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. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We 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, 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 (for example, above $548,250 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 NameRate DifferenceRate RatingMarket 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 Bank0.01%(3.5)5.27%
Honda Federal Credit Union0.01%(3.5)0.50%
M/I Financial0.02%(3.5)0.20%
American Midwest Mortgage0.02%(3.5)0.22%
Lakeview Loan Servicing0.03%(3.5)0.24%
Sibcy Cline Mortgage Services0.03%(3.5)0.32%
Movement Mortgage0.03%(3.5)0.22%
PennyMac Loan Services0.03%(3.5)0.45%
US Bank0.04%(3.5)2.77%
Ruoff Mortgage0.05%(3.5)0.47%
Universal 1 Credit Union0.05%(3.5)0.39%
NFM Lending0.05%(3.0)0.26%
New American Funding0.06%(3.0)0.25%
Bayshore Mortgage Funding0.07%(3.0)0.31%
Land Home Financial Services0.07%(3.0)0.40%
Mid America Mortgage0.07%(3.0)0.35%
Polaris Home Funding Corp0.07%(3.0)0.42%
American Mortgage Service Company0.08%(3.0)0.57%
Flagstar Bank0.08%(3.0)0.28%
Equity Resources0.09%(3.0)0.71%
Caliber Home Loans0.09%(3.0)6.73%
Guaranteed Rate0.09%(3.0)0.76%
NewRez0.09%(3.0)0.22%
loanDepot0.10%(3.0)2.70%
Farm Credit Mid-America0.10%(3.0)0.38%
Northern Mortgage Services, LLC0.11%(3.0)0.32%
Freedom Mortgage Corporation0.11%(3.0)0.53%
Revolution Mortgage0.11%(3.0)0.20%
Wells Fargo Bank0.11%(3.0)1.28%
PNC Bank0.11%(3.0)1.84%
KeyBank0.11%(3.0)0.76%
Liberty Home Mortgage0.13%(3.0)0.19%
Waterstone Mortgage Corporation0.13%(3.0)0.22%
Geneva Financial Home Loans0.13%(3.0)0.19%
First Financial Bank0.14%(3.0)0.84%
NVR Mortgage Finance Inc0.14%(3.0)1.55%
Carrington Mortgage Services0.14%(3.0)0.80%
Primary Residential Mortgage Inc0.14%(3.0)0.54%
Warsaw Bank0.15%(3.0)0.35%
PrimeLending0.15%(3.0)5.27%
The Federal Savings Bank0.15%(3.0)0.27%
Royal United Mortgage0.15%(2.5)0.20%
Western Ohio Mortgage0.16%(2.5)0.63%
Bank of England AR0.18%(2.5)0.53%
Rapid Mortgage Company0.19%(2.5)0.75%
Union Home Mortgage0.19%(2.5)1.71%
Nations Reliable Lending0.19%(2.5)0.22%
Mortgage 1 Inc0.19%(2.5)0.33%
Quicken Loans0.21%(2.5)6.72%
Partners United Financial0.22%(2.5)0.43%
Mr. Cooper0.23%(2.5)0.68%
Fairway Independent Mortgage Corporation0.27%(2.0)1.51%
DAS Acquisition Company0.29%(2.0)2.59%
NewDay USA0.42%(1.5)0.30%
Lender NameRate DifferenceRate RatingMarket 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 Union0.00%(3.5)0.18%
PennyMac Loan Services0.01%(3.5)0.08%
Universal 1 Credit Union0.02%(3.5)0.38%
M/I Financial0.02%(3.5)0.31%
American Midwest Mortgage0.02%(3.5)0.32%
Amerisave Mortgage Corporation0.02%(3.5)0.03%
Sibcy Cline Mortgage Services0.02%(3.5)0.48%
Movement Mortgage0.03%(3.5)0.31%
The Federal Savings Bank0.04%(3.5)0.05%
NFM Lending0.05%(3.0)0.36%
Equity Resources0.06%(3.0)0.73%
Ruoff Mortgage0.06%(3.0)0.57%
