Top Mortgage Lenders in Cincinnati, OH

Which mortgage lender in the Cincinnati, 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 Cincinnati, 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 Cincinnati, OH area in terms of interest rate is Third Federal Savings & Loan, with an average “Rate Difference” of -0.31%. This means that, comparing similar borrowers, Third Federal Savings & Loan provided a -0.31% lower interest rate for its customers than other lenders in the area. Third Federal Savings & Loan has a market share of 2.2%. On the other hand, the most popular lender in the Cincinnati, OH area is Union Savings Bank, with a larger market share of 10.7%. Union Savings Bank is also a relatively cheap lender, with a “Rate Difference” of -0.22% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Cincinnati, 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 Cincinnati, 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 Cincinnati, OH

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
Third Federal Savings & Loan	-0.31%	(5.0)	2.23%
myCUmortgage	-0.22%	(4.5)	0.24%
Union Savings Bank	-0.22%	(4.5)	10.72%
1st National Bank	-0.21%	(4.5)	1.52%
Guardian Savings Bank	-0.20%	(4.5)	5.40%
Victory Community Bank	-0.19%	(4.5)	1.89%
Prosperity Home Mortgage LLC	-0.17%	(4.5)	0.30%
Cinfed Federal Credit Union	-0.16%	(4.5)	0.47%
TCF Bank	-0.15%	(4.5)	0.49%
Superior Credit Union	-0.14%	(4.0)	0.13%
M/I Financial	-0.14%	(4.0)	0.51%
Victory Mortgage	-0.13%	(4.0)	0.59%
Civista Bank	-0.12%	(4.0)	0.16%
Huntington National Bank	-0.11%	(4.0)	4.58%
Bank of America	-0.10%	(4.0)	0.43%
Ruoff Mortgage	-0.09%	(4.0)	1.00%
General Electric Credit Union	-0.09%	(4.0)	0.41%
LCNB National Bank	-0.08%	(4.0)	0.23%
Provident Funding	-0.08%	(4.0)	0.27%
North Side Bank and Trust Co	-0.07%	(4.0)	0.20%
Navy Federal Credit Union	-0.07%	(4.0)	0.39%
Peoples Bank OH WY KY	-0.07%	(4.0)	0.68%
Central Bank KY	-0.07%	(4.0)	0.28%
WesBanco	-0.07%	(4.0)	0.49%
Wright-Patt Credit Union Inc	-0.06%	(4.0)	0.62%
JPMorgan Chase Bank	-0.06%	(4.0)	1.85%
Truist Bank	-0.04%	(3.5)	0.40%
Sirva Mortgage	-0.03%	(3.5)	0.09%
Telhio Credit Union	-0.03%	(3.5)	0.16%
Guaranteed Rate Affinity	-0.02%	(3.5)	0.63%
Mid America Mortgage	-0.02%	(3.5)	0.24%
Amerisave Mortgage Corporation	-0.02%	(3.5)	0.21%
Fifth Third Bank	-0.01%	(3.5)	6.72%
Lakeview Loan Servicing	-0.01%	(3.5)	0.21%
NBKC Bank	-0.01%	(3.5)	0.12%
USAA	-0.00%	(3.5)	0.70%
Keller Mortgage	-0.00%	(3.5)	0.11%
Sibcy Cline Mortgage Services	0.00%	(3.5)	1.36%
FirstBank TN	0.00%	(3.5)	0.07%
First Equity Mortgage	0.01%	(3.5)	0.92%
RoundPoint Mortgage Servicing Corporation	0.01%	(3.5)	0.11%
Guaranteed Rate	0.01%	(3.5)	3.23%
PennyMac Loan Services	0.02%	(3.5)	0.35%
Park National Bank	0.02%	(3.5)	0.33%
Home Point Financial Corporation	0.02%	(3.5)	0.16%
Planet Home Lending	0.02%	(3.5)	0.11%
Liberty Home Mortgage	0.02%	(3.5)	0.09%
Plaza Home Mortgage	0.02%	(3.5)	0.10%
The Union Bank Co	0.03%	(3.5)	0.11%
Stockton Mortgage	0.03%	(3.5)	0.56%
Wells Fargo Bank	0.03%	(3.5)	1.10%
Village Capital	0.04%	(3.5)	0.10%
Nations Direct Mortgage	0.04%	(3.5)	0.10%
Equity Resources	0.04%	(3.5)	0.68%
Barrington Bank & Trust	0.04%	(3.5)	0.08%
VanDyk Mortgage Corporation	0.04%	(3.5)	0.41%
US Bank	0.04%	(3.5)	3.87%
Land Home Financial Services	0.05%	(3.5)	0.27%
American Mortgage Service Company	0.05%	(3.5)	2.70%
AmCap Home Loans	0.05%	(3.5)	0.16%
Synergy One Lending	0.05%	(3.5)	0.11%
Regions Bank	0.05%	(3.5)	0.36%
New American Funding	0.05%	(3.0)	0.24%
Forcht Bank	0.05%	(3.0)	0.20%
Churchill Mortgage	0.05%	(3.0)	0.34%
Primary Residential Mortgage Inc	0.06%	(3.0)	0.08%
First Federal Bank of Florida	0.06%	(3.0)	0.08%
Flagstar Bank	0.06%	(3.0)	0.22%
1st Signature Lending	0.06%	(3.0)	0.08%
Caliber Home Loans	0.07%	(3.0)	2.44%
KeyBank	0.07%	(3.0)	0.40%
Reliance First Capital	0.07%	(3.0)	0.13%
Commonwealth Bank and Trust Company	0.07%	(3.0)	0.09%
HomeBridge Financial Services	0.07%	(3.0)	0.08%
Liberty Savings Bank	0.08%	(3.0)	0.19%
RiverHills Bank	0.08%	(3.0)	0.58%
Gateway First Bank	0.08%	(3.0)	0.13%
Bayshore Mortgage Funding	0.08%	(3.0)	0.99%
Northpointe Bank	0.08%	(3.0)	0.14%
Guaranty Home Mortgage Corporation	0.08%	(3.0)	0.48%
AnnieMac Home Mortgage	0.08%	(3.0)	0.96%
Warsaw Bank	0.09%	(3.0)	0.14%
Bank of England AR	0.09%	(3.0)	0.36%
NewRez	0.09%	(3.0)	0.24%
Carrington Mortgage Services	0.09%	(3.0)	0.69%
United Mortgage Corp	0.09%	(3.0)	0.21%
PNC Bank	0.09%	(3.0)	2.23%
loanDepot	0.10%	(3.0)	0.98%
Freedom Mortgage Corporation	0.10%	(3.0)	0.40%
HomeServices Lending	0.10%	(3.0)	0.29%
Union Home Mortgage	0.11%	(3.0)	1.27%
Movement Mortgage	0.11%	(3.0)	0.11%
First Financial Bank	0.12%	(3.0)	1.58%
NVR Mortgage Finance Inc	0.12%	(3.0)	1.13%
Nations Lending Corporation	0.13%	(3.0)	0.10%
Merchants National Bank	0.13%	(3.0)	0.10%
First State Bank OH	0.13%	(3.0)	0.27%
Option Financial	0.13%	(3.0)	0.16%
First Home Bank	0.13%	(3.0)	0.10%
Fairway Independent Mortgage Corporation	0.15%	(3.0)	1.34%
The Federal Savings Bank	0.15%	(3.0)	0.18%
Polaris Home Funding Corp	0.15%	(2.5)	0.61%
Western Ohio Mortgage	0.16%	(2.5)	0.28%
Homeside Financial	0.16%	(2.5)	0.15%
Waterstone Mortgage Corporation	0.18%	(2.5)	0.09%
PrimeLending	0.18%	(2.5)	2.48%
Royal United Mortgage	0.18%	(2.5)	0.13%
Finance of America Mortgage	0.18%	(2.5)	0.37%
Farm Credit Mid-America	0.19%	(2.5)	0.14%
Cardinal Financial Company	0.19%	(2.5)	0.70%
PRMG Mortgage	0.21%	(2.5)	0.45%
Quicken Loans	0.21%	(2.5)	5.61%
Rapid Mortgage Company	0.21%	(2.5)	1.10%
DAS Acquisition Company	0.25%	(2.0)	0.73%
AurGroup Finanical Credit Union	0.26%	(2.0)	0.27%
First Savings Bank	0.27%	(2.0)	0.28%
Amerifirst Home Mortgage	0.29%	(2.0)	0.50%
Nations Reliable Lending	0.31%	(2.0)	1.38%
Mr. Cooper	0.32%	(2.0)	0.99%
NewDay USA	0.40%	(1.5)	0.16%
Summit Funding Inc	0.41%	(1.5)	0.71%

