Top Mortgage Lenders in Toledo, OH

Which mortgage lender in the Toledo, 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 Toledo, 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 Toledo, OH area in terms of interest rate is Premier Bank, with an average “Rate Difference” of -0.21%. This means that, comparing similar borrowers, Premier Bank provided a -0.21% lower interest rate for its customers than other lenders in the area. Premier Bank has a market share of 3.5%. On the other hand, the most popular lender in the Toledo, OH area is Quicken Loans, with a larger market share of 12.0%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.14% compared to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed ranking of mortgage lenders in the Toledo, 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 Toledo, OH is Premier 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 Bank of America. 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 Toledo, OH

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Premier Bank-0.21%(4.5)3.51%
State Bank and Trust Company-0.14%(4.0)1.59%
Huntington National Bank-0.14%(4.0)11.65%
JPMorgan Chase Bank-0.13%(4.0)1.54%
Glass City Federal Credit Union-0.11%(4.0)0.69%
Fifth Third Bank-0.10%(4.0)8.71%
First Federal Lakewood-0.10%(4.0)1.60%
Superior Credit Union-0.10%(4.0)0.39%
Directions Credit Union-0.08%(4.0)1.42%
Ruoff Mortgage-0.07%(4.0)1.13%
First National Bank-0.06%(4.0)0.57%
The Union Bank Co-0.06%(4.0)0.30%
Bank of America-0.06%(4.0)0.49%
Wells Fargo Bank-0.05%(3.5)1.75%
Freedom Mortgage Corporation-0.05%(3.5)0.62%
Old National Bank-0.05%(3.5)0.38%
Navy Federal Credit Union-0.04%(3.5)0.61%
First Merchants Bank-0.04%(3.5)0.80%
Fairway Independent Mortgage Corporation-0.04%(3.5)2.72%
Farmers & Merchants State Bank-0.04%(3.5)0.50%
Genoa Banking Company-0.02%(3.5)2.90%
Equity Resources-0.01%(3.5)4.61%
Mid America Mortgage-0.01%(3.5)3.29%
Lakeview Loan Servicing0.01%(3.5)0.56%
Caliber Home Loans0.01%(3.5)1.32%
Gold Star Mortgage Financial Group0.01%(3.5)0.33%
Land Home Financial Services0.01%(3.5)0.35%
VanDyk Mortgage Corporation0.02%(3.5)0.87%
New American Funding0.04%(3.5)0.37%
Carrington Mortgage Services0.04%(3.5)0.64%
US Bank0.04%(3.5)1.42%
Sun Federal Credit Union0.05%(3.0)0.80%
PNC Bank0.05%(3.0)2.36%
GVC Mortgage0.07%(3.0)0.46%
Union Home Mortgage0.08%(3.0)6.93%
Mortgage 1 Inc0.09%(3.0)0.60%
Nations Lending Corporation0.12%(3.0)2.57%
Hometown Lenders0.14%(3.0)0.30%
Quicken Loans0.14%(3.0)12.01%
Hallmark Home Mortgage0.17%(2.5)1.17%
Flagstar Bank0.17%(2.5)1.18%
Mr. Cooper0.19%(2.5)0.94%
Amerifirst Home Mortgage0.37%(1.5)2.78%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.21%(4.5)11.17%
Premier Bank-0.17%(4.5)3.32%
JPMorgan Chase Bank-0.16%(4.5)1.57%
