Top Mortgage Lenders in the North Ridgeville, OH area

Which mortgage lender in the North Ridgeville, OH area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the North Ridgeville, 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 North Ridgeville, OH area is Third Federal Savings and Loan, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.28%. This means that Third Federal Savings and Loan provided a -0.28% lower interest rate for its customers than other lenders in North Ridgeville, OH for a similar set of borrowers. Third Federal Savings and Loan has a market share of 5.9%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 12.3%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.12% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the North Ridgeville, OH area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in North Ridgeville, OH is Third Federal Savings and Loan. 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 Fifth Third Bank, National Association. 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. 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.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Third Federal Savings and Loan 1, -0.28% 5.91%
First Federal Savings and Loan Association of Lorain 2, -0.18% 2.29%
Howard Hanna Mortgage Services 3, -0.15% 5.23%
Northwest Bank 4, -0.14% 1.77%
First Federal Savings and Loan Association of Lakewood 5, -0.11% 3.88%
Usaa Federal Savings Bank 6, -0.10% 0.93%
JPMorgan Chase Bank 7, -0.07% 2.07%
Navy Federal Credit Union 8, -0.07% 0.85%
Huntington National Bank 9, -0.07% 6.51%
First National Bank 10, -0.06% 0.52%
Fifth Third Bank, National Association 11, -0.05% 6.48%
Civista Bank 12, -0.05% 3.05%
First National Bank of Pennsylvania 13, -0.04% 0.91%
KeyBank National Association 14, -0.03% 3.94%
Pnc Bank 15, -0.02% 2.77%
K Hovnanian American Mortgage 16, -0.01% 0.76%
Citizens Bank 17, -0.01% 1.23%
Bank of England 18, 0.00% 0.82%
Home Savings Bank 19, 0.01% 1.06%
Carrington Mortgage Services 20, 0.02% 0.54%
Home Point Financial Corporation 21, 0.02% 0.54%
Mid America Mortgage Inc 22, 0.03% 0.48%
Us Bank 23, 0.03% 1.87%
Nations Lending Corporation 24, 0.03% 1.02%
LoanDepot 25, 0.03% 1.63%
Chemecal Bank 26, 0.03% 0.58%
Dollar Bank, Fsb 27, 0.05% 2.08%
Wells Fargo Bank 28, 0.05% 1.33%
Fairway Independent Mort Corp 29, 0.05% 2.47%
Flagstar Bank 30, 0.06% 0.73%
Union Capital Mortgage Corp 31, 0.07% 0.60%
Freedom Mortgage Corporation 32, 0.07% 1.47%
Amerifirst Financial Corporation 33, 0.08% 0.66%
NVR Mortgage Finance Inc 34, 0.09% 3.79%
RPM Mortgage 35, 0.11% 5.88%
Newrez 36, 0.11% 2.31%
Liberty Home Mortgage Corp 37, 0.12% 0.90%
Gold Star Mortgage Financial Group, Corporation 38, 0.12% 0.49%
Quicken Loans 39, 0.12% 12.32%
Nationstar Mortgage 40, 0.15% 0.88%
American Midwest Mortgage Corp 41, 0.16% 2.50%
Union Home Mortgage Company 42, 0.22% 3.92%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Third Federal Savings and Loan 1, -0.28% 6.01%
Howard Hanna Mortgage Services 2, -0.15% 7.88%
Usaa Federal Savings Bank 3, -0.12% 1.21%
JPMorgan Chase Bank 4, -0.12% 1.73%
First Federal Savings and Loan Association of Lorain 5, -0.11% 1.89%
Northwest Bank 6, -0.09% 0.99%
Huntington National Bank 7, -0.09% 6.25%
Fifth Third Bank, National Association 8, -0.08% 4.57%
First Federal Savings and Loan Association of Lakewood 9, -0.08% 3.74%
Navy Federal Credit Union 10, -0.08% 1.06%
Pnc Bank 11, -0.07% 2.34%
Dollar Bank, Fsb 12, -0.06% 1.42%
KeyBank National Association 13, -0.04% 3.12%
First National Bank of Pennsylvania 14, -0.04% 1.06%
Civista Bank 15, -0.04% 3.62%
Wells Fargo Bank 16, -0.02% 1.23%
Us Bank 17, -0.02% 1.42%
First National Bank 18, -0.02% 0.35%
