Top Mortgage Lenders in Cleveland, OH

Which mortgage lender in the Cleveland, 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 Cleveland, 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 Cleveland, OH area in terms of interest rate is Century Federal Credit Union, with an average “Rate Difference” of -0.43%. This means that, comparing similar borrowers, Century Federal Credit Union provided a -0.43% lower interest rate for its customers than other lenders in the area. Century Federal Credit Union has a market share of 0.5%. On the other hand, the most popular lender in the Cleveland, OH area is Quicken Loans, with a larger market share of 11.3%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.15% compared to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed ranking of mortgage lenders in the Cleveland, 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 Cleveland, OH is Century Federal Credit Union. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is KeyBank. 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 Cleveland, OH

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
Century Federal Credit Union	-0.43%	(5.0)	0.48%
Third Federal Savings & Loan	-0.35%	(5.0)	8.08%
Northwest Bank PA	-0.16%	(4.5)	0.32%
First Federal Lakewood	-0.15%	(4.5)	4.30%
Huntington National Bank	-0.15%	(4.0)	8.51%
JPMorgan Chase Bank	-0.12%	(4.0)	4.83%
Pulte Mortgage LLC	-0.11%	(4.0)	0.51%
TCF Bank	-0.10%	(4.0)	0.15%
First National Bank of Pennsylvania	-0.10%	(4.0)	1.59%
Sirva Mortgage	-0.10%	(4.0)	0.12%
AimLoan.com	-0.10%	(4.0)	0.10%
CF Bank	-0.09%	(4.0)	0.11%
Cardinal Credit Union	-0.08%	(4.0)	0.29%
Fifth Third Bank	-0.08%	(4.0)	4.39%
Ruoff Mortgage	-0.08%	(4.0)	1.12%
Provident Funding	-0.08%	(4.0)	0.20%
Bank of America	-0.07%	(4.0)	0.60%
Peoples Bank OH WY KY	-0.05%	(4.0)	0.13%
Amerisave Mortgage Corporation	-0.05%	(3.5)	0.19%
Signature Mortgage Corporation	-0.05%	(3.5)	0.46%
Cortland Bank	-0.04%	(3.5)	0.44%
PNC Bank	-0.04%	(3.5)	3.58%
FirstBank TN	-0.03%	(3.5)	0.10%
PennyMac Loan Services	-0.03%	(3.5)	0.36%
Village Capital	-0.03%	(3.5)	0.15%
Guaranteed Rate	-0.02%	(3.5)	0.23%
USAA	-0.02%	(3.5)	0.78%
Lakeview Loan Servicing	-0.02%	(3.5)	0.24%
Keller Mortgage	-0.02%	(3.5)	0.24%
myCUmortgage	-0.02%	(3.5)	0.48%
Land Home Financial Services	-0.02%	(3.5)	0.11%
DelMar Financial Company	-0.01%	(3.5)	0.10%
KeyBank	-0.01%	(3.5)	3.87%
loanDepot	-0.01%	(3.5)	1.29%
First Equity Mortgage	-0.01%	(3.5)	0.14%
Independent Bank Michigan	-0.01%	(3.5)	0.46%
Mid America Mortgage	-0.01%	(3.5)	0.44%
Navy Federal Credit Union	-0.00%	(3.5)	0.86%
The Farmers National Bank of Canfield	-0.00%	(3.5)	0.17%
First Savings Bank	-0.00%	(3.5)	0.11%
First Federal Bank of Florida	0.00%	(3.5)	0.28%
Bankers Guarantee	0.00%	(3.5)	0.34%
Home Point Financial Corporation	0.01%	(3.5)	0.56%
First Commonwealth Bank	0.01%	(3.5)	0.33%
NBKC Bank	0.01%	(3.5)	0.11%
CMG Financial	0.01%	(3.5)	0.16%
Civista Bank	0.01%	(3.5)	0.27%
Residential Mortgage Services	0.01%	(3.5)	0.48%
K. Hovnanian American Mortgage	0.02%	(3.5)	0.11%
Absolute Home Mortgage	0.02%	(3.5)	0.13%
Dollar Bank	0.02%	(3.5)	2.10%
Seven Seventeen Credit Union	0.02%	(3.5)	0.25%
CNB Bank	0.03%	(3.5)	0.09%
Union Capital Mortgage	0.04%	(3.5)	1.43%
Caliber Home Loans	0.04%	(3.5)	0.54%
Cardinal Financial Company	0.04%	(3.5)	0.14%
Polaris Home Funding Corp	0.05%	(3.5)	0.59%
The Federal Savings Bank	0.06%	(3.0)	0.21%
Ohio Catholic Federal Credit Union	0.06%	(3.0)	0.46%
US Bank	0.07%	(3.0)	1.97%
NewRez	0.07%	(3.0)	0.94%
HomeBridge Financial Services	0.07%	(3.0)	0.13%
Magnolia Bank	0.08%	(3.0)	0.17%
Reliance First Capital	0.09%	(3.0)	0.67%
Carrington Mortgage Services	0.10%	(3.0)	0.56%
Hallmark Home Mortgage	0.10%	(3.0)	0.09%
New American Funding	0.10%	(3.0)	0.30%
Synergy One Lending	0.10%	(3.0)	0.40%
Wells Fargo Bank	0.10%	(3.0)	1.75%
Bank of England AR	0.11%	(3.0)	0.26%
Revolution Mortgage	0.11%	(3.0)	0.09%
Freedom Mortgage Corporation	0.11%	(3.0)	0.94%
Intercontinental Capital Group	0.11%	(3.0)	0.14%
Top Flite Financial, Inc	0.12%	(3.0)	0.26%
First Centennial Mortgage	0.12%	(3.0)	0.23%
Gold Star Mortgage Financial Group	0.12%	(3.0)	0.49%
Fairway Independent Mortgage Corporation	0.12%	(3.0)	4.33%
Plaza Home Mortgage	0.12%	(3.0)	0.15%
Primary Residential Mortgage Inc	0.13%	(3.0)	0.27%
Nations Lending Corporation	0.14%	(3.0)	1.51%
Rapid Mortgage Company	0.14%	(3.0)	0.25%
Quicken Loans	0.15%	(3.0)	11.26%
NVR Mortgage Finance Inc	0.15%	(2.5)	1.30%
Royal United Mortgage	0.15%	(2.5)	0.21%
PrimeLending	0.16%	(2.5)	0.81%
Geneva Financial Home Loans	0.17%	(2.5)	0.09%
AnnieMac Home Mortgage	0.17%	(2.5)	0.17%
Farm Credit Mid-America	0.18%	(2.5)	0.21%
PRMG Mortgage	0.18%	(2.5)	0.31%
LendUS LLC	0.19%	(2.5)	0.72%
American Midwest Mortgage	0.20%	(2.5)	1.47%
Flagstar Bank	0.20%	(2.5)	0.58%
Union Home Mortgage	0.20%	(2.5)	2.52%
Homeside Financial	0.22%	(2.5)	0.24%
Liberty Home Mortgage	0.23%	(2.5)	1.75%
First Guaranty Mortgage Corporation	0.27%	(2.0)	0.15%
Waterstone Mortgage Corporation	0.27%	(2.0)	0.22%
Northpointe Bank	0.28%	(2.0)	0.14%
Amerifirst Home Mortgage	0.28%	(2.0)	0.65%
CrossCountry Mortgage	0.28%	(2.0)	0.24%
Mr. Cooper	0.31%	(2.0)	0.83%
NewDay USA	0.33%	(2.0)	0.14%
Goldwater Bank	0.47%	(1.0)	0.87%

Lender Name	Rate Difference	Rate Rating	Market Share
Third Federal Savings & Loan	-0.35%	(5.0)	9.62%
Dollar Bank	-0.20%	(4.5)	1.07%
Huntington National Bank	-0.20%	(4.5)	8.32%
JPMorgan Chase Bank	-0.14%	(4.0)	4.01%
PNC Bank	-0.14%	(4.0)	2.55%
Century Federal Credit Union	-0.13%	(4.0)	0.15%
TCF Bank	-0.11%	(4.0)	0.15%
First National Bank of Pennsylvania	-0.11%	(4.0)	1.37%
Pulte Mortgage LLC	-0.11%	(4.0)	0.83%
loanDepot	-0.10%	(4.0)	0.74%
Sirva Mortgage	-0.10%	(4.0)	0.15%
Cardinal Credit Union	-0.10%	(4.0)	0.25%
First Federal Lakewood	-0.09%	(4.0)	4.58%
Fifth Third Bank	-0.08%	(4.0)	4.17%
Ruoff Mortgage	-0.07%	(4.0)	1.54%
KeyBank	-0.07%	(4.0)	2.68%
US Bank	-0.05%	(4.0)	1.60%
Seven Seventeen Credit Union	-0.04%	(3.5)	0.23%
Provident Funding	-0.04%	(3.5)	0.12%
Bank of America	-0.04%	(3.5)	0.62%
CF Bank	-0.03%	(3.5)	0.05%
Peoples Bank OH WY KY	-0.03%	(3.5)	0.10%
Signature Mortgage Corporation	-0.03%	(3.5)	0.51%
myCUmortgage	-0.03%	(3.5)	0.68%
Cortland Bank	-0.03%	(3.5)	0.50%