Superior Credit Union-0.13%(4.0)0.39%
Fifth Third Bank-0.13%(4.0)7.13%
Freedom Mortgage Corporation-0.12%(4.0)0.63%
Glass City Federal Credit Union-0.11%(4.0)0.69%
Bank of America-0.10%(4.0)0.40%
State Bank and Trust Company-0.09%(4.0)1.48%
Wells Fargo Bank-0.08%(4.0)2.13%
Ruoff Mortgage-0.08%(4.0)1.53%
The Union Bank Co-0.07%(4.0)0.39%
First National Bank-0.06%(4.0)0.46%
Directions Credit Union-0.05%(4.0)1.45%
Genoa Banking Company-0.05%(4.0)2.44%
First Merchants Bank-0.05%(4.0)0.67%
First Federal Lakewood-0.05%(3.5)1.65%
Navy Federal Credit Union-0.05%(3.5)0.79%
Old National Bank-0.04%(3.5)0.28%
Fairway Independent Mortgage Corporation-0.04%(3.5)3.80%
PNC Bank-0.02%(3.5)1.71%
Farmers & Merchants State Bank-0.01%(3.5)0.45%
Gold Star Mortgage Financial Group-0.00%(3.5)0.43%
Equity Resources0.00%(3.5)6.02%
Lakeview Loan Servicing0.01%(3.5)0.54%
Mid America Mortgage0.02%(3.5)3.46%
VanDyk Mortgage Corporation0.02%(3.5)1.36%
Caliber Home Loans0.03%(3.5)1.38%
Land Home Financial Services0.03%(3.5)0.43%
New American Funding0.04%(3.5)0.36%
US Bank0.05%(3.5)1.68%
Sun Federal Credit Union0.07%(3.0)0.49%
GVC Mortgage0.08%(3.0)0.67%
Mortgage 1 Inc0.11%(3.0)0.81%
Quicken Loans0.11%(3.0)7.77%
Carrington Mortgage Services0.11%(3.0)0.21%
Union Home Mortgage0.13%(3.0)8.52%
Hometown Lenders0.15%(3.0)0.25%
Mr. Cooper0.15%(3.0)0.49%
Nations Lending Corporation0.15%(3.0)2.50%
Hallmark Home Mortgage0.19%(2.5)1.68%
Flagstar Bank0.20%(2.5)1.54%
Amerifirst Home Mortgage0.40%(1.5)4.12%
Lender NameRate DifferenceRate RatingMarket Share
Premier Bank-0.27%(5.0)3.81%
State Bank and Trust Company-0.21%(4.5)1.77%
First Federal Lakewood-0.19%(4.5)1.53%
Glass City Federal Credit Union-0.12%(4.0)0.70%
Directions Credit Union-0.12%(4.0)1.36%
Equity Resources-0.09%(4.0)2.33%
Fifth Third Bank-0.08%(4.0)11.26%
JPMorgan Chase Bank-0.08%(4.0)1.48%
Farmers & Merchants State Bank-0.07%(4.0)0.58%
First National Bank-0.07%(4.0)0.75%
Union Home Mortgage-0.06%(4.0)4.34%
Superior Credit Union-0.05%(4.0)0.39%
Old National Bank-0.05%(4.0)0.53%
Mid America Mortgage-0.05%(3.5)3.01%
Huntington National Bank-0.03%(3.5)12.42%
Land Home Financial Services-0.03%(3.5)0.22%
First Merchants Bank-0.03%(3.5)0.99%
Fairway Independent Mortgage Corporation-0.03%(3.5)0.97%
Caliber Home Loans-0.02%(3.5)1.21%
Navy Federal Credit Union-0.02%(3.5)0.32%
Ruoff Mortgage-0.01%(3.5)0.49%
The Union Bank Co-0.01%(3.5)0.15%
Bank of America-0.01%(3.5)0.63%
Amerifirst Home Mortgage-0.01%(3.5)0.61%
Mortgage 1 Inc0.01%(3.5)0.27%
Lakeview Loan Servicing0.01%(3.5)0.58%
Genoa Banking Company0.01%(3.5)3.64%
Carrington Mortgage Services0.02%(3.5)1.33%
Hallmark Home Mortgage0.02%(3.5)0.34%
New American Funding0.03%(3.5)0.39%
US Bank0.03%(3.5)0.99%
Sun Federal Credit Union0.04%(3.5)1.29%