Lender Name	Rate Difference	Rate Rating	Market Share
Third Federal Savings & Loan	-0.34%	(5.0)	2.77%
myCUmortgage	-0.28%	(5.0)	0.34%
Victory Community Bank	-0.23%	(4.5)	2.53%
Prosperity Home Mortgage LLC	-0.19%	(4.5)	0.45%
TCF Bank	-0.19%	(4.5)	0.47%
Union Savings Bank	-0.17%	(4.5)	6.00%
Civista Bank	-0.15%	(4.5)	0.22%
Bank of America	-0.15%	(4.0)	0.44%
JPMorgan Chase Bank	-0.15%	(4.0)	1.76%
Victory Mortgage	-0.15%	(4.0)	0.93%
Huntington National Bank	-0.14%	(4.0)	4.43%
Guardian Savings Bank	-0.14%	(4.0)	3.17%
M/I Financial	-0.14%	(4.0)	0.87%
Fifth Third Bank	-0.14%	(4.0)	5.62%
US Bank	-0.14%	(4.0)	3.33%
1st National Bank	-0.13%	(4.0)	1.38%
PNC Bank	-0.12%	(4.0)	1.78%
Peoples Bank OH WY KY	-0.11%	(4.0)	0.78%
Ruoff Mortgage	-0.11%	(4.0)	1.20%
Wright-Patt Credit Union Inc	-0.10%	(4.0)	0.62%
WesBanco	-0.10%	(4.0)	0.56%
Telhio Credit Union	-0.09%	(4.0)	0.12%
Freedom Mortgage Corporation	-0.09%	(4.0)	0.20%
Cinfed Federal Credit Union	-0.08%	(4.0)	0.13%
Navy Federal Credit Union	-0.08%	(4.0)	0.55%
Wells Fargo Bank	-0.07%	(4.0)	1.18%
Superior Credit Union	-0.07%	(4.0)	0.07%
Truist Bank	-0.07%	(4.0)	0.36%
LCNB National Bank	-0.07%	(4.0)	0.11%
Lakeview Loan Servicing	-0.07%	(4.0)	0.07%
Provident Funding	-0.06%	(4.0)	0.18%
North Side Bank and Trust Co	-0.04%	(3.5)	0.15%
Sirva Mortgage	-0.04%	(3.5)	0.16%
General Electric Credit Union	-0.04%	(3.5)	0.14%
Central Bank KY	-0.03%	(3.5)	0.23%
Guaranteed Rate Affinity	-0.03%	(3.5)	1.01%
Mid America Mortgage	-0.02%	(3.5)	0.32%
PennyMac Loan Services	-0.02%	(3.5)	0.11%
NBKC Bank	-0.02%	(3.5)	0.12%
Keller Mortgage	-0.01%	(3.5)	0.16%
The Union Bank Co	-0.01%	(3.5)	0.09%
Park National Bank	-0.01%	(3.5)	0.33%
First Federal Bank of Florida	-0.00%	(3.5)	0.02%
Sibcy Cline Mortgage Services	-0.00%	(3.5)	2.07%
First Equity Mortgage	0.00%	(3.5)	1.58%
KeyBank	0.00%	(3.5)	0.35%
USAA	0.01%	(3.5)	0.92%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.02%
Plaza Home Mortgage	0.01%	(3.5)	0.14%
Liberty Home Mortgage	0.02%	(3.5)	0.13%
Forcht Bank	0.02%	(3.5)	0.18%
FirstBank TN	0.02%	(3.5)	0.04%
Reliance First Capital	0.02%	(3.5)	0.01%
RoundPoint Mortgage Servicing Corporation	0.02%	(3.5)	0.00%
Home Point Financial Corporation	0.02%	(3.5)	0.12%
The Federal Savings Bank	0.02%	(3.5)	0.03%
Guaranteed Rate	0.03%	(3.5)	4.38%
New American Funding	0.03%	(3.5)	0.19%
HomeBridge Financial Services	0.03%	(3.5)	0.03%
VanDyk Mortgage Corporation	0.03%	(3.5)	0.57%
Churchill Mortgage	0.03%	(3.5)	0.43%
Planet Home Lending	0.03%	(3.5)	0.09%
Nations Direct Mortgage	0.03%	(3.5)	0.13%
1st Signature Lending	0.04%	(3.5)	0.07%
Merchants National Bank	0.04%	(3.5)	0.06%
Barrington Bank & Trust	0.04%	(3.5)	0.11%
Land Home Financial Services	0.04%	(3.5)	0.35%
Nations Lending Corporation	0.04%	(3.5)	0.02%
Liberty Savings Bank	0.04%	(3.5)	0.18%
Regions Bank	0.04%	(3.5)	0.56%
American Mortgage Service Company	0.05%	(3.5)	3.72%
NewDay USA	0.05%	(3.5)	0.02%
Stockton Mortgage	0.05%	(3.0)	0.71%
United Mortgage Corp	0.05%	(3.0)	0.10%
Equity Resources	0.06%	(3.0)	0.89%
AmCap Home Loans	0.06%	(3.0)	0.19%
Primary Residential Mortgage Inc	0.06%	(3.0)	0.11%
Synergy One Lending	0.07%	(3.0)	0.03%
Commonwealth Bank and Trust Company	0.07%	(3.0)	0.10%
Homeside Financial	0.08%	(3.0)	0.11%
Caliber Home Loans	0.08%	(3.0)	3.04%
Guaranty Home Mortgage Corporation	0.09%	(3.0)	0.42%
Bayshore Mortgage Funding	0.09%	(3.0)	1.37%
Warsaw Bank	0.09%	(3.0)	0.16%
RiverHills Bank	0.09%	(3.0)	0.78%
Bank of England AR	0.10%	(3.0)	0.46%
Flagstar Bank	0.10%	(3.0)	0.19%
HomeServices Lending	0.10%	(3.0)	0.48%
Northpointe Bank	0.11%	(3.0)	0.12%
AnnieMac Home Mortgage	0.11%	(3.0)	1.36%
Gateway First Bank	0.11%	(3.0)	0.16%
Quicken Loans	0.11%	(3.0)	3.24%
Royal United Mortgage	0.11%	(3.0)	0.09%
loanDepot	0.12%	(3.0)	0.54%
First Financial Bank	0.12%	(3.0)	1.72%
NVR Mortgage Finance Inc	0.12%	(3.0)	1.93%
Movement Mortgage	0.13%	(3.0)	0.16%
NewRez	0.14%	(3.0)	0.12%
Option Financial	0.15%	(3.0)	0.24%
Union Home Mortgage	0.15%	(3.0)	1.54%
Fairway Independent Mortgage Corporation	0.15%	(2.5)	1.89%
First State Bank OH	0.15%	(2.5)	0.32%
First Home Bank	0.16%	(2.5)	0.13%
Western Ohio Mortgage	0.18%	(2.5)	0.37%
Waterstone Mortgage Corporation	0.18%	(2.5)	0.15%
Polaris Home Funding Corp	0.19%	(2.5)	0.78%
PrimeLending	0.19%	(2.5)	3.57%
Finance of America Mortgage	0.19%	(2.5)	0.54%
Carrington Mortgage Services	0.21%	(2.5)	0.26%
Cardinal Financial Company	0.22%	(2.5)	0.98%
Rapid Mortgage Company	0.22%	(2.5)	1.71%
Farm Credit Mid-America	0.22%	(2.5)	0.19%
DAS Acquisition Company	0.26%	(2.0)	1.20%
PRMG Mortgage	0.26%	(2.0)	0.57%
First Savings Bank	0.28%	(2.0)	0.24%
Mr. Cooper	0.30%	(2.0)	0.68%
AurGroup Finanical Credit Union	0.31%	(2.0)	0.27%
Amerifirst Home Mortgage	0.33%	(2.0)	0.71%
Nations Reliable Lending	0.35%	(1.5)	1.91%
Summit Funding Inc	0.44%	(1.5)	1.13%

Lender Name	Rate Difference	Rate Rating	Market Share
1st National Bank	-0.30%	(5.0)	1.71%
Union Savings Bank	-0.24%	(4.5)	17.35%
Third Federal Savings & Loan	-0.23%	(4.5)	1.47%
Guardian Savings Bank	-0.22%	(4.5)	8.52%
Superior Credit Union	-0.17%	(4.5)	0.22%
Cinfed Federal Credit Union	-0.17%	(4.5)	0.95%
TCF Bank	-0.10%	(4.0)	0.52%
North Side Bank and Trust Co	-0.10%	(4.0)	0.28%
Central Bank KY	-0.10%	(4.0)	0.35%
General Electric Credit Union	-0.10%	(4.0)	0.78%
Provident Funding	-0.09%	(4.0)	0.40%
Victory Community Bank	-0.09%	(4.0)	0.99%
LCNB National Bank	-0.08%	(4.0)	0.41%
Huntington National Bank	-0.07%	(4.0)	4.79%
Guaranteed Rate	-0.06%	(4.0)	1.60%
Ruoff Mortgage	-0.06%	(4.0)	0.73%
USAA	-0.05%	(4.0)	0.40%
Stockton Mortgage	-0.04%	(3.5)	0.36%
AnnieMac Home Mortgage	-0.03%	(3.5)	0.41%
Bank of America	-0.03%	(3.5)	0.41%
Prosperity Home Mortgage LLC	-0.02%	(3.5)	0.08%
Navy Federal Credit Union	-0.02%	(3.5)	0.16%
Equity Resources	-0.02%	(3.5)	0.39%
Mid America Mortgage	-0.02%	(3.5)	0.13%
Amerisave Mortgage Corporation	-0.01%	(3.5)	0.48%
Sibcy Cline Mortgage Services	-0.01%	(3.5)	0.36%
WesBanco	-0.01%	(3.5)	0.39%
Wright-Patt Credit Union Inc	-0.01%	(3.5)	0.64%
Truist Bank	-0.01%	(3.5)	0.45%
Victory Mortgage	-0.00%	(3.5)	0.12%
FirstBank TN	-0.00%	(3.5)	0.13%
Peoples Bank OH WY KY	0.01%	(3.5)	0.54%
First Equity Mortgage	0.01%	(3.5)	0.01%
Lakeview Loan Servicing	0.01%	(3.5)	0.42%
NBKC Bank	0.01%	(3.5)	0.13%
Gateway First Bank	0.01%	(3.5)	0.09%
Union Home Mortgage	0.01%	(3.5)	0.89%
Planet Home Lending	0.01%	(3.5)	0.14%
AmCap Home Loans	0.01%	(3.5)	0.11%
RoundPoint Mortgage Servicing Corporation	0.01%	(3.5)	0.26%
Flagstar Bank	0.01%	(3.5)	0.25%
Caliber Home Loans	0.01%	(3.5)	1.60%
Option Financial	0.02%	(3.5)	0.05%
Primary Residential Mortgage Inc	0.02%	(3.5)	0.04%
Telhio Credit Union	0.02%	(3.5)	0.22%
RiverHills Bank	0.02%	(3.5)	0.31%
Home Point Financial Corporation	0.02%	(3.5)	0.21%
Guaranteed Rate Affinity	0.02%	(3.5)	0.09%
Keller Mortgage	0.03%	(3.5)	0.03%
PennyMac Loan Services	0.03%	(3.5)	0.68%
Liberty Home Mortgage	0.03%	(3.5)	0.02%
Movement Mortgage	0.03%	(3.5)	0.04%
Civista Bank	0.03%	(3.5)	0.06%
American Mortgage Service Company	0.03%	(3.5)	1.26%
Nations Direct Mortgage	0.03%	(3.5)	0.06%
myCUmortgage	0.04%	(3.5)	0.09%
Bayshore Mortgage Funding	0.04%	(3.5)	0.46%
First Home Bank	0.04%	(3.5)	0.06%
Village Capital	0.04%	(3.5)	0.25%
Barrington Bank & Trust	0.04%	(3.5)	0.04%
Amerifirst Home Mortgage	0.05%	(3.5)	0.21%
Land Home Financial Services	0.05%	(3.5)	0.15%
PRMG Mortgage	0.05%	(3.5)	0.28%
Polaris Home Funding Corp	0.05%	(3.5)	0.36%
Synergy One Lending	0.05%	(3.5)	0.23%
Park National Bank	0.05%	(3.0)	0.32%
HomeServices Lending	0.05%	(3.0)	0.02%
JPMorgan Chase Bank	0.06%	(3.0)	1.97%
Summit Funding Inc	0.06%	(3.0)	0.11%
The Union Bank Co	0.06%	(3.0)	0.15%
DAS Acquisition Company	0.06%	(3.0)	0.07%
Regions Bank	0.06%	(3.0)	0.09%
Northpointe Bank	0.06%	(3.0)	0.17%
Plaza Home Mortgage	0.06%	(3.0)	0.03%
Farm Credit Mid-America	0.06%	(3.0)	0.07%
Carrington Mortgage Services	0.07%	(3.0)	1.30%
Cardinal Financial Company	0.07%	(3.0)	0.30%
Warsaw Bank	0.07%	(3.0)	0.10%
New American Funding	0.07%	(3.0)	0.32%
Bank of England AR	0.07%	(3.0)	0.23%
Commonwealth Bank and Trust Company	0.07%	(3.0)	0.08%
First State Bank OH	0.07%	(3.0)	0.19%
First Federal Bank of Florida	0.07%	(3.0)	0.17%
Waterstone Mortgage Corporation	0.07%	(3.0)	0.02%
Reliance First Capital	0.08%	(3.0)	0.31%
NewRez	0.08%	(3.0)	0.42%
Guaranty Home Mortgage Corporation	0.08%	(3.0)	0.56%
Nations Reliable Lending	0.08%	(3.0)	0.62%
1st Signature Lending	0.09%	(3.0)	0.10%
HomeBridge Financial Services	0.09%	(3.0)	0.16%
Forcht Bank	0.09%	(3.0)	0.22%
VanDyk Mortgage Corporation	0.09%	(3.0)	0.19%
loanDepot	0.10%	(3.0)	1.59%
Western Ohio Mortgage	0.10%	(3.0)	0.14%
Fairway Independent Mortgage Corporation	0.10%	(3.0)	0.56%
Churchill Mortgage	0.11%	(3.0)	0.22%
Fifth Third Bank	0.11%	(3.0)	8.27%
United Mortgage Corp	0.11%	(3.0)	0.36%
Liberty Savings Bank	0.12%	(3.0)	0.21%
Finance of America Mortgage	0.12%	(3.0)	0.12%
First Financial Bank	0.12%	(3.0)	1.39%
Rapid Mortgage Company	0.13%	(3.0)	0.25%
PrimeLending	0.13%	(3.0)	0.94%
KeyBank	0.14%	(3.0)	0.46%
Nations Lending Corporation	0.15%	(3.0)	0.19%
The Federal Savings Bank	0.17%	(2.5)	0.40%
Merchants National Bank	0.18%	(2.5)	0.17%
Freedom Mortgage Corporation	0.19%	(2.5)	0.66%
AurGroup Finanical Credit Union	0.20%	(2.5)	0.28%
Wells Fargo Bank	0.21%	(2.5)	0.98%
Royal United Mortgage	0.23%	(2.5)	0.18%
US Bank	0.23%	(2.5)	4.64%
Homeside Financial	0.23%	(2.5)	0.21%
First Savings Bank	0.26%	(2.0)	0.34%
Quicken Loans	0.27%	(2.0)	8.94%
PNC Bank	0.29%	(2.0)	2.87%
Mr. Cooper	0.34%	(2.0)	1.42%
NewDay USA	0.44%	(1.5)	0.34%

