Which mortgage lender in the Findlay, 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 Findlay, 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 Findlay, OH area in terms of interest rate is Superior Credit Union, with an average “Rate Difference” of -0.18%. This means that, comparing similar borrowers, Superior Credit Union provided a -0.18% lower interest rate for its customers than other lenders in the area. Superior Credit Union has a market share of 3.0%. On the other hand, the most popular lender in the Findlay, OH area is loanDepot, with a larger market share of 17.1%. However, loanDepot also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.13% compared to those of other lenders. We recommend shopping around before going with this popular lender.
Our detailed ranking of mortgage lenders in the Findlay, 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 Findlay, OH is Superior Credit Union. 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 also Huntington National Bank. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Findlay, OH
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Superior Credit Union | -0.18% | 3.01% | |
| Premier Bank | -0.14% | 13.77% | |
| State Bank and Trust Company | -0.11% | 7.54% | |
| Honda Federal Credit Union | -0.09% | 3.63% | |
| Huntington National Bank | -0.05% | 12.65% | |
| JPMorgan Chase Bank | -0.04% | 6.84% | |
| Citizens National Bank of Bluffton | -0.03% | 2.43% | |
| Fifth Third Bank | 0.01% | 9.27% | |
| Flagstar Bank | 0.01% | 1.85% | |
| Wells Fargo Bank | 0.03% | 1.36% | |
| US Bank | 0.04% | 2.60% | |
| PNC Bank | 0.05% | 1.94% | |
| Quicken Loans | 0.10% | 10.47% | |
| loanDepot | 0.13% | 17.07% | |
| Union Home Mortgage | 0.16% | 3.50% | |
| AgCredit | 0.19% | 2.06% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Premier Bank | -0.14% | 12.07% | |
| Superior Credit Union | -0.14% | 2.43% | |
| State Bank and Trust Company | -0.11% | 8.47% | |
| JPMorgan Chase Bank | -0.08% | 8.47% | |
| Huntington National Bank | -0.08% | 11.52% | |
| Honda Federal Credit Union | -0.04% | 2.50% | |
| Citizens National Bank of Bluffton | -0.03% | 2.43% | |
| PNC Bank | -0.03% | 1.32% | |
| Fifth Third Bank | -0.02% | 7.63% | |
| US Bank | -0.02% | 2.57% | |
| Flagstar Bank | 0.00% | 2.57% | |
| Wells Fargo Bank | 0.03% | 1.67% | |
| Quicken Loans | 0.06% | 7.84% | |
| AgCredit | 0.08% | 0.90% | |
| loanDepot | 0.16% | 22.41% | |
| Union Home Mortgage | 0.17% | 5.20% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Superior Credit Union | -0.22% | 3.86% | |
| Premier Bank | -0.13% | 16.24% | |
| State Bank and Trust Company | -0.13% | 6.19% | |
| Honda Federal Credit Union | -0.12% | 5.28% | |
| Citizens National Bank of Bluffton | -0.02% | 2.44% | |
| Huntington National Bank | -0.01% | 14.31% | |
| Union Home Mortgage | 0.01% | 1.02% | |
| loanDepot | 0.02% | 9.24% | |
| Wells Fargo Bank | 0.03% | 0.91% | |
| Flagstar Bank | 0.03% | 0.81% | |
| Fifth Third Bank | 0.05% | 11.68% | |
| JPMorgan Chase Bank | 0.08% | 4.47% | |
| PNC Bank | 0.11% | 2.84% | |
| US Bank | 0.12% | 2.64% | |
| Quicken Loans | 0.13% | 14.31% | |
| AgCredit | 0.24% | 3.76% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Superior Credit Union | -0.18% | 3.75% | |
| Premier Bank | -0.13% | 17.01% | |
| State Bank and Trust Company | -0.11% | 8.38% | |
| Honda Federal Credit Union | -0.08% | 4.52% | |
| JPMorgan Chase Bank | -0.03% | 8.38% | |
| Citizens National Bank of Bluffton | -0.02% | 2.93% | |
| Huntington National Bank | 0.02% | 12.23% | |
| Fifth Third Bank | 0.03% | 10.07% | |
| Wells Fargo Bank | 0.04% | 1.59% | |
| US Bank | 0.04% | 3.13% | |
| PNC Bank | 0.06% | 2.26% | |
| Flagstar Bank | 0.09% | 1.03% | |
| loanDepot | 0.11% | 11.41% | |
| Quicken Loans | 0.17% | 7.61% | |
| Union Home Mortgage | 0.18% | 3.13% | |
| AgCredit | 0.20% | 2.57% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Premier Bank | -0.14% | 15.69% | |
| Superior Credit Union | -0.13% | 3.21% | |
| State Bank and Trust Company | -0.10% | 9.54% | |
| JPMorgan Chase Bank | -0.08% | 10.92% | |
| Honda Federal Credit Union | -0.04% | 3.30% | |
| Citizens National Bank of Bluffton | -0.02% | 3.03% | |
| PNC Bank | -0.02% | 1.65% | |
| US Bank | -0.02% | 3.21% | |