VanDyk Mortgage Corporation0.04%(3.5)0.07%
Flagstar Bank0.04%(3.5)0.58%
Wells Fargo Bank0.06%(3.0)1.14%
GVC Mortgage0.06%(3.0)0.12%
Freedom Mortgage Corporation0.09%(3.0)0.61%
Gold Star Mortgage Financial Group0.09%(3.0)0.17%
Nations Lending Corporation0.09%(3.0)2.69%
PNC Bank0.12%(3.0)3.42%
Hometown Lenders0.13%(3.0)0.36%
Quicken Loans0.17%(2.5)18.88%
Mr. Cooper0.20%(2.5)1.65%
Lender NameRate DifferenceRate RatingMarket Share
Premier Bank-0.21%(4.5)4.64%
State Bank and Trust Company-0.15%(4.0)1.97%
JPMorgan Chase Bank-0.14%(4.0)1.97%
Glass City Federal Credit Union-0.11%(4.0)0.92%
First Federal Lakewood-0.11%(4.0)1.94%
Fifth Third Bank-0.10%(4.0)10.40%
Superior Credit Union-0.10%(4.0)0.52%
Ruoff Mortgage-0.10%(4.0)1.18%
Directions Credit Union-0.08%(4.0)1.88%
The Union Bank Co-0.07%(4.0)0.34%
Fairway Independent Mortgage Corporation-0.06%(4.0)2.53%
First National Bank-0.06%(4.0)0.76%
Huntington National Bank-0.06%(4.0)12.47%
Bank of America-0.06%(4.0)0.63%
Wells Fargo Bank-0.05%(4.0)2.22%
Old National Bank-0.05%(3.5)0.50%
First Merchants Bank-0.04%(3.5)1.01%
Farmers & Merchants State Bank-0.04%(3.5)0.66%
Genoa Banking Company-0.02%(3.5)3.81%
Mid America Mortgage-0.01%(3.5)3.36%
Gold Star Mortgage Financial Group0.01%(3.5)0.34%
Land Home Financial Services0.02%(3.5)0.34%
Equity Resources0.02%(3.5)3.74%
VanDyk Mortgage Corporation0.03%(3.5)0.55%
New American Funding0.04%(3.5)0.20%
Freedom Mortgage Corporation0.05%(3.5)0.17%
US Bank0.05%(3.5)1.59%
Sun Federal Credit Union0.05%(3.0)1.05%
Lakeview Loan Servicing0.05%(3.0)0.38%
PNC Bank0.06%(3.0)2.97%
Mortgage 1 Inc0.06%(3.0)0.39%
Caliber Home Loans0.06%(3.0)0.78%
Union Home Mortgage0.07%(3.0)6.94%
Carrington Mortgage Services0.11%(3.0)0.12%
GVC Mortgage0.13%(3.0)0.27%
Navy Federal Credit Union0.13%(3.0)0.32%
Hometown Lenders0.13%(3.0)0.21%
Flagstar Bank0.14%(3.0)0.67%
Hallmark Home Mortgage0.18%(2.5)1.15%
Quicken Loans0.21%(2.5)10.35%
Mr. Cooper0.23%(2.5)0.52%
Nations Lending Corporation0.26%(2.0)1.41%
Amerifirst Home Mortgage0.26%(2.0)2.24%
Lender NameRate DifferenceRate RatingMarket Share
Premier Bank-0.17%(4.5)4.66%
JPMorgan Chase Bank-0.17%(4.5)2.11%
Superior Credit Union-0.13%(4.0)0.55%
Fifth Third Bank-0.12%(4.0)8.48%
Ruoff Mortgage-0.12%(4.0)1.62%
Bank of America-0.11%(4.0)0.55%
Glass City Federal Credit Union-0.11%(4.0)0.97%
State Bank and Trust Company-0.10%(4.0)1.90%
Huntington National Bank-0.09%(4.0)11.69%
Wells Fargo Bank-0.09%(4.0)2.85%
The Union Bank Co-0.09%(4.0)0.49%
Fairway Independent Mortgage Corporation-0.07%(4.0)3.69%
First National Bank-0.06%(4.0)0.65%
First Merchants Bank-0.06%(4.0)0.87%
Directions Credit Union-0.06%(4.0)2.05%
Genoa Banking Company-0.06%(4.0)3.44%
First Federal Lakewood-0.05%(4.0)2.05%
Old National Bank-0.04%(3.5)0.40%
