Top Mortgage Lenders in Lima, OH

Which mortgage lender in the Lima, OH area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Lima, OH area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Lima, OH area is MyCUmortgage, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.21%. This means that MyCUmortgage provided a -0.21% lower interest rate for its customers than other lenders in Lima, OH for a similar set of borrowers. MyCUmortgage has a market share of 2.4%. On the other hand, the most popular lender in the market is Superior Credit Union Inc, with a market share of 26.9%. Superior Credit Union Inc is an average rate lender in this area, with a “Rate Difference” of -0.14% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Lima, OH area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Lima, OH is Superior Credit Union Inc. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Huntington National Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is MyCUmortgage. The cheapest VA mortgage provider is Stearns Lending. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Lima, OH

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
MyCUmortgage 1, -0.21% 2.43%
Superior Credit Union Inc 2, -0.14% 26.90%
First Federal Bank of the Midwest 3, -0.03% 12.02%
The Citizens National Bank of Bluffton 4, -0.02% 11.82%
The Union Bank Company 5, -0.01% 6.23%
Stearns Lending 6, -0.01% 1.21%
Caliber Home Loans Inc 7, -0.00% 2.15%
The State Bank and Trust Company 8, 0.03% 2.19%
Honda Federal Credit Union 9, 0.03% 2.15%
The Park National Bank 10, 0.05% 1.49%
First Financial Bank 11, 0.07% 1.29%
Us Bank 12, 0.08% 1.96%
LoanDepot 13, 0.11% 2.15%
Fifth Third Bank, National Association 14, 0.13% 4.23%
Three Rivers Federal Credit Union 15, 0.14% 1.29%
Carrington Mortgage Services 16, 0.17% 1.61%
JPMorgan Chase Bank 17, 0.17% 4.62%
Quicken Loans 18, 0.17% 7.95%
Huntington National Bank 19, 0.18% 4.42%
Amerifirst Financial Corporation 20, 0.20% 1.88%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
MyCUmortgage 1, -0.24% 3.97%
Superior Credit Union Inc 2, -0.10% 25.44%
Stearns Lending 3, -0.02% 1.81%
Caliber Home Loans Inc 4, -0.01% 3.00%
The Union Bank Company 5, -0.01% 5.51%
The Citizens National Bank of Bluffton 6, 0.00% 11.92%
First Federal Bank of the Midwest 7, 0.01% 13.59%
The State Bank and Trust Company 8, 0.01% 2.51%
Honda Federal Credit Union 9, 0.04% 2.23%
Three Rivers Federal Credit Union 10, 0.05% 0.77%
The Park National Bank 11, 0.05% 1.18%
Us Bank 12, 0.05% 2.44%
First Financial Bank 13, 0.06% 1.53%
Fifth Third Bank, National Association 14, 0.08% 3.14%
Huntington National Bank 15, 0.10% 4.32%
LoanDepot 16, 0.10% 1.67%
JPMorgan Chase Bank 17, 0.11% 4.74%
Quicken Loans 18, 0.12% 6.06%
Amerifirst Financial Corporation 19, 0.21% 2.65%
Carrington Mortgage Services 20, 0.22% 1.53%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Superior Credit Union Inc 1, -0.19% 28.78%
First Federal Bank of the Midwest 2, -0.10% 10.01%
The Citizens National Bank of Bluffton 3, -0.04% 11.71%
The Union Bank Company 4, -0.02% 7.15%
Honda Federal Credit Union 5, 0.00% 2.06%
MyCUmortgage 6, 0.01% 0.45%
Caliber Home Loans Inc 7, 0.03% 1.07%
Stearns Lending 8, 0.04% 0.45%
The Park National Bank 9, 0.05% 1.88%
The State Bank and Trust Company 10, 0.05% 1.79%
First Financial Bank 11, 0.09% 0.98%
Carrington Mortgage Services 12, 0.10% 1.70%
Amerifirst Financial Corporation 13, 0.11% 0.89%
LoanDepot 14, 0.13% 2.77%
Us Bank 15, 0.15% 1.34%
Fifth Third Bank, National Association 16, 0.18% 5.63%
Three Rivers Federal Credit Union 17, 0.20% 1.97%
Quicken Loans 18, 0.21% 10.37%
JPMorgan Chase Bank 19, 0.24% 4.47%
Huntington National Bank 20, 0.28% 4.56%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Superior Credit Union Inc 1, -0.14% 32.47%
First Federal Bank of the Midwest 2, -0.02% 14.46%
The Citizens National Bank of Bluffton 3, -0.01% 12.90%
The Union Bank Company 4, -0.01% 6.95%