K Hovnanian American Mortgage 19, -0.01% 1.21%
LoanDepot 20, 0.01% 0.92%
Bank of England 21, 0.01% 1.04%
Citizens Bank 22, 0.01% 1.23%
Home Savings Bank 23, 0.01% 0.78%
Home Point Financial Corporation 24, 0.02% 0.54%
Carrington Mortgage Services 25, 0.03% 0.07%
Chemecal Bank 26, 0.04% 0.66%
Nations Lending Corporation 27, 0.04% 0.95%
Mid America Mortgage Inc 28, 0.04% 0.52%
Fairway Independent Mort Corp 29, 0.05% 3.53%
Quicken Loans 30, 0.07% 6.55%
Flagstar Bank 31, 0.08% 0.88%
Union Capital Mortgage Corp 32, 0.08% 0.73%
Freedom Mortgage Corporation 33, 0.08% 1.59%
NVR Mortgage Finance Inc 34, 0.10% 5.99%
Amerifirst Financial Corporation 35, 0.10% 0.85%
RPM Mortgage 36, 0.13% 8.26%
Gold Star Mortgage Financial Group, Corporation 37, 0.14% 0.69%
Newrez 38, 0.14% 2.86%
Liberty Home Mortgage Corp 39, 0.14% 1.25%
Nationstar Mortgage 40, 0.18% 0.33%
American Midwest Mortgage Corp 41, 0.18% 3.34%
Union Home Mortgage Company 42, 0.27% 5.32%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Third Federal Savings and Loan 1, -0.29% 5.75%
First Federal Savings and Loan Association of Lorain 2, -0.27% 2.98%
Northwest Bank 3, -0.17% 3.10%
First Federal Savings and Loan Association of Lakewood 4, -0.15% 4.12%
Howard Hanna Mortgage Services 5, -0.10% 0.65%
First National Bank 6, -0.10% 0.82%
Civista Bank 7, -0.06% 2.08%
Union Home Mortgage Company 8, -0.06% 1.51%
Citizens Bank 9, -0.04% 1.22%
First National Bank of Pennsylvania 10, -0.04% 0.65%
Huntington National Bank 11, -0.04% 6.97%
Usaa Federal Savings Bank 12, -0.04% 0.45%
Navy Federal Credit Union 13, -0.03% 0.49%
JPMorgan Chase Bank 14, -0.03% 2.65%
KeyBank National Association 15, -0.02% 5.34%
Liberty Home Mortgage Corp 16, -0.02% 0.29%
Fifth Third Bank, National Association 17, -0.02% 9.78%
Mid America Mortgage Inc 18, -0.01% 0.41%
Bank of England 19, -0.00% 0.45%
Amerifirst Financial Corporation 20, 0.00% 0.33%
RPM Mortgage 21, 0.00% 1.79%
Nations Lending Corporation 22, 0.00% 1.14%
Carrington Mortgage Services 23, 0.01% 1.35%
Home Savings Bank 24, 0.01% 1.55%
Home Point Financial Corporation 25, 0.02% 0.53%
Flagstar Bank 26, 0.02% 0.49%
Newrez 27, 0.02% 1.35%
Chemecal Bank 28, 0.03% 0.45%
Gold Star Mortgage Financial Group, Corporation 29, 0.04% 0.16%
LoanDepot 30, 0.04% 2.85%
Pnc Bank 31, 0.04% 3.51%
Fairway Independent Mort Corp 32, 0.05% 0.65%
Union Capital Mortgage Corp 33, 0.05% 0.37%
Freedom Mortgage Corporation 34, 0.05% 1.26%
American Midwest Mortgage Corp 35, 0.05% 1.06%
Us Bank 36, 0.06% 2.65%
Dollar Bank, Fsb 37, 0.12% 3.22%
Nationstar Mortgage 38, 0.14% 1.83%
Wells Fargo Bank 39, 0.14% 1.51%
Quicken Loans 40, 0.14% 22.26%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Third Federal Savings and Loan 1, -0.28% 8.21%
Howard Hanna Mortgage Services 2, -0.19% 5.36%
First Federal Savings and Loan Association of Lorain 3, -0.18% 3.19%
Northwest Bank 4, -0.14% 2.38%
First Federal Savings and Loan Association of Lakewood 5, -0.11% 4.77%
JPMorgan Chase Bank 6, -0.07% 2.83%
First National Bank 7, -0.05% 0.73%
First National Bank of Pennsylvania 8, -0.04% 1.04%
Civista Bank 9, -0.04% 3.92%
Fifth Third Bank, National Association 10, -0.03% 8.19%
KeyBank National Association 11, -0.03% 5.04%
Huntington National Bank 12, -0.02% 7.13%
Pnc Bank 13, -0.01% 3.63%
Citizens Bank 14, -0.00% 1.40%
K Hovnanian American Mortgage 15, 0.01% 0.56%
Mid America Mortgage Inc 16, 0.02% 0.25%
Usaa Federal Savings Bank 17, 0.02% 0.23%
Home Savings Bank 18, 0.02% 1.38%
Bank of England 19, 0.03% 0.52%
Home Point Financial Corporation 20, 0.03% 0.21%
Us Bank 21, 0.03% 2.31%
Fairway Independent Mort Corp 22, 0.04% 2.08%
Carrington Mortgage Services 23, 0.04% 0.17%
Chemecal Bank 24, 0.05% 0.56%
Wells Fargo Bank 25, 0.05% 1.77%
