Top Mortgage Lenders in Kettering, OH

Which mortgage lender in the Kettering, 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 Kettering, 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 Kettering, OH area in terms of interest rate is myCUmortgage, with an average “Rate Difference” of -0.43%. This means that, comparing similar borrowers, myCUmortgage provided a -0.43% lower interest rate for its customers than other lenders in the area. myCUmortgage has a market share of 2.3%. On the other hand, the most popular lender in the Kettering, OH area is Union Savings Bank, with a larger market share of 13.2%. Union Savings Bank is also a relatively cheap lender, with a “Rate Difference” of -0.26% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Kettering, 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 Kettering, OH is Union Savings Bank. 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 US Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is myCUmortgage. The cheapest VA mortgage provider is Union Savings Bank. 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 Kettering, OH

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
myCUmortgage	-0.43%	(5.0)	2.25%
Union Savings Bank	-0.26%	(5.0)	13.19%
Wright-Patt Credit Union Inc	-0.17%	(4.5)	11.09%
Huntington National Bank	-0.14%	(4.0)	4.24%
Third Federal Savings & Loan	-0.10%	(4.0)	0.23%
Thrive Mortgage	-0.09%	(4.0)	0.67%
TCF Bank	-0.08%	(4.0)	0.45%
Park National Bank	-0.05%	(4.0)	2.10%
Keller Mortgage	-0.05%	(3.5)	0.28%
Peoples Bank OH WY KY	-0.04%	(3.5)	0.40%
LCNB National Bank	-0.03%	(3.5)	0.21%
River Valley Credit Union	-0.03%	(3.5)	0.32%
1st National Bank	-0.02%	(3.5)	0.22%
Navy Federal Credit Union	-0.02%	(3.5)	0.86%
USAA	-0.01%	(3.5)	1.99%
JPMorgan Chase Bank	-0.01%	(3.5)	2.82%
WesBanco	-0.01%	(3.5)	0.54%
Amerisave Mortgage Corporation	-0.01%	(3.5)	0.20%
Civista Bank	-0.01%	(3.5)	0.31%
Home Point Financial Corporation	-0.01%	(3.5)	0.30%
Bank of America	-0.01%	(3.5)	0.22%
Fifth Third Bank	0.01%	(3.5)	5.27%
Honda Federal Credit Union	0.01%	(3.5)	0.50%
M/I Financial	0.02%	(3.5)	0.20%
American Midwest Mortgage	0.02%	(3.5)	0.22%
Lakeview Loan Servicing	0.03%	(3.5)	0.24%
Sibcy Cline Mortgage Services	0.03%	(3.5)	0.32%
Movement Mortgage	0.03%	(3.5)	0.22%
PennyMac Loan Services	0.03%	(3.5)	0.45%
US Bank	0.04%	(3.5)	2.77%
Ruoff Mortgage	0.05%	(3.5)	0.47%
Universal 1 Credit Union	0.05%	(3.5)	0.39%
NFM Lending	0.05%	(3.0)	0.26%
New American Funding	0.06%	(3.0)	0.25%
Bayshore Mortgage Funding	0.07%	(3.0)	0.31%
Land Home Financial Services	0.07%	(3.0)	0.40%
Mid America Mortgage	0.07%	(3.0)	0.35%
Polaris Home Funding Corp	0.07%	(3.0)	0.42%
American Mortgage Service Company	0.08%	(3.0)	0.57%
Flagstar Bank	0.08%	(3.0)	0.28%
Equity Resources	0.09%	(3.0)	0.71%
Caliber Home Loans	0.09%	(3.0)	6.73%
Guaranteed Rate	0.09%	(3.0)	0.76%
NewRez	0.09%	(3.0)	0.22%
loanDepot	0.10%	(3.0)	2.70%
Farm Credit Mid-America	0.10%	(3.0)	0.38%
Northern Mortgage Services, LLC	0.11%	(3.0)	0.32%
Freedom Mortgage Corporation	0.11%	(3.0)	0.53%
Revolution Mortgage	0.11%	(3.0)	0.20%
Wells Fargo Bank	0.11%	(3.0)	1.28%
PNC Bank	0.11%	(3.0)	1.84%
KeyBank	0.11%	(3.0)	0.76%
Liberty Home Mortgage	0.13%	(3.0)	0.19%
Waterstone Mortgage Corporation	0.13%	(3.0)	0.22%
Geneva Financial Home Loans	0.13%	(3.0)	0.19%
First Financial Bank	0.14%	(3.0)	0.84%
NVR Mortgage Finance Inc	0.14%	(3.0)	1.55%
Carrington Mortgage Services	0.14%	(3.0)	0.80%
Primary Residential Mortgage Inc	0.14%	(3.0)	0.54%
Warsaw Bank	0.15%	(3.0)	0.35%
PrimeLending	0.15%	(3.0)	5.27%
The Federal Savings Bank	0.15%	(3.0)	0.27%
Royal United Mortgage	0.15%	(2.5)	0.20%
Western Ohio Mortgage	0.16%	(2.5)	0.63%
Bank of England AR	0.18%	(2.5)	0.53%
Rapid Mortgage Company	0.19%	(2.5)	0.75%
Union Home Mortgage	0.19%	(2.5)	1.71%
Nations Reliable Lending	0.19%	(2.5)	0.22%
Mortgage 1 Inc	0.19%	(2.5)	0.33%
Quicken Loans	0.21%	(2.5)	6.72%
Partners United Financial	0.22%	(2.5)	0.43%
Mr. Cooper	0.23%	(2.5)	0.68%
Fairway Independent Mortgage Corporation	0.27%	(2.0)	1.51%
DAS Acquisition Company	0.29%	(2.0)	2.59%
NewDay USA	0.42%	(1.5)	0.30%

