Top Mortgage Lenders in North Ridgeville, OH

Which mortgage lender in the North Ridgeville, OH area typically has the best rates? To help you narrow down where to shop for a mortgage, provides an objective and data driven ranking of mortgage lenders operating in the North Ridgeville, 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 North Ridgeville, OH area in terms of interest rate is Third Federal Savings & Loan, with an average “Rate Difference” of -0.29%. This means that, comparing similar borrowers, Third Federal Savings & Loan provided a -0.29% lower interest rate for its customers than other lenders in the area. Third Federal Savings & Loan has a market share of 6.4%. On the other hand, the most popular lender in the North Ridgeville, OH area is Quicken Loans, with a larger market share of 13.4%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.11% compared to those of other lenders. We recommend shopping around before going with this popular lender.

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

Ranking of Mortgage Lenders in North Ridgeville, OH

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Third Federal Savings & Loan-0.29%(5.0)6.41%
First Federal Savings and Loan Association of Lorain-0.19%(4.5)2.50%
Northwest Bank PA-0.15%(4.0)1.92%
First Federal Lakewood-0.12%(4.0)4.22%
JPMorgan Chase Bank-0.08%(4.0)2.25%
Huntington National Bank-0.08%(4.0)7.09%
Navy Federal Credit Union-0.08%(4.0)0.91%
First National Bank-0.07%(4.0)0.57%
Civista Bank-0.06%(4.0)3.33%
Fifth Third Bank-0.06%(4.0)7.06%
First National Bank of Pennsylvania-0.05%(4.0)0.99%
PNC Bank-0.03%(3.5)3.02%
K. Hovnanian American Mortgage-0.02%(3.5)0.83%
Bank of England AR-0.00%(3.5)0.90%
Carrington Mortgage Services0.01%(3.5)0.59%
Home Point Financial Corporation0.01%(3.5)0.59%
Mid America Mortgage0.02%(3.5)0.52%
US Bank0.02%(3.5)2.04%
Nations Lending Corporation0.02%(3.5)1.11%
Dollar Bank0.04%(3.5)2.27%
Wells Fargo Bank0.04%(3.5)1.45%
Fairway Independent Mortgage Corporation0.04%(3.5)2.69%
Flagstar Bank0.05%(3.0)0.80%
Union Capital Mortgage0.06%(3.0)0.65%
Freedom Mortgage Corporation0.06%(3.0)1.60%
Amerifirst Home Mortgage0.07%(3.0)0.72%
NVR Mortgage Finance Inc0.08%(3.0)4.13%
LendUS LLC0.10%(3.0)6.41%
Liberty Home Mortgage0.11%(3.0)0.98%
Gold Star Mortgage Financial Group0.11%(3.0)0.54%
Quicken Loans0.11%(3.0)13.39%
Mr. Cooper0.14%(3.0)0.96%
American Midwest Mortgage0.15%(2.5)2.72%
Union Home Mortgage0.21%(2.5)4.27%
Lender NameRate DifferenceRate RatingMarket Share
Third Federal Savings & Loan-0.29%(5.0)6.67%
JPMorgan Chase Bank-0.13%(4.0)1.93%
First Federal Savings and Loan Association of Lorain-0.13%(4.0)2.12%
Northwest Bank PA-0.11%(4.0)1.11%
Huntington National Bank-0.10%(4.0)6.99%
Fifth Third Bank-0.10%(4.0)5.11%
First Federal Lakewood-0.10%(4.0)4.18%
PNC Bank-0.09%(4.0)2.62%