PNC Bank-0.03%(3.5)2.17%
Gold Star Mortgage Financial Group-0.02%(3.5)0.44%
Farmers & Merchants State Bank-0.01%(3.5)0.63%
Mid America Mortgage0.01%(3.5)3.42%
Freedom Mortgage Corporation0.02%(3.5)0.17%
Land Home Financial Services0.03%(3.5)0.46%
VanDyk Mortgage Corporation0.03%(3.5)0.89%
New American Funding0.03%(3.5)0.15%
Mr. Cooper0.04%(3.5)0.08%
Equity Resources0.05%(3.5)5.02%
US Bank0.05%(3.0)1.90%
Caliber Home Loans0.06%(3.0)1.03%
Lakeview Loan Servicing0.06%(3.0)0.46%
Sun Federal Credit Union0.07%(3.0)0.70%
Mortgage 1 Inc0.08%(3.0)0.51%
Union Home Mortgage0.13%(3.0)8.44%
Hometown Lenders0.13%(3.0)0.19%
GVC Mortgage0.14%(3.0)0.38%
Navy Federal Credit Union0.16%(2.5)0.44%
Flagstar Bank0.18%(2.5)0.82%
Quicken Loans0.18%(2.5)6.71%
Hallmark Home Mortgage0.20%(2.5)1.73%
Amerifirst Home Mortgage0.30%(2.0)3.38%
Nations Lending Corporation0.31%(2.0)1.48%
Lender NameRate DifferenceRate RatingMarket Share
Premier Bank-0.26%(5.0)4.60%
State Bank and Trust Company-0.21%(4.5)2.08%
First Federal Lakewood-0.20%(4.5)1.79%
Glass City Federal Credit Union-0.12%(4.0)0.85%
Directions Credit Union-0.12%(4.0)1.64%
Equity Resources-0.10%(4.0)1.96%
Fifth Third Bank-0.08%(4.0)13.06%
JPMorgan Chase Bank-0.08%(4.0)1.79%
Farmers & Merchants State Bank-0.07%(4.0)0.70%
Union Home Mortgage-0.06%(4.0)4.86%
First National Bank-0.06%(4.0)0.91%
Superior Credit Union-0.05%(3.5)0.47%
Old National Bank-0.05%(3.5)0.64%
Mid America Mortgage-0.05%(3.5)3.28%
Land Home Financial Services-0.04%(3.5)0.18%
Fairway Independent Mortgage Corporation-0.03%(3.5)0.91%
First Merchants Bank-0.03%(3.5)1.20%
Huntington National Bank-0.02%(3.5)13.56%
Ruoff Mortgage-0.01%(3.5)0.56%
The Union Bank Co-0.01%(3.5)0.15%
Bank of America-0.01%(3.5)0.73%
Amerifirst Home Mortgage-0.01%(3.5)0.67%
Mortgage 1 Inc-0.00%(3.5)0.23%
Navy Federal Credit Union0.00%(3.5)0.15%
Genoa Banking Company0.01%(3.5)4.34%
Hallmark Home Mortgage0.03%(3.5)0.35%
Lakeview Loan Servicing0.03%(3.5)0.26%
US Bank0.04%(3.5)1.17%
Sun Federal Credit Union0.04%(3.5)1.55%
VanDyk Mortgage Corporation0.04%(3.5)0.09%
Flagstar Bank0.05%(3.5)0.47%
New American Funding0.05%(3.0)0.26%
Caliber Home Loans0.06%(3.0)0.44%
Wells Fargo Bank0.06%(3.0)1.35%
GVC Mortgage0.07%(3.0)0.12%
Freedom Mortgage Corporation0.08%(3.0)0.18%
Gold Star Mortgage Financial Group0.09%(3.0)0.21%
Carrington Mortgage Services0.11%(3.0)0.29%
PNC Bank0.12%(3.0)4.07%
Hometown Lenders0.13%(3.0)0.23%
Nations Lending Corporation0.18%(2.5)1.32%
Quicken Loans0.23%(2.5)15.41%
Mr. Cooper0.26%(2.0)1.11%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.53%(5.0)10.40%
Fifth Third Bank-0.17%(4.5)3.43%
Freedom Mortgage Corporation-0.10%(4.0)1.67%
First Federal Lakewood-0.07%(4.0)0.40%
Equity Resources-0.07%(4.0)7.12%
Lakeview Loan Servicing-0.04%(3.5)1.26%