Lender Name	Rate Difference	Rate Rating	Market Share
myCUmortgage	-0.46%	(5.0)	3.26%
Union Savings Bank	-0.23%	(4.5)	10.19%
Wright-Patt Credit Union Inc	-0.18%	(4.5)	10.80%
Huntington National Bank	-0.15%	(4.5)	3.97%
Third Federal Savings & Loan	-0.12%	(4.0)	0.29%
TCF Bank	-0.11%	(4.0)	0.47%
Thrive Mortgage	-0.11%	(4.0)	0.93%
Fifth Third Bank	-0.09%	(4.0)	3.37%
US Bank	-0.09%	(4.0)	2.23%
JPMorgan Chase Bank	-0.09%	(4.0)	2.36%
Peoples Bank OH WY KY	-0.05%	(4.0)	0.57%
Keller Mortgage	-0.05%	(4.0)	0.41%
Honda Federal Credit Union	-0.04%	(3.5)	0.34%
1st National Bank	-0.04%	(3.5)	0.20%
Civista Bank	-0.03%	(3.5)	0.34%
Home Point Financial Corporation	-0.03%	(3.5)	0.32%
Navy Federal Credit Union	-0.02%	(3.5)	1.19%
Park National Bank	-0.02%	(3.5)	1.66%
WesBanco	-0.02%	(3.5)	0.67%
LCNB National Bank	-0.01%	(3.5)	0.16%
PNC Bank	-0.01%	(3.5)	1.31%
USAA	-0.01%	(3.5)	2.62%
Bank of America	-0.01%	(3.5)	0.17%
Lakeview Loan Servicing	-0.01%	(3.5)	0.09%
River Valley Credit Union	0.00%	(3.5)	0.18%
PennyMac Loan Services	0.01%	(3.5)	0.08%
Universal 1 Credit Union	0.02%	(3.5)	0.38%
M/I Financial	0.02%	(3.5)	0.31%
American Midwest Mortgage	0.02%	(3.5)	0.32%
Amerisave Mortgage Corporation	0.02%	(3.5)	0.03%
Sibcy Cline Mortgage Services	0.02%	(3.5)	0.48%
Movement Mortgage	0.03%	(3.5)	0.31%
The Federal Savings Bank	0.04%	(3.5)	0.05%
NFM Lending	0.05%	(3.0)	0.36%
Equity Resources	0.06%	(3.0)	0.73%
Ruoff Mortgage	0.06%	(3.0)	0.57%
Freedom Mortgage Corporation	0.07%	(3.0)	0.38%
New American Funding	0.07%	(3.0)	0.25%
Bayshore Mortgage Funding	0.07%	(3.0)	0.40%
Polaris Home Funding Corp	0.08%	(3.0)	0.44%
Land Home Financial Services	0.08%	(3.0)	0.44%
American Mortgage Service Company	0.08%	(3.0)	0.75%
Wells Fargo Bank	0.08%	(3.0)	1.36%
Mid America Mortgage	0.09%	(3.0)	0.39%
NewDay USA	0.09%	(3.0)	0.05%
Flagstar Bank	0.10%	(3.0)	0.25%
loanDepot	0.10%	(3.0)	2.65%
Caliber Home Loans	0.10%	(3.0)	8.83%
Northern Mortgage Services, LLC	0.11%	(3.0)	0.46%
Royal United Mortgage	0.11%	(3.0)	0.15%
Farm Credit Mid-America	0.11%	(3.0)	0.41%
Guaranteed Rate	0.11%	(3.0)	0.92%
Waterstone Mortgage Corporation	0.12%	(3.0)	0.34%
KeyBank	0.12%	(3.0)	0.64%
NewRez	0.13%	(3.0)	0.17%
Liberty Home Mortgage	0.13%	(3.0)	0.27%
NVR Mortgage Finance Inc	0.13%	(3.0)	2.37%
Revolution Mortgage	0.13%	(3.0)	0.25%
Quicken Loans	0.14%	(3.0)	3.82%
First Financial Bank	0.14%	(3.0)	0.76%
Warsaw Bank	0.14%	(3.0)	0.52%
Geneva Financial Home Loans	0.15%	(2.5)	0.24%
PrimeLending	0.15%	(2.5)	7.14%
Primary Residential Mortgage Inc	0.16%	(2.5)	0.70%
Western Ohio Mortgage	0.17%	(2.5)	0.82%
Mr. Cooper	0.18%	(2.5)	0.33%
Rapid Mortgage Company	0.19%	(2.5)	1.11%
Union Home Mortgage	0.20%	(2.5)	2.36%
Bank of England AR	0.20%	(2.5)	0.66%
Mortgage 1 Inc	0.20%	(2.5)	0.46%
Nations Reliable Lending	0.21%	(2.5)	0.29%
Partners United Financial	0.22%	(2.5)	0.65%
Fairway Independent Mortgage Corporation	0.29%	(2.0)	2.10%
DAS Acquisition Company	0.30%	(2.0)	3.74%
Carrington Mortgage Services	0.31%	(2.0)	0.41%

Lender Name	Rate Difference	Rate Rating	Market Share
Union Savings Bank	-0.28%	(5.0)	18.83%
Wright-Patt Credit Union Inc	-0.16%	(4.5)	11.64%
Huntington National Bank	-0.12%	(4.0)	4.73%
Park National Bank	-0.08%	(4.0)	2.93%
myCUmortgage	-0.06%	(4.0)	0.36%
LCNB National Bank	-0.05%	(4.0)	0.31%
River Valley Credit Union	-0.05%	(4.0)	0.57%
USAA	-0.03%	(3.5)	0.81%
TCF Bank	-0.02%	(3.5)	0.43%
Third Federal Savings & Loan	-0.02%	(3.5)	0.12%
Caliber Home Loans	-0.01%	(3.5)	2.77%
Ruoff Mortgage	-0.01%	(3.5)	0.28%
Amerisave Mortgage Corporation	-0.01%	(3.5)	0.52%
Bank of America	-0.00%	(3.5)	0.29%
1st National Bank	-0.00%	(3.5)	0.24%
Navy Federal Credit Union	0.00%	(3.5)	0.24%
WesBanco	0.01%	(3.5)	0.31%
Guaranteed Rate	0.02%	(3.5)	0.48%
Revolution Mortgage	0.02%	(3.5)	0.12%
Mid America Mortgage	0.03%	(3.5)	0.28%
NFM Lending	0.03%	(3.5)	0.07%
Bayshore Mortgage Funding	0.04%	(3.5)	0.14%
American Midwest Mortgage	0.04%	(3.5)	0.02%
Movement Mortgage	0.04%	(3.5)	0.03%
Thrive Mortgage	0.04%	(3.5)	0.17%
Land Home Financial Services	0.04%	(3.5)	0.33%
Warsaw Bank	0.04%	(3.5)	0.02%
Home Point Financial Corporation	0.04%	(3.5)	0.26%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	0.41%
Lakeview Loan Servicing	0.04%	(3.5)	0.52%
Northern Mortgage Services, LLC	0.04%	(3.5)	0.05%
Rapid Mortgage Company	0.04%	(3.5)	0.07%
Keller Mortgage	0.04%	(3.5)	0.03%
PennyMac Loan Services	0.04%	(3.5)	1.15%
Primary Residential Mortgage Inc	0.04%	(3.5)	0.24%
American Mortgage Service Company	0.04%	(3.5)	0.24%
Liberty Home Mortgage	0.04%	(3.5)	0.03%
New American Funding	0.05%	(3.5)	0.24%
Civista Bank	0.05%	(3.5)	0.26%
Sibcy Cline Mortgage Services	0.05%	(3.5)	0.02%
Partners United Financial	0.05%	(3.5)	0.02%
Geneva Financial Home Loans	0.05%	(3.5)	0.10%
Honda Federal Credit Union	0.05%	(3.0)	0.79%
NewRez	0.06%	(3.0)	0.31%
Mortgage 1 Inc	0.06%	(3.0)	0.09%
Flagstar Bank	0.06%	(3.0)	0.34%
Polaris Home Funding Corp	0.06%	(3.0)	0.40%
Carrington Mortgage Services	0.06%	(3.0)	1.53%
DAS Acquisition Company	0.07%	(3.0)	0.43%
Nations Reliable Lending	0.07%	(3.0)	0.09%
Bank of England AR	0.08%	(3.0)	0.28%
Peoples Bank OH WY KY	0.08%	(3.0)	0.09%
Fifth Third Bank	0.08%	(3.0)	8.85%
JPMorgan Chase Bank	0.08%	(3.0)	3.68%
Union Home Mortgage	0.08%	(3.0)	0.48%
loanDepot	0.08%	(3.0)	2.79%
Farm Credit Mid-America	0.09%	(3.0)	0.33%
Universal 1 Credit Union	0.10%	(3.0)	0.41%
KeyBank	0.10%	(3.0)	1.00%
Western Ohio Mortgage	0.11%	(3.0)	0.26%
PrimeLending	0.11%	(3.0)	1.74%
First Financial Bank	0.12%	(3.0)	0.98%
Equity Resources	0.15%	(3.0)	0.67%
Freedom Mortgage Corporation	0.15%	(3.0)	0.79%
The Federal Savings Bank	0.17%	(2.5)	0.71%
Wells Fargo Bank	0.18%	(2.5)	1.14%
US Bank	0.18%	(2.5)	3.79%
Royal United Mortgage	0.19%	(2.5)	0.29%
PNC Bank	0.23%	(2.5)	2.84%
Quicken Loans	0.25%	(2.0)	12.17%
Mr. Cooper	0.25%	(2.0)	1.33%
NewDay USA	0.47%	(1.0)	0.76%