Navy Federal Credit Union-0.09%(4.0)1.16%
Dollar Bank-0.08%(4.0)1.59%
First National Bank of Pennsylvania-0.06%(4.0)1.19%
Civista Bank-0.05%(4.0)4.05%
Wells Fargo Bank-0.03%(3.5)1.38%
US Bank-0.03%(3.5)1.59%
First National Bank-0.03%(3.5)0.40%
K. Hovnanian American Mortgage-0.02%(3.5)1.35%
Bank of England AR-0.01%(3.5)1.16%
Home Point Financial Corporation0.01%(3.5)0.61%
Carrington Mortgage Services0.02%(3.5)0.08%
Nations Lending Corporation0.03%(3.5)1.06%
Mid America Mortgage0.03%(3.5)0.58%
Fairway Independent Mortgage Corporation0.04%(3.5)3.94%
Quicken Loans0.06%(3.0)7.33%
Flagstar Bank0.06%(3.0)0.98%
Union Capital Mortgage0.06%(3.0)0.82%
Freedom Mortgage Corporation0.07%(3.0)1.77%
NVR Mortgage Finance Inc0.08%(3.0)6.70%
Amerifirst Home Mortgage0.09%(3.0)0.95%
LendUS LLC0.11%(3.0)9.24%
Gold Star Mortgage Financial Group0.12%(3.0)0.77%
Liberty Home Mortgage0.13%(3.0)1.40%
Mr. Cooper0.17%(2.5)0.37%
American Midwest Mortgage0.17%(2.5)3.73%
Union Home Mortgage0.25%(2.0)5.96%
Lender NameRate DifferenceRate RatingMarket Share
Third Federal Savings & Loan-0.29%(5.0)5.99%
First Federal Savings and Loan Association of Lorain-0.27%(5.0)3.10%
Northwest Bank PA-0.17%(4.5)3.23%
First Federal Lakewood-0.15%(4.5)4.29%
First National Bank-0.10%(4.0)0.85%
Civista Bank-0.06%(4.0)2.17%
Union Home Mortgage-0.06%(4.0)1.57%
First National Bank of Pennsylvania-0.04%(3.5)0.68%
Huntington National Bank-0.04%(3.5)7.26%
Navy Federal Credit Union-0.04%(3.5)0.51%
JPMorgan Chase Bank-0.03%(3.5)2.76%
Liberty Home Mortgage-0.02%(3.5)0.30%
Fifth Third Bank-0.02%(3.5)10.19%
Mid America Mortgage-0.01%(3.5)0.42%
Bank of England AR-0.00%(3.5)0.47%
Amerifirst Home Mortgage-0.00%(3.5)0.34%
LendUS LLC-0.00%(3.5)1.87%
Nations Lending Corporation0.00%(3.5)1.19%
Carrington Mortgage Services0.01%(3.5)1.40%
Home Point Financial Corporation0.02%(3.5)0.55%
Flagstar Bank0.02%(3.5)0.51%
Gold Star Mortgage Financial Group0.04%(3.5)0.17%
PNC Bank0.04%(3.5)3.65%
Fairway Independent Mortgage Corporation0.04%(3.5)0.68%
Union Capital Mortgage0.05%(3.5)0.38%
Freedom Mortgage Corporation0.05%(3.5)1.32%
American Midwest Mortgage0.05%(3.0)1.10%
US Bank0.06%(3.0)2.76%
Dollar Bank0.12%(3.0)3.35%
Mr. Cooper0.14%(3.0)1.91%
Wells Fargo Bank0.14%(3.0)1.57%
Quicken Loans0.14%(3.0)23.10%
Lender NameRate DifferenceRate RatingMarket Share
Third Federal Savings & Loan-0.29%(5.0)8.95%
First Federal Savings and Loan Association of Lorain-0.19%(4.5)3.49%
Northwest Bank PA-0.15%(4.0)2.60%
First Federal Lakewood-0.12%(4.0)5.23%
JPMorgan Chase Bank-0.08%(4.0)3.11%
First National Bank-0.06%(4.0)0.80%
First National Bank of Pennsylvania-0.05%(4.0)1.14%
Civista Bank-0.05%(4.0)4.29%
Fifth Third Bank-0.04%(3.5)8.98%
Huntington National Bank-0.03%(3.5)7.81%
PNC Bank-0.02%(3.5)3.97%
K. Hovnanian American Mortgage0.00%(3.5)0.62%
Mid America Mortgage0.00%(3.5)0.27%