DelMar Financial Company	-0.02%	(3.5)	0.12%
Land Home Financial Services	-0.02%	(3.5)	0.16%
Northwest Bank PA	-0.02%	(3.5)	0.20%
USAA	-0.02%	(3.5)	1.04%
Keller Mortgage	-0.02%	(3.5)	0.35%
Guaranteed Rate	-0.02%	(3.5)	0.21%
Civista Bank	-0.01%	(3.5)	0.24%
First Federal Bank of Florida	-0.01%	(3.5)	0.29%
First Equity Mortgage	-0.01%	(3.5)	0.23%
AimLoan.com	-0.01%	(3.5)	0.04%
PennyMac Loan Services	-0.01%	(3.5)	0.10%
The Farmers National Bank of Canfield	-0.01%	(3.5)	0.13%
Independent Bank Michigan	-0.01%	(3.5)	0.61%
Home Point Financial Corporation	-0.00%	(3.5)	0.67%
Bankers Guarantee	-0.00%	(3.5)	0.49%
Lakeview Loan Servicing	0.00%	(3.5)	0.04%
NewDay USA	0.00%	(3.5)	0.04%
CMG Financial	0.01%	(3.5)	0.18%
Navy Federal Credit Union	0.01%	(3.5)	1.20%
Absolute Home Mortgage	0.01%	(3.5)	0.17%
First Commonwealth Bank	0.01%	(3.5)	0.41%
K. Hovnanian American Mortgage	0.02%	(3.5)	0.18%
Residential Mortgage Services	0.02%	(3.5)	0.63%
Amerisave Mortgage Corporation	0.03%	(3.5)	0.03%
FirstBank TN	0.04%	(3.5)	0.05%
NBKC Bank	0.04%	(3.5)	0.08%
Mid America Mortgage	0.04%	(3.5)	0.49%
Cardinal Financial Company	0.04%	(3.5)	0.07%
First Savings Bank	0.04%	(3.5)	0.07%
CNB Bank	0.05%	(3.5)	0.07%
The Federal Savings Bank	0.05%	(3.0)	0.11%
Polaris Home Funding Corp	0.05%	(3.0)	0.80%
Royal United Mortgage	0.07%	(3.0)	0.12%
Union Capital Mortgage	0.07%	(3.0)	1.71%
Freedom Mortgage Corporation	0.08%	(3.0)	1.13%
Wells Fargo Bank	0.08%	(3.0)	1.89%
HomeBridge Financial Services	0.08%	(3.0)	0.09%
Reliance First Capital	0.08%	(3.0)	0.67%
Intercontinental Capital Group	0.09%	(3.0)	0.05%
NewRez	0.10%	(3.0)	0.88%
Magnolia Bank	0.10%	(3.0)	0.18%
Hallmark Home Mortgage	0.10%	(3.0)	0.14%
Caliber Home Loans	0.11%	(3.0)	0.41%
First Centennial Mortgage	0.11%	(3.0)	0.26%
Synergy One Lending	0.12%	(3.0)	0.48%
Gold Star Mortgage Financial Group	0.12%	(3.0)	0.71%
Revolution Mortgage	0.12%	(3.0)	0.12%
Fairway Independent Mortgage Corporation	0.12%	(3.0)	6.73%
Top Flite Financial, Inc	0.13%	(3.0)	0.38%
Plaza Home Mortgage	0.13%	(3.0)	0.21%
New American Funding	0.14%	(3.0)	0.34%
Quicken Loans	0.15%	(3.0)	6.56%
NVR Mortgage Finance Inc	0.15%	(2.5)	2.12%
Primary Residential Mortgage Inc	0.15%	(2.5)	0.35%
Bank of England AR	0.15%	(2.5)	0.28%
Rapid Mortgage Company	0.16%	(2.5)	0.36%
Homeside Financial	0.17%	(2.5)	0.22%
Nations Lending Corporation	0.17%	(2.5)	1.79%
PrimeLending	0.18%	(2.5)	1.14%
AnnieMac Home Mortgage	0.18%	(2.5)	0.27%
Geneva Financial Home Loans	0.18%	(2.5)	0.14%
LendUS LLC	0.20%	(2.5)	1.10%
PRMG Mortgage	0.21%	(2.5)	0.43%
American Midwest Mortgage	0.21%	(2.5)	2.19%
Mr. Cooper	0.23%	(2.5)	0.32%
Flagstar Bank	0.23%	(2.5)	0.67%
Ohio Catholic Federal Credit Union	0.23%	(2.5)	0.20%
Carrington Mortgage Services	0.24%	(2.5)	0.20%
Farm Credit Mid-America	0.26%	(2.0)	0.23%
Union Home Mortgage	0.26%	(2.0)	3.23%
Waterstone Mortgage Corporation	0.28%	(2.0)	0.35%
First Guaranty Mortgage Corporation	0.28%	(2.0)	0.23%
Liberty Home Mortgage	0.28%	(2.0)	2.40%
Amerifirst Home Mortgage	0.30%	(2.0)	0.97%
CrossCountry Mortgage	0.31%	(2.0)	0.35%
Northpointe Bank	0.39%	(1.5)	0.17%
Goldwater Bank	0.54%	(1.0)	1.16%

Lender Name	Rate Difference	Rate Rating	Market Share
Century Federal Credit Union	-0.50%	(5.0)	1.01%
Third Federal Savings & Loan	-0.35%	(5.0)	5.64%
First Federal Lakewood	-0.26%	(5.0)	3.86%
Northwest Bank PA	-0.24%	(4.5)	0.50%
Ruoff Mortgage	-0.13%	(4.0)	0.44%
AimLoan.com	-0.12%	(4.0)	0.19%
Bank of America	-0.12%	(4.0)	0.57%
CF Bank	-0.12%	(4.0)	0.21%
Mid America Mortgage	-0.10%	(4.0)	0.37%
Provident Funding	-0.10%	(4.0)	0.33%
JPMorgan Chase Bank	-0.09%	(4.0)	6.13%
Sirva Mortgage	-0.09%	(4.0)	0.07%
Navy Federal Credit Union	-0.09%	(4.0)	0.33%
Fifth Third Bank	-0.08%	(4.0)	4.74%
Signature Mortgage Corporation	-0.08%	(4.0)	0.39%
Cortland Bank	-0.08%	(4.0)	0.33%
First National Bank of Pennsylvania	-0.08%	(4.0)	1.95%
TCF Bank	-0.08%	(4.0)	0.14%
Peoples Bank OH WY KY	-0.07%	(4.0)	0.18%
Huntington National Bank	-0.07%	(4.0)	8.81%
Cardinal Credit Union	-0.07%	(4.0)	0.35%
Union Capital Mortgage	-0.06%	(4.0)	0.99%
FirstBank TN	-0.06%	(4.0)	0.19%
Keller Mortgage	-0.06%	(4.0)	0.07%
Amerisave Mortgage Corporation	-0.06%	(4.0)	0.45%
Liberty Home Mortgage	-0.05%	(3.5)	0.72%
USAA	-0.04%	(3.5)	0.36%
Northpointe Bank	-0.04%	(3.5)	0.10%
PennyMac Loan Services	-0.03%	(3.5)	0.76%
Independent Bank Michigan	-0.03%	(3.5)	0.23%
Guaranteed Rate	-0.03%	(3.5)	0.25%
Village Capital	-0.03%	(3.5)	0.40%
Caliber Home Loans	-0.02%	(3.5)	0.74%
First Savings Bank	-0.02%	(3.5)	0.18%
Lakeview Loan Servicing	-0.02%	(3.5)	0.56%
Union Home Mortgage	-0.02%	(3.5)	1.39%
Residential Mortgage Services	-0.01%	(3.5)	0.24%
NBKC Bank	-0.01%	(3.5)	0.16%
First Commonwealth Bank	-0.01%	(3.5)	0.21%
New American Funding	-0.01%	(3.5)	0.24%
Ohio Catholic Federal Credit Union	0.00%	(3.5)	0.87%
Farm Credit Mid-America	0.00%	(3.5)	0.18%
Polaris Home Funding Corp	0.00%	(3.5)	0.26%
CMG Financial	0.00%	(3.5)	0.14%
The Farmers National Bank of Canfield	0.01%	(3.5)	0.24%
CNB Bank	0.01%	(3.5)	0.11%
DelMar Financial Company	0.01%	(3.5)	0.07%
AnnieMac Home Mortgage	0.01%	(3.5)	0.03%
Top Flite Financial, Inc	0.01%	(3.5)	0.07%
Land Home Financial Services	0.01%	(3.5)	0.02%
Rapid Mortgage Company	0.01%	(3.5)	0.07%
Bank of England AR	0.01%	(3.5)	0.23%
Primary Residential Mortgage Inc	0.02%	(3.5)	0.13%
American Midwest Mortgage	0.02%	(3.5)	0.33%
Bankers Guarantee	0.02%	(3.5)	0.10%
Revolution Mortgage	0.02%	(3.5)	0.04%
PRMG Mortgage	0.03%	(3.5)	0.13%
First Federal Bank of Florida	0.03%	(3.5)	0.25%
Home Point Financial Corporation	0.03%	(3.5)	0.38%
KeyBank	0.03%	(3.5)	5.75%
Hallmark Home Mortgage	0.03%	(3.5)	0.02%
First Guaranty Mortgage Corporation	0.03%	(3.5)	0.02%
Magnolia Bank	0.03%	(3.5)	0.16%
NewRez	0.03%	(3.5)	1.04%
Civista Bank	0.04%	(3.5)	0.32%
loanDepot	0.04%	(3.5)	2.17%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	0.53%
PNC Bank	0.04%	(3.5)	5.21%
myCUmortgage	0.05%	(3.5)	0.15%
Cardinal Financial Company	0.05%	(3.5)	0.25%
Absolute Home Mortgage	0.05%	(3.5)	0.07%
Synergy One Lending	0.05%	(3.0)	0.28%
Amerifirst Home Mortgage	0.05%	(3.0)	0.14%
PrimeLending	0.05%	(3.0)	0.28%
Waterstone Mortgage Corporation	0.06%	(3.0)	0.01%
Carrington Mortgage Services	0.06%	(3.0)	1.12%