Lender Name	Rate Difference	Rate Rating	Market Share
Third Federal Savings & Loan	-0.30%	(5.0)	2.96%
Union Savings Bank	-0.21%	(4.5)	13.14%
1st National Bank	-0.21%	(4.5)	1.84%
Prosperity Home Mortgage LLC	-0.19%	(4.5)	0.31%
Guardian Savings Bank	-0.18%	(4.5)	6.64%
Victory Community Bank	-0.18%	(4.5)	2.08%
TCF Bank	-0.15%	(4.5)	0.48%
Cinfed Federal Credit Union	-0.15%	(4.0)	0.63%
M/I Financial	-0.14%	(4.0)	0.63%
Superior Credit Union	-0.13%	(4.0)	0.18%
Victory Mortgage	-0.13%	(4.0)	0.61%
Civista Bank	-0.12%	(4.0)	0.18%
Ruoff Mortgage	-0.11%	(4.0)	1.00%
Bank of America	-0.10%	(4.0)	0.51%
General Electric Credit Union	-0.09%	(4.0)	0.50%
LCNB National Bank	-0.07%	(4.0)	0.31%
Provident Funding	-0.07%	(4.0)	0.36%
Huntington National Bank	-0.07%	(4.0)	5.10%
North Side Bank and Trust Co	-0.07%	(4.0)	0.27%
Central Bank KY	-0.07%	(4.0)	0.35%
Wright-Patt Credit Union Inc	-0.06%	(4.0)	0.77%
JPMorgan Chase Bank	-0.05%	(4.0)	2.40%
WesBanco	-0.05%	(4.0)	0.52%
Peoples Bank OH WY KY	-0.05%	(3.5)	0.75%
Truist Bank	-0.04%	(3.5)	0.47%
Sirva Mortgage	-0.03%	(3.5)	0.10%
Telhio Credit Union	-0.02%	(3.5)	0.22%
Guaranteed Rate Affinity	-0.02%	(3.5)	0.59%
Amerisave Mortgage Corporation	-0.01%	(3.5)	0.24%
Guaranteed Rate	0.00%	(3.5)	3.45%
Keller Mortgage	0.00%	(3.5)	0.13%
FirstBank TN	0.01%	(3.5)	0.07%
NBKC Bank	0.01%	(3.5)	0.09%
Fifth Third Bank	0.02%	(3.5)	7.94%
RoundPoint Mortgage Servicing Corporation	0.02%	(3.5)	0.10%
Planet Home Lending	0.02%	(3.5)	0.08%
Park National Bank	0.03%	(3.5)	0.40%
First Equity Mortgage	0.03%	(3.5)	1.03%
Equity Resources	0.03%	(3.5)	0.52%
Stockton Mortgage	0.03%	(3.5)	0.49%
Mid America Mortgage	0.03%	(3.5)	0.04%
The Federal Savings Bank	0.04%	(3.5)	0.01%
Home Point Financial Corporation	0.05%	(3.5)	0.05%
First Federal Bank of Florida	0.05%	(3.5)	0.05%
Wells Fargo Bank	0.05%	(3.5)	1.28%
1st Signature Lending	0.05%	(3.5)	0.02%
Barrington Bank & Trust	0.05%	(3.5)	0.03%
Synergy One Lending	0.05%	(3.0)	0.06%
AmCap Home Loans	0.05%	(3.0)	0.08%
Plaza Home Mortgage	0.06%	(3.0)	0.01%
Forcht Bank	0.06%	(3.0)	0.24%
Nations Lending Corporation	0.06%	(3.0)	0.02%
US Bank	0.06%	(3.0)	4.60%
The Union Bank Co	0.07%	(3.0)	0.08%
HomeBridge Financial Services	0.07%	(3.0)	0.01%
myCUmortgage	0.07%	(3.0)	0.05%
RiverHills Bank	0.08%	(3.0)	0.60%
Sibcy Cline Mortgage Services	0.08%	(3.0)	1.35%
KeyBank	0.08%	(3.0)	0.49%
Land Home Financial Services	0.08%	(3.0)	0.21%
Liberty Home Mortgage	0.08%	(3.0)	0.03%
USAA	0.08%	(3.0)	0.33%
Bayshore Mortgage Funding	0.08%	(3.0)	0.75%
Gateway First Bank	0.09%	(3.0)	0.11%
VanDyk Mortgage Corporation	0.09%	(3.0)	0.31%
Primary Residential Mortgage Inc	0.09%	(3.0)	0.05%
Warsaw Bank	0.10%	(3.0)	0.12%
Bank of England AR	0.10%	(3.0)	0.30%
Liberty Savings Bank	0.10%	(3.0)	0.23%
Nations Direct Mortgage	0.10%	(3.0)	0.02%
Commonwealth Bank and Trust Company	0.10%	(3.0)	0.08%
Regions Bank	0.11%	(3.0)	0.37%
New American Funding	0.11%	(3.0)	0.17%
Flagstar Bank	0.11%	(3.0)	0.15%
Churchill Mortgage	0.11%	(3.0)	0.33%
American Mortgage Service Company	0.11%	(3.0)	2.29%
Northpointe Bank	0.11%	(3.0)	0.14%
Lakeview Loan Servicing	0.11%	(3.0)	0.03%
PennyMac Loan Services	0.12%	(3.0)	0.18%
HomeServices Lending	0.12%	(3.0)	0.30%
PNC Bank	0.13%	(3.0)	2.68%
NewRez	0.13%	(3.0)	0.24%
Fairway Independent Mortgage Corporation	0.14%	(3.0)	0.97%
Merchants National Bank	0.14%	(3.0)	0.14%
First State Bank OH	0.14%	(3.0)	0.36%
NVR Mortgage Finance Inc	0.14%	(3.0)	1.05%
Reliance First Capital	0.14%	(3.0)	0.06%
Polaris Home Funding Corp	0.14%	(3.0)	0.19%
AnnieMac Home Mortgage	0.14%	(3.0)	0.59%
Caliber Home Loans	0.15%	(3.0)	1.81%
First Home Bank	0.15%	(3.0)	0.04%
Finance of America Mortgage	0.15%	(2.5)	0.25%
First Financial Bank	0.15%	(2.5)	1.85%
Carrington Mortgage Services	0.16%	(2.5)	0.16%
PRMG Mortgage	0.16%	(2.5)	0.24%
loanDepot	0.16%	(2.5)	0.67%
United Mortgage Corp	0.17%	(2.5)	0.13%
Guaranty Home Mortgage Corporation	0.17%	(2.5)	0.42%
Western Ohio Mortgage	0.17%	(2.5)	0.22%
Cardinal Financial Company	0.18%	(2.5)	0.47%
Union Home Mortgage	0.18%	(2.5)	1.13%
Movement Mortgage	0.18%	(2.5)	0.09%
PrimeLending	0.19%	(2.5)	2.43%
Waterstone Mortgage Corporation	0.22%	(2.5)	0.07%
Farm Credit Mid-America	0.22%	(2.5)	0.16%
DAS Acquisition Company	0.23%	(2.5)	0.43%
Royal United Mortgage	0.24%	(2.5)	0.12%
Freedom Mortgage Corporation	0.24%	(2.5)	0.09%
Rapid Mortgage Company	0.24%	(2.5)	0.78%
Nations Reliable Lending	0.24%	(2.5)	0.95%
Navy Federal Credit Union	0.25%	(2.5)	0.18%
Amerifirst Home Mortgage	0.25%	(2.0)	0.44%
Option Financial	0.26%	(2.0)	0.09%
Homeside Financial	0.26%	(2.0)	0.09%
AurGroup Finanical Credit Union	0.27%	(2.0)	0.36%
Quicken Loans	0.34%	(2.0)	4.86%
First Savings Bank	0.35%	(1.5)	0.27%
Summit Funding Inc	0.36%	(1.5)	0.54%
Mr. Cooper	0.46%	(1.0)	0.37%

Lender Name	Rate Difference	Rate Rating	Market Share
Third Federal Savings & Loan	-0.34%	(5.0)	3.95%
Victory Community Bank	-0.21%	(4.5)	2.88%
Prosperity Home Mortgage LLC	-0.21%	(4.5)	0.50%
TCF Bank	-0.18%	(4.5)	0.50%
Civista Bank	-0.16%	(4.5)	0.28%
Bank of America	-0.16%	(4.5)	0.55%
Victory Mortgage	-0.15%	(4.0)	1.01%
JPMorgan Chase Bank	-0.15%	(4.0)	2.43%
M/I Financial	-0.14%	(4.0)	1.15%
Union Savings Bank	-0.14%	(4.0)	6.94%
Ruoff Mortgage	-0.14%	(4.0)	1.21%
US Bank	-0.13%	(4.0)	4.01%
Fifth Third Bank	-0.11%	(4.0)	6.66%
1st National Bank	-0.11%	(4.0)	1.67%
PNC Bank	-0.11%	(4.0)	2.15%
Wright-Patt Credit Union Inc	-0.10%	(4.0)	0.82%
Guardian Savings Bank	-0.09%	(4.0)	3.72%
Telhio Credit Union	-0.08%	(4.0)	0.18%
Peoples Bank OH WY KY	-0.08%	(4.0)	0.86%
Huntington National Bank	-0.08%	(4.0)	4.94%
WesBanco	-0.08%	(4.0)	0.62%
Cinfed Federal Credit Union	-0.08%	(4.0)	0.19%
Wells Fargo Bank	-0.07%	(4.0)	1.40%
Truist Bank	-0.07%	(4.0)	0.47%
Superior Credit Union	-0.06%	(4.0)	0.11%
LCNB National Bank	-0.06%	(4.0)	0.15%
Provident Funding	-0.05%	(3.5)	0.26%
Sirva Mortgage	-0.04%	(3.5)	0.18%
General Electric Credit Union	-0.03%	(3.5)	0.20%
North Side Bank and Trust Co	-0.03%	(3.5)	0.22%
Central Bank KY	-0.03%	(3.5)	0.29%
Guaranteed Rate Affinity	-0.02%	(3.5)	1.01%
Keller Mortgage	-0.00%	(3.5)	0.21%
Park National Bank	0.00%	(3.5)	0.41%
NBKC Bank	0.00%	(3.5)	0.09%
First Federal Bank of Florida	0.00%	(3.5)	0.02%
Planet Home Lending	0.01%	(3.5)	0.08%
KeyBank	0.01%	(3.5)	0.45%
Mid America Mortgage	0.02%	(3.5)	0.05%
Guaranteed Rate	0.02%	(3.5)	4.92%
Amerisave Mortgage Corporation	0.02%	(3.5)	0.02%
First Equity Mortgage	0.03%	(3.5)	1.88%
Forcht Bank	0.03%	(3.5)	0.25%
The Union Bank Co	0.03%	(3.5)	0.06%
RoundPoint Mortgage Servicing Corporation	0.03%	(3.5)	0.01%
FirstBank TN	0.03%	(3.5)	0.04%
1st Signature Lending	0.03%	(3.5)	0.01%
PennyMac Loan Services	0.04%	(3.5)	0.08%
Merchants National Bank	0.05%	(3.5)	0.09%
Plaza Home Mortgage	0.05%	(3.5)	0.01%
Freedom Mortgage Corporation	0.05%	(3.0)	0.03%
Home Point Financial Corporation	0.05%	(3.0)	0.04%
Nations Lending Corporation	0.05%	(3.0)	0.01%
Barrington Bank & Trust	0.05%	(3.0)	0.04%
myCUmortgage	0.05%	(3.0)	0.04%
Equity Resources	0.06%	(3.0)	0.66%
Carrington Mortgage Services	0.07%	(3.0)	0.02%
New American Funding	0.07%	(3.0)	0.10%
Liberty Savings Bank	0.07%	(3.0)	0.22%
Stockton Mortgage	0.07%	(3.0)	0.62%
AmCap Home Loans	0.07%	(3.0)	0.09%
HomeBridge Financial Services	0.07%	(3.0)	0.02%
Homeside Financial	0.08%	(3.0)	0.05%
VanDyk Mortgage Corporation	0.08%	(3.0)	0.43%
Liberty Home Mortgage	0.08%	(3.0)	0.06%
Synergy One Lending	0.08%	(3.0)	0.04%
USAA	0.08%	(3.0)	0.47%
United Mortgage Corp	0.09%	(3.0)	0.05%
Sibcy Cline Mortgage Services	0.09%	(3.0)	2.18%
Land Home Financial Services	0.09%	(3.0)	0.25%
RiverHills Bank	0.09%	(3.0)	0.81%
Churchill Mortgage	0.09%	(3.0)	0.43%
Bayshore Mortgage Funding	0.10%	(3.0)	1.01%
Primary Residential Mortgage Inc	0.10%	(3.0)	0.09%
Bank of England AR	0.10%	(3.0)	0.38%
Mr. Cooper	0.10%	(3.0)	0.10%
Regions Bank	0.11%	(3.0)	0.60%
Warsaw Bank	0.11%	(3.0)	0.13%
Commonwealth Bank and Trust Company	0.11%	(3.0)	0.08%
Nations Direct Mortgage	0.12%	(3.0)	0.02%
HomeServices Lending	0.12%	(3.0)	0.53%
American Mortgage Service Company	0.12%	(3.0)	3.19%
Gateway First Bank	0.13%	(3.0)	0.13%
NVR Mortgage Finance Inc	0.14%	(3.0)	1.93%
Fairway Independent Mortgage Corporation	0.14%	(3.0)	1.38%
Royal United Mortgage	0.15%	(3.0)	0.08%
Northpointe Bank	0.15%	(3.0)	0.11%
Caliber Home Loans	0.15%	(3.0)	2.53%
Finance of America Mortgage	0.15%	(3.0)	0.37%
Flagstar Bank	0.15%	(2.5)	0.16%
First Financial Bank	0.16%	(2.5)	2.10%
First State Bank OH	0.16%	(2.5)	0.46%
Polaris Home Funding Corp	0.16%	(2.5)	0.24%
First Home Bank	0.17%	(2.5)	0.06%
Western Ohio Mortgage	0.19%	(2.5)	0.28%
PRMG Mortgage	0.19%	(2.5)	0.32%
Guaranty Home Mortgage Corporation	0.19%	(2.5)	0.39%
NewRez	0.19%	(2.5)	0.12%
PrimeLending	0.19%	(2.5)	3.68%
Movement Mortgage	0.20%	(2.5)	0.15%
AnnieMac Home Mortgage	0.20%	(2.5)	0.83%
Cardinal Financial Company	0.20%	(2.5)	0.69%
Quicken Loans	0.21%	(2.5)	3.02%
Waterstone Mortgage Corporation	0.23%	(2.5)	0.12%
loanDepot	0.23%	(2.5)	0.30%
Union Home Mortgage	0.23%	(2.5)	1.44%
DAS Acquisition Company	0.25%	(2.5)	0.73%
Rapid Mortgage Company	0.25%	(2.0)	1.25%
Farm Credit Mid-America	0.25%	(2.0)	0.25%
Navy Federal Credit Union	0.27%	(2.0)	0.29%
Nations Reliable Lending	0.28%	(2.0)	1.35%
Option Financial	0.30%	(2.0)	0.14%
Amerifirst Home Mortgage	0.31%	(2.0)	0.62%
AurGroup Finanical Credit Union	0.32%	(2.0)	0.38%
First Savings Bank	0.36%	(1.5)	0.23%
Summit Funding Inc	0.38%	(1.5)	0.90%