Bank of England AR0.02%(3.5)0.57%
Home Point Financial Corporation0.02%(3.5)0.23%
US Bank0.02%(3.5)2.54%
Fairway Independent Mortgage Corporation0.03%(3.5)2.28%
Carrington Mortgage Services0.03%(3.5)0.18%
Wells Fargo Bank0.04%(3.5)1.94%
Dollar Bank0.05%(3.5)2.95%
Navy Federal Credit Union0.05%(3.0)0.50%
Union Capital Mortgage0.08%(3.0)0.78%
Amerifirst Home Mortgage0.08%(3.0)0.48%
Nations Lending Corporation0.08%(3.0)0.59%
Flagstar Bank0.10%(3.0)0.57%
NVR Mortgage Finance Inc0.12%(3.0)4.25%
Freedom Mortgage Corporation0.13%(3.0)0.75%
American Midwest Mortgage0.13%(3.0)1.60%
Gold Star Mortgage Financial Group0.15%(3.0)0.55%
LendUS LLC0.16%(2.5)3.11%
Liberty Home Mortgage0.19%(2.5)0.34%
Quicken Loans0.20%(2.5)11.17%
Mr. Cooper0.22%(2.5)0.43%
Union Home Mortgage0.24%(2.5)3.97%
Lender NameRate DifferenceRate RatingMarket Share
Third Federal Savings & Loan-0.29%(5.0)10.10%
JPMorgan Chase Bank-0.13%(4.0)2.90%
First Federal Savings and Loan Association of Lorain-0.12%(4.0)3.22%
Northwest Bank PA-0.11%(4.0)1.57%
First Federal Lakewood-0.09%(4.0)5.31%
PNC Bank-0.09%(4.0)3.66%
Fifth Third Bank-0.08%(4.0)6.23%
Dollar Bank-0.08%(4.0)2.05%
First National Bank of Pennsylvania-0.06%(4.0)1.45%
Civista Bank-0.05%(3.5)5.59%
Wells Fargo Bank-0.03%(3.5)1.93%
Huntington National Bank-0.03%(3.5)7.84%
US Bank-0.03%(3.5)1.97%
First National Bank-0.02%(3.5)0.60%
K. Hovnanian American Mortgage0.00%(3.5)1.09%
Mid America Mortgage0.02%(3.5)0.28%
Carrington Mortgage Services0.02%(3.5)0.04%
Fairway Independent Mortgage Corporation0.03%(3.5)3.54%
Bank of England AR0.03%(3.5)0.68%
Home Point Financial Corporation0.04%(3.5)0.24%
Navy Federal Credit Union0.07%(3.0)0.68%
Union Capital Mortgage0.08%(3.0)1.05%
Nations Lending Corporation0.09%(3.0)0.72%
Amerifirst Home Mortgage0.11%(3.0)0.60%
Flagstar Bank0.11%(3.0)0.80%
NVR Mortgage Finance Inc0.12%(3.0)7.48%
Freedom Mortgage Corporation0.16%(2.5)0.97%
Gold Star Mortgage Financial Group0.16%(2.5)0.88%
American Midwest Mortgage0.16%(2.5)2.09%
Quicken Loans0.16%(2.5)5.95%
Liberty Home Mortgage0.19%(2.5)0.60%
LendUS LLC0.21%(2.5)4.34%
Union Home Mortgage0.32%(2.0)5.55%
Lender NameRate DifferenceRate RatingMarket Share
Third Federal Savings & Loan-0.29%(5.0)7.45%
First Federal Savings and Loan Association of Lorain-0.26%(5.0)3.86%
Northwest Bank PA-0.17%(4.5)3.96%
First Federal Lakewood-0.16%(4.5)5.13%
First National Bank-0.09%(4.0)1.06%
Civista Bank-0.06%(4.0)2.59%
Union Home Mortgage-0.06%(4.0)1.90%
First National Bank of Pennsylvania-0.04%(3.5)0.74%
Huntington National Bank-0.04%(3.5)7.77%
JPMorgan Chase Bank-0.03%(3.5)3.38%
Fifth Third Bank-0.02%(3.5)12.58%
Mid America Mortgage-0.02%(3.5)0.26%
Amerifirst Home Mortgage-0.00%(3.5)0.32%
Home Point Financial Corporation0.00%(3.5)0.21%
Bank of England AR0.00%(3.5)0.42%
LendUS LLC0.00%(3.5)1.48%