Nations Lending Corporation	0.06%	(3.0)	1.05%
The Federal Savings Bank	0.06%	(3.0)	0.38%
CrossCountry Mortgage	0.06%	(3.0)	0.06%
HomeBridge Financial Services	0.07%	(3.0)	0.19%
Plaza Home Mortgage	0.08%	(3.0)	0.06%
Geneva Financial Home Loans	0.08%	(3.0)	0.03%
LendUS LLC	0.10%	(3.0)	0.10%
Gold Star Mortgage Financial Group	0.10%	(3.0)	0.14%
Reliance First Capital	0.11%	(3.0)	0.67%
Seven Seventeen Credit Union	0.11%	(3.0)	0.29%
Dollar Bank	0.12%	(3.0)	3.74%
Flagstar Bank	0.12%	(3.0)	0.43%
Goldwater Bank	0.12%	(3.0)	0.40%
Intercontinental Capital Group	0.13%	(3.0)	0.29%
First Centennial Mortgage	0.13%	(3.0)	0.19%
Wells Fargo Bank	0.14%	(3.0)	1.53%
Quicken Loans	0.15%	(3.0)	18.70%
US Bank	0.20%	(2.5)	2.57%
Royal United Mortgage	0.20%	(2.5)	0.36%
Freedom Mortgage Corporation	0.21%	(2.5)	0.64%
Homeside Financial	0.29%	(2.0)	0.27%
Mr. Cooper	0.34%	(2.0)	1.65%
NewDay USA	0.41%	(1.5)	0.30%

Lender Name	Rate Difference	Rate Rating	Market Share
Century Federal Credit Union	-0.43%	(5.0)	0.64%
Third Federal Savings & Loan	-0.35%	(5.0)	10.72%
Northwest Bank PA	-0.16%	(4.5)	0.40%
First Federal Lakewood	-0.14%	(4.0)	5.05%
Pulte Mortgage LLC	-0.12%	(4.0)	0.62%
JPMorgan Chase Bank	-0.12%	(4.0)	6.23%
First National Bank of Pennsylvania	-0.11%	(4.0)	1.83%
Ruoff Mortgage	-0.10%	(4.0)	1.05%
AimLoan.com	-0.10%	(4.0)	0.12%
Sirva Mortgage	-0.10%	(4.0)	0.15%
CF Bank	-0.10%	(4.0)	0.14%
Cardinal Credit Union	-0.08%	(4.0)	0.38%
Provident Funding	-0.08%	(4.0)	0.26%
TCF Bank	-0.08%	(4.0)	0.11%
Fifth Third Bank	-0.07%	(4.0)	5.29%
Bank of America	-0.07%	(4.0)	0.70%
Signature Mortgage Corporation	-0.06%	(4.0)	0.50%
Amerisave Mortgage Corporation	-0.06%	(4.0)	0.20%
Huntington National Bank	-0.06%	(4.0)	8.96%
Peoples Bank OH WY KY	-0.05%	(4.0)	0.18%
FirstBank TN	-0.04%	(3.5)	0.12%
Cortland Bank	-0.04%	(3.5)	0.49%
Guaranteed Rate	-0.03%	(3.5)	0.23%
PNC Bank	-0.02%	(3.5)	4.39%
Keller Mortgage	-0.02%	(3.5)	0.28%
Land Home Financial Services	-0.01%	(3.5)	0.07%
First Equity Mortgage	-0.01%	(3.5)	0.18%
Independent Bank Michigan	-0.01%	(3.5)	0.55%
KeyBank	-0.01%	(3.5)	4.72%
The Farmers National Bank of Canfield	-0.00%	(3.5)	0.22%
First Federal Bank of Florida	-0.00%	(3.5)	0.19%
Mid America Mortgage	0.00%	(3.5)	0.38%
CMG Financial	0.01%	(3.5)	0.13%
DelMar Financial Company	0.01%	(3.5)	0.08%
loanDepot	0.01%	(3.5)	0.99%
Bankers Guarantee	0.01%	(3.5)	0.32%
Civista Bank	0.01%	(3.5)	0.33%
Residential Mortgage Services	0.02%	(3.5)	0.47%
First Commonwealth Bank	0.02%	(3.5)	0.37%
First Savings Bank	0.02%	(3.5)	0.05%
NBKC Bank	0.02%	(3.5)	0.10%
Lakeview Loan Servicing	0.02%	(3.5)	0.03%
K. Hovnanian American Mortgage	0.02%	(3.5)	0.09%
Seven Seventeen Credit Union	0.03%	(3.5)	0.33%
CNB Bank	0.03%	(3.5)	0.12%
Carrington Mortgage Services	0.03%	(3.5)	0.15%
The Federal Savings Bank	0.03%	(3.5)	0.10%
Cardinal Financial Company	0.04%	(3.5)	0.13%
Home Point Financial Corporation	0.04%	(3.5)	0.37%
Dollar Bank	0.05%	(3.0)	2.50%
Absolute Home Mortgage	0.06%	(3.0)	0.04%
Union Capital Mortgage	0.06%	(3.0)	1.46%
Ohio Catholic Federal Credit Union	0.06%	(3.0)	0.60%
PennyMac Loan Services	0.07%	(3.0)	0.14%
US Bank	0.08%	(3.0)	2.40%
Primary Residential Mortgage Inc	0.09%	(3.0)	0.20%
Fairway Independent Mortgage Corporation	0.09%	(3.0)	3.97%
Magnolia Bank	0.10%	(3.0)	0.10%
HomeBridge Financial Services	0.10%	(3.0)	0.03%
USAA	0.10%	(3.0)	0.33%
NewRez	0.10%	(3.0)	0.85%
Bank of England AR	0.10%	(3.0)	0.21%
Plaza Home Mortgage	0.11%	(3.0)	0.05%
Wells Fargo Bank	0.11%	(3.0)	2.21%
Revolution Mortgage	0.11%	(3.0)	0.12%
Hallmark Home Mortgage	0.11%	(3.0)	0.05%
New American Funding	0.12%	(3.0)	0.25%
myCUmortgage	0.13%	(3.0)	0.37%
Synergy One Lending	0.14%	(3.0)	0.24%
First Centennial Mortgage	0.14%	(3.0)	0.22%
Gold Star Mortgage Financial Group	0.15%	(3.0)	0.45%
Intercontinental Capital Group	0.15%	(2.5)	0.09%
Caliber Home Loans	0.15%	(2.5)	0.33%
PRMG Mortgage	0.16%	(2.5)	0.16%
First Guaranty Mortgage Corporation	0.16%	(2.5)	0.04%
Freedom Mortgage Corporation	0.17%	(2.5)	0.50%
Polaris Home Funding Corp	0.18%	(2.5)	0.25%
Top Flite Financial, Inc	0.18%	(2.5)	0.19%
Reliance First Capital	0.18%	(2.5)	0.41%
Union Home Mortgage	0.19%	(2.5)	2.53%
NVR Mortgage Finance Inc	0.19%	(2.5)	1.28%
Farm Credit Mid-America	0.19%	(2.5)	0.26%
PrimeLending	0.20%	(2.5)	0.72%
Nations Lending Corporation	0.21%	(2.5)	1.07%
Rapid Mortgage Company	0.21%	(2.5)	0.17%
Geneva Financial Home Loans	0.21%	(2.5)	0.08%
AnnieMac Home Mortgage	0.21%	(2.5)	0.14%
Quicken Loans	0.22%	(2.5)	9.84%
American Midwest Mortgage	0.24%	(2.5)	0.96%
Royal United Mortgage	0.24%	(2.5)	0.16%
LendUS LLC	0.25%	(2.0)	0.41%
Homeside Financial	0.25%	(2.0)	0.27%
Waterstone Mortgage Corporation	0.28%	(2.0)	0.10%
Flagstar Bank	0.29%	(2.0)	0.47%
CrossCountry Mortgage	0.29%	(2.0)	0.12%
Northpointe Bank	0.31%	(2.0)	0.17%
Amerifirst Home Mortgage	0.33%	(2.0)	0.55%
Navy Federal Credit Union	0.34%	(2.0)	0.53%
Liberty Home Mortgage	0.41%	(1.5)	0.65%
Mr. Cooper	0.42%	(1.5)	0.45%
Goldwater Bank	0.60%	(1.0)	0.75%

Lender Name	Rate Difference	Rate Rating	Market Share
Third Federal Savings & Loan	-0.36%	(5.0)	13.31%
Dollar Bank	-0.17%	(4.5)	1.05%
JPMorgan Chase Bank	-0.15%	(4.0)	5.34%
First National Bank of Pennsylvania	-0.13%	(4.0)	1.50%
Century Federal Credit Union	-0.13%	(4.0)	0.21%
Pulte Mortgage LLC	-0.12%	(4.0)	1.05%
PNC Bank	-0.12%	(4.0)	3.06%
Sirva Mortgage	-0.10%	(4.0)	0.20%
Cardinal Credit Union	-0.10%	(4.0)	0.34%
Ruoff Mortgage	-0.09%	(4.0)	1.46%
First Federal Lakewood	-0.07%	(4.0)	5.37%
Fifth Third Bank	-0.07%	(4.0)	5.00%
KeyBank	-0.07%	(4.0)	3.16%
Huntington National Bank	-0.06%	(4.0)	8.51%
TCF Bank	-0.06%	(4.0)	0.08%
US Bank	-0.05%	(4.0)	1.91%
Signature Mortgage Corporation	-0.05%	(3.5)	0.55%
Seven Seventeen Credit Union	-0.05%	(3.5)	0.31%
Provident Funding	-0.04%	(3.5)	0.17%
CF Bank	-0.04%	(3.5)	0.07%
Bank of America	-0.04%	(3.5)	0.72%
Peoples Bank OH WY KY	-0.03%	(3.5)	0.14%
Guaranteed Rate	-0.02%	(3.5)	0.23%
Northwest Bank PA	-0.02%	(3.5)	0.26%
Land Home Financial Services	-0.02%	(3.5)	0.11%
Cortland Bank	-0.02%	(3.5)	0.57%
PennyMac Loan Services	-0.02%	(3.5)	0.07%
Keller Mortgage	-0.01%	(3.5)	0.41%
AimLoan.com	-0.01%	(3.5)	0.04%
First Equity Mortgage	-0.01%	(3.5)	0.31%
loanDepot	-0.01%	(3.5)	0.51%