Lender Name	Rate Difference	Rate Rating	Market Share
1st National Bank	-0.30%	(5.0)	2.05%
Union Savings Bank	-0.24%	(4.5)	20.53%
Third Federal Savings & Loan	-0.23%	(4.5)	1.79%
Guardian Savings Bank	-0.22%	(4.5)	10.10%
Superior Credit Union	-0.16%	(4.5)	0.27%
Cinfed Federal Credit Union	-0.16%	(4.5)	1.14%
TCF Bank	-0.12%	(4.0)	0.46%
General Electric Credit Union	-0.10%	(4.0)	0.87%
Central Bank KY	-0.10%	(4.0)	0.41%
North Side Bank and Trust Co	-0.09%	(4.0)	0.33%
Provident Funding	-0.09%	(4.0)	0.47%
Victory Community Bank	-0.08%	(4.0)	1.12%
LCNB National Bank	-0.08%	(4.0)	0.49%
Ruoff Mortgage	-0.07%	(4.0)	0.74%
Guaranteed Rate	-0.06%	(4.0)	1.70%
Huntington National Bank	-0.06%	(4.0)	5.30%
Stockton Mortgage	-0.05%	(3.5)	0.34%
AnnieMac Home Mortgage	-0.03%	(3.5)	0.31%
Prosperity Home Mortgage LLC	-0.03%	(3.5)	0.08%
Equity Resources	-0.02%	(3.5)	0.36%
Bank of America	-0.02%	(3.5)	0.47%
Amerisave Mortgage Corporation	-0.01%	(3.5)	0.49%
WesBanco	-0.01%	(3.5)	0.41%
Sibcy Cline Mortgage Services	-0.00%	(3.5)	0.36%
Wright-Patt Credit Union Inc	-0.00%	(3.5)	0.72%
FirstBank TN	-0.00%	(3.5)	0.11%
Truist Bank	-0.00%	(3.5)	0.47%
Victory Mortgage	0.00%	(3.5)	0.12%
Peoples Bank OH WY KY	0.01%	(3.5)	0.62%
AmCap Home Loans	0.01%	(3.5)	0.06%
First Equity Mortgage	0.01%	(3.5)	0.01%
Gateway First Bank	0.02%	(3.5)	0.08%
RoundPoint Mortgage Servicing Corporation	0.02%	(3.5)	0.22%
Telhio Credit Union	0.02%	(3.5)	0.27%
Guaranteed Rate Affinity	0.03%	(3.5)	0.08%
NBKC Bank	0.03%	(3.5)	0.10%
RiverHills Bank	0.03%	(3.5)	0.36%
Barrington Bank & Trust	0.03%	(3.5)	0.01%
Primary Residential Mortgage Inc	0.03%	(3.5)	0.01%
Keller Mortgage	0.03%	(3.5)	0.04%
Movement Mortgage	0.03%	(3.5)	0.02%
HomeBridge Financial Services	0.03%	(3.5)	0.01%
Bayshore Mortgage Funding	0.04%	(3.5)	0.44%
Option Financial	0.04%	(3.5)	0.03%
Civista Bank	0.04%	(3.5)	0.08%
Flagstar Bank	0.04%	(3.5)	0.13%
Planet Home Lending	0.04%	(3.5)	0.08%
Synergy One Lending	0.04%	(3.5)	0.10%
Home Point Financial Corporation	0.04%	(3.5)	0.08%
The Federal Savings Bank	0.04%	(3.5)	0.02%
Amerifirst Home Mortgage	0.05%	(3.0)	0.22%
Land Home Financial Services	0.06%	(3.0)	0.15%
1st Signature Lending	0.06%	(3.0)	0.03%
Park National Bank	0.06%	(3.0)	0.39%
HomeServices Lending	0.06%	(3.0)	0.01%
JPMorgan Chase Bank	0.06%	(3.0)	2.35%
American Mortgage Service Company	0.06%	(3.0)	1.21%
First Federal Bank of Florida	0.06%	(3.0)	0.09%
Union Home Mortgage	0.06%	(3.0)	0.76%
First Home Bank	0.07%	(3.0)	0.02%
Plaza Home Mortgage	0.07%	(3.0)	0.01%
Summit Funding Inc	0.07%	(3.0)	0.10%
Regions Bank	0.07%	(3.0)	0.10%
Nations Lending Corporation	0.07%	(3.0)	0.03%
Mid America Mortgage	0.07%	(3.0)	0.03%
USAA	0.07%	(3.0)	0.16%
DAS Acquisition Company	0.07%	(3.0)	0.08%
Warsaw Bank	0.08%	(3.0)	0.11%
First State Bank OH	0.08%	(3.0)	0.24%
Nations Direct Mortgage	0.08%	(3.0)	0.02%
Cardinal Financial Company	0.08%	(3.0)	0.20%
Northpointe Bank	0.08%	(3.0)	0.17%
Farm Credit Mid-America	0.09%	(3.0)	0.06%
PRMG Mortgage	0.09%	(3.0)	0.14%
Bank of England AR	0.09%	(3.0)	0.21%
Navy Federal Credit Union	0.09%	(3.0)	0.06%
Commonwealth Bank and Trust Company	0.09%	(3.0)	0.08%
The Union Bank Co	0.09%	(3.0)	0.11%
myCUmortgage	0.09%	(3.0)	0.06%
Waterstone Mortgage Corporation	0.09%	(3.0)	0.01%
Polaris Home Funding Corp	0.10%	(3.0)	0.14%
Nations Reliable Lending	0.10%	(3.0)	0.47%
Forcht Bank	0.10%	(3.0)	0.23%
Fairway Independent Mortgage Corporation	0.11%	(3.0)	0.47%
VanDyk Mortgage Corporation	0.11%	(3.0)	0.17%
NewRez	0.11%	(3.0)	0.37%
Lakeview Loan Servicing	0.11%	(3.0)	0.06%
Western Ohio Mortgage	0.13%	(3.0)	0.14%
Fifth Third Bank	0.13%	(3.0)	9.47%
New American Funding	0.13%	(3.0)	0.24%
Liberty Savings Bank	0.13%	(3.0)	0.24%
First Financial Bank	0.14%	(3.0)	1.56%
Churchill Mortgage	0.14%	(3.0)	0.21%
PennyMac Loan Services	0.14%	(3.0)	0.29%
Caliber Home Loans	0.14%	(3.0)	0.95%
loanDepot	0.14%	(3.0)	1.11%
Reliance First Capital	0.15%	(3.0)	0.13%
Finance of America Mortgage	0.15%	(3.0)	0.11%
Guaranty Home Mortgage Corporation	0.15%	(3.0)	0.45%
KeyBank	0.15%	(3.0)	0.53%
PrimeLending	0.15%	(2.5)	0.95%
Rapid Mortgage Company	0.16%	(2.5)	0.22%
Carrington Mortgage Services	0.17%	(2.5)	0.32%
Merchants National Bank	0.18%	(2.5)	0.20%
United Mortgage Corp	0.19%	(2.5)	0.23%
AurGroup Finanical Credit Union	0.21%	(2.5)	0.33%
Wells Fargo Bank	0.22%	(2.5)	1.14%
US Bank	0.24%	(2.5)	5.30%
Freedom Mortgage Corporation	0.28%	(2.0)	0.16%
Royal United Mortgage	0.29%	(2.0)	0.17%
PNC Bank	0.31%	(2.0)	3.31%
Homeside Financial	0.34%	(2.0)	0.14%
First Savings Bank	0.35%	(2.0)	0.31%
Quicken Loans	0.41%	(1.5)	7.05%
Mr. Cooper	0.52%	(1.0)	0.70%