Lender Name	Rate Difference	Rate Rating	Market Share
Union Savings Bank	-0.25%	(5.0)	16.31%
Wright-Patt Credit Union Inc	-0.17%	(4.5)	15.40%
Thrive Mortgage	-0.11%	(4.0)	0.64%
Third Federal Savings & Loan	-0.09%	(4.0)	0.35%
Huntington National Bank	-0.09%	(4.0)	4.75%
TCF Bank	-0.08%	(4.0)	0.42%
Park National Bank	-0.05%	(4.0)	3.00%
Bayshore Mortgage Funding	-0.05%	(4.0)	0.16%
Peoples Bank OH WY KY	-0.05%	(4.0)	0.45%
Amerisave Mortgage Corporation	-0.03%	(3.5)	0.19%
LCNB National Bank	-0.03%	(3.5)	0.32%
River Valley Credit Union	-0.03%	(3.5)	0.48%
Keller Mortgage	-0.03%	(3.5)	0.21%
1st National Bank	-0.02%	(3.5)	0.28%
JPMorgan Chase Bank	-0.01%	(3.5)	4.16%
Bank of America	-0.00%	(3.5)	0.31%
Ruoff Mortgage	-0.00%	(3.5)	0.37%
Civista Bank	-0.00%	(3.5)	0.40%
Honda Federal Credit Union	0.02%	(3.5)	0.75%
Fifth Third Bank	0.02%	(3.5)	7.38%
WesBanco	0.03%	(3.5)	0.50%
Movement Mortgage	0.03%	(3.5)	0.22%
American Midwest Mortgage	0.03%	(3.5)	0.05%
M/I Financial	0.03%	(3.5)	0.18%
The Federal Savings Bank	0.04%	(3.5)	0.01%
Mid America Mortgage	0.04%	(3.5)	0.03%
Land Home Financial Services	0.05%	(3.5)	0.26%
US Bank	0.05%	(3.0)	3.79%
Lakeview Loan Servicing	0.05%	(3.0)	0.02%
USAA	0.05%	(3.0)	0.69%
Universal 1 Credit Union	0.05%	(3.0)	0.57%
Carrington Mortgage Services	0.06%	(3.0)	0.14%
Liberty Home Mortgage	0.06%	(3.0)	0.04%
NFM Lending	0.07%	(3.0)	0.23%
Polaris Home Funding Corp	0.07%	(3.0)	0.16%
New American Funding	0.08%	(3.0)	0.10%
Home Point Financial Corporation	0.08%	(3.0)	0.10%
Primary Residential Mortgage Inc	0.08%	(3.0)	0.30%
loanDepot	0.08%	(3.0)	1.89%
Flagstar Bank	0.09%	(3.0)	0.14%
Guaranteed Rate	0.10%	(3.0)	0.55%
Sibcy Cline Mortgage Services	0.10%	(3.0)	0.25%
myCUmortgage	0.10%	(3.0)	0.14%
Farm Credit Mid-America	0.11%	(3.0)	0.55%
Revolution Mortgage	0.12%	(3.0)	0.31%
Freedom Mortgage Corporation	0.12%	(3.0)	0.10%
NewRez	0.13%	(3.0)	0.23%
Rapid Mortgage Company	0.13%	(3.0)	0.39%
American Mortgage Service Company	0.13%	(3.0)	0.36%
Wells Fargo Bank	0.13%	(3.0)	1.72%
PNC Bank	0.14%	(3.0)	2.47%
PennyMac Loan Services	0.14%	(3.0)	0.14%
KeyBank	0.14%	(3.0)	1.00%
Caliber Home Loans	0.14%	(3.0)	4.77%
Warsaw Bank	0.15%	(3.0)	0.23%
Northern Mortgage Services, LLC	0.15%	(3.0)	0.28%
Mortgage 1 Inc	0.15%	(3.0)	0.18%
Equity Resources	0.15%	(2.5)	0.76%
First Financial Bank	0.15%	(2.5)	1.13%
NVR Mortgage Finance Inc	0.16%	(2.5)	1.56%
Western Ohio Mortgage	0.19%	(2.5)	0.51%
Geneva Financial Home Loans	0.19%	(2.5)	0.17%
Waterstone Mortgage Corporation	0.19%	(2.5)	0.18%
Royal United Mortgage	0.19%	(2.5)	0.22%
Bank of England AR	0.19%	(2.5)	0.36%
Union Home Mortgage	0.19%	(2.5)	1.22%
Fairway Independent Mortgage Corporation	0.20%	(2.5)	1.01%
PrimeLending	0.21%	(2.5)	5.28%
Nations Reliable Lending	0.23%	(2.5)	0.19%
Partners United Financial	0.23%	(2.5)	0.25%
DAS Acquisition Company	0.25%	(2.0)	1.78%
Navy Federal Credit Union	0.28%	(2.0)	0.49%
Mr. Cooper	0.30%	(2.0)	0.32%
Quicken Loans	0.35%	(1.5)	5.19%