The Farmers National Bank of Canfield	-0.01%	(3.5)	0.18%
Civista Bank	-0.01%	(3.5)	0.30%
Independent Bank Michigan	-0.01%	(3.5)	0.77%
First Federal Bank of Florida	-0.00%	(3.5)	0.22%
CMG Financial	0.01%	(3.5)	0.16%
DelMar Financial Company	0.01%	(3.5)	0.07%
Bankers Guarantee	0.01%	(3.5)	0.47%
Lakeview Loan Servicing	0.02%	(3.5)	0.01%
K. Hovnanian American Mortgage	0.02%	(3.5)	0.16%
Cardinal Financial Company	0.02%	(3.5)	0.07%
Residential Mortgage Services	0.02%	(3.5)	0.63%
First Commonwealth Bank	0.03%	(3.5)	0.47%
Home Point Financial Corporation	0.03%	(3.5)	0.49%
FirstBank TN	0.04%	(3.5)	0.05%
First Savings Bank	0.04%	(3.5)	0.03%
Amerisave Mortgage Corporation	0.04%	(3.5)	0.03%
CNB Bank	0.05%	(3.5)	0.10%
Absolute Home Mortgage	0.05%	(3.0)	0.05%
NBKC Bank	0.05%	(3.0)	0.08%
The Federal Savings Bank	0.06%	(3.0)	0.11%
Mid America Mortgage	0.06%	(3.0)	0.44%
Intercontinental Capital Group	0.07%	(3.0)	0.02%
Wells Fargo Bank	0.08%	(3.0)	2.47%
Fairway Independent Mortgage Corporation	0.09%	(3.0)	6.41%
Union Capital Mortgage	0.10%	(3.0)	1.84%
Primary Residential Mortgage Inc	0.11%	(3.0)	0.28%
HomeBridge Financial Services	0.11%	(3.0)	0.04%
Plaza Home Mortgage	0.11%	(3.0)	0.06%
Hallmark Home Mortgage	0.12%	(3.0)	0.08%
USAA	0.12%	(3.0)	0.46%
Revolution Mortgage	0.12%	(3.0)	0.17%
Royal United Mortgage	0.12%	(3.0)	0.06%
Freedom Mortgage Corporation	0.14%	(3.0)	0.59%
myCUmortgage	0.14%	(3.0)	0.52%
Magnolia Bank	0.14%	(3.0)	0.08%
First Centennial Mortgage	0.14%	(3.0)	0.23%
Mr. Cooper	0.15%	(3.0)	0.11%
Gold Star Mortgage Financial Group	0.15%	(3.0)	0.67%
NewRez	0.16%	(2.5)	0.77%
Carrington Mortgage Services	0.16%	(2.5)	0.05%
Bank of England AR	0.17%	(2.5)	0.20%
New American Funding	0.17%	(2.5)	0.30%
Synergy One Lending	0.17%	(2.5)	0.28%
PRMG Mortgage	0.18%	(2.5)	0.21%
Reliance First Capital	0.18%	(2.5)	0.42%
NVR Mortgage Finance Inc	0.18%	(2.5)	2.19%
First Guaranty Mortgage Corporation	0.19%	(2.5)	0.05%
Homeside Financial	0.19%	(2.5)	0.26%
Top Flite Financial, Inc	0.20%	(2.5)	0.29%
Polaris Home Funding Corp	0.20%	(2.5)	0.35%
Caliber Home Loans	0.21%	(2.5)	0.33%
AnnieMac Home Mortgage	0.21%	(2.5)	0.24%
PrimeLending	0.22%	(2.5)	1.03%
Ohio Catholic Federal Credit Union	0.23%	(2.5)	0.27%
Geneva Financial Home Loans	0.24%	(2.5)	0.12%
Quicken Loans	0.24%	(2.5)	5.67%
Nations Lending Corporation	0.25%	(2.5)	1.40%
Rapid Mortgage Company	0.25%	(2.5)	0.24%
Union Home Mortgage	0.25%	(2.0)	3.21%
LendUS LLC	0.26%	(2.0)	0.64%
American Midwest Mortgage	0.27%	(2.0)	1.43%
Farm Credit Mid-America	0.28%	(2.0)	0.30%
Waterstone Mortgage Corporation	0.29%	(2.0)	0.16%
CrossCountry Mortgage	0.35%	(2.0)	0.16%
Amerifirst Home Mortgage	0.35%	(1.5)	0.85%
Flagstar Bank	0.36%	(1.5)	0.51%
Navy Federal Credit Union	0.38%	(1.5)	0.78%
Northpointe Bank	0.43%	(1.5)	0.21%
Liberty Home Mortgage	0.44%	(1.5)	1.00%
Goldwater Bank	0.69%	(1.0)	1.05%

Lender Name	Rate Difference	Rate Rating	Market Share
Century Federal Credit Union	-0.50%	(5.0)	1.25%
Third Federal Savings & Loan	-0.35%	(5.0)	7.03%
First Federal Lakewood	-0.27%	(5.0)	4.59%
Northwest Bank PA	-0.25%	(4.5)	0.60%
Ruoff Mortgage	-0.14%	(4.0)	0.48%
Mid America Mortgage	-0.12%	(4.0)	0.30%
Bank of America	-0.12%	(4.0)	0.67%
CF Bank	-0.12%	(4.0)	0.25%
AimLoan.com	-0.11%	(4.0)	0.24%
Provident Funding	-0.10%	(4.0)	0.40%
JPMorgan Chase Bank	-0.09%	(4.0)	7.50%
Signature Mortgage Corporation	-0.09%	(4.0)	0.44%
Sirva Mortgage	-0.09%	(4.0)	0.09%
Cortland Bank	-0.09%	(4.0)	0.38%
TCF Bank	-0.08%	(4.0)	0.16%
First National Bank of Pennsylvania	-0.08%	(4.0)	2.30%
Fifth Third Bank	-0.08%	(4.0)	5.71%
Peoples Bank OH WY KY	-0.07%	(4.0)	0.22%
Union Capital Mortgage	-0.07%	(4.0)	0.92%
Amerisave Mortgage Corporation	-0.07%	(4.0)	0.44%
FirstBank TN	-0.06%	(4.0)	0.22%
Cardinal Credit Union	-0.06%	(4.0)	0.44%
Keller Mortgage	-0.05%	(4.0)	0.09%
Huntington National Bank	-0.05%	(3.5)	9.60%
Guaranteed Rate	-0.04%	(3.5)	0.23%
Northpointe Bank	-0.04%	(3.5)	0.11%
Independent Bank Michigan	-0.04%	(3.5)	0.25%
The Federal Savings Bank	-0.03%	(3.5)	0.07%
Union Home Mortgage	-0.02%	(3.5)	1.57%
New American Funding	-0.02%	(3.5)	0.18%
USAA	-0.02%	(3.5)	0.14%
Residential Mortgage Services	-0.02%	(3.5)	0.23%
First Commonwealth Bank	-0.01%	(3.5)	0.23%
NBKC Bank	-0.01%	(3.5)	0.13%
CMG Financial	-0.00%	(3.5)	0.08%
First Federal Bank of Florida	0.00%	(3.5)	0.15%
Carrington Mortgage Services	0.00%	(3.5)	0.30%
Farm Credit Mid-America	0.00%	(3.5)	0.20%
Ohio Catholic Federal Credit Union	0.00%	(3.5)	1.06%
Primary Residential Mortgage Inc	0.01%	(3.5)	0.09%
Land Home Financial Services	0.01%	(3.5)	0.02%
DelMar Financial Company	0.01%	(3.5)	0.08%
The Farmers National Bank of Canfield	0.01%	(3.5)	0.29%
CNB Bank	0.01%	(3.5)	0.14%
First Savings Bank	0.01%	(3.5)	0.08%
Rapid Mortgage Company	0.01%	(3.5)	0.07%
American Midwest Mortgage	0.02%	(3.5)	0.30%
loanDepot	0.02%	(3.5)	1.66%
Bank of England AR	0.02%	(3.5)	0.23%
Top Flite Financial, Inc	0.02%	(3.5)	0.06%
Polaris Home Funding Corp	0.03%	(3.5)	0.10%
Bankers Guarantee	0.03%	(3.5)	0.11%
Lakeview Loan Servicing	0.03%	(3.5)	0.05%
Revolution Mortgage	0.03%	(3.5)	0.05%
Navy Federal Credit Union	0.03%	(3.5)	0.17%
NewRez	0.03%	(3.5)	0.96%
KeyBank	0.04%	(3.5)	6.94%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	0.51%
Home Point Financial Corporation	0.04%	(3.5)	0.20%
Civista Bank	0.04%	(3.5)	0.38%
Hallmark Home Mortgage	0.04%	(3.5)	0.02%
Cardinal Financial Company	0.05%	(3.5)	0.22%
Magnolia Bank	0.05%	(3.5)	0.11%
PNC Bank	0.05%	(3.5)	6.28%
First Guaranty Mortgage Corporation	0.05%	(3.0)	0.02%
myCUmortgage	0.06%	(3.0)	0.16%
Waterstone Mortgage Corporation	0.06%	(3.0)	0.02%
Amerifirst Home Mortgage	0.06%	(3.0)	0.12%
Caliber Home Loans	0.07%	(3.0)	0.32%
PrimeLending	0.07%	(3.0)	0.28%
Nations Lending Corporation	0.07%	(3.0)	0.59%
Absolute Home Mortgage	0.07%	(3.0)	0.03%
PRMG Mortgage	0.07%	(3.0)	0.07%
Synergy One Lending	0.07%	(3.0)	0.19%
CrossCountry Mortgage	0.08%	(3.0)	0.06%
HomeBridge Financial Services	0.08%	(3.0)	0.03%
Geneva Financial Home Loans	0.09%	(3.0)	0.04%
Liberty Home Mortgage	0.10%	(3.0)	0.16%
Plaza Home Mortgage	0.11%	(3.0)	0.04%
PennyMac Loan Services	0.11%	(3.0)	0.25%
Gold Star Mortgage Financial Group	0.11%	(3.0)	0.15%
Seven Seventeen Credit Union	0.12%	(3.0)	0.36%