Freedom Mortgage Corporation0.07%(3.0)0.38%
New American Funding0.07%(3.0)0.25%
Bayshore Mortgage Funding0.07%(3.0)0.40%
Polaris Home Funding Corp0.08%(3.0)0.44%
Land Home Financial Services0.08%(3.0)0.44%
American Mortgage Service Company0.08%(3.0)0.75%
Wells Fargo Bank0.08%(3.0)1.36%
Mid America Mortgage0.09%(3.0)0.39%
NewDay USA0.09%(3.0)0.05%
Flagstar Bank0.10%(3.0)0.25%
loanDepot0.10%(3.0)2.65%
Caliber Home Loans0.10%(3.0)8.83%
Northern Mortgage Services, LLC0.11%(3.0)0.46%
Royal United Mortgage0.11%(3.0)0.15%
Farm Credit Mid-America0.11%(3.0)0.41%
Guaranteed Rate0.11%(3.0)0.92%
Waterstone Mortgage Corporation0.12%(3.0)0.34%
KeyBank0.12%(3.0)0.64%
NewRez0.13%(3.0)0.17%
Liberty Home Mortgage0.13%(3.0)0.27%
NVR Mortgage Finance Inc0.13%(3.0)2.37%
Revolution Mortgage0.13%(3.0)0.25%
Quicken Loans0.14%(3.0)3.82%
First Financial Bank0.14%(3.0)0.76%
Warsaw Bank0.14%(3.0)0.52%
Geneva Financial Home Loans0.15%(2.5)0.24%
PrimeLending0.15%(2.5)7.14%
Primary Residential Mortgage Inc0.16%(2.5)0.70%
Western Ohio Mortgage0.17%(2.5)0.82%
Mr. Cooper0.18%(2.5)0.33%
Rapid Mortgage Company0.19%(2.5)1.11%
Union Home Mortgage0.20%(2.5)2.36%
Bank of England AR0.20%(2.5)0.66%
Mortgage 1 Inc0.20%(2.5)0.46%
Nations Reliable Lending0.21%(2.5)0.29%
Partners United Financial0.22%(2.5)0.65%
Fairway Independent Mortgage Corporation0.29%(2.0)2.10%
DAS Acquisition Company0.30%(2.0)3.74%
Carrington Mortgage Services0.31%(2.0)0.41%
Lender NameRate DifferenceRate RatingMarket 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 Union0.00%(3.5)0.24%
WesBanco0.01%(3.5)0.31%
Guaranteed Rate0.02%(3.5)0.48%
Revolution Mortgage0.02%(3.5)0.12%
Mid America Mortgage0.03%(3.5)0.28%
NFM Lending0.03%(3.5)0.07%
Bayshore Mortgage Funding0.04%(3.5)0.14%
American Midwest Mortgage0.04%(3.5)0.02%
Movement Mortgage0.04%(3.5)0.03%
Thrive Mortgage0.04%(3.5)0.17%
Land Home Financial Services0.04%(3.5)0.33%
Warsaw Bank0.04%(3.5)0.02%
Home Point Financial Corporation0.04%(3.5)0.26%
Fairway Independent Mortgage Corporation0.04%(3.5)0.41%
Lakeview Loan Servicing0.04%(3.5)0.52%
Northern Mortgage Services, LLC0.04%(3.5)0.05%
Rapid Mortgage Company0.04%(3.5)0.07%
Keller Mortgage0.04%(3.5)0.03%
PennyMac Loan Services0.04%(3.5)1.15%
Primary Residential Mortgage Inc0.04%(3.5)0.24%
American Mortgage Service Company0.04%(3.5)0.24%
Liberty Home Mortgage0.04%(3.5)0.03%
New American Funding0.05%(3.5)0.24%
Civista Bank0.05%(3.5)0.26%
Sibcy Cline Mortgage Services0.05%(3.5)0.02%
Partners United Financial0.05%(3.5)0.02%
Geneva Financial Home Loans0.05%(3.5)0.10%
Honda Federal Credit Union0.05%(3.0)0.79%
NewRez0.06%(3.0)0.31%
Mortgage 1 Inc0.06%(3.0)0.09%
Flagstar Bank0.06%(3.0)0.34%
Polaris Home Funding Corp0.06%(3.0)0.40%
Carrington Mortgage Services0.06%(3.0)1.53%
DAS Acquisition Company0.07%(3.0)0.43%
Nations Reliable Lending0.07%(3.0)0.09%
Bank of England AR0.08%(3.0)0.28%