Lender Name	Rate Difference	Rate Rating	Market Share
Union Savings Bank	-0.23%	(4.5)	12.48%
Wright-Patt Credit Union Inc	-0.18%	(4.5)	16.13%
Thrive Mortgage	-0.13%	(4.0)	0.95%
Third Federal Savings & Loan	-0.12%	(4.0)	0.48%
TCF Bank	-0.11%	(4.0)	0.44%
US Bank	-0.09%	(4.0)	3.11%
Fifth Third Bank	-0.09%	(4.0)	4.88%
JPMorgan Chase Bank	-0.09%	(4.0)	3.72%
Bayshore Mortgage Funding	-0.09%	(4.0)	0.21%
Peoples Bank OH WY KY	-0.07%	(4.0)	0.68%
Huntington National Bank	-0.06%	(4.0)	4.40%
1st National Bank	-0.04%	(3.5)	0.27%
Keller Mortgage	-0.04%	(3.5)	0.32%
Honda Federal Credit Union	-0.04%	(3.5)	0.56%
Park National Bank	-0.03%	(3.5)	2.46%
Civista Bank	-0.03%	(3.5)	0.45%
Bank of America	-0.01%	(3.5)	0.26%
LCNB National Bank	-0.01%	(3.5)	0.26%
PNC Bank	-0.01%	(3.5)	1.77%
Ruoff Mortgage	-0.00%	(3.5)	0.45%
River Valley Credit Union	0.00%	(3.5)	0.30%
Amerisave Mortgage Corporation	0.02%	(3.5)	0.03%
Universal 1 Credit Union	0.02%	(3.5)	0.60%
Land Home Financial Services	0.02%	(3.5)	0.27%
Movement Mortgage	0.03%	(3.5)	0.35%
American Midwest Mortgage	0.03%	(3.5)	0.06%
M/I Financial	0.03%	(3.5)	0.30%
PennyMac Loan Services	0.03%	(3.5)	0.05%
WesBanco	0.03%	(3.5)	0.57%
loanDepot	0.03%	(3.5)	2.04%
Carrington Mortgage Services	0.04%	(3.5)	0.03%
Freedom Mortgage Corporation	0.05%	(3.5)	0.03%
Mid America Mortgage	0.05%	(3.5)	0.02%
USAA	0.05%	(3.0)	0.98%
Liberty Home Mortgage	0.06%	(3.0)	0.05%
NFM Lending	0.07%	(3.0)	0.35%
Polaris Home Funding Corp	0.07%	(3.0)	0.21%
Primary Residential Mortgage Inc	0.07%	(3.0)	0.41%
Home Point Financial Corporation	0.07%	(3.0)	0.15%
Sibcy Cline Mortgage Services	0.10%	(3.0)	0.41%
myCUmortgage	0.10%	(3.0)	0.18%
Wells Fargo Bank	0.10%	(3.0)	1.86%
Flagstar Bank	0.11%	(3.0)	0.15%
Guaranteed Rate	0.11%	(3.0)	0.74%
New American Funding	0.11%	(3.0)	0.08%
Farm Credit Mid-America	0.11%	(3.0)	0.65%
Rapid Mortgage Company	0.13%	(3.0)	0.59%
Equity Resources	0.13%	(3.0)	0.77%
Mr. Cooper	0.13%	(3.0)	0.09%
American Mortgage Service Company	0.13%	(3.0)	0.53%
Revolution Mortgage	0.14%	(3.0)	0.41%
Royal United Mortgage	0.14%	(3.0)	0.15%
Warsaw Bank	0.14%	(3.0)	0.39%
Caliber Home Loans	0.14%	(3.0)	6.95%
Northern Mortgage Services, LLC	0.15%	(3.0)	0.44%
First Financial Bank	0.15%	(2.5)	1.17%
NVR Mortgage Finance Inc	0.16%	(2.5)	2.60%
Mortgage 1 Inc	0.16%	(2.5)	0.24%
NewRez	0.17%	(2.5)	0.20%
KeyBank	0.17%	(2.5)	0.83%
Waterstone Mortgage Corporation	0.18%	(2.5)	0.30%
Western Ohio Mortgage	0.20%	(2.5)	0.65%
Union Home Mortgage	0.21%	(2.5)	1.68%
Geneva Financial Home Loans	0.21%	(2.5)	0.24%
Bank of England AR	0.21%	(2.5)	0.47%
PrimeLending	0.21%	(2.5)	7.48%
Fairway Independent Mortgage Corporation	0.22%	(2.5)	1.43%
Partners United Financial	0.23%	(2.5)	0.42%
Nations Reliable Lending	0.26%	(2.0)	0.26%
DAS Acquisition Company	0.26%	(2.0)	2.72%
Quicken Loans	0.28%	(2.0)	3.23%
Navy Federal Credit Union	0.31%	(2.0)	0.72%

Lender Name	Rate Difference	Rate Rating	Market Share
Union Savings Bank	-0.27%	(5.0)	22.10%
Wright-Patt Credit Union Inc	-0.15%	(4.5)	14.31%
Huntington National Bank	-0.13%	(4.0)	5.28%
Park National Bank	-0.07%	(4.0)	3.81%
LCNB National Bank	-0.04%	(3.5)	0.41%
River Valley Credit Union	-0.04%	(3.5)	0.75%
Amerisave Mortgage Corporation	-0.03%	(3.5)	0.43%
TCF Bank	-0.02%	(3.5)	0.41%
Ruoff Mortgage	-0.01%	(3.5)	0.25%
Third Federal Savings & Loan	-0.01%	(3.5)	0.16%
1st National Bank	0.01%	(3.5)	0.29%
Bank of America	0.01%	(3.5)	0.39%
WesBanco	0.02%	(3.5)	0.39%
USAA	0.02%	(3.5)	0.25%
Navy Federal Credit Union	0.03%	(3.5)	0.14%
Revolution Mortgage	0.03%	(3.5)	0.16%
NFM Lending	0.04%	(3.5)	0.07%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	0.39%
American Midwest Mortgage	0.05%	(3.5)	0.02%
Thrive Mortgage	0.05%	(3.5)	0.18%
Guaranteed Rate	0.05%	(3.5)	0.27%
The Federal Savings Bank	0.05%	(3.5)	0.02%
Mid America Mortgage	0.05%	(3.5)	0.05%
Bayshore Mortgage Funding	0.05%	(3.5)	0.09%
Polaris Home Funding Corp	0.05%	(3.5)	0.09%
Movement Mortgage	0.05%	(3.0)	0.02%
Geneva Financial Home Loans	0.05%	(3.0)	0.07%
Rapid Mortgage Company	0.05%	(3.0)	0.09%
Keller Mortgage	0.05%	(3.0)	0.05%
Home Point Financial Corporation	0.05%	(3.0)	0.02%
New American Funding	0.06%	(3.0)	0.14%
Northern Mortgage Services, LLC	0.06%	(3.0)	0.05%
Civista Bank	0.06%	(3.0)	0.32%
Sibcy Cline Mortgage Services	0.06%	(3.0)	0.02%
Lakeview Loan Servicing	0.06%	(3.0)	0.05%
Liberty Home Mortgage	0.06%	(3.0)	0.02%
Honda Federal Credit Union	0.07%	(3.0)	1.04%
Flagstar Bank	0.07%	(3.0)	0.14%
Carrington Mortgage Services	0.07%	(3.0)	0.29%
Mortgage 1 Inc	0.08%	(3.0)	0.09%
NewRez	0.08%	(3.0)	0.27%
American Mortgage Service Company	0.08%	(3.0)	0.11%
Nations Reliable Lending	0.08%	(3.0)	0.09%
DAS Acquisition Company	0.09%	(3.0)	0.36%
Land Home Financial Services	0.09%	(3.0)	0.25%
Primary Residential Mortgage Inc	0.09%	(3.0)	0.14%
Peoples Bank OH WY KY	0.09%	(3.0)	0.11%
JPMorgan Chase Bank	0.09%	(3.0)	4.81%
Fifth Third Bank	0.10%	(3.0)	11.15%
myCUmortgage	0.10%	(3.0)	0.07%
Bank of England AR	0.10%	(3.0)	0.20%
Caliber Home Loans	0.11%	(3.0)	1.47%
Farm Credit Mid-America	0.11%	(3.0)	0.41%
Universal 1 Credit Union	0.11%	(3.0)	0.52%
Union Home Mortgage	0.12%	(3.0)	0.52%
KeyBank	0.12%	(3.0)	1.27%
Western Ohio Mortgage	0.13%	(3.0)	0.29%
PrimeLending	0.14%	(3.0)	1.97%
Freedom Mortgage Corporation	0.15%	(2.5)	0.20%
First Financial Bank	0.15%	(2.5)	1.07%
loanDepot	0.17%	(2.5)	1.65%
PennyMac Loan Services	0.18%	(2.5)	0.27%
Equity Resources	0.18%	(2.5)	0.75%
Wells Fargo Bank	0.19%	(2.5)	1.50%
US Bank	0.20%	(2.5)	4.81%
Royal United Mortgage	0.23%	(2.5)	0.32%
PNC Bank	0.25%	(2.0)	3.51%
Mr. Cooper	0.34%	(2.0)	0.66%
Quicken Loans	0.41%	(1.5)	8.14%