Dollar Bank	0.13%	(3.0)	4.57%
LendUS LLC	0.13%	(3.0)	0.09%
First Centennial Mortgage	0.14%	(3.0)	0.19%
Wells Fargo Bank	0.15%	(2.5)	1.85%
Flagstar Bank	0.16%	(2.5)	0.40%
Intercontinental Capital Group	0.17%	(2.5)	0.19%
Reliance First Capital	0.18%	(2.5)	0.40%
Goldwater Bank	0.19%	(2.5)	0.31%
US Bank	0.21%	(2.5)	3.08%
Quicken Loans	0.22%	(2.5)	15.76%
Freedom Mortgage Corporation	0.23%	(2.5)	0.38%
Royal United Mortgage	0.28%	(2.0)	0.30%
Homeside Financial	0.34%	(2.0)	0.28%
Mr. Cooper	0.46%	(1.0)	0.94%

Lender Name	Rate Difference	Rate Rating	Market Share
Huntington National Bank	-0.59%	(5.0)	7.95%
PNC Bank	-0.33%	(5.0)	0.96%
First Federal Lakewood	-0.32%	(5.0)	1.64%
Dollar Bank	-0.28%	(5.0)	1.02%
myCUmortgage	-0.25%	(5.0)	0.96%
Fifth Third Bank	-0.21%	(4.5)	1.52%
KeyBank	-0.17%	(4.5)	0.59%
TCF Bank	-0.16%	(4.5)	0.29%
First National Bank of Pennsylvania	-0.13%	(4.0)	0.37%
First Commonwealth Bank	-0.10%	(4.0)	0.17%
US Bank	-0.08%	(4.0)	0.63%
Home Point Financial Corporation	-0.07%	(4.0)	1.01%
Cortland Bank	-0.07%	(4.0)	0.31%
Bank of America	-0.06%	(4.0)	0.11%
Caliber Home Loans	-0.06%	(4.0)	1.14%
Civista Bank	-0.06%	(4.0)	0.09%
loanDepot	-0.06%	(4.0)	2.13%
PennyMac Loan Services	-0.06%	(4.0)	0.71%
First Federal Bank of Florida	-0.06%	(4.0)	0.34%
Navy Federal Credit Union	-0.05%	(4.0)	0.08%
DelMar Financial Company	-0.05%	(3.5)	0.22%
Bankers Guarantee	-0.05%	(3.5)	0.40%
Ruoff Mortgage	-0.04%	(3.5)	1.58%
Union Capital Mortgage	-0.03%	(3.5)	1.42%
Keller Mortgage	-0.03%	(3.5)	0.12%
Polaris Home Funding Corp	-0.03%	(3.5)	1.89%
Mid America Mortgage	-0.03%	(3.5)	0.63%
Land Home Financial Services	-0.03%	(3.5)	0.25%
Independent Bank Michigan	-0.02%	(3.5)	0.08%
Quicken Loans	-0.02%	(3.5)	16.95%
NBKC Bank	-0.02%	(3.5)	0.08%
Provident Funding	-0.01%	(3.5)	0.02%
Amerisave Mortgage Corporation	-0.01%	(3.5)	0.22%
CF Bank	-0.00%	(3.5)	0.02%
Reliance First Capital	0.00%	(3.5)	1.72%
Absolute Home Mortgage	0.00%	(3.5)	0.46%
NewRez	0.00%	(3.5)	1.22%
K. Hovnanian American Mortgage	0.00%	(3.5)	0.12%
Northpointe Bank	0.00%	(3.5)	0.08%
First Equity Mortgage	0.01%	(3.5)	0.02%
Residential Mortgage Services	0.01%	(3.5)	0.57%
Village Capital	0.01%	(3.5)	0.48%
The Farmers National Bank of Canfield	0.01%	(3.5)	0.02%
Pulte Mortgage LLC	0.01%	(3.5)	0.05%
CMG Financial	0.01%	(3.5)	0.25%
First Savings Bank	0.02%	(3.5)	0.22%
FirstBank TN	0.02%	(3.5)	0.03%
Guaranteed Rate	0.03%	(3.5)	0.15%
Signature Mortgage Corporation	0.03%	(3.5)	0.42%
The Federal Savings Bank	0.04%	(3.5)	0.11%
Lakeview Loan Servicing	0.04%	(3.5)	0.67%
Top Flite Financial, Inc	0.04%	(3.5)	0.54%
Wells Fargo Bank	0.05%	(3.5)	0.06%
Royal United Mortgage	0.05%	(3.5)	0.40%
Gold Star Mortgage Financial Group	0.06%	(3.0)	0.70%
Flagstar Bank	0.06%	(3.0)	0.80%
Freedom Mortgage Corporation	0.06%	(3.0)	2.40%
First Centennial Mortgage	0.06%	(3.0)	0.36%
Cardinal Financial Company	0.06%	(3.0)	0.25%
Synergy One Lending	0.06%	(3.0)	0.93%
Rapid Mortgage Company	0.06%	(3.0)	0.60%
Magnolia Bank	0.07%	(3.0)	0.45%
Nations Lending Corporation	0.07%	(3.0)	3.22%
NVR Mortgage Finance Inc	0.08%	(3.0)	1.39%
New American Funding	0.08%	(3.0)	0.46%
Intercontinental Capital Group	0.08%	(3.0)	0.39%
Homeside Financial	0.09%	(3.0)	0.14%
HomeBridge Financial Services	0.09%	(3.0)	0.40%
Geneva Financial Home Loans	0.09%	(3.0)	0.14%
Hallmark Home Mortgage	0.10%	(3.0)	0.20%
PrimeLending	0.10%	(3.0)	1.14%
JPMorgan Chase Bank	0.10%	(3.0)	0.14%
Carrington Mortgage Services	0.10%	(3.0)	1.79%
AnnieMac Home Mortgage	0.12%	(3.0)	0.26%
Plaza Home Mortgage	0.13%	(3.0)	0.56%
Bank of England AR	0.14%	(3.0)	0.46%
LendUS LLC	0.15%	(2.5)	2.07%
Liberty Home Mortgage	0.16%	(2.5)	6.40%
American Midwest Mortgage	0.17%	(2.5)	3.68%
Primary Residential Mortgage Inc	0.20%	(2.5)	0.56%
PRMG Mortgage	0.20%	(2.5)	0.91%
Fairway Independent Mortgage Corporation	0.20%	(2.5)	6.33%
Amerifirst Home Mortgage	0.21%	(2.5)	1.14%
Mr. Cooper	0.26%	(2.0)	2.20%
Goldwater Bank	0.27%	(2.0)	1.31%
CrossCountry Mortgage	0.28%	(2.0)	0.77%
First Guaranty Mortgage Corporation	0.30%	(2.0)	0.65%
Union Home Mortgage	0.30%	(2.0)	2.65%
Waterstone Mortgage Corporation	0.30%	(2.0)	0.67%

Lender Name	Rate Difference	Rate Rating	Market Share
Huntington National Bank	-0.66%	(5.0)	8.60%
PNC Bank	-0.37%	(5.0)	1.16%
First Federal Lakewood	-0.33%	(5.0)	2.19%
Dollar Bank	-0.30%	(5.0)	1.32%
myCUmortgage	-0.27%	(5.0)	1.24%
Fifth Third Bank	-0.24%	(4.5)	1.83%
loanDepot	-0.22%	(4.5)	1.54%
TCF Bank	-0.17%	(4.5)	0.38%
KeyBank	-0.17%	(4.5)	0.80%
First National Bank of Pennsylvania	-0.14%	(4.0)	0.48%
First Commonwealth Bank	-0.10%	(4.0)	0.23%
US Bank	-0.10%	(4.0)	0.76%
Home Point Financial Corporation	-0.09%	(4.0)	1.14%
Cortland Bank	-0.07%	(4.0)	0.38%
Civista Bank	-0.07%	(4.0)	0.11%
First Federal Bank of Florida	-0.07%	(4.0)	0.38%
Bank of America	-0.07%	(4.0)	0.15%
DelMar Financial Company	-0.06%	(4.0)	0.27%
Navy Federal Credit Union	-0.05%	(4.0)	0.11%
Bankers Guarantee	-0.05%	(3.5)	0.53%
Ruoff Mortgage	-0.04%	(3.5)	2.02%
Union Capital Mortgage	-0.04%	(3.5)	1.51%
Keller Mortgage	-0.04%	(3.5)	0.17%
Polaris Home Funding Corp	-0.03%	(3.5)	2.17%
Land Home Financial Services	-0.03%	(3.5)	0.32%
Caliber Home Loans	-0.03%	(3.5)	0.69%
Independent Bank Michigan	-0.03%	(3.5)	0.11%
PennyMac Loan Services	-0.02%	(3.5)	0.19%
Mid America Mortgage	-0.02%	(3.5)	0.65%
NBKC Bank	-0.01%	(3.5)	0.04%
Quicken Loans	-0.01%	(3.5)	9.46%
Absolute Home Mortgage	-0.01%	(3.5)	0.53%
Lakeview Loan Servicing	-0.01%	(3.5)	0.15%
Reliance First Capital	-0.01%	(3.5)	1.56%
NewRez	-0.01%	(3.5)	1.20%
CF Bank	-0.00%	(3.5)	0.02%
K. Hovnanian American Mortgage	-0.00%	(3.5)	0.17%
Northpointe Bank	0.00%	(3.5)	0.08%
First Equity Mortgage	0.00%	(3.5)	0.02%
Amerisave Mortgage Corporation	0.00%	(3.5)	0.06%
Residential Mortgage Services	0.01%	(3.5)	0.65%
The Farmers National Bank of Canfield	0.01%	(3.5)	0.02%
Pulte Mortgage LLC	0.01%	(3.5)	0.06%
CMG Financial	0.01%	(3.5)	0.25%
FirstBank TN	0.01%	(3.5)	0.02%
Guaranteed Rate	0.02%	(3.5)	0.15%
Royal United Mortgage	0.03%	(3.5)	0.34%
Freedom Mortgage Corporation	0.03%	(3.5)	2.80%
Signature Mortgage Corporation	0.03%	(3.5)	0.44%
The Federal Savings Bank	0.04%	(3.5)	0.06%
First Savings Bank	0.04%	(3.5)	0.17%
Top Flite Financial, Inc	0.05%	(3.5)	0.67%