Honda Federal Credit Union 5, 0.03% 2.60%
The State Bank and Trust Company 6, 0.03% 2.41%
The Park National Bank 7, 0.05% 1.80%
Carrington Mortgage Services 8, 0.07% 0.14%
First Financial Bank 9, 0.08% 1.51%
Us Bank 10, 0.09% 2.13%
LoanDepot 11, 0.13% 1.04%
Caliber Home Loans Inc 12, 0.14% 0.61%
Fifth Third Bank, National Association 13, 0.14% 4.87%
Three Rivers Federal Credit Union 14, 0.15% 1.56%
Amerifirst Financial Corporation 15, 0.16% 0.66%
JPMorgan Chase Bank 16, 0.18% 5.29%
Huntington National Bank 17, 0.24% 4.25%
Quicken Loans 18, 0.29% 4.35%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Superior Credit Union Inc 1, -0.10% 32.16%
The Union Bank Company 2, -0.01% 5.99%
The Citizens National Bank of Bluffton 3, 0.01% 12.86%
First Federal Bank of the Midwest 4, 0.01% 17.09%
The State Bank and Trust Company 5, 0.01% 2.82%
Honda Federal Credit Union 6, 0.04% 2.82%
Us Bank 7, 0.05% 2.64%
Three Rivers Federal Credit Union 8, 0.05% 0.97%
The Park National Bank 9, 0.05% 1.50%
First Financial Bank 10, 0.06% 1.85%
Fifth Third Bank, National Association 11, 0.08% 3.79%
LoanDepot 12, 0.10% 1.06%
JPMorgan Chase Bank 13, 0.11% 5.55%
Caliber Home Loans Inc 14, 0.13% 0.97%
Huntington National Bank 15, 0.16% 3.88%
Amerifirst Financial Corporation 16, 0.17% 0.88%
Quicken Loans 17, 0.18% 3.17%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Superior Credit Union Inc 1, -0.18% 32.82%
First Federal Bank of the Midwest 2, -0.08% 11.42%
The Citizens National Bank of Bluffton 3, -0.03% 12.95%
The Union Bank Company 4, -0.01% 8.05%
Honda Federal Credit Union 5, 0.01% 2.34%
The Park National Bank 6, 0.06% 2.14%
The State Bank and Trust Company 7, 0.06% 1.94%
Caliber Home Loans Inc 8, 0.08% 0.20%
Carrington Mortgage Services 9, 0.09% 0.31%
First Financial Bank 10, 0.10% 1.12%
Amerifirst Financial Corporation 11, 0.10% 0.41%
Us Bank 12, 0.16% 1.53%
LoanDepot 13, 0.16% 1.02%
Fifth Third Bank, National Association 14, 0.19% 6.12%
Three Rivers Federal Credit Union 15, 0.21% 2.24%
JPMorgan Chase Bank 16, 0.26% 4.99%
Huntington National Bank 17, 0.32% 4.69%
Quicken Loans 18, 0.37% 5.71%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
MyCUmortgage 1, -0.23% 18.45%
Caliber Home Loans Inc 2, -0.09% 9.23%
Huntington National Bank 3, -0.06% 5.95%
Stearns Lending 4, -0.02% 6.25%
The Union Bank Company 5, 0.00% 3.27%
The Citizens National Bank of Bluffton 6, 0.01% 5.65%
The State Bank and Trust Company 7, 0.03% 0.30%
First Federal Bank of the Midwest 8, 0.03% 0.30%
Fifth Third Bank, National Association 9, 0.03% 0.60%
Quicken Loans 10, 0.05% 26.79%
Us Bank 11, 0.09% 1.19%
LoanDepot 12, 0.12% 6.25%
Carrington Mortgage Services 13, 0.16% 7.74%
Amerifirst Financial Corporation 14, 0.23% 8.04%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
MyCUmortgage 1, -0.23% 23.55%
Caliber Home Loans Inc 2, -0.09% 10.74%
Huntington National Bank 3, -0.06% 7.02%
Stearns Lending 4, -0.01% 7.44%
The Union Bank Company 5, 0.02% 4.13%
The Citizens National Bank of Bluffton 6, 0.02% 7.02%
The State Bank and Trust Company 7, 0.05% 0.41%
First Federal Bank of the Midwest 8, 0.05% 0.41%
Fifth Third Bank, National Association 9, 0.06% 0.41%
Quicken Loans 10, 0.10% 17.36%
Us Bank 11, 0.11% 1.65%
LoanDepot 12, 0.12% 4.55%
Carrington Mortgage Services 13, 0.24% 6.20%
Amerifirst Financial Corporation 14, 0.28% 9.09%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
MyCUmortgage 1, -0.07% 5.32%
Huntington National Bank 2, -0.05% 3.19%
Caliber Home Loans Inc 3, -0.05% 5.32%
The Citizens National Bank of Bluffton 4, -0.04% 2.13%
Stearns Lending 5, -0.04% 3.19%
The Union Bank Company 6, -0.02% 1.06%
Fifth Third Bank, National Association 7, -0.02% 1.06%
Quicken Loans 8, -0.01% 51.06%
Carrington Mortgage Services 9, 0.03% 11.70%
Amerifirst Financial Corporation 10, 0.07% 5.32%
LoanDepot 11, 0.08% 10.64%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.01% 50.00%
JPMorgan Chase Bank 2, 0.01% 50.00%
Insufficient data available.