Lender Name	Rate Difference	Rate Rating	Market Share
Huntington National Bank	-0.41%	(5.0)	3.05%
Victory Community Bank	-0.33%	(5.0)	1.23%
myCUmortgage	-0.32%	(5.0)	1.09%
Guardian Savings Bank	-0.31%	(5.0)	2.21%
Union Savings Bank	-0.29%	(5.0)	3.87%
PNC Bank	-0.28%	(5.0)	0.60%
1st National Bank	-0.28%	(5.0)	0.58%
Fifth Third Bank	-0.28%	(5.0)	2.62%
Sibcy Cline Mortgage Services	-0.26%	(5.0)	1.34%
TCF Bank	-0.23%	(4.5)	0.42%
Victory Mortgage	-0.22%	(4.5)	0.46%
Peoples Bank OH WY KY	-0.22%	(4.5)	0.46%
First Equity Mortgage	-0.20%	(4.5)	0.42%
Regions Bank	-0.19%	(4.5)	0.33%
US Bank	-0.17%	(4.5)	1.14%
Prosperity Home Mortgage LLC	-0.16%	(4.5)	0.26%
WesBanco	-0.14%	(4.0)	0.45%
Guaranty Home Mortgage Corporation	-0.13%	(4.0)	0.62%
Churchill Mortgage	-0.12%	(4.0)	0.37%
Civista Bank	-0.11%	(4.0)	0.08%
First Financial Bank	-0.10%	(4.0)	0.65%
American Mortgage Service Company	-0.08%	(4.0)	4.65%
Union Home Mortgage	-0.07%	(4.0)	1.82%
The Union Bank Co	-0.07%	(4.0)	0.14%
Quicken Loans	-0.07%	(4.0)	8.82%
Mid America Mortgage	-0.07%	(4.0)	0.94%
Liberty Savings Bank	-0.06%	(4.0)	0.11%
NBKC Bank	-0.06%	(4.0)	0.04%
Lakeview Loan Servicing	-0.06%	(4.0)	0.83%
Central Bank KY	-0.05%	(4.0)	0.05%
Keller Mortgage	-0.05%	(3.5)	0.03%
Caliber Home Loans	-0.04%	(3.5)	4.48%
VanDyk Mortgage Corporation	-0.04%	(3.5)	0.87%
Guaranteed Rate Affinity	-0.04%	(3.5)	0.76%
Movement Mortgage	-0.04%	(3.5)	0.15%
Navy Federal Credit Union	-0.03%	(3.5)	0.09%
NewRez	-0.03%	(3.5)	0.28%
Sirva Mortgage	-0.03%	(3.5)	0.04%
KeyBank	-0.03%	(3.5)	0.03%
PennyMac Loan Services	-0.03%	(3.5)	0.58%
Land Home Financial Services	-0.03%	(3.5)	0.47%
Liberty Home Mortgage	-0.03%	(3.5)	0.34%
New American Funding	-0.03%	(3.5)	0.60%
The Federal Savings Bank	-0.02%	(3.5)	0.07%
Park National Bank	-0.02%	(3.5)	0.11%
Ruoff Mortgage	-0.02%	(3.5)	1.03%
Amerisave Mortgage Corporation	-0.02%	(3.5)	0.09%
M/I Financial	-0.02%	(3.5)	0.04%
RoundPoint Mortgage Servicing Corporation	-0.02%	(3.5)	0.11%
FirstBank TN	-0.02%	(3.5)	0.04%
Home Point Financial Corporation	-0.02%	(3.5)	0.33%
Provident Funding	-0.02%	(3.5)	0.01%
First Federal Bank of Florida	-0.01%	(3.5)	0.03%
Plaza Home Mortgage	-0.01%	(3.5)	0.45%
Nations Direct Mortgage	-0.01%	(3.5)	0.30%
Freedom Mortgage Corporation	-0.01%	(3.5)	1.14%
Bank of America	-0.01%	(3.5)	0.03%
Synergy One Lending	-0.00%	(3.5)	0.15%
Planet Home Lending	-0.00%	(3.5)	0.18%
Primary Residential Mortgage Inc	0.00%	(3.5)	0.20%
Barrington Bank & Trust	0.00%	(3.5)	0.04%
Stockton Mortgage	0.00%	(3.5)	0.95%
United Mortgage Corp	0.00%	(3.5)	0.43%
Northpointe Bank	0.00%	(3.5)	0.18%
NewDay USA	0.00%	(3.5)	0.01%
Reliance First Capital	0.01%	(3.5)	0.38%
Forcht Bank	0.01%	(3.5)	0.01%
Commonwealth Bank and Trust Company	0.01%	(3.5)	0.09%
AnnieMac Home Mortgage	0.01%	(3.5)	2.36%
Option Financial	0.01%	(3.5)	0.50%
AmCap Home Loans	0.03%	(3.5)	0.45%
Village Capital	0.03%	(3.5)	0.37%
Royal United Mortgage	0.03%	(3.5)	0.19%
Flagstar Bank	0.04%	(3.5)	0.30%
Carrington Mortgage Services	0.04%	(3.5)	2.46%
Equity Resources	0.04%	(3.5)	1.36%
1st Signature Lending	0.05%	(3.5)	0.33%
JPMorgan Chase Bank	0.05%	(3.5)	0.09%
HomeServices Lending	0.05%	(3.5)	0.26%
Warsaw Bank	0.06%	(3.0)	0.22%
HomeBridge Financial Services	0.06%	(3.0)	0.27%
Bayshore Mortgage Funding	0.07%	(3.0)	2.03%
Gateway First Bank	0.07%	(3.0)	0.23%
Bank of England AR	0.07%	(3.0)	0.69%
Homeside Financial	0.08%	(3.0)	0.31%
First Savings Bank	0.08%	(3.0)	0.31%
loanDepot	0.08%	(3.0)	1.86%
NVR Mortgage Finance Inc	0.08%	(3.0)	1.75%
RiverHills Bank	0.10%	(3.0)	0.65%
Waterstone Mortgage Corporation	0.11%	(3.0)	0.20%
Guaranteed Rate	0.12%	(3.0)	2.13%
Nations Lending Corporation	0.13%	(3.0)	0.38%
Polaris Home Funding Corp	0.14%	(3.0)	2.32%
First Home Bank	0.14%	(3.0)	0.24%
Fairway Independent Mortgage Corporation	0.16%	(2.5)	2.96%
Western Ohio Mortgage	0.16%	(2.5)	0.56%
Rapid Mortgage Company	0.17%	(2.5)	2.58%
Cardinal Financial Company	0.21%	(2.5)	1.61%
Finance of America Mortgage	0.22%	(2.5)	0.88%
Mr. Cooper	0.26%	(2.0)	3.50%
PRMG Mortgage	0.26%	(2.0)	1.28%
DAS Acquisition Company	0.27%	(2.0)	1.94%
PrimeLending	0.27%	(2.0)	2.10%
Nations Reliable Lending	0.38%	(1.5)	3.32%
Amerifirst Home Mortgage	0.39%	(1.5)	0.83%
Summit Funding Inc	0.53%	(1.0)	1.42%

Lender Name	Rate Difference	Rate Rating	Market Share
Huntington National Bank	-0.46%	(5.0)	3.41%
Guardian Savings Bank	-0.38%	(5.0)	2.34%
Victory Community Bank	-0.34%	(5.0)	1.55%
myCUmortgage	-0.34%	(5.0)	1.32%
Fifth Third Bank	-0.33%	(5.0)	2.84%
PNC Bank	-0.32%	(5.0)	0.70%
Union Savings Bank	-0.32%	(5.0)	4.30%
TCF Bank	-0.29%	(5.0)	0.38%
1st National Bank	-0.29%	(5.0)	0.75%
Sibcy Cline Mortgage Services	-0.27%	(5.0)	1.73%
Victory Mortgage	-0.24%	(4.5)	0.57%
Peoples Bank OH WY KY	-0.24%	(4.5)	0.57%
US Bank	-0.22%	(4.5)	1.21%
First Equity Mortgage	-0.21%	(4.5)	0.55%
Regions Bank	-0.20%	(4.5)	0.43%
WesBanco	-0.17%	(4.5)	0.50%
Guaranty Home Mortgage Corporation	-0.17%	(4.5)	0.45%
Prosperity Home Mortgage LLC	-0.16%	(4.5)	0.34%
Freedom Mortgage Corporation	-0.16%	(4.5)	0.70%
Churchill Mortgage	-0.13%	(4.0)	0.45%
Civista Bank	-0.11%	(4.0)	0.11%
First Financial Bank	-0.11%	(4.0)	0.77%
Quicken Loans	-0.10%	(4.0)	4.14%
Lakeview Loan Servicing	-0.10%	(4.0)	0.29%
PennyMac Loan Services	-0.09%	(4.0)	0.12%
The Union Bank Co	-0.09%	(4.0)	0.14%
American Mortgage Service Company	-0.08%	(4.0)	5.64%
Liberty Savings Bank	-0.08%	(4.0)	0.12%
Central Bank KY	-0.06%	(4.0)	0.05%
Mid America Mortgage	-0.06%	(4.0)	1.00%
NBKC Bank	-0.06%	(4.0)	0.05%
Home Point Financial Corporation	-0.06%	(4.0)	0.23%
Keller Mortgage	-0.05%	(3.5)	0.04%
Navy Federal Credit Union	-0.05%	(3.5)	0.09%
VanDyk Mortgage Corporation	-0.04%	(3.5)	1.04%
Guaranteed Rate Affinity	-0.04%	(3.5)	0.93%
Movement Mortgage	-0.04%	(3.5)	0.16%
Union Home Mortgage	-0.04%	(3.5)	1.73%
Sirva Mortgage	-0.04%	(3.5)	0.05%
Ruoff Mortgage	-0.04%	(3.5)	1.09%
Liberty Home Mortgage	-0.03%	(3.5)	0.39%
Land Home Financial Services	-0.03%	(3.5)	0.57%
KeyBank	-0.03%	(3.5)	0.04%
The Federal Savings Bank	-0.03%	(3.5)	0.07%
First Federal Bank of Florida	-0.03%	(3.5)	0.02%
Park National Bank	-0.03%	(3.5)	0.14%
FirstBank TN	-0.03%	(3.5)	0.04%
HomeBridge Financial Services	-0.02%	(3.5)	0.05%
Caliber Home Loans	-0.02%	(3.5)	4.55%
M/I Financial	-0.02%	(3.5)	0.05%
Reliance First Capital	-0.02%	(3.5)	0.02%
Plaza Home Mortgage	-0.02%	(3.5)	0.52%
New American Funding	-0.02%	(3.5)	0.52%
Nations Direct Mortgage	-0.01%	(3.5)	0.36%
Bank of America	-0.01%	(3.5)	0.04%
NewRez	-0.01%	(3.5)	0.11%
Amerisave Mortgage Corporation	-0.00%	(3.5)	0.02%
Barrington Bank & Trust	-0.00%	(3.5)	0.04%
Stockton Mortgage	0.00%	(3.5)	1.09%
Forcht Bank	0.00%	(3.5)	0.02%
Primary Residential Mortgage Inc	0.01%	(3.5)	0.20%
Commonwealth Bank and Trust Company	0.01%	(3.5)	0.12%
Synergy One Lending	0.01%	(3.5)	0.02%
Flagstar Bank	0.01%	(3.5)	0.25%
United Mortgage Corp	0.02%	(3.5)	0.20%
1st Signature Lending	0.02%	(3.5)	0.21%
JPMorgan Chase Bank	0.02%	(3.5)	0.07%
Option Financial	0.02%	(3.5)	0.59%
Nations Lending Corporation	0.02%	(3.5)	0.05%
AnnieMac Home Mortgage	0.02%	(3.5)	2.77%
Northpointe Bank	0.02%	(3.5)	0.16%
AmCap Home Loans	0.03%	(3.5)	0.50%
loanDepot	0.03%	(3.5)	1.36%
Equity Resources	0.04%	(3.5)	1.62%
HomeServices Lending	0.05%	(3.5)	0.34%
Royal United Mortgage	0.05%	(3.5)	0.14%
Planet Home Lending	0.06%	(3.0)	0.09%
Warsaw Bank	0.06%	(3.0)	0.27%
Bayshore Mortgage Funding	0.07%	(3.0)	2.45%
Bank of England AR	0.07%	(3.0)	0.82%
Gateway First Bank	0.08%	(3.0)	0.27%
Homeside Financial	0.08%	(3.0)	0.27%
NVR Mortgage Finance Inc	0.08%	(3.0)	2.30%
First Savings Bank	0.09%	(3.0)	0.32%
RiverHills Bank	0.10%	(3.0)	0.80%
Waterstone Mortgage Corporation	0.11%	(3.0)	0.25%
Guaranteed Rate	0.13%	(3.0)	2.70%
First Home Bank	0.15%	(3.0)	0.30%
Fairway Independent Mortgage Corporation	0.16%	(2.5)	3.52%
Western Ohio Mortgage	0.16%	(2.5)	0.70%
Polaris Home Funding Corp	0.18%	(2.5)	2.43%
Rapid Mortgage Company	0.18%	(2.5)	3.18%
Carrington Mortgage Services	0.20%	(2.5)	0.86%
Finance of America Mortgage	0.23%	(2.5)	1.09%
Cardinal Financial Company	0.23%	(2.5)	1.80%
DAS Acquisition Company	0.27%	(2.0)	2.54%
PrimeLending	0.29%	(2.0)	2.50%
PRMG Mortgage	0.31%	(2.0)	1.36%
Mr. Cooper	0.32%	(2.0)	2.39%
Amerifirst Home Mortgage	0.40%	(1.5)	1.04%
Nations Reliable Lending	0.43%	(1.5)	3.79%
Summit Funding Inc	0.54%	(1.0)	1.84%

