	(3.5)	0.37%
PNC Bank	-0.02%	(3.5)	0.52%
PRMG Mortgage	-0.02%	(3.5)	0.52%
Movement Mortgage	-0.02%	(3.5)	0.15%
Guaranty Home Mortgage Corporation	-0.02%	(3.5)	0.07%
Northpointe Bank	-0.01%	(3.5)	0.29%
East Coast Capital Corporation	-0.01%	(3.5)	0.07%
Royal United Mortgage	-0.01%	(3.5)	0.15%
Cason Home Loans	-0.01%	(3.5)	0.07%
KeyBank	-0.01%	(3.5)	0.07%
United Mortgage Corp	-0.00%	(3.5)	0.96%
The Union Bank Co	-0.00%	(3.5)	0.44%
Bank of England AR	-0.00%	(3.5)	0.59%
American Financing	0.00%	(3.5)	0.22%
PrimeLending	0.00%	(3.5)	0.29%
US Bank	0.00%	(3.5)	0.15%
Magnolia Bank	0.00%	(3.5)	0.88%
JPMorgan Chase Bank	0.00%	(3.5)	0.15%
Union Home Mortgage	0.01%	(3.5)	0.88%
Nations Lending Corporation	0.02%	(3.5)	0.66%
Fairway Independent Mortgage Corporation	0.02%	(3.5)	0.74%
Wells Fargo Bank	0.03%	(3.5)	0.52%
First Federal Bank of Florida	0.03%	(3.5)	1.18%
Homeside Financial	0.03%	(3.5)	0.74%
NewRez	0.03%	(3.5)	0.88%
Planet Home Lending	0.04%	(3.5)	0.29%
Primary Residential Mortgage Inc	0.04%	(3.5)	0.29%
Synergy One Lending	0.05%	(3.5)	1.25%
Reliance First Capital	0.06%	(3.0)	0.74%
Carrington Mortgage Services	0.07%	(3.0)	2.14%
The Federal Savings Bank	0.08%	(3.0)	6.26%
Quicken Loans	0.12%	(3.0)	14.87%
Mr. Cooper	0.16%	(2.5)	1.55%
Freedom Mortgage Corporation	0.29%	(2.0)	3.83%
NewDay USA	0.41%	(1.5)	4.49%

* Data is compiled for the Columbus, OH commuting zone area, which comprises of counties of Delaware County, OH, Fairfield County, OH, Franklin County, OH, Hocking County, OH, Knox County, OH, Licking County, OH, Madison County, OH, Morgan County, OH, Muskingum County, OH, Perry County, OH, and Union County, OH. This includes cities/towns/communities of Columbus, OH as well as Delaware, OH, Pickerington, OH, Grove City, OH, Powell, OH, Upper Arlington, OH, Newark, OH, Gahanna, OH, Lancaster, OH, Dublin, OH, Westerville, OH, Marysville, OH, Pataskala, OH, Hilliard, OH, Reynoldsburg, OH, Sunbury, OH, Dublin, OH, New Albany, OH, Mount Vernon, OH, Bexley, OH, Canal Winchester, OH, Westerville, OH, Worthington, OH, Zanesville, OH, Reynoldsburg, OH, Dublin, OH, Heath, OH, London, OH, Etna, OH, Apple Valley, OH, Grandview Heights, OH, Lake Darby, OH, New California, OH, Whitehall, OH, Baltimore, OH, Johnstown, OH, Hebron, OH, Harbor Hills, OH, Ostrander, OH, Logan, OH, Thornport, OH, Hartford, OH, Granville, OH, Carroll, OH, Plain City, OH, Hanover, OH, Darbydale, OH, Centerburg, OH, Richwood, OH, Blacklick Estates, OH, and Utica, OH. 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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