Peoples Bank OH WY KY0.08%(3.0)0.09%
Fifth Third Bank0.08%(3.0)8.85%
JPMorgan Chase Bank0.08%(3.0)3.68%
Union Home Mortgage0.08%(3.0)0.48%
loanDepot0.08%(3.0)2.79%
Farm Credit Mid-America0.09%(3.0)0.33%
Universal 1 Credit Union0.10%(3.0)0.41%
KeyBank0.10%(3.0)1.00%
Western Ohio Mortgage0.11%(3.0)0.26%
PrimeLending0.11%(3.0)1.74%
First Financial Bank0.12%(3.0)0.98%
Equity Resources0.15%(3.0)0.67%
Freedom Mortgage Corporation0.15%(3.0)0.79%
The Federal Savings Bank0.17%(2.5)0.71%
Wells Fargo Bank0.18%(2.5)1.14%
US Bank0.18%(2.5)3.79%
Royal United Mortgage0.19%(2.5)0.29%
PNC Bank0.23%(2.5)2.84%
Quicken Loans0.25%(2.0)12.17%
Mr. Cooper0.25%(2.0)1.33%
NewDay USA0.47%(1.0)0.76%
Lender NameRate DifferenceRate RatingMarket 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 Union0.02%(3.5)0.75%
Fifth Third Bank0.02%(3.5)7.38%
WesBanco0.03%(3.5)0.50%
Movement Mortgage0.03%(3.5)0.22%
American Midwest Mortgage0.03%(3.5)0.05%
M/I Financial0.03%(3.5)0.18%
The Federal Savings Bank0.04%(3.5)0.01%
Mid America Mortgage0.04%(3.5)0.03%
Land Home Financial Services0.05%(3.5)0.26%
US Bank0.05%(3.0)3.79%
Lakeview Loan Servicing0.05%(3.0)0.02%
USAA0.05%(3.0)0.69%
Universal 1 Credit Union0.05%(3.0)0.57%
Carrington Mortgage Services0.06%(3.0)0.14%
Liberty Home Mortgage0.06%(3.0)0.04%
NFM Lending0.07%(3.0)0.23%
Polaris Home Funding Corp0.07%(3.0)0.16%
New American Funding0.08%(3.0)0.10%
Home Point Financial Corporation0.08%(3.0)0.10%
Primary Residential Mortgage Inc0.08%(3.0)0.30%
loanDepot0.08%(3.0)1.89%
Flagstar Bank0.09%(3.0)0.14%
Guaranteed Rate0.10%(3.0)0.55%
Sibcy Cline Mortgage Services0.10%(3.0)0.25%
myCUmortgage0.10%(3.0)0.14%
Farm Credit Mid-America0.11%(3.0)0.55%
Revolution Mortgage0.12%(3.0)0.31%
Freedom Mortgage Corporation0.12%(3.0)0.10%
NewRez0.13%(3.0)0.23%
Rapid Mortgage Company0.13%(3.0)0.39%
American Mortgage Service Company0.13%(3.0)0.36%
Wells Fargo Bank0.13%(3.0)1.72%
PNC Bank0.14%(3.0)2.47%
PennyMac Loan Services0.14%(3.0)0.14%
KeyBank0.14%(3.0)1.00%
Caliber Home Loans0.14%(3.0)4.77%
Warsaw Bank0.15%(3.0)0.23%
Northern Mortgage Services, LLC0.15%(3.0)0.28%
Mortgage 1 Inc0.15%(3.0)0.18%
Equity Resources0.15%(2.5)0.76%
First Financial Bank0.15%(2.5)1.13%
NVR Mortgage Finance Inc0.16%(2.5)1.56%
Western Ohio Mortgage0.19%(2.5)0.51%
Geneva Financial Home Loans0.19%(2.5)0.17%
Waterstone Mortgage Corporation0.19%(2.5)0.18%
Royal United Mortgage0.19%(2.5)0.22%
Bank of England AR0.19%(2.5)0.36%
Union Home Mortgage0.19%(2.5)1.22%
Fairway Independent Mortgage Corporation0.20%(2.5)1.01%
PrimeLending0.21%(2.5)5.28%
Nations Reliable Lending0.23%(2.5)0.19%
Partners United Financial0.23%(2.5)0.25%
DAS Acquisition Company0.25%(2.0)1.78%
Navy Federal Credit Union0.28%(2.0)0.49%
Mr. Cooper0.30%(2.0)0.32%
Quicken Loans0.35%(1.5)5.19%
Lender NameRate DifferenceRate RatingMarket 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 Union0.00%(3.5)0.30%