State Bank and Trust Company-0.02%(3.5)0.51%
Caliber Home Loans-0.01%(3.5)2.63%
First Merchants Bank-0.01%(3.5)0.10%
Premier Bank-0.00%(3.5)0.05%
PNC Bank-0.00%(3.5)0.25%
Quicken Loans-0.00%(3.5)17.53%
The Union Bank Co0.00%(3.5)0.15%
Carrington Mortgage Services0.01%(3.5)2.22%
Mid America Mortgage0.01%(3.5)2.88%
VanDyk Mortgage Corporation0.02%(3.5)2.37%
US Bank0.02%(3.5)0.56%
Fairway Independent Mortgage Corporation0.02%(3.5)3.48%
Bank of America0.02%(3.5)0.05%
Ruoff Mortgage0.02%(3.5)1.06%
Navy Federal Credit Union0.02%(3.5)0.05%
Land Home Financial Services0.03%(3.5)0.25%
GVC Mortgage0.04%(3.5)1.16%
Nations Lending Corporation0.04%(3.5)7.47%
New American Funding0.04%(3.5)1.06%
Gold Star Mortgage Financial Group0.05%(3.5)0.35%
Wells Fargo Bank0.06%(3.0)0.15%
Mortgage 1 Inc0.13%(3.0)1.67%
Union Home Mortgage0.14%(3.0)7.37%
Hometown Lenders0.15%(2.5)0.76%
Mr. Cooper0.16%(2.5)2.58%
Hallmark Home Mortgage0.17%(2.5)1.36%
Flagstar Bank0.24%(2.5)2.93%
Amerifirst Home Mortgage0.61%(1.0)5.05%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.61%(5.0)11.29%
Freedom Mortgage Corporation-0.21%(4.5)1.39%
Fifth Third Bank-0.19%(4.5)3.96%
Lakeview Loan Servicing-0.09%(4.0)0.86%
Equity Resources-0.07%(4.0)8.59%
First Federal Lakewood-0.06%(4.0)0.53%
State Bank and Trust Company-0.02%(3.5)0.53%
Quicken Loans-0.01%(3.5)11.23%
First Merchants Bank-0.00%(3.5)0.13%
Caliber Home Loans0.00%(3.5)2.11%
The Union Bank Co0.00%(3.5)0.13%
Premier Bank0.00%(3.5)0.07%
PNC Bank0.00%(3.5)0.33%
Mid America Mortgage0.02%(3.5)3.43%
VanDyk Mortgage Corporation0.02%(3.5)3.10%
US Bank0.02%(3.5)0.66%
Fairway Independent Mortgage Corporation0.02%(3.5)4.10%
Bank of America0.03%(3.5)0.07%
Ruoff Mortgage0.03%(3.5)1.39%
Nations Lending Corporation0.04%(3.5)5.88%
GVC Mortgage0.04%(3.5)1.45%
Gold Star Mortgage Financial Group0.05%(3.0)0.46%
New American Funding0.06%(3.0)1.12%
Land Home Financial Services0.06%(3.0)0.20%
Wells Fargo Bank0.07%(3.0)0.20%
Carrington Mortgage Services0.12%(3.0)0.40%
Mortgage 1 Inc0.14%(3.0)1.98%
Union Home Mortgage0.15%(2.5)9.11%
Hometown Lenders0.16%(2.5)0.53%
Hallmark Home Mortgage0.18%(2.5)1.78%
Mr. Cooper0.18%(2.5)1.85%
Flagstar Bank0.25%(2.0)3.63%
Amerifirst Home Mortgage0.62%(1.0)6.54%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.15%(4.0)7.51%
Caliber Home Loans-0.03%(3.5)4.29%
Mid America Mortgage-0.03%(3.5)1.07%
Fifth Third Bank-0.03%(3.5)1.72%
Carrington Mortgage Services-0.02%(3.5)8.15%
Union Home Mortgage-0.02%(3.5)1.72%
State Bank and Trust Company-0.02%(3.5)0.43%
Land Home Financial Services-0.02%(3.5)0.43%
Equity Resources-0.01%(3.5)2.36%
Lakeview Loan Servicing-0.01%(3.5)2.58%
Fairway Independent Mortgage Corporation-0.01%(3.5)1.50%
New American Funding-0.01%(3.5)0.86%
US Bank-0.00%(3.5)0.21%