Wells Fargo Bank	0.05%	(3.5)	0.06%
First Centennial Mortgage	0.05%	(3.0)	0.38%
Gold Star Mortgage Financial Group	0.05%	(3.0)	0.90%
Flagstar Bank	0.06%	(3.0)	1.07%
Homeside Financial	0.06%	(3.0)	0.08%
Rapid Mortgage Company	0.06%	(3.0)	0.80%
Nations Lending Corporation	0.06%	(3.0)	3.15%
Cardinal Financial Company	0.07%	(3.0)	0.13%
Synergy One Lending	0.07%	(3.0)	1.03%
NVR Mortgage Finance Inc	0.08%	(3.0)	1.89%
HomeBridge Financial Services	0.08%	(3.0)	0.21%
Magnolia Bank	0.08%	(3.0)	0.50%
Intercontinental Capital Group	0.09%	(3.0)	0.17%
Geneva Financial Home Loans	0.09%	(3.0)	0.19%
Hallmark Home Mortgage	0.10%	(3.0)	0.27%
JPMorgan Chase Bank	0.11%	(3.0)	0.11%
PrimeLending	0.11%	(3.0)	1.43%
New American Funding	0.11%	(3.0)	0.42%
Plaza Home Mortgage	0.14%	(3.0)	0.67%
AnnieMac Home Mortgage	0.14%	(3.0)	0.29%
Bank of England AR	0.15%	(3.0)	0.57%
LendUS LLC	0.15%	(2.5)	2.75%
American Midwest Mortgage	0.17%	(2.5)	4.79%
Fairway Independent Mortgage Corporation	0.21%	(2.5)	8.31%
Liberty Home Mortgage	0.21%	(2.5)	7.17%
Amerifirst Home Mortgage	0.22%	(2.5)	1.45%
PRMG Mortgage	0.23%	(2.5)	1.07%
Primary Residential Mortgage Inc	0.25%	(2.5)	0.59%
Mr. Cooper	0.28%	(2.0)	0.95%
Carrington Mortgage Services	0.28%	(2.0)	0.55%
CrossCountry Mortgage	0.28%	(2.0)	1.03%
Goldwater Bank	0.30%	(2.0)	1.56%
Waterstone Mortgage Corporation	0.30%	(2.0)	0.90%
First Guaranty Mortgage Corporation	0.30%	(2.0)	0.86%
Union Home Mortgage	0.31%	(2.0)	3.34%

Lender Name	Rate Difference	Rate Rating	Market Share
Huntington National Bank	-0.32%	(5.0)	6.14%
Liberty Home Mortgage	-0.09%	(4.0)	4.27%
Caliber Home Loans	-0.08%	(4.0)	2.40%
PennyMac Loan Services	-0.06%	(4.0)	2.16%
Mid America Mortgage	-0.06%	(4.0)	0.58%
PNC Bank	-0.03%	(3.5)	0.41%
Union Capital Mortgage	-0.03%	(3.5)	1.17%
Quicken Loans	-0.02%	(3.5)	37.78%
Dollar Bank	-0.02%	(3.5)	0.18%
Polaris Home Funding Corp	-0.02%	(3.5)	1.11%
myCUmortgage	-0.01%	(3.5)	0.18%
NBKC Bank	-0.01%	(3.5)	0.18%
First Federal Lakewood	-0.01%	(3.5)	0.12%
PRMG Mortgage	-0.01%	(3.5)	0.47%
Amerisave Mortgage Corporation	-0.01%	(3.5)	0.64%
Top Flite Financial, Inc	-0.00%	(3.5)	0.18%
Bank of England AR	-0.00%	(3.5)	0.18%
Provident Funding	-0.00%	(3.5)	0.06%
Cortland Bank	-0.00%	(3.5)	0.12%
First Guaranty Mortgage Corporation	-0.00%	(3.5)	0.06%
Residential Mortgage Services	0.00%	(3.5)	0.35%
Civista Bank	0.00%	(3.5)	0.06%
AnnieMac Home Mortgage	0.00%	(3.5)	0.18%
First Savings Bank	0.00%	(3.5)	0.35%
CrossCountry Mortgage	0.01%	(3.5)	0.06%
First Federal Bank of Florida	0.01%	(3.5)	0.23%
Synergy One Lending	0.01%	(3.5)	0.64%
Northpointe Bank	0.01%	(3.5)	0.06%
PrimeLending	0.01%	(3.5)	0.35%
New American Funding	0.01%	(3.5)	0.58%
Village Capital	0.01%	(3.5)	1.81%
First National Bank of Pennsylvania	0.01%	(3.5)	0.06%
Reliance First Capital	0.02%	(3.5)	2.16%
Bankers Guarantee	0.02%	(3.5)	0.06%
NewRez	0.02%	(3.5)	1.29%
LendUS LLC	0.02%	(3.5)	0.18%
CMG Financial	0.02%	(3.5)	0.23%
Ruoff Mortgage	0.02%	(3.5)	0.35%
Land Home Financial Services	0.02%	(3.5)	0.06%
Fifth Third Bank	0.02%	(3.5)	0.64%
American Midwest Mortgage	0.03%	(3.5)	0.58%
Signature Mortgage Corporation	0.03%	(3.5)	0.35%
DelMar Financial Company	0.03%	(3.5)	0.06%
Primary Residential Mortgage Inc	0.03%	(3.5)	0.47%
TCF Bank	0.03%	(3.5)	0.06%
Flagstar Bank	0.03%	(3.5)	0.06%
Amerifirst Home Mortgage	0.03%	(3.5)	0.29%
Magnolia Bank	0.03%	(3.5)	0.29%
FirstBank TN	0.04%	(3.5)	0.06%
Rapid Mortgage Company	0.04%	(3.5)	0.06%
Wells Fargo Bank	0.04%	(3.5)	0.06%
Union Home Mortgage	0.04%	(3.5)	0.70%
Home Point Financial Corporation	0.04%	(3.5)	0.64%
Guaranteed Rate	0.04%	(3.5)	0.18%
US Bank	0.05%	(3.5)	0.29%
Fairway Independent Mortgage Corporation	0.05%	(3.5)	0.82%
The Federal Savings Bank	0.05%	(3.5)	0.23%
Gold Star Mortgage Financial Group	0.05%	(3.0)	0.12%
Absolute Home Mortgage	0.05%	(3.0)	0.29%
Plaza Home Mortgage	0.05%	(3.0)	0.23%
Goldwater Bank	0.05%	(3.0)	0.64%
Lakeview Loan Servicing	0.06%	(3.0)	2.11%
Carrington Mortgage Services	0.06%	(3.0)	5.26%
Cardinal Financial Company	0.06%	(3.0)	0.58%
First Centennial Mortgage	0.07%	(3.0)	0.29%
Royal United Mortgage	0.07%	(3.0)	0.58%
Intercontinental Capital Group	0.08%	(3.0)	0.99%
Nations Lending Corporation	0.09%	(3.0)	3.39%
JPMorgan Chase Bank	0.10%	(3.0)	0.23%
HomeBridge Financial Services	0.11%	(3.0)	0.94%
Homeside Financial	0.11%	(3.0)	0.29%
loanDepot	0.13%	(3.0)	3.80%
Freedom Mortgage Corporation	0.22%	(2.5)	1.29%
Mr. Cooper	0.25%	(2.0)	5.67%

Lender Name	Rate Difference	Rate Rating	Market Share
KeyBank	-0.04%	(3.5)	16.67%
Bank of America	-0.04%	(3.5)	4.41%
First Federal Lakewood	-0.02%	(3.5)	12.75%
Fifth Third Bank	-0.02%	(3.5)	7.11%
Wells Fargo Bank	-0.01%	(3.5)	4.17%
Northwest Bank PA	-0.00%	(3.5)	0.98%
Third Federal Savings & Loan	0.00%	(3.5)	3.92%
Huntington National Bank	0.00%	(3.5)	7.84%
Guaranteed Rate	0.01%	(3.5)	0.25%
Pulte Mortgage LLC	0.01%	(3.5)	1.23%
Residential Mortgage Services	0.02%	(3.5)	0.25%
Civista Bank	0.02%	(3.5)	0.25%
Cortland Bank	0.02%	(3.5)	0.25%
Quicken Loans	0.02%	(3.5)	1.47%
The Farmers National Bank of Canfield	0.02%	(3.5)	0.25%
Sirva Mortgage	0.02%	(3.5)	0.25%
The Federal Savings Bank	0.02%	(3.5)	0.25%
First National Bank of Pennsylvania	0.02%	(3.5)	9.56%
PNC Bank	0.03%	(3.5)	6.37%
US Bank	0.03%	(3.5)	3.43%
Navy Federal Credit Union	0.03%	(3.5)	0.25%
Ohio Catholic Federal Credit Union	0.03%	(3.5)	0.49%
JPMorgan Chase Bank	0.03%	(3.5)	8.33%
Independent Bank Michigan	0.03%	(3.5)	1.96%
Farm Credit Mid-America	0.04%	(3.5)	1.23%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	0.25%
First Commonwealth Bank	0.04%	(3.5)	1.47%
Century Federal Credit Union	0.04%	(3.5)	0.25%
Synergy One Lending	0.04%	(3.5)	0.25%
Union Capital Mortgage	0.04%	(3.5)	0.98%
Caliber Home Loans	0.04%	(3.5)	0.49%
NewRez	0.05%	(3.5)	0.49%
Dollar Bank	0.07%	(3.0)	1.96%

Lender Name	Rate Difference	Rate Rating	Market Share
Bank of America	-0.05%	(3.5)	5.37%
KeyBank	-0.05%	(3.5)	16.94%
Huntington National Bank	-0.02%	(3.5)	4.55%
Wells Fargo Bank	-0.01%	(3.5)	5.37%
Fifth Third Bank	-0.01%	(3.5)	9.09%
Third Federal Savings & Loan	0.00%	(3.5)	5.79%
First Federal Lakewood	0.01%	(3.5)	12.40%
Northwest Bank PA	0.01%	(3.5)	0.41%
US Bank	0.01%	(3.5)	2.48%
Guaranteed Rate	0.01%	(3.5)	0.41%