Lender Name	Rate Difference	Rate Rating	Market Share
myCUmortgage	-0.46%	(5.0)	10.61%
Huntington National Bank	-0.37%	(5.0)	3.87%
Union Savings Bank	-0.31%	(5.0)	5.75%
Equity Resources	-0.10%	(4.0)	0.79%
Sibcy Cline Mortgage Services	-0.09%	(4.0)	0.47%
WesBanco	-0.09%	(4.0)	0.67%
Home Point Financial Corporation	-0.07%	(4.0)	0.70%
Thrive Mortgage	-0.07%	(4.0)	0.88%
Fifth Third Bank	-0.07%	(4.0)	1.23%
PNC Bank	-0.06%	(4.0)	0.64%
Keller Mortgage	-0.06%	(4.0)	0.26%
KeyBank	-0.06%	(4.0)	0.38%
US Bank	-0.05%	(4.0)	0.97%
Civista Bank	-0.05%	(4.0)	0.15%
TCF Bank	-0.03%	(3.5)	0.23%
Peoples Bank OH WY KY	-0.02%	(3.5)	0.21%
1st National Bank	-0.01%	(3.5)	0.12%
Quicken Loans	-0.00%	(3.5)	11.11%
PennyMac Loan Services	-0.00%	(3.5)	0.50%
Movement Mortgage	-0.00%	(3.5)	0.18%
American Midwest Mortgage	0.01%	(3.5)	0.79%
JPMorgan Chase Bank	0.02%	(3.5)	0.06%
Lakeview Loan Servicing	0.03%	(3.5)	0.50%
NewRez	0.03%	(3.5)	0.29%
Caliber Home Loans	0.03%	(3.5)	12.40%
Amerisave Mortgage Corporation	0.03%	(3.5)	0.09%
American Mortgage Service Company	0.04%	(3.5)	1.35%
First Financial Bank	0.04%	(3.5)	0.09%
Mid America Mortgage	0.04%	(3.5)	0.85%
The Federal Savings Bank	0.05%	(3.5)	0.06%
Northern Mortgage Services, LLC	0.05%	(3.0)	0.53%
New American Funding	0.06%	(3.0)	0.73%
Royal United Mortgage	0.06%	(3.0)	0.21%
Freedom Mortgage Corporation	0.06%	(3.0)	1.29%
Waterstone Mortgage Corporation	0.06%	(3.0)	0.38%
Geneva Financial Home Loans	0.06%	(3.0)	0.26%
PrimeLending	0.07%	(3.0)	4.25%
NFM Lending	0.07%	(3.0)	0.23%
Polaris Home Funding Corp	0.08%	(3.0)	1.32%
Flagstar Bank	0.08%	(3.0)	0.38%
Land Home Financial Services	0.09%	(3.0)	0.91%
NVR Mortgage Finance Inc	0.09%	(3.0)	1.82%
Ruoff Mortgage	0.11%	(3.0)	0.91%
Union Home Mortgage	0.12%	(3.0)	1.73%
Park National Bank	0.12%	(3.0)	0.44%
Bayshore Mortgage Funding	0.13%	(3.0)	0.67%
Liberty Home Mortgage	0.14%	(3.0)	0.73%
Western Ohio Mortgage	0.14%	(3.0)	1.00%
Guaranteed Rate	0.16%	(2.5)	1.03%
Warsaw Bank	0.16%	(2.5)	0.79%
Carrington Mortgage Services	0.16%	(2.5)	2.55%
Nations Reliable Lending	0.16%	(2.5)	0.32%
Bank of England AR	0.19%	(2.5)	1.11%
loanDepot	0.19%	(2.5)	4.28%
Mr. Cooper	0.20%	(2.5)	1.73%
Primary Residential Mortgage Inc	0.22%	(2.5)	1.35%
Rapid Mortgage Company	0.23%	(2.5)	2.11%
Mortgage 1 Inc	0.24%	(2.5)	0.91%
Partners United Financial	0.24%	(2.5)	1.06%
DAS Acquisition Company	0.36%	(1.5)	5.69%
Fairway Independent Mortgage Corporation	0.40%	(1.5)	3.08%