The Union Bank Co-0.00%(3.5)0.21%
Quicken Loans-0.00%(3.5)37.98%
Navy Federal Credit Union0.01%(3.5)0.21%
GVC Mortgage0.01%(3.5)0.21%
Amerifirst Home Mortgage0.02%(3.5)0.21%
Nations Lending Corporation0.02%(3.5)12.66%
Mortgage 1 Inc0.03%(3.5)0.64%
Flagstar Bank0.06%(3.0)0.64%
Freedom Mortgage Corporation0.08%(3.0)2.58%
Hometown Lenders0.13%(3.0)1.50%
Mr. Cooper0.14%(3.0)4.94%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.01%(3.5)3.12%
JPMorgan Chase Bank-0.01%(3.5)12.50%
Fifth Third Bank-0.01%(3.5)28.12%
Huntington National Bank-0.01%(3.5)12.50%
PNC Bank0.00%(3.5)6.25%
First Federal Lakewood0.01%(3.5)6.25%
Wells Fargo Bank0.01%(3.5)3.12%
Genoa Banking Company0.03%(3.5)6.25%
Flagstar Bank0.03%(3.5)3.12%
Lender NameRate DifferenceRate RatingMarket Share
JPMorgan Chase Bank-0.01%(3.5)22.22%
Huntington National Bank-0.01%(3.5)16.67%
Fifth Third Bank0.01%(3.5)22.22%
Wells Fargo Bank0.01%(3.5)5.56%
First Federal Lakewood0.01%(3.5)5.56%
Flagstar Bank0.03%(3.5)5.56%
Lender NameRate DifferenceRate RatingMarket Share
Fifth Third Bank-0.02%(3.5)35.71%
Bank of America-0.01%(3.5)7.14%
Huntington National Bank-0.00%(3.5)7.14%
First Federal Lakewood0.00%(3.5)7.14%
PNC Bank0.00%(3.5)14.29%
Genoa Banking Company0.03%(3.5)14.29%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.17%(4.5)6.16%
Caliber Home Loans-0.07%(4.0)4.11%
Equity Resources-0.05%(3.5)8.21%
Huntington National Bank-0.04%(3.5)4.90%
Freedom Mortgage Corporation-0.02%(3.5)3.16%
First Federal Lakewood-0.02%(3.5)0.79%
Land Home Financial Services-0.01%(3.5)0.79%
Fifth Third Bank-0.01%(3.5)2.37%
PNC Bank-0.01%(3.5)0.95%
First Merchants Bank-0.01%(3.5)0.32%
Union Home Mortgage-0.00%(3.5)5.69%
Wells Fargo Bank-0.00%(3.5)0.63%
State Bank and Trust Company0.00%(3.5)0.16%
Lakeview Loan Servicing0.00%(3.5)0.63%
New American Funding0.00%(3.5)0.47%
Mid America Mortgage0.01%(3.5)3.79%
Gold Star Mortgage Financial Group0.01%(3.5)0.16%
US Bank0.02%(3.5)1.90%
Nations Lending Corporation0.02%(3.5)2.37%
JPMorgan Chase Bank0.02%(3.5)0.16%
The Union Bank Co0.02%(3.5)0.16%
Hallmark Home Mortgage0.02%(3.5)0.79%
Ruoff Mortgage0.03%(3.5)0.79%
VanDyk Mortgage Corporation0.03%(3.5)0.32%
Fairway Independent Mortgage Corporation0.03%(3.5)3.00%
GVC Mortgage0.04%(3.5)0.79%
Flagstar Bank0.04%(3.5)2.05%
Carrington Mortgage Services0.09%(3.0)2.37%
Quicken Loans0.09%(3.0)16.75%
Mr. Cooper0.10%(3.0)1.26%
Amerifirst Home Mortgage0.11%(3.0)2.69%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.18%(4.5)7.88%
Freedom Mortgage Corporation-0.06%(4.0)3.20%
Huntington National Bank-0.02%(3.5)4.43%
Caliber Home Loans-0.02%(3.5)2.71%
Equity Resources-0.01%(3.5)8.37%
First Federal Lakewood-0.01%(3.5)0.99%
Land Home Financial Services-0.00%(3.5)0.99%
PNC Bank-0.00%(3.5)1.48%