Amerisave Mortgage Corporation0.02%(3.5)0.03%
Universal 1 Credit Union0.02%(3.5)0.60%
Land Home Financial Services0.02%(3.5)0.27%
Movement Mortgage0.03%(3.5)0.35%
American Midwest Mortgage0.03%(3.5)0.06%
M/I Financial0.03%(3.5)0.30%
PennyMac Loan Services0.03%(3.5)0.05%
WesBanco0.03%(3.5)0.57%
loanDepot0.03%(3.5)2.04%
Carrington Mortgage Services0.04%(3.5)0.03%
Freedom Mortgage Corporation0.05%(3.5)0.03%
Mid America Mortgage0.05%(3.5)0.02%
USAA0.05%(3.0)0.98%
Liberty Home Mortgage0.06%(3.0)0.05%
NFM Lending0.07%(3.0)0.35%
Polaris Home Funding Corp0.07%(3.0)0.21%
Primary Residential Mortgage Inc0.07%(3.0)0.41%
Home Point Financial Corporation0.07%(3.0)0.15%
Sibcy Cline Mortgage Services0.10%(3.0)0.41%
myCUmortgage0.10%(3.0)0.18%
Wells Fargo Bank0.10%(3.0)1.86%
Flagstar Bank0.11%(3.0)0.15%
Guaranteed Rate0.11%(3.0)0.74%
New American Funding0.11%(3.0)0.08%
Farm Credit Mid-America0.11%(3.0)0.65%
Rapid Mortgage Company0.13%(3.0)0.59%
Equity Resources0.13%(3.0)0.77%
Mr. Cooper0.13%(3.0)0.09%
American Mortgage Service Company0.13%(3.0)0.53%
Revolution Mortgage0.14%(3.0)0.41%
Royal United Mortgage0.14%(3.0)0.15%
Warsaw Bank0.14%(3.0)0.39%
Caliber Home Loans0.14%(3.0)6.95%
Northern Mortgage Services, LLC0.15%(3.0)0.44%
First Financial Bank0.15%(2.5)1.17%
NVR Mortgage Finance Inc0.16%(2.5)2.60%
Mortgage 1 Inc0.16%(2.5)0.24%
NewRez0.17%(2.5)0.20%
KeyBank0.17%(2.5)0.83%
Waterstone Mortgage Corporation0.18%(2.5)0.30%
Western Ohio Mortgage0.20%(2.5)0.65%
Union Home Mortgage0.21%(2.5)1.68%
Geneva Financial Home Loans0.21%(2.5)0.24%
Bank of England AR0.21%(2.5)0.47%
PrimeLending0.21%(2.5)7.48%
Fairway Independent Mortgage Corporation0.22%(2.5)1.43%
Partners United Financial0.23%(2.5)0.42%
Nations Reliable Lending0.26%(2.0)0.26%
DAS Acquisition Company0.26%(2.0)2.72%
Quicken Loans0.28%(2.0)3.23%
Navy Federal Credit Union0.31%(2.0)0.72%
Lender NameRate DifferenceRate RatingMarket 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 Bank0.01%(3.5)0.29%
Bank of America0.01%(3.5)0.39%
WesBanco0.02%(3.5)0.39%
USAA0.02%(3.5)0.25%
Navy Federal Credit Union0.03%(3.5)0.14%
Revolution Mortgage0.03%(3.5)0.16%
NFM Lending0.04%(3.5)0.07%
Fairway Independent Mortgage Corporation0.04%(3.5)0.39%
American Midwest Mortgage0.05%(3.5)0.02%
Thrive Mortgage0.05%(3.5)0.18%
Guaranteed Rate0.05%(3.5)0.27%
The Federal Savings Bank0.05%(3.5)0.02%
Mid America Mortgage0.05%(3.5)0.05%
Bayshore Mortgage Funding0.05%(3.5)0.09%
Polaris Home Funding Corp0.05%(3.5)0.09%
Movement Mortgage0.05%(3.0)0.02%
Geneva Financial Home Loans0.05%(3.0)0.07%
Rapid Mortgage Company0.05%(3.0)0.09%
Keller Mortgage0.05%(3.0)0.05%
Home Point Financial Corporation0.05%(3.0)0.02%
New American Funding0.06%(3.0)0.14%
Northern Mortgage Services, LLC0.06%(3.0)0.05%
Civista Bank0.06%(3.0)0.32%