Lender Name	Rate Difference	Rate Rating	Market Share
myCUmortgage	-0.48%	(5.0)	12.48%
Huntington National Bank	-0.44%	(5.0)	3.85%
Union Savings Bank	-0.33%	(5.0)	5.70%
Equity Resources	-0.11%	(4.0)	0.83%
Home Point Financial Corporation	-0.10%	(4.0)	0.69%
Sibcy Cline Mortgage Services	-0.09%	(4.0)	0.58%
WesBanco	-0.08%	(4.0)	0.83%
Fifth Third Bank	-0.08%	(4.0)	1.05%
PNC Bank	-0.08%	(4.0)	0.62%
US Bank	-0.07%	(4.0)	1.02%
Thrive Mortgage	-0.07%	(4.0)	1.05%
Keller Mortgage	-0.06%	(4.0)	0.33%
KeyBank	-0.05%	(4.0)	0.47%
Civista Bank	-0.05%	(3.5)	0.18%
TCF Bank	-0.04%	(3.5)	0.18%
Quicken Loans	-0.04%	(3.5)	5.44%
Lakeview Loan Servicing	-0.04%	(3.5)	0.22%
1st National Bank	-0.02%	(3.5)	0.11%
Peoples Bank OH WY KY	-0.01%	(3.5)	0.25%
PennyMac Loan Services	-0.00%	(3.5)	0.07%
Movement Mortgage	0.00%	(3.5)	0.22%
American Midwest Mortgage	0.02%	(3.5)	0.98%
JPMorgan Chase Bank	0.02%	(3.5)	0.07%
Freedom Mortgage Corporation	0.03%	(3.5)	1.09%
NewRez	0.03%	(3.5)	0.15%
American Mortgage Service Company	0.04%	(3.5)	1.49%
First Financial Bank	0.04%	(3.5)	0.07%
Caliber Home Loans	0.05%	(3.5)	13.50%
The Federal Savings Bank	0.05%	(3.0)	0.04%
Mid America Mortgage	0.05%	(3.0)	0.91%
Northern Mortgage Services, LLC	0.06%	(3.0)	0.65%
New American Funding	0.06%	(3.0)	0.73%
Royal United Mortgage	0.06%	(3.0)	0.22%
Waterstone Mortgage Corporation	0.07%	(3.0)	0.47%
PrimeLending	0.07%	(3.0)	4.97%
Geneva Financial Home Loans	0.07%	(3.0)	0.29%
NFM Lending	0.08%	(3.0)	0.29%
Polaris Home Funding Corp	0.09%	(3.0)	1.12%
Flagstar Bank	0.09%	(3.0)	0.36%
NVR Mortgage Finance Inc	0.10%	(3.0)	2.25%
Park National Bank	0.12%	(3.0)	0.54%
Ruoff Mortgage	0.13%	(3.0)	1.05%
Land Home Financial Services	0.13%	(3.0)	0.83%
Union Home Mortgage	0.13%	(3.0)	1.96%
Bayshore Mortgage Funding	0.14%	(3.0)	0.80%
Western Ohio Mortgage	0.14%	(3.0)	1.20%
Liberty Home Mortgage	0.14%	(3.0)	0.87%
Warsaw Bank	0.16%	(2.5)	0.94%
Nations Reliable Lending	0.17%	(2.5)	0.36%
Guaranteed Rate	0.17%	(2.5)	1.12%
loanDepot	0.18%	(2.5)	4.39%
Mr. Cooper	0.20%	(2.5)	0.80%
Bank of England AR	0.21%	(2.5)	1.23%
Rapid Mortgage Company	0.23%	(2.5)	2.61%
Mortgage 1 Inc	0.25%	(2.5)	1.09%
Partners United Financial	0.25%	(2.0)	1.27%
Primary Residential Mortgage Inc	0.26%	(2.0)	1.42%
Carrington Mortgage Services	0.35%	(2.0)	1.23%
DAS Acquisition Company	0.37%	(1.5)	6.82%
Fairway Independent Mortgage Corporation	0.42%	(1.5)	3.63%

Lender Name	Rate Difference	Rate Rating	Market Share
Union Savings Bank	-0.25%	(4.5)	5.95%
myCUmortgage	-0.11%	(4.0)	2.75%
Huntington National Bank	-0.10%	(4.0)	3.97%
Caliber Home Loans	-0.08%	(4.0)	7.79%
Land Home Financial Services	-0.05%	(3.5)	1.22%
Union Home Mortgage	-0.04%	(3.5)	0.76%
Fifth Third Bank	-0.03%	(3.5)	1.98%
Equity Resources	-0.03%	(3.5)	0.61%
TCF Bank	-0.02%	(3.5)	0.46%
PennyMac Loan Services	-0.02%	(3.5)	2.29%
Primary Residential Mortgage Inc	-0.02%	(3.5)	1.07%
Mid America Mortgage	-0.01%	(3.5)	0.61%
PNC Bank	-0.01%	(3.5)	0.76%
Ruoff Mortgage	-0.01%	(3.5)	0.31%
DAS Acquisition Company	0.00%	(3.5)	0.92%
1st National Bank	0.00%	(3.5)	0.15%
Quicken Loans	0.00%	(3.5)	34.96%
Liberty Home Mortgage	0.01%	(3.5)	0.15%
Thrive Mortgage	0.01%	(3.5)	0.15%
American Mortgage Service Company	0.01%	(3.5)	0.76%
Warsaw Bank	0.01%	(3.5)	0.15%
NewRez	0.01%	(3.5)	0.92%
Mortgage 1 Inc	0.01%	(3.5)	0.15%
Geneva Financial Home Loans	0.01%	(3.5)	0.15%
Amerisave Mortgage Corporation	0.02%	(3.5)	0.46%
Partners United Financial	0.02%	(3.5)	0.15%
Carrington Mortgage Services	0.02%	(3.5)	8.09%
Home Point Financial Corporation	0.02%	(3.5)	0.76%
Royal United Mortgage	0.02%	(3.5)	0.15%
Western Ohio Mortgage	0.03%	(3.5)	0.15%
Bayshore Mortgage Funding	0.03%	(3.5)	0.15%
New American Funding	0.03%	(3.5)	0.76%
Guaranteed Rate	0.03%	(3.5)	0.61%
Nations Reliable Lending	0.03%	(3.5)	0.15%
The Federal Savings Bank	0.03%	(3.5)	0.15%
First Financial Bank	0.03%	(3.5)	0.15%
Fairway Independent Mortgage Corporation	0.03%	(3.5)	0.76%
Flagstar Bank	0.03%	(3.5)	0.46%
Bank of England AR	0.03%	(3.5)	0.61%
US Bank	0.04%	(3.5)	0.76%
PrimeLending	0.04%	(3.5)	1.22%
Lakeview Loan Servicing	0.05%	(3.5)	1.68%
Polaris Home Funding Corp	0.05%	(3.0)	2.14%
Freedom Mortgage Corporation	0.11%	(3.0)	2.14%
Mr. Cooper	0.18%	(2.5)	5.65%
loanDepot	0.24%	(2.5)	3.82%

Lender Name	Rate Difference	Rate Rating	Market Share
US Bank	-0.02%	(3.5)	9.30%
Huntington National Bank	-0.01%	(3.5)	11.63%
First Financial Bank	-0.01%	(3.5)	20.93%
PNC Bank	0.00%	(3.5)	9.30%
Fifth Third Bank	0.00%	(3.5)	13.95%
KeyBank	0.00%	(3.5)	2.33%
Wells Fargo Bank	0.01%	(3.5)	2.33%
Civista Bank	0.01%	(3.5)	4.65%
JPMorgan Chase Bank	0.01%	(3.5)	6.98%
Farm Credit Mid-America	0.01%	(3.5)	6.98%
Bank of America	0.02%	(3.5)	4.65%
Quicken Loans	0.03%	(3.5)	2.33%
Caliber Home Loans	0.04%	(3.5)	4.65%

Lender Name	Rate Difference	Rate Rating	Market Share
US Bank	-0.04%	(3.5)	13.64%
PNC Bank	-0.00%	(3.5)	13.64%
Fifth Third Bank	-0.00%	(3.5)	18.18%
Huntington National Bank	0.00%	(3.5)	4.55%
KeyBank	0.00%	(3.5)	4.55%
Wells Fargo Bank	0.00%	(3.5)	4.55%
Civista Bank	0.00%	(3.5)	4.55%
JPMorgan Chase Bank	0.01%	(3.5)	9.09%
Farm Credit Mid-America	0.01%	(3.5)	9.09%
Bank of America	0.02%	(3.5)	9.09%
Caliber Home Loans	0.03%	(3.5)	9.09%