Pulte Mortgage LLC	0.02%	(3.5)	2.07%
Residential Mortgage Services	0.02%	(3.5)	0.41%
PNC Bank	0.02%	(3.5)	4.96%
JPMorgan Chase Bank	0.02%	(3.5)	9.09%
Sirva Mortgage	0.03%	(3.5)	0.41%
Navy Federal Credit Union	0.03%	(3.5)	0.41%
First National Bank of Pennsylvania	0.03%	(3.5)	10.33%
Independent Bank Michigan	0.04%	(3.5)	2.07%
Quicken Loans	0.04%	(3.5)	1.24%
First Commonwealth Bank	0.04%	(3.5)	1.65%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	0.41%
Synergy One Lending	0.04%	(3.5)	0.41%
Dollar Bank	0.05%	(3.5)	0.83%
Caliber Home Loans	0.05%	(3.0)	0.41%
NewRez	0.05%	(3.0)	0.41%
Union Capital Mortgage	0.05%	(3.0)	0.83%
Farm Credit Mid-America	0.06%	(3.0)	1.24%

Lender Name	Rate Difference	Rate Rating	Market Share
First Federal Lakewood	-0.06%	(4.0)	13.25%
Fifth Third Bank	-0.03%	(3.5)	4.22%
KeyBank	-0.03%	(3.5)	16.27%
Bank of America	-0.01%	(3.5)	3.01%
Northwest Bank PA	-0.01%	(3.5)	1.81%
Quicken Loans	-0.00%	(3.5)	1.81%
Wells Fargo Bank	0.00%	(3.5)	2.41%
Farm Credit Mid-America	0.00%	(3.5)	1.20%
Huntington National Bank	0.01%	(3.5)	12.65%
First National Bank of Pennsylvania	0.01%	(3.5)	8.43%
Civista Bank	0.01%	(3.5)	0.60%
Cortland Bank	0.01%	(3.5)	0.60%
The Farmers National Bank of Canfield	0.02%	(3.5)	0.60%
Third Federal Savings & Loan	0.02%	(3.5)	1.20%
The Federal Savings Bank	0.02%	(3.5)	0.60%
Union Capital Mortgage	0.03%	(3.5)	1.20%
Independent Bank Michigan	0.03%	(3.5)	1.81%
Ohio Catholic Federal Credit Union	0.03%	(3.5)	1.20%
PNC Bank	0.03%	(3.5)	8.43%
Caliber Home Loans	0.03%	(3.5)	0.60%
US Bank	0.03%	(3.5)	4.82%
Century Federal Credit Union	0.04%	(3.5)	0.60%
First Commonwealth Bank	0.04%	(3.5)	1.20%
NewRez	0.04%	(3.5)	0.60%
JPMorgan Chase Bank	0.05%	(3.5)	7.23%
Dollar Bank	0.07%	(3.0)	3.61%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.30%	(5.0)	8.29%
Lakeview Loan Servicing	-0.12%	(4.0)	1.86%
PennyMac Loan Services	-0.11%	(4.0)	2.23%
Village Capital	-0.10%	(4.0)	1.22%
First National Bank of Pennsylvania	-0.09%	(4.0)	0.74%
USAA	-0.08%	(4.0)	9.83%
First Federal Lakewood	-0.08%	(4.0)	1.17%
First Savings Bank	-0.07%	(4.0)	0.58%
Caliber Home Loans	-0.06%	(4.0)	1.38%
PNC Bank	-0.04%	(3.5)	0.80%
Dollar Bank	-0.03%	(3.5)	0.32%
Mid America Mortgage	-0.03%	(3.5)	0.74%
HomeBridge Financial Services	-0.02%	(3.5)	0.53%
NBKC Bank	-0.02%	(3.5)	0.43%
Fifth Third Bank	-0.02%	(3.5)	1.12%
American Midwest Mortgage	-0.02%	(3.5)	1.33%
loanDepot	-0.02%	(3.5)	2.98%
PrimeLending	-0.01%	(3.5)	1.06%
TCF Bank	-0.01%	(3.5)	0.16%
Wells Fargo Bank	-0.01%	(3.5)	0.58%
Sirva Mortgage	-0.01%	(3.5)	0.05%
AimLoan.com	-0.01%	(3.5)	0.11%
CMG Financial	-0.01%	(3.5)	0.37%
Nations Lending Corporation	-0.01%	(3.5)	2.07%
Magnolia Bank	-0.00%	(3.5)	0.32%
Seven Seventeen Credit Union	-0.00%	(3.5)	0.11%
First Commonwealth Bank	-0.00%	(3.5)	0.05%
Northwest Bank PA	-0.00%	(3.5)	0.11%
Signature Mortgage Corporation	-0.00%	(3.5)	0.16%
Primary Residential Mortgage Inc	0.00%	(3.5)	0.27%
Bank of England AR	0.00%	(3.5)	0.37%
myCUmortgage	0.00%	(3.5)	0.37%
Keller Mortgage	0.00%	(3.5)	0.16%
Independent Bank Michigan	0.00%	(3.5)	0.16%
Land Home Financial Services	0.00%	(3.5)	0.11%
Union Capital Mortgage	0.00%	(3.5)	1.28%
Ruoff Mortgage	0.00%	(3.5)	0.64%
Cortland Bank	0.00%	(3.5)	0.16%
CF Bank	0.01%	(3.5)	0.05%
Guaranteed Rate	0.01%	(3.5)	0.37%
Royal United Mortgage	0.01%	(3.5)	0.32%
Bank of America	0.01%	(3.5)	0.05%
Huntington National Bank	0.01%	(3.5)	4.25%
K. Hovnanian American Mortgage	0.01%	(3.5)	0.37%
Geneva Financial Home Loans	0.01%	(3.5)	0.11%
NVR Mortgage Finance Inc	0.01%	(3.5)	1.43%
Residential Mortgage Services	0.01%	(3.5)	0.32%
Absolute Home Mortgage	0.01%	(3.5)	0.27%
First Guaranty Mortgage Corporation	0.01%	(3.5)	0.05%
Pulte Mortgage LLC	0.01%	(3.5)	0.37%
Intercontinental Capital Group	0.02%	(3.5)	0.05%
FirstBank TN	0.02%	(3.5)	0.11%
Peoples Bank OH WY KY	0.02%	(3.5)	0.05%
First Equity Mortgage	0.02%	(3.5)	0.05%
KeyBank	0.02%	(3.5)	0.43%
First Centennial Mortgage	0.02%	(3.5)	0.05%
Top Flite Financial, Inc	0.02%	(3.5)	0.32%
Amerisave Mortgage Corporation	0.03%	(3.5)	0.11%
DelMar Financial Company	0.03%	(3.5)	0.05%
CrossCountry Mortgage	0.03%	(3.5)	0.05%
Bankers Guarantee	0.03%	(3.5)	0.48%
Polaris Home Funding Corp	0.03%	(3.5)	1.01%
US Bank	0.03%	(3.5)	0.37%
New American Funding	0.04%	(3.5)	0.53%
AnnieMac Home Mortgage	0.04%	(3.5)	0.37%
Home Point Financial Corporation	0.05%	(3.5)	1.70%
LendUS LLC	0.05%	(3.5)	0.43%
Flagstar Bank	0.05%	(3.5)	1.43%
First Federal Bank of Florida	0.05%	(3.5)	1.33%
Goldwater Bank	0.05%	(3.5)	1.22%
Plaza Home Mortgage	0.05%	(3.0)	0.16%
Homeside Financial	0.05%	(3.0)	0.32%
Hallmark Home Mortgage	0.05%	(3.0)	0.32%
Rapid Mortgage Company	0.05%	(3.0)	0.11%
NewRez	0.05%	(3.0)	1.38%
Synergy One Lending	0.06%	(3.0)	0.85%
Reliance First Capital	0.06%	(3.0)	0.80%
JPMorgan Chase Bank	0.07%	(3.0)	0.64%
Waterstone Mortgage Corporation	0.07%	(3.0)	0.43%
The Federal Savings Bank	0.07%	(3.0)	2.23%
PRMG Mortgage	0.07%	(3.0)	0.43%
Gold Star Mortgage Financial Group	0.07%	(3.0)	0.37%
Quicken Loans	0.08%	(3.0)	13.50%
Amerifirst Home Mortgage	0.08%	(3.0)	0.53%
Liberty Home Mortgage	0.09%	(3.0)	1.38%
Fairway Independent Mortgage Corporation	0.09%	(3.0)	3.35%
Union Home Mortgage	0.11%	(3.0)	2.44%
Mr. Cooper	0.12%	(3.0)	1.59%
Carrington Mortgage Services	0.12%	(3.0)	2.02%
Freedom Mortgage Corporation	0.13%	(3.0)	2.23%
NewDay USA	0.33%	(2.0)	2.60%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.30%	(5.0)	12.40%
First National Bank of Pennsylvania	-0.06%	(4.0)	1.34%
USAA	-0.06%	(4.0)	14.41%
First Federal Lakewood	-0.05%	(4.0)	2.00%
PNC Bank	-0.04%	(3.5)	0.95%
Dollar Bank	-0.01%	(3.5)	0.38%
Fifth Third Bank	0.01%	(3.5)	1.43%
American Midwest Mortgage	0.01%	(3.5)	2.10%
TCF Bank	0.01%	(3.5)	0.19%
Caliber Home Loans	0.01%	(3.5)	0.29%
PrimeLending	0.01%	(3.5)	1.72%
Wells Fargo Bank	0.01%	(3.5)	0.86%
Sirva Mortgage	0.02%	(3.5)	0.10%
AimLoan.com	0.02%	(3.5)	0.19%
Quicken Loans	0.02%	(3.5)	7.54%
Seven Seventeen Credit Union	0.03%	(3.5)	0.19%
Northwest Bank PA	0.03%	(3.5)	0.19%
Signature Mortgage Corporation	0.03%	(3.5)	0.29%
Primary Residential Mortgage Inc	0.03%	(3.5)	0.48%
NewDay USA	0.03%	(3.5)	0.86%
myCUmortgage	0.03%	(3.5)	0.67%
NBKC Bank	0.03%	(3.5)	0.29%
Ruoff Mortgage	0.03%	(3.5)	0.95%