Sibcy Cline Mortgage Services0.06%(3.0)0.02%
Lakeview Loan Servicing0.06%(3.0)0.05%
Liberty Home Mortgage0.06%(3.0)0.02%
Honda Federal Credit Union0.07%(3.0)1.04%
Flagstar Bank0.07%(3.0)0.14%
Carrington Mortgage Services0.07%(3.0)0.29%
Mortgage 1 Inc0.08%(3.0)0.09%
NewRez0.08%(3.0)0.27%
American Mortgage Service Company0.08%(3.0)0.11%
Nations Reliable Lending0.08%(3.0)0.09%
DAS Acquisition Company0.09%(3.0)0.36%
Land Home Financial Services0.09%(3.0)0.25%
Primary Residential Mortgage Inc0.09%(3.0)0.14%
Peoples Bank OH WY KY0.09%(3.0)0.11%
JPMorgan Chase Bank0.09%(3.0)4.81%
Fifth Third Bank0.10%(3.0)11.15%
myCUmortgage0.10%(3.0)0.07%
Bank of England AR0.10%(3.0)0.20%
Caliber Home Loans0.11%(3.0)1.47%
Farm Credit Mid-America0.11%(3.0)0.41%
Universal 1 Credit Union0.11%(3.0)0.52%
Union Home Mortgage0.12%(3.0)0.52%
KeyBank0.12%(3.0)1.27%
Western Ohio Mortgage0.13%(3.0)0.29%
PrimeLending0.14%(3.0)1.97%
Freedom Mortgage Corporation0.15%(2.5)0.20%
First Financial Bank0.15%(2.5)1.07%
loanDepot0.17%(2.5)1.65%
PennyMac Loan Services0.18%(2.5)0.27%
Equity Resources0.18%(2.5)0.75%
Wells Fargo Bank0.19%(2.5)1.50%
US Bank0.20%(2.5)4.81%
Royal United Mortgage0.23%(2.5)0.32%
PNC Bank0.25%(2.0)3.51%
Mr. Cooper0.34%(2.0)0.66%
Quicken Loans0.41%(1.5)8.14%
Lender NameRate DifferenceRate RatingMarket 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 Mortgage0.01%(3.5)0.79%
JPMorgan Chase Bank0.02%(3.5)0.06%
Lakeview Loan Servicing0.03%(3.5)0.50%
NewRez0.03%(3.5)0.29%
Caliber Home Loans0.03%(3.5)12.40%
Amerisave Mortgage Corporation0.03%(3.5)0.09%
American Mortgage Service Company0.04%(3.5)1.35%
First Financial Bank0.04%(3.5)0.09%
Mid America Mortgage0.04%(3.5)0.85%
The Federal Savings Bank0.05%(3.5)0.06%
Northern Mortgage Services, LLC0.05%(3.0)0.53%
New American Funding0.06%(3.0)0.73%
Royal United Mortgage0.06%(3.0)0.21%
Freedom Mortgage Corporation0.06%(3.0)1.29%
Waterstone Mortgage Corporation0.06%(3.0)0.38%
Geneva Financial Home Loans0.06%(3.0)0.26%
PrimeLending0.07%(3.0)4.25%
NFM Lending0.07%(3.0)0.23%
Polaris Home Funding Corp0.08%(3.0)1.32%
Flagstar Bank0.08%(3.0)0.38%
Land Home Financial Services0.09%(3.0)0.91%
NVR Mortgage Finance Inc0.09%(3.0)1.82%
Ruoff Mortgage0.11%(3.0)0.91%
Union Home Mortgage0.12%(3.0)1.73%
Park National Bank0.12%(3.0)0.44%
Bayshore Mortgage Funding0.13%(3.0)0.67%
Liberty Home Mortgage0.14%(3.0)0.73%
Western Ohio Mortgage0.14%(3.0)1.00%
Guaranteed Rate0.16%(2.5)1.03%
Warsaw Bank0.16%(2.5)0.79%
Carrington Mortgage Services0.16%(2.5)2.55%
Nations Reliable Lending0.16%(2.5)0.32%
Bank of England AR0.19%(2.5)1.11%
loanDepot0.19%(2.5)4.28%
Mr. Cooper0.20%(2.5)1.73%
Primary Residential Mortgage Inc0.22%(2.5)1.35%
Rapid Mortgage Company0.23%(2.5)2.11%
Mortgage 1 Inc0.24%(2.5)0.91%
Partners United Financial0.24%(2.5)1.06%
DAS Acquisition Company0.36%(1.5)5.69%
Fairway Independent Mortgage Corporation0.40%(1.5)3.08%