Lender Name	Rate Difference	Rate Rating	Market Share
Union Savings Bank	-0.17%	(4.5)	2.48%
Union Home Mortgage	-0.16%	(4.5)	2.09%
Huntington National Bank	-0.12%	(4.0)	1.92%
TCF Bank	-0.11%	(4.0)	0.56%
Guaranty Home Mortgage Corporation	-0.09%	(4.0)	1.19%
Caliber Home Loans	-0.09%	(4.0)	4.23%
Mid America Mortgage	-0.08%	(4.0)	0.73%
American Mortgage Service Company	-0.08%	(4.0)	1.52%
Guardian Savings Bank	-0.06%	(4.0)	1.81%
Fifth Third Bank	-0.05%	(3.5)	1.92%
myCUmortgage	-0.05%	(3.5)	0.34%
Quicken Loans	-0.04%	(3.5)	23.59%
New American Funding	-0.04%	(3.5)	0.85%
AnnieMac Home Mortgage	-0.04%	(3.5)	1.07%
NewRez	-0.04%	(3.5)	0.85%
Planet Home Lending	-0.04%	(3.5)	0.45%
Lakeview Loan Servicing	-0.03%	(3.5)	2.54%
First Financial Bank	-0.03%	(3.5)	0.28%
Victory Community Bank	-0.03%	(3.5)	0.23%
Equity Resources	-0.03%	(3.5)	0.51%
Northpointe Bank	-0.03%	(3.5)	0.23%
RiverHills Bank	-0.03%	(3.5)	0.17%
Option Financial	-0.03%	(3.5)	0.23%
Peoples Bank OH WY KY	-0.02%	(3.5)	0.11%
Victory Mortgage	-0.02%	(3.5)	0.11%
Movement Mortgage	-0.01%	(3.5)	0.11%
Amerisave Mortgage Corporation	-0.01%	(3.5)	0.34%
Carrington Mortgage Services	-0.01%	(3.5)	7.51%
1st National Bank	-0.01%	(3.5)	0.06%
Primary Residential Mortgage Inc	-0.01%	(3.5)	0.23%
The Union Bank Co	-0.01%	(3.5)	0.11%
Central Bank KY	-0.01%	(3.5)	0.06%
Sibcy Cline Mortgage Services	-0.01%	(3.5)	0.11%
RoundPoint Mortgage Servicing Corporation	-0.01%	(3.5)	0.45%
Gateway First Bank	-0.01%	(3.5)	0.11%
PennyMac Loan Services	-0.01%	(3.5)	2.03%
Provident Funding	-0.00%	(3.5)	0.06%
The Federal Savings Bank	-0.00%	(3.5)	0.06%
Polaris Home Funding Corp	-0.00%	(3.5)	1.98%
Navy Federal Credit Union	-0.00%	(3.5)	0.11%
WesBanco	-0.00%	(3.5)	0.28%
Land Home Financial Services	0.00%	(3.5)	0.17%
Churchill Mortgage	0.00%	(3.5)	0.11%
Stockton Mortgage	0.00%	(3.5)	0.51%
Synergy One Lending	0.00%	(3.5)	0.56%
United Mortgage Corp	0.01%	(3.5)	1.19%
Liberty Home Mortgage	0.01%	(3.5)	0.17%
FirstBank TN	0.01%	(3.5)	0.06%
Western Ohio Mortgage	0.01%	(3.5)	0.11%
Liberty Savings Bank	0.01%	(3.5)	0.06%
VanDyk Mortgage Corporation	0.01%	(3.5)	0.34%
Guaranteed Rate	0.01%	(3.5)	0.34%
DAS Acquisition Company	0.01%	(3.5)	0.06%
Guaranteed Rate Affinity	0.01%	(3.5)	0.23%
Barrington Bank & Trust	0.01%	(3.5)	0.06%
NewDay USA	0.02%	(3.5)	0.06%
First Federal Bank of Florida	0.02%	(3.5)	0.06%
Reliance First Capital	0.02%	(3.5)	1.52%
AmCap Home Loans	0.02%	(3.5)	0.28%
US Bank	0.02%	(3.5)	0.90%
Royal United Mortgage	0.02%	(3.5)	0.34%
Nations Direct Mortgage	0.02%	(3.5)	0.11%
PRMG Mortgage	0.02%	(3.5)	1.02%
PNC Bank	0.02%	(3.5)	0.28%
Warsaw Bank	0.02%	(3.5)	0.06%
Waterstone Mortgage Corporation	0.02%	(3.5)	0.06%
First Home Bank	0.03%	(3.5)	0.06%
Ruoff Mortgage	0.03%	(3.5)	0.85%
Rapid Mortgage Company	0.03%	(3.5)	0.68%
Finance of America Mortgage	0.04%	(3.5)	0.23%
Bank of England AR	0.04%	(3.5)	0.28%
Amerifirst Home Mortgage	0.04%	(3.5)	0.17%
First Savings Bank	0.04%	(3.5)	0.28%
Village Capital	0.04%	(3.5)	1.52%
Plaza Home Mortgage	0.04%	(3.5)	0.23%
Home Point Financial Corporation	0.05%	(3.5)	0.62%
Cardinal Financial Company	0.05%	(3.5)	1.02%
Summit Funding Inc	0.05%	(3.0)	0.11%
Nations Reliable Lending	0.05%	(3.0)	1.86%
PrimeLending	0.06%	(3.0)	0.85%
Bayshore Mortgage Funding	0.06%	(3.0)	0.73%
Homeside Financial	0.08%	(3.0)	0.45%
1st Signature Lending	0.08%	(3.0)	0.68%
Flagstar Bank	0.09%	(3.0)	0.45%
HomeBridge Financial Services	0.09%	(3.0)	0.96%
JPMorgan Chase Bank	0.09%	(3.0)	0.17%
Fairway Independent Mortgage Corporation	0.09%	(3.0)	1.19%
Freedom Mortgage Corporation	0.12%	(3.0)	2.54%
loanDepot	0.14%	(3.0)	3.44%
Nations Lending Corporation	0.15%	(2.5)	1.41%
Mr. Cooper	0.20%	(2.5)	7.00%

Lender Name	Rate Difference	Rate Rating	Market Share
Fifth Third Bank	-0.08%	(4.0)	17.58%
Bank of America	-0.03%	(3.5)	3.64%
Wells Fargo Bank	-0.03%	(3.5)	7.47%
Huntington National Bank	-0.02%	(3.5)	8.89%
Regions Bank	-0.00%	(3.5)	1.62%
Third Federal Savings & Loan	0.00%	(3.5)	1.01%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	0.20%
General Electric Credit Union	0.01%	(3.5)	2.63%
Navy Federal Credit Union	0.01%	(3.5)	0.40%
Truist Bank	0.01%	(3.5)	3.43%
Cinfed Federal Credit Union	0.01%	(3.5)	0.20%
Civista Bank	0.01%	(3.5)	0.20%
Guaranteed Rate	0.02%	(3.5)	3.84%
Keller Mortgage	0.02%	(3.5)	0.20%
JPMorgan Chase Bank	0.02%	(3.5)	3.03%
Quicken Loans	0.02%	(3.5)	0.40%
KeyBank	0.02%	(3.5)	2.22%
Central Bank KY	0.02%	(3.5)	0.40%
Victory Community Bank	0.02%	(3.5)	0.61%
Guaranteed Rate Affinity	0.02%	(3.5)	0.61%
M/I Financial	0.02%	(3.5)	0.61%
LCNB National Bank	0.02%	(3.5)	0.20%
Wright-Patt Credit Union Inc	0.03%	(3.5)	0.81%
PNC Bank	0.03%	(3.5)	6.26%
Churchill Mortgage	0.03%	(3.5)	0.20%
Park National Bank	0.03%	(3.5)	0.40%
Sirva Mortgage	0.03%	(3.5)	0.20%
Equity Resources	0.03%	(3.5)	0.20%
American Mortgage Service Company	0.03%	(3.5)	1.62%
TCF Bank	0.03%	(3.5)	0.61%
Sibcy Cline Mortgage Services	0.03%	(3.5)	0.61%
WesBanco	0.03%	(3.5)	0.20%
HomeServices Lending	0.03%	(3.5)	0.20%
NBKC Bank	0.03%	(3.5)	0.20%
First Financial Bank	0.03%	(3.5)	4.24%
Cardinal Financial Company	0.03%	(3.5)	0.20%
Guardian Savings Bank	0.03%	(3.5)	0.40%
Reliance First Capital	0.03%	(3.5)	0.20%
PrimeLending	0.04%	(3.5)	2.83%
Forcht Bank	0.04%	(3.5)	1.01%
USAA	0.04%	(3.5)	0.20%
Peoples Bank OH WY KY	0.04%	(3.5)	0.81%
Farm Credit Mid-America	0.04%	(3.5)	1.62%
Finance of America Mortgage	0.04%	(3.5)	0.20%
First Equity Mortgage	0.04%	(3.5)	1.41%
Victory Mortgage	0.05%	(3.5)	1.21%
US Bank	0.05%	(3.5)	13.54%
Caliber Home Loans	0.07%	(3.0)	0.81%
NewRez	0.08%	(3.0)	0.40%

Lender Name	Rate Difference	Rate Rating	Market Share
Fifth Third Bank	-0.08%	(4.0)	19.02%
Bank of America	-0.05%	(3.5)	4.26%
Wells Fargo Bank	-0.03%	(3.5)	10.82%
Regions Bank	0.00%	(3.5)	2.30%
PNC Bank	0.01%	(3.5)	5.25%
Third Federal Savings & Loan	0.01%	(3.5)	1.64%
KeyBank	0.01%	(3.5)	1.97%
Fairway Independent Mortgage Corporation	0.02%	(3.5)	0.33%
Navy Federal Credit Union	0.02%	(3.5)	0.66%
JPMorgan Chase Bank	0.02%	(3.5)	3.61%
Forcht Bank	0.02%	(3.5)	0.33%
Civista Bank	0.02%	(3.5)	0.33%
Huntington National Bank	0.02%	(3.5)	5.25%
General Electric Credit Union	0.02%	(3.5)	0.33%
Keller Mortgage	0.02%	(3.5)	0.33%
Guaranteed Rate	0.02%	(3.5)	3.61%
US Bank	0.02%	(3.5)	13.77%
Quicken Loans	0.03%	(3.5)	0.33%
Central Bank KY	0.03%	(3.5)	0.66%
Victory Community Bank	0.03%	(3.5)	0.98%
First Financial Bank	0.03%	(3.5)	2.62%
Sibcy Cline Mortgage Services	0.03%	(3.5)	0.66%
Guaranteed Rate Affinity	0.03%	(3.5)	0.98%
M/I Financial	0.03%	(3.5)	0.98%
Park National Bank	0.03%	(3.5)	0.66%
Sirva Mortgage	0.03%	(3.5)	0.33%
American Mortgage Service Company	0.03%	(3.5)	1.64%
Wright-Patt Credit Union Inc	0.03%	(3.5)	0.98%
HomeServices Lending	0.04%	(3.5)	0.33%
NBKC Bank	0.04%	(3.5)	0.33%
PrimeLending	0.04%	(3.5)	2.62%
Cardinal Financial Company	0.04%	(3.5)	0.33%
Guardian Savings Bank	0.04%	(3.5)	0.66%
Reliance First Capital	0.04%	(3.5)	0.33%
Peoples Bank OH WY KY	0.05%	(3.5)	0.66%
USAA	0.05%	(3.5)	0.33%
Finance of America Mortgage	0.05%	(3.0)	0.33%
First Equity Mortgage	0.05%	(3.0)	2.30%
Truist Bank	0.06%	(3.0)	2.30%
Victory Mortgage	0.06%	(3.0)	1.64%
Farm Credit Mid-America	0.07%	(3.0)	1.64%
NewRez	0.09%	(3.0)	0.66%
Caliber Home Loans	0.09%	(3.0)	0.98%