| Fifth Third Bank | 0.00% | 7.89% | |
| Wells Fargo Bank | 0.04% | 2.02% | |
| Huntington National Bank | 0.04% | 9.91% | |
| AgCredit | 0.08% | 1.19% | |
| Flagstar Bank | 0.10% | 1.47% | |
| loanDepot | 0.13% | 15.41% | |
| Quicken Loans | 0.14% | 6.79% | |
| Union Home Mortgage | 0.21% | 4.77% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Superior Credit Union | -0.21% | 4.44% | |
| State Bank and Trust Company | -0.13% | 6.89% | |
| Premier Bank | -0.13% | 18.69% | |
| Honda Federal Credit Union | -0.11% | 6.07% | |
| Citizens National Bank of Bluffton | -0.02% | 2.80% | |
| Huntington National Bank | -0.00% | 15.19% | |
| Union Home Mortgage | 0.02% | 1.05% | |
| loanDepot | 0.02% | 6.31% | |
| Flagstar Bank | 0.03% | 0.47% | |
| Wells Fargo Bank | 0.03% | 1.05% | |
| Fifth Third Bank | 0.05% | 12.85% | |
| JPMorgan Chase Bank | 0.09% | 5.14% | |
| PNC Bank | 0.12% | 3.04% | |
| US Bank | 0.12% | 3.04% | |
| Quicken Loans | 0.21% | 8.64% | |
| AgCredit | 0.25% | 4.32% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | -0.31% | 15.64% | |
| State Bank and Trust Company | -0.16% | 5.31% | |
| Fifth Third Bank | -0.11% | 6.42% | |
| Flagstar Bank | -0.09% | 5.87% | |
| Premier Bank | -0.07% | 0.84% | |
| Quicken Loans | -0.04% | 22.07% | |
| US Bank | -0.02% | 0.28% | |
| Wells Fargo Bank | 0.01% | 0.28% | |
| Union Home Mortgage | 0.10% | 4.47% | |
| loanDepot | 0.19% | 38.83% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | -0.36% | 16.48% | |
| State Bank and Trust Company | -0.18% | 6.23% | |
| Fifth Third Bank | -0.13% | 7.33% | |
| Quicken Loans | -0.12% | 10.62% | |
| Flagstar Bank | -0.10% | 6.96% | |
| Premier Bank | -0.07% | 1.10% | |
| US Bank | -0.03% | 0.37% | |
| Wells Fargo Bank | 0.01% | 0.37% | |
| Union Home Mortgage | 0.11% | 5.49% | |
| loanDepot | 0.21% | 45.05% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | -0.11% | 12.94% | |
| Union Home Mortgage | -0.02% | 1.18% | |
| State Bank and Trust Company | -0.02% | 2.35% | |
| Fifth Third Bank | -0.01% | 3.53% | |
| Flagstar Bank | -0.01% | 2.35% | |
| Quicken Loans | 0.01% | 58.82% | |
| loanDepot | 0.05% | 18.82% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | -0.07% | 10.66% | |
| Citizens National Bank of Bluffton | -0.03% | 1.64% | |
| Wells Fargo Bank | -0.03% | 0.82% | |
| Fifth Third Bank | -0.03% | 4.92% | |
| State Bank and Trust Company | -0.01% | 0.82% | |
| PNC Bank | -0.01% | 2.46% | |
| US Bank | -0.01% | 0.82% | |
| loanDepot | -0.00% | 43.44% | |
| JPMorgan Chase Bank | -0.00% | 2.46% | |
| Flagstar Bank | 0.01% | 3.28% | |
| Union Home Mortgage | 0.04% | 6.56% | |
| Quicken Loans | 0.04% | 22.13% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | -0.07% | 16.67% | |
| Fifth Third Bank | -0.04% | 5.13% | |
| Citizens National Bank of Bluffton | -0.03% | 2.56% | |
| Wells Fargo Bank | -0.03% | 1.28% | |
| State Bank and Trust Company | -0.02% | 1.28% | |
| Flagstar Bank | -0.01% | 2.56% | |
| US Bank | -0.01% | 1.28% | |
| PNC Bank | -0.01% | 1.28% | |
| JPMorgan Chase Bank | -0.01% | 3.85% | |
| Quicken Loans | 0.02% | 12.82% | |
| loanDepot | 0.02% | 41.03% | |
| Union Home Mortgage | 0.04% | 10.26% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| loanDepot | -0.05% | 47.73% | |
| PNC Bank | -0.01% | 4.55% | |
| Fifth Third Bank | -0.00% | 4.55% | |
| Flagstar Bank | 0.03% | 4.55% | |
| Quicken Loans | 0.06% | 38.64% |
* Data is compiled for the Findlay, OH commuting zone area, which comprises of counties of Hancock County, OH, Hardin County, OH, Logan County, OH, Seneca County, OH, and Wyandot County, OH. This includes cities/towns/communities of Findlay, OH as well as Tiffin, OH, McComb, OH, Bellefontaine, OH, Arlington, OH, Fostoria, OH, Rawson, OH, Upper Sandusky, OH, East Liberty, OH, Belle Center, OH, De Graff, OH, Kenton, OH, West Liberty, OH, Carey, OH, Fostoria, OH, Lakeview, OH, West Mansfield, OH, Ada, OH, Mount Victory, OH, Sycamore, OH, New Riegel, OH, Russells Point, OH, Bettsville, OH, Wharton, OH, Green Springs, OH, Dunkirk, OH, Forest, OH, Nevada, OH, Alger, OH, Bloomville, OH, and Republic, 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.
Mortgage Lender Rankings in Other Cities
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