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.01% 50.00%
JPMorgan Chase Bank 2, 0.01% 50.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stearns Lending 1, -0.08% 10.00%
The Citizens National Bank of Bluffton 2, -0.06% 10.00%
The State Bank and Trust Company 3, -0.04% 4.00%
Caliber Home Loans Inc 4, -0.02% 11.00%
Fifth Third Bank, National Association 5, -0.01% 3.00%
The Union Bank Company 6, -0.00% 1.00%
Huntington National Bank 7, -0.00% 2.00%
First Financial Bank 8, -0.00% 1.00%
Us Bank 9, 0.00% 1.00%
JPMorgan Chase Bank 10, 0.00% 5.00%
LoanDepot 11, 0.00% 12.00%
Amerifirst Financial Corporation 12, 0.02% 7.00%
Quicken Loans 13, 0.02% 21.00%
Carrington Mortgage Services 14, 0.10% 12.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stearns Lending 1, -0.09% 13.79%
The Citizens National Bank of Bluffton 2, -0.07% 13.79%
The State Bank and Trust Company 3, -0.04% 5.17%
Quicken Loans 4, -0.01% 15.52%
Fifth Third Bank, National Association 5, -0.00% 1.72%
The Union Bank Company 6, -0.00% 1.72%
First Financial Bank 7, 0.00% 1.72%
Us Bank 8, 0.00% 1.72%
JPMorgan Chase Bank 9, 0.01% 8.62%
Huntington National Bank 10, 0.01% 1.72%
LoanDepot 11, 0.02% 1.72%
Caliber Home Loans Inc 12, 0.02% 10.34%
Amerifirst Financial Corporation 13, 0.03% 10.34%
Carrington Mortgage Services 14, 0.16% 12.07%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.07% 11.90%
Stearns Lending 2, -0.04% 4.76%
The Citizens National Bank of Bluffton 3, -0.03% 4.76%
Huntington National Bank 4, -0.02% 2.38%
The State Bank and Trust Company 5, -0.02% 2.38%
Fifth Third Bank, National Association 6, -0.02% 4.76%
Amerifirst Financial Corporation 7, -0.01% 2.38%
LoanDepot 8, -0.00% 26.19%
Carrington Mortgage Services 9, 0.02% 11.90%
Quicken Loans 10, 0.04% 28.57%

* Data is compiled for the Lima, OH commuting zone area, which comprises of counties of Allen County, OH, Auglaize County, OH, Mercer County, OH, Putnam County, OH, and Van Wert County, OH. This includes cities/towns/communities of Lima, OH as well as St. Marys, OH, Fort Shawnee, OH, Elida, OH, Wapakoneta, OH, Ottawa, OH, Celina, OH, Delphos, OH, Van Wert, OH, Spencerville, OH, Continental, OH, Kalida, OH, Waynesfield, OH, Bluffton, OH, Ottoville, OH, Cridersville, OH, Lafayette, OH, Leipsic, OH, Cairo, OH, Coldwater, OH, Middle Point, OH, Columbus Grove, OH, Convoy, OH, Pandora, OH, New Knoxville, OH, Harrod, OH, Delphos, OH, St. Henry, OH, Fort Recovery, OH, Rockford, OH, New Bremen, OH, Minster, OH, Montezuma, OH, Ohio City, OH, and Willshire, OH. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from 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 based on the MSA, 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 for Other Cities

This page ranks the top mortgage lenders in the Lima, OH area. For mortgage lender rankings of other cities, click here.