Lender Name	Rate Difference	Rate Rating	Market Share
Fifth Third Bank	-0.07%	(4.0)	15.26%
Huntington National Bank	-0.05%	(4.0)	14.74%
Truist Bank	-0.03%	(3.5)	5.26%
Wells Fargo Bank	-0.02%	(3.5)	2.11%
General Electric Credit Union	-0.00%	(3.5)	6.32%
Cinfed Federal Credit Union	0.00%	(3.5)	0.53%
Victory Mortgage	0.00%	(3.5)	0.53%
Farm Credit Mid-America	0.00%	(3.5)	1.58%
Guaranteed Rate	0.00%	(3.5)	4.21%
Caliber Home Loans	0.01%	(3.5)	0.53%
Regions Bank	0.01%	(3.5)	0.53%
Wright-Patt Credit Union Inc	0.01%	(3.5)	0.53%
Quicken Loans	0.01%	(3.5)	0.53%
Bank of America	0.01%	(3.5)	2.63%
LCNB National Bank	0.01%	(3.5)	0.53%
Churchill Mortgage	0.01%	(3.5)	0.53%
Equity Resources	0.01%	(3.5)	0.53%
TCF Bank	0.01%	(3.5)	1.58%
American Mortgage Service Company	0.02%	(3.5)	1.58%
WesBanco	0.02%	(3.5)	0.53%
JPMorgan Chase Bank	0.02%	(3.5)	2.11%
First Financial Bank	0.02%	(3.5)	6.84%
KeyBank	0.03%	(3.5)	2.63%
Sibcy Cline Mortgage Services	0.03%	(3.5)	0.53%
Peoples Bank OH WY KY	0.03%	(3.5)	1.05%
Forcht Bank	0.03%	(3.5)	2.11%
PrimeLending	0.03%	(3.5)	3.16%
PNC Bank	0.04%	(3.5)	7.89%
US Bank	0.09%	(3.0)	13.16%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.28%	(5.0)	3.57%
Sibcy Cline Mortgage Services	-0.17%	(4.5)	1.64%
Union Savings Bank	-0.16%	(4.5)	3.24%
Victory Community Bank	-0.11%	(4.0)	1.71%
loanDepot	-0.10%	(4.0)	2.38%
PennyMac Loan Services	-0.09%	(4.0)	1.79%
Caliber Home Loans	-0.08%	(4.0)	4.61%
Fifth Third Bank	-0.08%	(4.0)	1.71%
American Mortgage Service Company	-0.07%	(4.0)	2.34%
USAA	-0.07%	(4.0)	7.07%
First Financial Bank	-0.07%	(4.0)	0.52%
TCF Bank	-0.07%	(4.0)	0.74%
1st National Bank	-0.06%	(4.0)	0.56%
Flagstar Bank	-0.05%	(4.0)	0.86%
Guaranteed Rate	-0.05%	(4.0)	3.53%
Guardian Savings Bank	-0.05%	(3.5)	0.60%
Wells Fargo Bank	-0.04%	(3.5)	0.82%
NBKC Bank	-0.04%	(3.5)	0.71%
Regions Bank	-0.04%	(3.5)	0.19%
First Savings Bank	-0.04%	(3.5)	0.41%
Amerisave Mortgage Corporation	-0.04%	(3.5)	0.30%
Peoples Bank OH WY KY	-0.04%	(3.5)	0.48%
M/I Financial	-0.03%	(3.5)	0.33%
Ruoff Mortgage	-0.03%	(3.5)	1.15%
Park National Bank	-0.03%	(3.5)	0.07%
Prosperity Home Mortgage LLC	-0.03%	(3.5)	0.37%
RoundPoint Mortgage Servicing Corporation	-0.03%	(3.5)	0.22%
Victory Mortgage	-0.03%	(3.5)	0.67%
WesBanco	-0.03%	(3.5)	0.30%
New American Funding	-0.03%	(3.5)	0.22%
Huntington National Bank	-0.03%	(3.5)	1.86%
PNC Bank	-0.03%	(3.5)	0.78%
Churchill Mortgage	-0.02%	(3.5)	0.41%
Keller Mortgage	-0.02%	(3.5)	0.07%
Sirva Mortgage	-0.02%	(3.5)	0.15%
Lakeview Loan Servicing	-0.02%	(3.5)	0.74%
myCUmortgage	-0.02%	(3.5)	0.15%
Wright-Patt Credit Union Inc	-0.02%	(3.5)	0.56%
Village Capital	-0.02%	(3.5)	0.63%
Guaranteed Rate Affinity	-0.02%	(3.5)	0.71%
Equity Resources	-0.02%	(3.5)	0.82%
Central Bank KY	-0.01%	(3.5)	0.11%
Civista Bank	-0.01%	(3.5)	0.04%
Warsaw Bank	-0.01%	(3.5)	0.11%
FirstBank TN	-0.01%	(3.5)	0.19%
RiverHills Bank	-0.01%	(3.5)	0.26%
Home Point Financial Corporation	-0.01%	(3.5)	0.93%
US Bank	-0.01%	(3.5)	1.12%
First Equity Mortgage	-0.00%	(3.5)	1.04%
AmCap Home Loans	-0.00%	(3.5)	0.33%
Liberty Savings Bank	-0.00%	(3.5)	0.07%
Northpointe Bank	-0.00%	(3.5)	0.07%
Royal United Mortgage	-0.00%	(3.5)	0.04%
Primary Residential Mortgage Inc	0.00%	(3.5)	0.07%
Truist Bank	0.00%	(3.5)	0.04%
PrimeLending	0.00%	(3.5)	3.98%
The Union Bank Co	0.00%	(3.5)	0.45%
Forcht Bank	0.00%	(3.5)	0.11%
Commonwealth Bank and Trust Company	0.00%	(3.5)	0.22%
Gateway First Bank	0.00%	(3.5)	0.15%
AurGroup Finanical Credit Union	0.01%	(3.5)	0.07%
Liberty Home Mortgage	0.01%	(3.5)	0.04%
Waterstone Mortgage Corporation	0.01%	(3.5)	0.04%
Mid America Mortgage	0.01%	(3.5)	0.71%
Land Home Financial Services	0.01%	(3.5)	0.45%
Movement Mortgage	0.01%	(3.5)	0.22%
AnnieMac Home Mortgage	0.01%	(3.5)	1.60%
1st Signature Lending	0.02%	(3.5)	0.11%
Bank of England AR	0.02%	(3.5)	0.26%
Nations Direct Mortgage	0.02%	(3.5)	0.48%
Planet Home Lending	0.02%	(3.5)	0.26%
Guaranty Home Mortgage Corporation	0.02%	(3.5)	0.89%
Western Ohio Mortgage	0.02%	(3.5)	0.26%
Barrington Bank & Trust	0.02%	(3.5)	0.89%
PRMG Mortgage	0.03%	(3.5)	0.74%
United Mortgage Corp	0.03%	(3.5)	0.48%
HomeBridge Financial Services	0.03%	(3.5)	0.41%
Stockton Mortgage	0.03%	(3.5)	0.48%
NewRez	0.03%	(3.5)	0.19%
VanDyk Mortgage Corporation	0.03%	(3.5)	0.37%
Reliance First Capital	0.03%	(3.5)	0.30%
HomeServices Lending	0.03%	(3.5)	0.30%
Option Financial	0.03%	(3.5)	0.04%
Bayshore Mortgage Funding	0.04%	(3.5)	1.12%
Union Home Mortgage	0.04%	(3.5)	1.67%
Plaza Home Mortgage	0.04%	(3.5)	0.11%
Homeside Financial	0.05%	(3.5)	0.45%
Synergy One Lending	0.05%	(3.0)	0.60%
First Home Bank	0.05%	(3.0)	0.45%
Nations Lending Corporation	0.06%	(3.0)	0.19%
NVR Mortgage Finance Inc	0.06%	(3.0)	0.60%
First Federal Bank of Florida	0.06%	(3.0)	0.60%
Fairway Independent Mortgage Corporation	0.06%	(3.0)	1.38%
Polaris Home Funding Corp	0.08%	(3.0)	0.82%
Amerifirst Home Mortgage	0.08%	(3.0)	0.41%
Quicken Loans	0.10%	(3.0)	6.55%
Finance of America Mortgage	0.10%	(3.0)	0.33%
Carrington Mortgage Services	0.12%	(3.0)	2.19%
Cardinal Financial Company	0.13%	(3.0)	0.97%
The Federal Savings Bank	0.15%	(3.0)	2.53%
Freedom Mortgage Corporation	0.15%	(3.0)	2.01%
Rapid Mortgage Company	0.16%	(2.5)	1.04%
DAS Acquisition Company	0.17%	(2.5)	1.08%
Nations Reliable Lending	0.17%	(2.5)	1.26%
Mr. Cooper	0.18%	(2.5)	1.45%
Summit Funding Inc	0.20%	(2.5)	0.89%
NewDay USA	0.39%	(1.5)	2.42%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.31%	(5.0)	5.07%
Sibcy Cline Mortgage Services	-0.17%	(4.5)	2.41%
Union Savings Bank	-0.12%	(4.0)	3.06%
Victory Community Bank	-0.10%	(4.0)	2.54%
Fifth Third Bank	-0.09%	(4.0)	1.63%
PennyMac Loan Services	-0.06%	(4.0)	0.52%
First Financial Bank	-0.06%	(4.0)	0.78%
1st National Bank	-0.06%	(4.0)	0.78%
American Mortgage Service Company	-0.06%	(4.0)	2.99%
TCF Bank	-0.05%	(4.0)	0.59%
Wells Fargo Bank	-0.05%	(3.5)	1.17%
Guardian Savings Bank	-0.05%	(3.5)	0.59%
NBKC Bank	-0.03%	(3.5)	0.72%
USAA	-0.03%	(3.5)	9.37%
Churchill Mortgage	-0.03%	(3.5)	0.39%
Peoples Bank OH WY KY	-0.02%	(3.5)	0.72%
Regions Bank	-0.02%	(3.5)	0.33%
PNC Bank	-0.02%	(3.5)	0.98%
Guaranteed Rate	-0.02%	(3.5)	4.75%
Prosperity Home Mortgage LLC	-0.02%	(3.5)	0.46%
Ruoff Mortgage	-0.02%	(3.5)	1.63%
M/I Financial	-0.02%	(3.5)	0.59%
US Bank	-0.02%	(3.5)	1.43%
Park National Bank	-0.01%	(3.5)	0.13%
Victory Mortgage	-0.01%	(3.5)	1.11%
WesBanco	-0.01%	(3.5)	0.33%
myCUmortgage	-0.01%	(3.5)	0.20%
Keller Mortgage	-0.01%	(3.5)	0.13%
Huntington National Bank	-0.01%	(3.5)	2.34%
Sirva Mortgage	-0.01%	(3.5)	0.26%
Guaranteed Rate Affinity	-0.00%	(3.5)	1.24%
Central Bank KY	-0.00%	(3.5)	0.13%
New American Funding	-0.00%	(3.5)	0.07%
Equity Resources	0.00%	(3.5)	0.98%
Wright-Patt Credit Union Inc	0.01%	(3.5)	0.52%
Civista Bank	0.01%	(3.5)	0.07%
Warsaw Bank	0.01%	(3.5)	0.20%
Quicken Loans	0.01%	(3.5)	2.99%
Primary Residential Mortgage Inc	0.01%	(3.5)	0.07%
RiverHills Bank	0.01%	(3.5)	0.46%
Commonwealth Bank and Trust Company	0.01%	(3.5)	0.20%
loanDepot	0.01%	(3.5)	0.39%
First Savings Bank	0.02%	(3.5)	0.07%
First Equity Mortgage	0.02%	(3.5)	1.82%
Lakeview Loan Servicing	0.02%	(3.5)	0.07%
PrimeLending	0.02%	(3.5)	6.51%
Movement Mortgage	0.02%	(3.5)	0.26%
HomeBridge Financial Services	0.02%	(3.5)	0.07%
Northpointe Bank	0.02%	(3.5)	0.07%
The Union Bank Co	0.02%	(3.5)	0.26%
Liberty Savings Bank	0.02%	(3.5)	0.07%
Liberty Home Mortgage	0.02%	(3.5)	0.07%
Forcht Bank	0.03%	(3.5)	0.07%
Waterstone Mortgage Corporation	0.03%	(3.5)	0.07%
Caliber Home Loans	0.03%	(3.5)	3.64%
Homeside Financial	0.03%	(3.5)	0.26%
Land Home Financial Services	0.03%	(3.5)	0.72%
1st Signature Lending	0.03%	(3.5)	0.20%
AurGroup Finanical Credit Union	0.03%	(3.5)	0.07%
Mid America Mortgage	0.03%	(3.5)	0.85%
Freedom Mortgage Corporation	0.03%	(3.5)	0.39%
Flagstar Bank	0.03%	(3.5)	0.33%
Nations Lending Corporation	0.04%	(3.5)	0.07%
AnnieMac Home Mortgage	0.04%	(3.5)	2.34%
Barrington Bank & Trust	0.04%	(3.5)	1.30%
United Mortgage Corp	0.04%	(3.5)	0.33%
Gateway First Bank	0.05%	(3.5)	0.13%
NewDay USA	0.05%	(3.5)	0.39%
VanDyk Mortgage Corporation	0.05%	(3.5)	0.46%
HomeServices Lending	0.05%	(3.0)	0.46%
Option Financial	0.05%	(3.0)	0.07%
Guaranty Home Mortgage Corporation	0.06%	(3.0)	0.85%
Nations Direct Mortgage	0.06%	(3.0)	0.46%
Plaza Home Mortgage	0.06%	(3.0)	0.20%
Bank of England AR	0.06%	(3.0)	0.13%
The Federal Savings Bank	0.06%	(3.0)	0.20%
Bayshore Mortgage Funding	0.06%	(3.0)	1.69%
Western Ohio Mortgage	0.06%	(3.0)	0.26%
Stockton Mortgage	0.06%	(3.0)	0.52%
AmCap Home Loans	0.07%	(3.0)	0.20%
Union Home Mortgage	0.07%	(3.0)	2.34%
NVR Mortgage Finance Inc	0.08%	(3.0)	1.04%
Home Point Financial Corporation	0.08%	(3.0)	0.72%
Fairway Independent Mortgage Corporation	0.09%	(3.0)	1.82%
Planet Home Lending	0.10%	(3.0)	0.20%
Polaris Home Funding Corp	0.11%	(3.0)	0.91%
Amerifirst Home Mortgage	0.12%	(3.0)	0.59%
PRMG Mortgage	0.12%	(3.0)	0.59%
First Home Bank	0.12%	(3.0)	0.39%
Finance of America Mortgage	0.13%	(3.0)	0.52%
Mr. Cooper	0.17%	(2.5)	1.04%
Carrington Mortgage Services	0.17%	(2.5)	0.78%
Rapid Mortgage Company	0.18%	(2.5)	1.76%
Cardinal Financial Company	0.19%	(2.5)	1.30%
DAS Acquisition Company	0.19%	(2.5)	1.82%
Nations Reliable Lending	0.22%	(2.5)	1.76%
Summit Funding Inc	0.25%	(2.5)	1.37%