Lender NameRate DifferenceRate RatingMarket 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 Mortgage0.00%(3.5)0.22%
American Midwest Mortgage0.02%(3.5)0.98%
JPMorgan Chase Bank0.02%(3.5)0.07%
Freedom Mortgage Corporation0.03%(3.5)1.09%
NewRez0.03%(3.5)0.15%
American Mortgage Service Company0.04%(3.5)1.49%
First Financial Bank0.04%(3.5)0.07%
Caliber Home Loans0.05%(3.5)13.50%
The Federal Savings Bank0.05%(3.0)0.04%
Mid America Mortgage0.05%(3.0)0.91%
Northern Mortgage Services, LLC0.06%(3.0)0.65%
New American Funding0.06%(3.0)0.73%
Royal United Mortgage0.06%(3.0)0.22%
Waterstone Mortgage Corporation0.07%(3.0)0.47%
PrimeLending0.07%(3.0)4.97%
Geneva Financial Home Loans0.07%(3.0)0.29%
NFM Lending0.08%(3.0)0.29%
Polaris Home Funding Corp0.09%(3.0)1.12%
Flagstar Bank0.09%(3.0)0.36%
NVR Mortgage Finance Inc0.10%(3.0)2.25%
Park National Bank0.12%(3.0)0.54%
Ruoff Mortgage0.13%(3.0)1.05%
Land Home Financial Services0.13%(3.0)0.83%
Union Home Mortgage0.13%(3.0)1.96%
Bayshore Mortgage Funding0.14%(3.0)0.80%
Western Ohio Mortgage0.14%(3.0)1.20%
Liberty Home Mortgage0.14%(3.0)0.87%
Warsaw Bank0.16%(2.5)0.94%
Nations Reliable Lending0.17%(2.5)0.36%
Guaranteed Rate0.17%(2.5)1.12%
loanDepot0.18%(2.5)4.39%
Mr. Cooper0.20%(2.5)0.80%
Bank of England AR0.21%(2.5)1.23%
Rapid Mortgage Company0.23%(2.5)2.61%
Mortgage 1 Inc0.25%(2.5)1.09%
Partners United Financial0.25%(2.0)1.27%
Primary Residential Mortgage Inc0.26%(2.0)1.42%
Carrington Mortgage Services0.35%(2.0)1.23%
DAS Acquisition Company0.37%(1.5)6.82%
Fairway Independent Mortgage Corporation0.42%(1.5)3.63%
Lender NameRate DifferenceRate RatingMarket 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 Company0.00%(3.5)0.92%
1st National Bank0.00%(3.5)0.15%
Quicken Loans0.00%(3.5)34.96%
Liberty Home Mortgage0.01%(3.5)0.15%
Thrive Mortgage0.01%(3.5)0.15%
American Mortgage Service Company0.01%(3.5)0.76%
Warsaw Bank0.01%(3.5)0.15%
NewRez0.01%(3.5)0.92%
Mortgage 1 Inc0.01%(3.5)0.15%
Geneva Financial Home Loans0.01%(3.5)0.15%
Amerisave Mortgage Corporation0.02%(3.5)0.46%
Partners United Financial0.02%(3.5)0.15%
Carrington Mortgage Services0.02%(3.5)8.09%
Home Point Financial Corporation0.02%(3.5)0.76%
Royal United Mortgage0.02%(3.5)0.15%
Western Ohio Mortgage0.03%(3.5)0.15%
Bayshore Mortgage Funding0.03%(3.5)0.15%
New American Funding0.03%(3.5)0.76%
Guaranteed Rate0.03%(3.5)0.61%
Nations Reliable Lending0.03%(3.5)0.15%
The Federal Savings Bank0.03%(3.5)0.15%
First Financial Bank0.03%(3.5)0.15%
Fairway Independent Mortgage Corporation0.03%(3.5)0.76%
Flagstar Bank0.03%(3.5)0.46%
Bank of England AR0.03%(3.5)0.61%
US Bank0.04%(3.5)0.76%
PrimeLending0.04%(3.5)1.22%
Lakeview Loan Servicing0.05%(3.5)1.68%
Polaris Home Funding Corp0.05%(3.0)2.14%
Freedom Mortgage Corporation0.11%(3.0)2.14%
Mr. Cooper0.18%(2.5)5.65%
loanDepot0.24%(2.5)3.82%