Lender Name	Rate Difference	Rate Rating	Market Share
Huntington National Bank	-0.02%	(3.5)	19.05%
First Financial Bank	-0.00%	(3.5)	42.86%
Civista Bank	0.01%	(3.5)	4.76%
JPMorgan Chase Bank	0.01%	(3.5)	4.76%
Fifth Third Bank	0.01%	(3.5)	9.52%
PNC Bank	0.01%	(3.5)	4.76%
Farm Credit Mid-America	0.01%	(3.5)	4.76%
US Bank	0.02%	(3.5)	4.76%
Quicken Loans	0.03%	(3.5)	4.76%

Lender Name	Rate Difference	Rate Rating	Market Share
Union Savings Bank	-0.23%	(4.5)	9.28%
Navy Federal Credit Union	-0.22%	(4.5)	4.07%
Wright-Patt Credit Union Inc	-0.17%	(4.5)	6.84%
TCF Bank	-0.12%	(4.0)	0.95%
Keller Mortgage	-0.08%	(4.0)	0.68%
Thrive Mortgage	-0.07%	(4.0)	0.50%
USAA	-0.05%	(4.0)	11.63%
loanDepot	-0.04%	(3.5)	4.35%
WesBanco	-0.04%	(3.5)	0.59%
Fifth Third Bank	-0.03%	(3.5)	0.77%
Huntington National Bank	-0.02%	(3.5)	2.08%
Sibcy Cline Mortgage Services	-0.02%	(3.5)	0.41%
NFM Lending	-0.02%	(3.5)	0.41%
Wells Fargo Bank	-0.01%	(3.5)	1.09%
First Financial Bank	-0.01%	(3.5)	0.14%
M/I Financial	-0.01%	(3.5)	0.63%
PennyMac Loan Services	-0.01%	(3.5)	1.99%
Guaranteed Rate	-0.01%	(3.5)	1.45%
Peoples Bank OH WY KY	-0.00%	(3.5)	0.45%
Lakeview Loan Servicing	-0.00%	(3.5)	0.95%
PrimeLending	0.01%	(3.5)	6.84%
US Bank	0.01%	(3.5)	0.36%
Home Point Financial Corporation	0.01%	(3.5)	0.68%
Polaris Home Funding Corp	0.01%	(3.5)	0.36%
Northern Mortgage Services, LLC	0.01%	(3.5)	0.18%
New American Funding	0.01%	(3.5)	0.23%
1st National Bank	0.01%	(3.5)	0.05%
NewRez	0.01%	(3.5)	0.09%
Primary Residential Mortgage Inc	0.02%	(3.5)	0.54%
Royal United Mortgage	0.02%	(3.5)	0.09%
Civista Bank	0.02%	(3.5)	0.05%
American Mortgage Service Company	0.02%	(3.5)	0.45%
Park National Bank	0.02%	(3.5)	0.18%
American Midwest Mortgage	0.02%	(3.5)	0.18%
Universal 1 Credit Union	0.02%	(3.5)	0.09%
Amerisave Mortgage Corporation	0.03%	(3.5)	0.41%
Mortgage 1 Inc	0.03%	(3.5)	0.18%
Ruoff Mortgage	0.03%	(3.5)	0.27%
KeyBank	0.03%	(3.5)	0.14%
Waterstone Mortgage Corporation	0.03%	(3.5)	0.18%
Movement Mortgage	0.03%	(3.5)	0.27%
Geneva Financial Home Loans	0.04%	(3.5)	0.18%
Land Home Financial Services	0.04%	(3.5)	0.32%
Caliber Home Loans	0.04%	(3.5)	7.83%
Equity Resources	0.04%	(3.5)	0.36%
PNC Bank	0.04%	(3.5)	0.41%
Bank of England AR	0.05%	(3.5)	0.45%
Warsaw Bank	0.05%	(3.0)	0.23%
Partners United Financial	0.05%	(3.0)	0.36%
Liberty Home Mortgage	0.05%	(3.0)	0.09%
JPMorgan Chase Bank	0.05%	(3.0)	0.32%
NVR Mortgage Finance Inc	0.05%	(3.0)	1.09%
Flagstar Bank	0.06%	(3.0)	0.81%
Mid America Mortgage	0.07%	(3.0)	1.22%
Bayshore Mortgage Funding	0.10%	(3.0)	0.50%
Rapid Mortgage Company	0.10%	(3.0)	0.45%
Nations Reliable Lending	0.11%	(3.0)	0.23%
Carrington Mortgage Services	0.11%	(3.0)	1.45%
Fairway Independent Mortgage Corporation	0.11%	(3.0)	1.63%
The Federal Savings Bank	0.14%	(3.0)	1.95%
Western Ohio Mortgage	0.14%	(3.0)	0.68%
Freedom Mortgage Corporation	0.14%	(3.0)	1.49%
Mr. Cooper	0.15%	(2.5)	0.86%
DAS Acquisition Company	0.17%	(2.5)	1.90%
Quicken Loans	0.17%	(2.5)	7.70%
Union Home Mortgage	0.21%	(2.5)	4.16%
NewDay USA	0.40%	(1.5)	2.26%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.23%	(4.5)	5.52%
Union Savings Bank	-0.18%	(4.5)	8.41%
Wright-Patt Credit Union Inc	-0.18%	(4.5)	7.13%
TCF Bank	-0.13%	(4.0)	1.14%
Keller Mortgage	-0.07%	(4.0)	1.01%
Thrive Mortgage	-0.07%	(4.0)	0.67%
WesBanco	-0.04%	(3.5)	0.81%
USAA	-0.04%	(3.5)	14.87%
Fifth Third Bank	-0.04%	(3.5)	0.67%
Huntington National Bank	-0.03%	(3.5)	2.29%
NFM Lending	-0.01%	(3.5)	0.54%
Sibcy Cline Mortgage Services	-0.01%	(3.5)	0.61%
Wells Fargo Bank	-0.00%	(3.5)	1.62%
First Financial Bank	-0.00%	(3.5)	0.20%
M/I Financial	-0.00%	(3.5)	0.94%
PennyMac Loan Services	0.00%	(3.5)	0.27%
Peoples Bank OH WY KY	0.00%	(3.5)	0.67%
US Bank	0.01%	(3.5)	0.40%
Polaris Home Funding Corp	0.01%	(3.5)	0.20%
PrimeLending	0.01%	(3.5)	9.76%
Park National Bank	0.01%	(3.5)	0.13%
1st National Bank	0.02%	(3.5)	0.07%
Northern Mortgage Services, LLC	0.02%	(3.5)	0.20%
Home Point Financial Corporation	0.02%	(3.5)	0.40%
NewRez	0.02%	(3.5)	0.13%
Guaranteed Rate	0.02%	(3.5)	1.35%
Primary Residential Mortgage Inc	0.02%	(3.5)	0.74%
New American Funding	0.03%	(3.5)	0.13%
KeyBank	0.03%	(3.5)	0.07%
Amerisave Mortgage Corporation	0.03%	(3.5)	0.07%
Universal 1 Credit Union	0.03%	(3.5)	0.07%
Civista Bank	0.03%	(3.5)	0.07%
Lakeview Loan Servicing	0.03%	(3.5)	0.27%
American Midwest Mortgage	0.03%	(3.5)	0.27%
The Federal Savings Bank	0.03%	(3.5)	0.27%
Mortgage 1 Inc	0.04%	(3.5)	0.27%
Waterstone Mortgage Corporation	0.04%	(3.5)	0.27%
Geneva Financial Home Loans	0.04%	(3.5)	0.13%
Movement Mortgage	0.05%	(3.5)	0.34%
American Mortgage Service Company	0.05%	(3.5)	0.40%
Land Home Financial Services	0.05%	(3.0)	0.47%
PNC Bank	0.05%	(3.0)	0.34%
Warsaw Bank	0.06%	(3.0)	0.34%
Partners United Financial	0.06%	(3.0)	0.54%
Liberty Home Mortgage	0.06%	(3.0)	0.13%
Equity Resources	0.06%	(3.0)	0.40%
NVR Mortgage Finance Inc	0.06%	(3.0)	1.62%
JPMorgan Chase Bank	0.07%	(3.0)	0.40%
Bank of England AR	0.07%	(3.0)	0.47%
Ruoff Mortgage	0.07%	(3.0)	0.20%
loanDepot	0.08%	(3.0)	2.15%
NewDay USA	0.08%	(3.0)	0.40%
Quicken Loans	0.09%	(3.0)	3.50%
Flagstar Bank	0.09%	(3.0)	0.47%
Rapid Mortgage Company	0.11%	(3.0)	0.67%
Nations Reliable Lending	0.11%	(3.0)	0.34%
Caliber Home Loans	0.12%	(3.0)	8.61%
Fairway Independent Mortgage Corporation	0.12%	(3.0)	2.29%
Mid America Mortgage	0.13%	(3.0)	1.14%
Mr. Cooper	0.14%	(3.0)	0.54%
Bayshore Mortgage Funding	0.14%	(3.0)	0.54%
Western Ohio Mortgage	0.16%	(2.5)	0.94%
Freedom Mortgage Corporation	0.16%	(2.5)	0.67%
DAS Acquisition Company	0.18%	(2.5)	2.62%
Carrington Mortgage Services	0.19%	(2.5)	0.61%
Union Home Mortgage	0.22%	(2.5)	6.19%