Navy Federal Credit Union0.02%(3.5)0.26%
Carrington Mortgage Services0.03%(3.5)0.37%
Flagstar Bank0.03%(3.5)0.26%
Gold Star Mortgage Financial Group0.04%(3.5)0.11%
Fairway Independent Mortgage Corporation0.04%(3.5)0.63%
Freedom Mortgage Corporation0.04%(3.5)0.48%
PNC Bank0.05%(3.5)4.39%
Nations Lending Corporation0.05%(3.5)0.42%
Union Capital Mortgage0.05%(3.0)0.42%
US Bank0.07%(3.0)3.28%
American Midwest Mortgage0.07%(3.0)0.95%
Dollar Bank0.13%(3.0)4.12%
Wells Fargo Bank0.14%(3.0)1.96%
Quicken Loans0.22%(2.5)18.02%
Mr. Cooper0.22%(2.5)1.00%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.30%(5.0)5.61%
Fifth Third Bank-0.18%(4.5)2.35%
First Federal Lakewood-0.13%(4.0)1.44%
Civista Bank-0.08%(4.0)0.76%
Dollar Bank-0.06%(4.0)0.45%
K. Hovnanian American Mortgage-0.06%(4.0)0.99%
First National Bank of Pennsylvania-0.05%(4.0)0.53%
Quicken Loans-0.05%(3.5)20.47%
Bank of England AR-0.04%(3.5)1.67%
Nations Lending Corporation-0.04%(3.5)2.65%
Navy Federal Credit Union-0.04%(3.5)0.23%
Northwest Bank PA-0.03%(3.5)0.08%
US Bank-0.03%(3.5)0.68%
PNC Bank-0.03%(3.5)0.30%
NVR Mortgage Finance Inc-0.02%(3.5)3.87%
Union Capital Mortgage-0.02%(3.5)0.45%
Home Point Financial Corporation-0.01%(3.5)1.36%
Flagstar Bank-0.00%(3.5)1.36%
Carrington Mortgage Services0.00%(3.5)1.21%
Freedom Mortgage Corporation0.01%(3.5)3.71%
Mid America Mortgage0.02%(3.5)1.21%
Gold Star Mortgage Financial Group0.03%(3.5)0.61%
LendUS LLC0.05%(3.0)17.89%
Fairway Independent Mortgage Corporation0.06%(3.0)4.25%
Amerifirst Home Mortgage0.06%(3.0)1.52%
Liberty Home Mortgage0.07%(3.0)3.11%
Mr. Cooper0.11%(3.0)2.50%
Union Home Mortgage0.17%(2.5)4.85%
American Midwest Mortgage0.19%(2.5)5.84%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.35%(5.0)6.06%
Fifth Third Bank-0.19%(4.5)2.98%
First Federal Lakewood-0.14%(4.0)1.69%
Quicken Loans-0.09%(4.0)10.92%
Civista Bank-0.09%(4.0)0.99%
Dollar Bank-0.07%(4.0)0.50%
K. Hovnanian American Mortgage-0.06%(4.0)1.29%
First National Bank of Pennsylvania-0.06%(4.0)0.70%
Bank of England AR-0.05%(3.5)2.09%
Navy Federal Credit Union-0.04%(3.5)0.30%
Nations Lending Corporation-0.04%(3.5)1.99%
US Bank-0.04%(3.5)0.60%
Northwest Bank PA-0.04%(3.5)0.10%
PNC Bank-0.03%(3.5)0.30%
NVR Mortgage Finance Inc-0.03%(3.5)5.06%
Union Capital Mortgage-0.03%(3.5)0.50%
Home Point Financial Corporation-0.02%(3.5)1.19%
Flagstar Bank-0.02%(3.5)1.49%
Carrington Mortgage Services0.00%(3.5)0.20%
Freedom Mortgage Corporation0.00%(3.5)3.48%
Gold Star Mortgage Financial Group0.02%(3.5)0.60%
Mid America Mortgage0.02%(3.5)1.29%
LendUS LLC0.05%(3.0)22.14%
Fairway Independent Mortgage Corporation0.06%(3.0)5.16%
Amerifirst Home Mortgage0.07%(3.0)1.79%
Liberty Home Mortgage0.09%(3.0)3.38%
Mr. Cooper0.15%(2.5)1.39%
Union Home Mortgage0.17%(2.5)6.26%
American Midwest Mortgage0.20%(2.5)7.25%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.06%(4.0)4.17%