Lender NameRate DifferenceRate RatingMarket 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 Bank0.00%(3.5)9.30%
Fifth Third Bank0.00%(3.5)13.95%
KeyBank0.00%(3.5)2.33%
Wells Fargo Bank0.01%(3.5)2.33%
Civista Bank0.01%(3.5)4.65%
JPMorgan Chase Bank0.01%(3.5)6.98%
Farm Credit Mid-America0.01%(3.5)6.98%
Bank of America0.02%(3.5)4.65%
Quicken Loans0.03%(3.5)2.33%
Caliber Home Loans0.04%(3.5)4.65%
Lender NameRate DifferenceRate RatingMarket 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 Bank0.00%(3.5)4.55%
KeyBank0.00%(3.5)4.55%
Wells Fargo Bank0.00%(3.5)4.55%
Civista Bank0.00%(3.5)4.55%
JPMorgan Chase Bank0.01%(3.5)9.09%
Farm Credit Mid-America0.01%(3.5)9.09%
Bank of America0.02%(3.5)9.09%
Caliber Home Loans0.03%(3.5)9.09%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.02%(3.5)19.05%
First Financial Bank-0.00%(3.5)42.86%
Civista Bank0.01%(3.5)4.76%
JPMorgan Chase Bank0.01%(3.5)4.76%
Fifth Third Bank0.01%(3.5)9.52%
PNC Bank0.01%(3.5)4.76%
Farm Credit Mid-America0.01%(3.5)4.76%
US Bank0.02%(3.5)4.76%
Quicken Loans0.03%(3.5)4.76%
Lender NameRate DifferenceRate RatingMarket 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%
PrimeLending0.01%(3.5)6.84%
US Bank0.01%(3.5)0.36%
Home Point Financial Corporation0.01%(3.5)0.68%
Polaris Home Funding Corp0.01%(3.5)0.36%
Northern Mortgage Services, LLC0.01%(3.5)0.18%
New American Funding0.01%(3.5)0.23%
1st National Bank0.01%(3.5)0.05%
NewRez0.01%(3.5)0.09%
Primary Residential Mortgage Inc0.02%(3.5)0.54%
Royal United Mortgage0.02%(3.5)0.09%
Civista Bank0.02%(3.5)0.05%
American Mortgage Service Company0.02%(3.5)0.45%
Park National Bank0.02%(3.5)0.18%
American Midwest Mortgage0.02%(3.5)0.18%
Universal 1 Credit Union0.02%(3.5)0.09%
Amerisave Mortgage Corporation0.03%(3.5)0.41%
Mortgage 1 Inc0.03%(3.5)0.18%
Ruoff Mortgage0.03%(3.5)0.27%
KeyBank0.03%(3.5)0.14%
Waterstone Mortgage Corporation0.03%(3.5)0.18%
Movement Mortgage0.03%(3.5)0.27%
Geneva Financial Home Loans0.04%(3.5)0.18%
Land Home Financial Services0.04%(3.5)0.32%
Caliber Home Loans0.04%(3.5)7.83%
Equity Resources0.04%(3.5)0.36%
PNC Bank0.04%(3.5)0.41%
Bank of England AR0.05%(3.5)0.45%
Warsaw Bank0.05%(3.0)0.23%
Partners United Financial0.05%(3.0)0.36%
Liberty Home Mortgage0.05%(3.0)0.09%
JPMorgan Chase Bank0.05%(3.0)0.32%
NVR Mortgage Finance Inc0.05%(3.0)1.09%
Flagstar Bank0.06%(3.0)0.81%
Mid America Mortgage0.07%(3.0)1.22%
Bayshore Mortgage Funding0.10%(3.0)0.50%
Rapid Mortgage Company0.10%(3.0)0.45%
Nations Reliable Lending0.11%(3.0)0.23%
Carrington Mortgage Services0.11%(3.0)1.45%
Fairway Independent Mortgage Corporation0.11%(3.0)1.63%
The Federal Savings Bank0.14%(3.0)1.95%
Western Ohio Mortgage0.14%(3.0)0.68%
Freedom Mortgage Corporation0.14%(3.0)1.49%
Mr. Cooper0.15%(2.5)0.86%
DAS Acquisition Company0.17%(2.5)1.90%
Quicken Loans0.17%(2.5)7.70%
Union Home Mortgage0.21%(2.5)4.16%
NewDay USA0.40%(1.5)2.26%