Fifth Third Bank0.00%(3.5)2.46%
Wells Fargo Bank0.00%(3.5)0.74%
First Merchants Bank0.00%(3.5)0.49%
Union Home Mortgage0.00%(3.5)7.64%
Lakeview Loan Servicing0.01%(3.5)0.25%
State Bank and Trust Company0.01%(3.5)0.25%
Gold Star Mortgage Financial Group0.02%(3.5)0.25%
Mr. Cooper0.02%(3.5)0.25%
US Bank0.03%(3.5)2.96%
JPMorgan Chase Bank0.03%(3.5)0.25%
The Union Bank Co0.03%(3.5)0.25%
Ruoff Mortgage0.04%(3.5)0.99%
VanDyk Mortgage Corporation0.04%(3.5)0.49%
Mid America Mortgage0.04%(3.5)4.19%
Fairway Independent Mortgage Corporation0.04%(3.5)4.19%
Hallmark Home Mortgage0.05%(3.5)0.74%
GVC Mortgage0.05%(3.5)1.23%
Nations Lending Corporation0.06%(3.0)1.97%
Flagstar Bank0.06%(3.0)1.97%
Quicken Loans0.07%(3.0)7.64%
Carrington Mortgage Services0.12%(3.0)1.97%
Amerifirst Home Mortgage0.13%(3.0)3.94%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.12%(4.0)6.61%
Equity Resources-0.12%(4.0)7.93%
Huntington National Bank-0.08%(4.0)5.73%
Navy Federal Credit Union-0.06%(4.0)3.08%
Mid America Mortgage-0.06%(4.0)3.08%
Nations Lending Corporation-0.03%(3.5)3.08%
Fifth Third Bank-0.03%(3.5)2.20%
Land Home Financial Services-0.03%(3.5)0.44%
Lakeview Loan Servicing-0.02%(3.5)1.32%
New American Funding-0.02%(3.5)1.32%
First Federal Lakewood-0.01%(3.5)0.44%
Hallmark Home Mortgage-0.01%(3.5)0.88%
Union Home Mortgage-0.01%(3.5)2.20%
Amerifirst Home Mortgage-0.01%(3.5)0.44%
Wells Fargo Bank-0.00%(3.5)0.44%
Flagstar Bank0.01%(3.5)2.20%
Ruoff Mortgage0.01%(3.5)0.44%
Fairway Independent Mortgage Corporation0.01%(3.5)0.88%
Freedom Mortgage Corporation0.05%(3.5)3.08%
Carrington Mortgage Services0.05%(3.0)3.08%
Quicken Loans0.09%(3.0)33.04%
Mr. Cooper0.09%(3.0)3.08%

* Data is compiled for the Toledo, OH commuting zone area, which comprises of counties of Monroe County, MI, Lucas County, OH, Ottawa County, OH, Sandusky County, OH, and Wood County, OH. This includes cities/towns/communities of Toledo, OH as well as Sylvania, OH, Maumee, OH, Perrysburg, OH, Monroe, MI, Lambertville, MI, Bowling Green, OH, Oregon, OH, Temperance, MI, Holland, OH, Haskins, OH, Rossford, OH, South Monroe, MI, Dundee, MI, Whitehouse, OH, Port Clinton, OH, Waterville, OH, Estral Beach, MI, Ottawa Hills, OH, Millbury, OH, Stony Point, MI, Fremont, OH, Northwood, OH, Detroit Beach, MI, Maybee, MI, Elmore, OH, Bellevue, OH, Clyde, OH, Curtice, OH, Marblehead, OH, Carleton, MI, Petersburg, MI, Grand Rapids, OH, Luckey, OH, West Monroe, MI, Milan, MI, Genoa, OH, Bloomdale, OH, Walbridge, OH, Bradner, OH, Luna Pier, MI, North Baltimore, OH, South Rockwood, MI, Pemberville, OH, Woodville, OH, Neapolis, OH, Gibsonburg, OH, Ballville, OH, Swanton, OH, Curtice, OH, and Weston, 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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