Lender Name	Rate Difference	Rate Rating	Market Share
Union Savings Bank	-0.32%	(5.0)	11.07%
Caliber Home Loans	-0.16%	(4.5)	6.22%
Wright-Patt Credit Union Inc	-0.14%	(4.0)	6.22%
loanDepot	-0.12%	(4.0)	8.85%
USAA	-0.09%	(4.0)	4.98%
Guaranteed Rate	-0.06%	(4.0)	1.66%
Navy Federal Credit Union	-0.05%	(4.0)	1.11%
TCF Bank	-0.04%	(3.5)	0.55%
American Mortgage Service Company	-0.03%	(3.5)	0.55%
PennyMac Loan Services	-0.03%	(3.5)	5.53%
Lakeview Loan Servicing	-0.02%	(3.5)	2.35%
Ruoff Mortgage	-0.02%	(3.5)	0.41%
Fifth Third Bank	-0.02%	(3.5)	0.97%
Mid America Mortgage	-0.02%	(3.5)	1.38%
Bayshore Mortgage Funding	-0.01%	(3.5)	0.41%
Home Point Financial Corporation	-0.01%	(3.5)	1.24%
Movement Mortgage	-0.01%	(3.5)	0.14%
Northern Mortgage Services, LLC	-0.01%	(3.5)	0.14%
New American Funding	-0.01%	(3.5)	0.41%
Polaris Home Funding Corp	-0.01%	(3.5)	0.69%
PrimeLending	-0.01%	(3.5)	0.83%
Thrive Mortgage	-0.01%	(3.5)	0.14%
Equity Resources	-0.01%	(3.5)	0.28%
NFM Lending	-0.01%	(3.5)	0.14%
WesBanco	-0.00%	(3.5)	0.14%
Western Ohio Mortgage	-0.00%	(3.5)	0.14%
Huntington National Bank	-0.00%	(3.5)	1.66%
Royal United Mortgage	0.00%	(3.5)	0.28%
Fairway Independent Mortgage Corporation	0.00%	(3.5)	0.28%
Primary Residential Mortgage Inc	0.01%	(3.5)	0.14%
Amerisave Mortgage Corporation	0.01%	(3.5)	1.11%
Universal 1 Credit Union	0.01%	(3.5)	0.14%
US Bank	0.01%	(3.5)	0.28%
Bank of England AR	0.01%	(3.5)	0.41%
KeyBank	0.02%	(3.5)	0.28%
JPMorgan Chase Bank	0.02%	(3.5)	0.14%
Park National Bank	0.02%	(3.5)	0.28%
Flagstar Bank	0.02%	(3.5)	1.52%
Geneva Financial Home Loans	0.02%	(3.5)	0.28%
PNC Bank	0.03%	(3.5)	0.55%
DAS Acquisition Company	0.05%	(3.5)	0.41%
Carrington Mortgage Services	0.06%	(3.0)	3.18%
Freedom Mortgage Corporation	0.12%	(3.0)	3.18%
The Federal Savings Bank	0.13%	(3.0)	5.39%
Mr. Cooper	0.15%	(2.5)	1.52%
Quicken Loans	0.20%	(2.5)	16.32%
NewDay USA	0.43%	(1.5)	6.09%

* Data is compiled for the Kettering, OH commuting zone area, which comprises of counties of Champaign County, OH, Clark County, OH, Darke County, OH, Greene County, OH, Miami County, OH, Montgomery County, OH, Preble County, OH, and Shelby County, OH. This includes cities/towns/communities of Kettering, OH as well as Dayton, OH, Centerville, OH, Beavercreek, OH, Fairborn, OH, Springfield, OH, Huber Heights, OH, Troy, OH, Miamisburg, OH, Xenia, OH, Bellbrook, OH, Riverside, OH, Tipp City, OH, Piqua, OH, Vandalia, OH, Sidney, OH, West Carrollton, OH, Huber Heights, OH, Oakwood, OH, Englewood, OH, Clayton, OH, Northridge, OH, Urbana, OH, Union, OH, New Lebanon, OH, Germantown, OH, Springboro, OH, Trotwood, OH, Moraine, OH, Greenville, OH, Eaton, OH, Lake Lakengren, OH, Arcanum, OH, Brookville, OH, Yellow Springs, OH, West Milton, OH, West Alexandria, OH, Laura, OH, New Carlisle, OH, Donnelsville, OH, Tremont City, OH, Jamestown, OH, Anna, OH, Gratis, OH, Holiday Valley, OH, Fletcher, OH, Russia, OH, North Lewisburg, OH, St. Paris, OH, Lewisburg, OH, and Catawba, 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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