Lender NameRate DifferenceRate RatingMarket 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 Services0.00%(3.5)0.27%
Peoples Bank OH WY KY0.00%(3.5)0.67%
US Bank0.01%(3.5)0.40%
Polaris Home Funding Corp0.01%(3.5)0.20%
PrimeLending0.01%(3.5)9.76%
Park National Bank0.01%(3.5)0.13%
1st National Bank0.02%(3.5)0.07%
Northern Mortgage Services, LLC0.02%(3.5)0.20%
Home Point Financial Corporation0.02%(3.5)0.40%
NewRez0.02%(3.5)0.13%
Guaranteed Rate0.02%(3.5)1.35%
Primary Residential Mortgage Inc0.02%(3.5)0.74%
New American Funding0.03%(3.5)0.13%
KeyBank0.03%(3.5)0.07%
Amerisave Mortgage Corporation0.03%(3.5)0.07%
Universal 1 Credit Union0.03%(3.5)0.07%
Civista Bank0.03%(3.5)0.07%
Lakeview Loan Servicing0.03%(3.5)0.27%
American Midwest Mortgage0.03%(3.5)0.27%
The Federal Savings Bank0.03%(3.5)0.27%
Mortgage 1 Inc0.04%(3.5)0.27%
Waterstone Mortgage Corporation0.04%(3.5)0.27%
Geneva Financial Home Loans0.04%(3.5)0.13%
Movement Mortgage0.05%(3.5)0.34%
American Mortgage Service Company0.05%(3.5)0.40%
Land Home Financial Services0.05%(3.0)0.47%
PNC Bank0.05%(3.0)0.34%
Warsaw Bank0.06%(3.0)0.34%
Partners United Financial0.06%(3.0)0.54%
Liberty Home Mortgage0.06%(3.0)0.13%
Equity Resources0.06%(3.0)0.40%
NVR Mortgage Finance Inc0.06%(3.0)1.62%
JPMorgan Chase Bank0.07%(3.0)0.40%
Bank of England AR0.07%(3.0)0.47%
Ruoff Mortgage0.07%(3.0)0.20%
loanDepot0.08%(3.0)2.15%
NewDay USA0.08%(3.0)0.40%
Quicken Loans0.09%(3.0)3.50%
Flagstar Bank0.09%(3.0)0.47%
Rapid Mortgage Company0.11%(3.0)0.67%
Nations Reliable Lending0.11%(3.0)0.34%
Caliber Home Loans0.12%(3.0)8.61%
Fairway Independent Mortgage Corporation0.12%(3.0)2.29%
Mid America Mortgage0.13%(3.0)1.14%
Mr. Cooper0.14%(3.0)0.54%
Bayshore Mortgage Funding0.14%(3.0)0.54%
Western Ohio Mortgage0.16%(2.5)0.94%
Freedom Mortgage Corporation0.16%(2.5)0.67%
DAS Acquisition Company0.18%(2.5)2.62%
Carrington Mortgage Services0.19%(2.5)0.61%
Union Home Mortgage0.22%(2.5)6.19%
Lender NameRate DifferenceRate RatingMarket 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 Mortgage0.00%(3.5)0.28%
Fairway Independent Mortgage Corporation0.00%(3.5)0.28%
Primary Residential Mortgage Inc0.01%(3.5)0.14%
Amerisave Mortgage Corporation0.01%(3.5)1.11%
Universal 1 Credit Union0.01%(3.5)0.14%
US Bank0.01%(3.5)0.28%
Bank of England AR0.01%(3.5)0.41%
KeyBank0.02%(3.5)0.28%
JPMorgan Chase Bank0.02%(3.5)0.14%
Park National Bank0.02%(3.5)0.28%
Flagstar Bank0.02%(3.5)1.52%
Geneva Financial Home Loans0.02%(3.5)0.28%
PNC Bank0.03%(3.5)0.55%
DAS Acquisition Company0.05%(3.5)0.41%
Carrington Mortgage Services0.06%(3.0)3.18%
Freedom Mortgage Corporation0.12%(3.0)3.18%
The Federal Savings Bank0.13%(3.0)5.39%
Mr. Cooper0.15%(2.5)1.52%
Quicken Loans0.20%(2.5)16.32%
NewDay USA0.43%(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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