Keller Mortgage	0.03%	(3.5)	0.29%
Independent Bank Michigan	0.03%	(3.5)	0.19%
Land Home Financial Services	0.03%	(3.5)	0.19%
Mid America Mortgage	0.04%	(3.5)	0.57%
Cortland Bank	0.04%	(3.5)	0.19%
Bank of America	0.04%	(3.5)	0.10%
K. Hovnanian American Mortgage	0.04%	(3.5)	0.67%
Geneva Financial Home Loans	0.04%	(3.5)	0.19%
NVR Mortgage Finance Inc	0.04%	(3.5)	2.58%
CMG Financial	0.04%	(3.5)	0.10%
First Guaranty Mortgage Corporation	0.04%	(3.5)	0.10%
Reliance First Capital	0.04%	(3.5)	0.48%
Residential Mortgage Services	0.04%	(3.5)	0.48%
Bank of England AR	0.04%	(3.5)	0.38%
Pulte Mortgage LLC	0.04%	(3.5)	0.67%
loanDepot	0.04%	(3.5)	0.67%
Mr. Cooper	0.04%	(3.5)	0.57%
Guaranteed Rate	0.04%	(3.5)	0.10%
First Savings Bank	0.04%	(3.5)	0.10%
Huntington National Bank	0.04%	(3.5)	5.06%
NewRez	0.04%	(3.5)	1.15%
HomeBridge Financial Services	0.04%	(3.5)	0.29%
Absolute Home Mortgage	0.04%	(3.5)	0.29%
First Equity Mortgage	0.05%	(3.0)	0.10%
KeyBank	0.05%	(3.0)	0.76%
First Centennial Mortgage	0.05%	(3.0)	0.10%
Top Flite Financial, Inc	0.05%	(3.0)	0.57%
Magnolia Bank	0.05%	(3.0)	0.10%
PennyMac Loan Services	0.06%	(3.0)	0.29%
FirstBank TN	0.06%	(3.0)	0.10%
DelMar Financial Company	0.06%	(3.0)	0.10%
First Federal Bank of Florida	0.06%	(3.0)	1.05%
CrossCountry Mortgage	0.06%	(3.0)	0.10%
Bankers Guarantee	0.06%	(3.0)	0.76%
The Federal Savings Bank	0.07%	(3.0)	0.38%
US Bank	0.07%	(3.0)	0.57%
Nations Lending Corporation	0.07%	(3.0)	1.81%
Polaris Home Funding Corp	0.08%	(3.0)	1.34%
AnnieMac Home Mortgage	0.08%	(3.0)	0.57%
LendUS LLC	0.08%	(3.0)	0.67%
Plaza Home Mortgage	0.08%	(3.0)	0.29%
New American Funding	0.08%	(3.0)	0.67%
Rapid Mortgage Company	0.08%	(3.0)	0.19%
Synergy One Lending	0.09%	(3.0)	0.86%
Hallmark Home Mortgage	0.09%	(3.0)	0.48%
Flagstar Bank	0.09%	(3.0)	1.24%
Homeside Financial	0.10%	(3.0)	0.38%
Waterstone Mortgage Corporation	0.10%	(3.0)	0.76%
JPMorgan Chase Bank	0.10%	(3.0)	0.95%
PRMG Mortgage	0.11%	(3.0)	0.67%
Gold Star Mortgage Financial Group	0.11%	(3.0)	0.57%
Amerifirst Home Mortgage	0.11%	(3.0)	0.86%
Union Capital Mortgage	0.12%	(3.0)	1.05%
Freedom Mortgage Corporation	0.12%	(3.0)	1.72%
Fairway Independent Mortgage Corporation	0.12%	(3.0)	5.73%
Home Point Financial Corporation	0.12%	(3.0)	1.34%
Goldwater Bank	0.13%	(3.0)	1.34%
Union Home Mortgage	0.16%	(2.5)	3.82%
Liberty Home Mortgage	0.17%	(2.5)	1.81%
Carrington Mortgage Services	0.18%	(2.5)	0.76%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.21%	(4.5)	3.12%
Lakeview Loan Servicing	-0.16%	(4.5)	4.20%
PennyMac Loan Services	-0.16%	(4.5)	4.68%
Village Capital	-0.13%	(4.0)	2.76%
First Savings Bank	-0.11%	(4.0)	1.20%
Caliber Home Loans	-0.11%	(4.0)	2.76%
Union Capital Mortgage	-0.10%	(4.0)	1.56%
Liberty Home Mortgage	-0.10%	(4.0)	0.84%
USAA	-0.10%	(4.0)	4.08%
Mid America Mortgage	-0.10%	(4.0)	0.96%
Nations Lending Corporation	-0.09%	(4.0)	2.40%
HomeBridge Financial Services	-0.08%	(4.0)	0.84%
NBKC Bank	-0.08%	(4.0)	0.60%
Goldwater Bank	-0.06%	(4.0)	1.08%
Dollar Bank	-0.06%	(4.0)	0.24%
loanDepot	-0.06%	(4.0)	5.88%
Bank of England AR	-0.05%	(4.0)	0.36%
Fifth Third Bank	-0.05%	(3.5)	0.72%
CMG Financial	-0.05%	(3.5)	0.72%
Magnolia Bank	-0.05%	(3.5)	0.60%
Polaris Home Funding Corp	-0.04%	(3.5)	0.60%
First Commonwealth Bank	-0.04%	(3.5)	0.12%
Huntington National Bank	-0.04%	(3.5)	3.24%
PNC Bank	-0.04%	(3.5)	0.60%
Cortland Bank	-0.04%	(3.5)	0.12%
American Midwest Mortgage	-0.04%	(3.5)	0.36%
Absolute Home Mortgage	-0.04%	(3.5)	0.24%
First Federal Lakewood	-0.04%	(3.5)	0.12%
Residential Mortgage Services	-0.04%	(3.5)	0.12%
Independent Bank Michigan	-0.03%	(3.5)	0.12%
PRMG Mortgage	-0.03%	(3.5)	0.12%
TCF Bank	-0.03%	(3.5)	0.12%
AnnieMac Home Mortgage	-0.03%	(3.5)	0.12%
Guaranteed Rate	-0.03%	(3.5)	0.72%
CF Bank	-0.03%	(3.5)	0.12%
Hallmark Home Mortgage	-0.03%	(3.5)	0.12%
Wells Fargo Bank	-0.03%	(3.5)	0.24%
Royal United Mortgage	-0.03%	(3.5)	0.72%
Home Point Financial Corporation	-0.03%	(3.5)	2.16%
LendUS LLC	-0.03%	(3.5)	0.12%
FirstBank TN	-0.03%	(3.5)	0.12%
New American Funding	-0.02%	(3.5)	0.36%
US Bank	-0.02%	(3.5)	0.12%
Intercontinental Capital Group	-0.02%	(3.5)	0.12%
Gold Star Mortgage Financial Group	-0.02%	(3.5)	0.12%
Ruoff Mortgage	-0.02%	(3.5)	0.24%
Peoples Bank OH WY KY	-0.02%	(3.5)	0.12%
Fairway Independent Mortgage Corporation	-0.02%	(3.5)	0.36%
Homeside Financial	-0.01%	(3.5)	0.24%
Union Home Mortgage	-0.01%	(3.5)	0.72%
Amerisave Mortgage Corporation	-0.01%	(3.5)	0.24%
Flagstar Bank	-0.01%	(3.5)	1.68%
PrimeLending	-0.01%	(3.5)	0.24%
Bankers Guarantee	-0.00%	(3.5)	0.12%
JPMorgan Chase Bank	0.01%	(3.5)	0.24%
Amerifirst Home Mortgage	0.01%	(3.5)	0.12%
First Federal Bank of Florida	0.03%	(3.5)	1.68%
Synergy One Lending	0.03%	(3.5)	0.84%
The Federal Savings Bank	0.04%	(3.5)	4.56%
NewRez	0.05%	(3.0)	1.68%
Reliance First Capital	0.06%	(3.0)	1.20%
Carrington Mortgage Services	0.07%	(3.0)	3.60%
Quicken Loans	0.08%	(3.0)	20.98%
Mr. Cooper	0.11%	(3.0)	2.88%
Freedom Mortgage Corporation	0.13%	(3.0)	2.88%
NewDay USA	0.36%	(1.5)	4.80%

* Data is compiled for the Cleveland, OH commuting zone area, which comprises of counties of Ashtabula County, OH, Cuyahoga County, OH, Geauga County, OH, Lake County, OH, Medina County, OH, Portage County, OH, and Summit County, OH. This includes cities/towns/communities of Cleveland, OH as well as Akron, OH, Parma, OH, Mentor, OH, Lakewood, OH, Brunswick, OH, Cuyahoga Falls, OH, Strongsville, OH, Medina, OH, Wadsworth, OH, Stow, OH, Westlake, OH, North Olmsted, OH, Cleveland Heights, OH, North Royalton, OH, Hudson, OH, Solon, OH, Green, OH, Rocky River, OH, Euclid, OH, Aurora, OH, Shaker Heights, OH, Bay Village, OH, Willoughby, OH, Olmsted Falls, OH, Streetsboro, OH, Broadview Heights, OH, Berea, OH, Garfield Heights, OH, South Euclid, OH, Macedonia, OH, Twinsburg, OH, Barberton, OH, New Franklin, OH, Lyndhurst, OH, Fairview Park, OH, Eastlake, OH, Brook Park, OH, Parma Heights, OH, Brecksville, OH, Bainbridge, OH, Kent, OH, Fairlawn, OH, Mayfield Heights, OH, Painesville, OH, Tallmadge, OH, Montrose-Ghent, OH, Middleburg Heights, OH, Seven Hills, OH, Willowick, OH, and Norton, 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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