Lender Name	Rate Difference	Rate Rating	Market Share
Union Savings Bank	-0.22%	(4.5)	3.47%
Caliber Home Loans	-0.19%	(4.5)	5.90%
USAA	-0.16%	(4.5)	3.99%
loanDepot	-0.13%	(4.0)	5.03%
Guaranteed Rate	-0.13%	(4.0)	1.91%
Navy Federal Credit Union	-0.13%	(4.0)	1.56%
PennyMac Loan Services	-0.12%	(4.0)	3.47%
Flagstar Bank	-0.09%	(4.0)	1.56%
American Mortgage Service Company	-0.09%	(4.0)	1.48%
TCF Bank	-0.09%	(4.0)	0.95%
Home Point Financial Corporation	-0.08%	(4.0)	1.22%
Sibcy Cline Mortgage Services	-0.08%	(4.0)	0.61%
Fifth Third Bank	-0.07%	(4.0)	1.82%
First Savings Bank	-0.06%	(4.0)	0.87%
Huntington National Bank	-0.06%	(4.0)	1.22%
Victory Community Bank	-0.06%	(4.0)	0.61%
Amerisave Mortgage Corporation	-0.06%	(4.0)	0.69%
NBKC Bank	-0.06%	(4.0)	0.69%
PRMG Mortgage	-0.06%	(4.0)	0.95%
Planet Home Lending	-0.06%	(4.0)	0.35%
Wright-Patt Credit Union Inc	-0.06%	(4.0)	0.61%
WesBanco	-0.05%	(4.0)	0.26%
New American Funding	-0.05%	(4.0)	0.43%
RoundPoint Mortgage Servicing Corporation	-0.05%	(4.0)	0.52%
AmCap Home Loans	-0.05%	(3.5)	0.52%
Guardian Savings Bank	-0.05%	(3.5)	0.61%
AnnieMac Home Mortgage	-0.05%	(3.5)	0.61%
Lakeview Loan Servicing	-0.05%	(3.5)	1.65%
Gateway First Bank	-0.04%	(3.5)	0.17%
Village Capital	-0.04%	(3.5)	1.48%
Equity Resources	-0.04%	(3.5)	0.61%
Prosperity Home Mortgage LLC	-0.04%	(3.5)	0.26%
Ruoff Mortgage	-0.04%	(3.5)	0.52%
First Financial Bank	-0.04%	(3.5)	0.17%
Bayshore Mortgage Funding	-0.04%	(3.5)	0.35%
Peoples Bank OH WY KY	-0.04%	(3.5)	0.17%
Nations Direct Mortgage	-0.04%	(3.5)	0.52%
myCUmortgage	-0.04%	(3.5)	0.09%
Union Home Mortgage	-0.03%	(3.5)	0.78%
PrimeLending	-0.03%	(3.5)	0.61%
1st National Bank	-0.03%	(3.5)	0.26%
Victory Mortgage	-0.03%	(3.5)	0.09%
Guaranty Home Mortgage Corporation	-0.03%	(3.5)	0.95%
FirstBank TN	-0.03%	(3.5)	0.43%
Western Ohio Mortgage	-0.03%	(3.5)	0.26%
Liberty Savings Bank	-0.03%	(3.5)	0.09%
Central Bank KY	-0.03%	(3.5)	0.09%
Northpointe Bank	-0.03%	(3.5)	0.09%
Rapid Mortgage Company	-0.03%	(3.5)	0.09%
PNC Bank	-0.03%	(3.5)	0.52%
AurGroup Finanical Credit Union	-0.03%	(3.5)	0.09%
Mid America Mortgage	-0.03%	(3.5)	0.52%
DAS Acquisition Company	-0.03%	(3.5)	0.09%
Forcht Bank	-0.03%	(3.5)	0.17%
Stockton Mortgage	-0.02%	(3.5)	0.43%
Churchill Mortgage	-0.02%	(3.5)	0.43%
Royal United Mortgage	-0.02%	(3.5)	0.09%
The Union Bank Co	-0.02%	(3.5)	0.69%
Truist Bank	-0.02%	(3.5)	0.09%
First Home Bank	-0.02%	(3.5)	0.52%
Land Home Financial Services	-0.02%	(3.5)	0.09%
Bank of England AR	-0.02%	(3.5)	0.43%
Primary Residential Mortgage Inc	-0.02%	(3.5)	0.09%
Commonwealth Bank and Trust Company	-0.01%	(3.5)	0.26%
Summit Funding Inc	-0.01%	(3.5)	0.26%
Cardinal Financial Company	-0.01%	(3.5)	0.52%
Amerifirst Home Mortgage	-0.01%	(3.5)	0.17%
Finance of America Mortgage	-0.01%	(3.5)	0.09%
HomeServices Lending	-0.00%	(3.5)	0.09%
Fairway Independent Mortgage Corporation	0.00%	(3.5)	0.78%
United Mortgage Corp	0.01%	(3.5)	0.69%
NewRez	0.01%	(3.5)	0.43%
HomeBridge Financial Services	0.01%	(3.5)	0.87%
VanDyk Mortgage Corporation	0.01%	(3.5)	0.26%
Barrington Bank & Trust	0.01%	(3.5)	0.35%
Movement Mortgage	0.01%	(3.5)	0.17%
Reliance First Capital	0.01%	(3.5)	0.69%
Nations Reliable Lending	0.01%	(3.5)	0.61%
Polaris Home Funding Corp	0.02%	(3.5)	0.69%
Wells Fargo Bank	0.03%	(3.5)	0.35%
Synergy One Lending	0.03%	(3.5)	1.39%
First Federal Bank of Florida	0.04%	(3.5)	1.39%
Nations Lending Corporation	0.04%	(3.5)	0.35%
Homeside Financial	0.04%	(3.5)	0.69%
US Bank	0.04%	(3.5)	0.69%
Carrington Mortgage Services	0.09%	(3.0)	4.08%
Quicken Loans	0.11%	(3.0)	11.28%
The Federal Savings Bank	0.13%	(3.0)	5.64%
Freedom Mortgage Corporation	0.14%	(3.0)	4.17%
Mr. Cooper	0.18%	(2.5)	2.00%
NewDay USA	0.40%	(1.5)	5.12%

* Data is compiled for the Cincinnati, OH commuting zone area, which comprises of counties of Boone County, KY, Bracken County, KY, Campbell County, KY, Gallatin County, KY, Grant County, KY, Kenton County, KY, Pendleton County, KY, Adams County, OH, Brown County, OH, Butler County, OH, Clermont County, OH, Hamilton County, OH, and Warren County, OH. This includes cities/towns/communities of Cincinnati, OH as well as Hamilton, OH, Mason, OH, Florence, KY, South Lebanon, OH, Springboro, OH, Independence, KY, Fairfield, OH, Covington, KY, Lebanon, OH, Monroe, OH, Middletown, OH, Amelia, OH, Montgomery, OH, Fort Wright, KY, Beckett Ridge, OH, Batavia, OH, Union, KY, Norwood, OH, Burlington, KY, Fort Thomas, KY, Francisville, KY, Loveland, OH, Alexandria, KY, Franklin, OH, Blue Ash, OH, Villa Hills, KY, Oakbrook, KY, Withamsville, OH, Mack, OH, Dent, OH, Madeira, OH, Monfort Heights, OH, White Oak, OH, Trenton, OH, Claryville, KY, Erlanger, KY, Finneytown, OH, Turpin Hills, OH, Harrison, OH, Forest Park, OH, Mount Repose, OH, Landen, OH, Williamstown, KY, Walton, KY, Mount Carmel, OH, Hunter, OH, Wyoming, OH, Miamitown, OH, Mount Orab, OH, and The Village of Indian Hill, 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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