Nations Lending Corporation-0.03%(3.5)4.81%
Liberty Home Mortgage-0.03%(3.5)2.24%
Quicken Loans-0.01%(3.5)51.28%
First Federal Lakewood-0.01%(3.5)0.64%
Mid America Mortgage-0.01%(3.5)0.96%
Dollar Bank-0.01%(3.5)0.32%
PNC Bank-0.00%(3.5)0.32%
Union Home Mortgage-0.00%(3.5)0.32%
LendUS LLC-0.00%(3.5)4.17%
US Bank-0.00%(3.5)0.96%
Union Capital Mortgage0.00%(3.5)0.32%
Fifth Third Bank0.00%(3.5)0.32%
Bank of England AR0.01%(3.5)0.32%
Amerifirst Home Mortgage0.01%(3.5)0.64%
Carrington Mortgage Services0.01%(3.5)4.49%
Home Point Financial Corporation0.02%(3.5)1.92%
American Midwest Mortgage0.04%(3.5)1.28%
Gold Star Mortgage Financial Group0.04%(3.5)0.64%
Flagstar Bank0.04%(3.5)0.96%
Freedom Mortgage Corporation0.05%(3.0)4.49%
Fairway Independent Mortgage Corporation0.06%(3.0)1.28%
Mr. Cooper0.08%(3.0)6.09%
Lender NameRate DifferenceRate RatingMarket Share
Fifth Third Bank-0.02%(3.5)8.82%
Huntington National Bank-0.02%(3.5)5.88%
NVR Mortgage Finance Inc-0.01%(3.5)5.88%
First Federal Lakewood-0.01%(3.5)11.76%
Wells Fargo Bank-0.01%(3.5)5.88%
Third Federal Savings & Loan-0.01%(3.5)2.94%
PNC Bank0.00%(3.5)11.76%
Civista Bank0.01%(3.5)2.94%
Northwest Bank PA0.01%(3.5)2.94%
First National Bank of Pennsylvania0.01%(3.5)8.82%
US Bank0.01%(3.5)5.88%
Navy Federal Credit Union0.01%(3.5)2.94%
Quicken Loans0.02%(3.5)2.94%
Dollar Bank0.03%(3.5)11.76%
Lender NameRate DifferenceRate RatingMarket Share
Fifth Third Bank-0.02%(3.5)12.00%
NVR Mortgage Finance Inc-0.02%(3.5)8.00%
First Federal Lakewood-0.01%(3.5)8.00%
Wells Fargo Bank-0.01%(3.5)8.00%
Third Federal Savings & Loan-0.01%(3.5)4.00%
PNC Bank-0.00%(3.5)8.00%
Civista Bank0.01%(3.5)4.00%
Northwest Bank PA0.01%(3.5)4.00%
First National Bank of Pennsylvania0.01%(3.5)4.00%
US Bank0.01%(3.5)8.00%
Navy Federal Credit Union0.01%(3.5)4.00%
Quicken Loans0.02%(3.5)4.00%
Dollar Bank0.03%(3.5)16.00%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.02%(3.5)22.22%
First Federal Lakewood-0.01%(3.5)22.22%
PNC Bank0.00%(3.5)22.22%
First National Bank of Pennsylvania0.01%(3.5)22.22%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.18%(4.5)7.48%
K. Hovnanian American Mortgage-0.05%(3.5)2.74%
First Federal Lakewood-0.02%(3.5)1.75%
First National Bank of Pennsylvania-0.02%(3.5)0.25%
Wells Fargo Bank-0.02%(3.5)0.50%
Civista Bank-0.02%(3.5)1.25%
US Bank-0.02%(3.5)0.75%
Carrington Mortgage Services-0.01%(3.5)2.99%
Bank of England AR-0.01%(3.5)2.00%
Northwest Bank PA-0.00%(3.5)0.50%
Mid America Mortgage-0.00%(3.5)1.00%
Flagstar Bank-0.00%(3.5)1.50%
PNC Bank-0.00%(3.5)0.75%
Amerifirst Home Mortgage-0.00%(3.5)0.75%
Nations Lending Corporation0.00%(3.5)1.75%
Fifth Third Bank0.00%(3.5)1.50%
Fairway Independent Mortgage Corporation0.00%(3.5)2.24%
Huntington National Bank0.01%(3.5)4.24%
American Midwest Mortgage0.01%(3.5)4.99%
NVR Mortgage Finance Inc0.01%(3.5)3.49%
Gold Star Mortgage Financial Group0.01%(3.5)0.25%
JPMorgan Chase Bank0.01%(3.5)0.50%
Home Point Financial Corporation0.02%(3.5)2.00%
Freedom Mortgage Corporation0.05%(3.5)3.99%
Mr. Cooper0.06%(3.0)1.75%
Liberty Home Mortgage0.07%(3.0)1.00%
LendUS LLC0.08%(3.0)5.24%
Union Home Mortgage0.09%(3.0)5.99%
Quicken Loans0.12%(3.0)15.21%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.19%(4.5)8.88%
K. Hovnanian American Mortgage-0.03%(3.5)4.25%
Huntington National Bank-0.01%(3.5)3.09%
First Federal Lakewood0.00%(3.5)2.70%
First National Bank of Pennsylvania0.00%(3.5)0.39%
Wells Fargo Bank0.01%(3.5)0.77%
US Bank0.01%(3.5)1.16%
Civista Bank0.01%(3.5)1.16%
Bank of England AR0.01%(3.5)2.32%
Mid America Mortgage0.02%(3.5)0.77%
PNC Bank0.02%(3.5)1.16%
Northwest Bank PA0.02%(3.5)0.39%
Amerifirst Home Mortgage0.02%(3.5)1.16%
Fifth Third Bank0.02%(3.5)1.93%
JPMorgan Chase Bank0.02%(3.5)0.39%
Fairway Independent Mortgage Corporation0.02%(3.5)3.47%
NVR Mortgage Finance Inc0.03%(3.5)5.41%
Gold Star Mortgage Financial Group0.03%(3.5)0.39%
Home Point Financial Corporation0.04%(3.5)1.93%
American Midwest Mortgage0.04%(3.5)6.18%
Nations Lending Corporation0.04%(3.5)0.77%
Flagstar Bank0.06%(3.0)0.77%
Freedom Mortgage Corporation0.07%(3.0)3.09%
Liberty Home Mortgage0.09%(3.0)1.54%
Quicken Loans0.10%(3.0)6.95%
Union Home Mortgage0.11%(3.0)9.27%
LendUS LLC0.12%(3.0)6.95%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.11%(4.0)4.93%
Flagstar Bank-0.06%(4.0)2.82%
Civista Bank-0.06%(4.0)1.41%
Carrington Mortgage Services-0.05%(4.0)8.45%
American Midwest Mortgage-0.05%(4.0)2.82%
LendUS LLC-0.05%(3.5)2.11%
Northwest Bank PA-0.04%(3.5)0.70%
Bank of England AR-0.04%(3.5)1.41%
Mid America Mortgage-0.04%(3.5)1.41%
Nations Lending Corporation-0.04%(3.5)3.52%
Fifth Third Bank-0.03%(3.5)0.70%
Home Point Financial Corporation-0.02%(3.5)2.11%
JPMorgan Chase Bank-0.01%(3.5)0.70%
Huntington National Bank0.00%(3.5)6.34%
Freedom Mortgage Corporation0.01%(3.5)5.63%
Mr. Cooper0.02%(3.5)4.93%
Quicken Loans0.10%(3.0)30.28%

* Data is compiled for the North Ridgeville, OH commuting zone area, which comprises of counties of Erie County, OH, Huron County, OH, and Lorain County, OH. This includes cities/towns/communities of North Ridgeville, OH as well as Elyria, OH, Lorain, OH, Avon Lake, OH, Avon, OH, Amherst, OH, Sandusky, OH, Norwalk, OH, LaGrange, OH, Grafton, OH, Huron, OH, Sheffield Lake, OH, Vermilion, OH, Berlin Heights, OH, Vermilion, OH, Oberlin, OH, Wellington, OH, Milan, OH, Sheffield, OH, South Amherst, OH, Beulah Beach, OH, Willard, OH, Castalia, OH, Wakeman, OH, Rochester, OH, Kipton, OH, Holiday Lakes, OH, Greenwich, OH, New London, OH, Monroeville, OH, and Bellevue, 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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