Dollar Bank, Fsb 26, 0.06% 2.69%
LoanDepot 27, 0.06% 1.25%
Navy Federal Credit Union 28, 0.07% 0.46%
Union Capital Mortgage Corp 29, 0.09% 0.71%
Amerifirst Financial Corporation 30, 0.09% 0.44%
Nations Lending Corporation 31, 0.09% 0.54%
Flagstar Bank 32, 0.11% 0.52%
NVR Mortgage Finance Inc 33, 0.13% 3.88%
Freedom Mortgage Corporation 34, 0.14% 0.69%
American Midwest Mortgage Corp 35, 0.15% 1.46%
Gold Star Mortgage Financial Group, Corporation 36, 0.16% 0.50%
RPM Mortgage 37, 0.17% 2.83%
Newrez 38, 0.19% 1.65%
Liberty Home Mortgage Corp 39, 0.20% 0.31%
Quicken Loans 40, 0.21% 10.21%
Nationstar Mortgage 41, 0.23% 0.40%
Union Home Mortgage Company 42, 0.25% 3.63%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Third Federal Savings and Loan 1, -0.27% 8.99%
Howard Hanna Mortgage Services 2, -0.19% 8.60%
JPMorgan Chase Bank 3, -0.11% 2.56%
First Federal Savings and Loan Association of Lorain 4, -0.10% 2.84%
Northwest Bank 5, -0.09% 1.39%
First Federal Savings and Loan Association of Lakewood 6, -0.07% 4.69%
Pnc Bank 7, -0.07% 3.23%
Fifth Third Bank, National Association 8, -0.06% 5.51%
Dollar Bank, Fsb 9, -0.06% 1.81%
First National Bank of Pennsylvania 10, -0.04% 1.28%
KeyBank National Association 11, -0.04% 4.05%
Civista Bank 12, -0.03% 4.94%
Wells Fargo Bank 13, -0.01% 1.71%
Huntington National Bank 14, -0.01% 6.93%
Us Bank 15, -0.01% 1.74%
First National Bank 16, -0.01% 0.53%
K Hovnanian American Mortgage 17, 0.02% 0.96%
Usaa Federal Savings Bank 18, 0.03% 0.36%
Citizens Bank 19, 0.03% 1.39%
Home Savings Bank 20, 0.03% 1.00%
Mid America Mortgage Inc 21, 0.04% 0.25%
Carrington Mortgage Services 22, 0.04% 0.04%
Fairway Independent Mort Corp 23, 0.04% 3.13%
Bank of England 24, 0.05% 0.60%
Home Point Financial Corporation 25, 0.05% 0.21%
LoanDepot 26, 0.05% 0.53%
Chemecal Bank 27, 0.07% 0.57%
Navy Federal Credit Union 28, 0.08% 0.60%
Union Capital Mortgage Corp 29, 0.10% 0.92%
Nations Lending Corporation 30, 0.11% 0.64%
Amerifirst Financial Corporation 31, 0.12% 0.53%
Flagstar Bank 32, 0.13% 0.71%
NVR Mortgage Finance Inc 33, 0.14% 6.61%
Freedom Mortgage Corporation 34, 0.17% 0.85%
Gold Star Mortgage Financial Group, Corporation 35, 0.17% 0.78%
American Midwest Mortgage Corp 36, 0.17% 1.85%
Quicken Loans 37, 0.18% 5.26%
Liberty Home Mortgage Corp 38, 0.21% 0.53%
RPM Mortgage 39, 0.22% 3.84%
Newrez 40, 0.24% 2.10%
Union Home Mortgage Company 41, 0.33% 4.91%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Third Federal Savings and Loan 1, -0.29% 7.10%
First Federal Savings and Loan Association of Lorain 2, -0.26% 3.68%
Northwest Bank 3, -0.17% 3.78%
First Federal Savings and Loan Association of Lakewood 4, -0.15% 4.88%
Howard Hanna Mortgage Services 5, -0.10% 0.76%
First National Bank 6, -0.09% 1.01%
Civista Bank 7, -0.06% 2.47%
Union Home Mortgage Company 8, -0.06% 1.81%
Citizens Bank 9, -0.04% 1.41%
First National Bank of Pennsylvania 10, -0.04% 0.70%
Huntington National Bank 11, -0.04% 7.40%
JPMorgan Chase Bank 12, -0.03% 3.22%
KeyBank National Association 13, -0.02% 6.45%
Fifth Third Bank, National Association 14, -0.02% 11.98%
Mid America Mortgage Inc 15, -0.02% 0.25%
Amerifirst Financial Corporation 16, -0.00% 0.30%
Bank of England 17, 0.00% 0.40%
Home Point Financial Corporation 18, 0.00% 0.20%
RPM Mortgage 19, 0.00% 1.41%
Usaa Federal Savings Bank 20, 0.00% 0.05%
Home Savings Bank 21, 0.02% 1.91%
Navy Federal Credit Union 22, 0.02% 0.25%
Carrington Mortgage Services 23, 0.03% 0.35%
Chemecal Bank 24, 0.03% 0.55%
Newrez 25, 0.03% 1.01%
Flagstar Bank 26, 0.03% 0.25%
Gold Star Mortgage Financial Group, Corporation 27, 0.04% 0.10%
Fairway Independent Mort Corp 28, 0.04% 0.60%
Freedom Mortgage Corporation 29, 0.05% 0.45%
Pnc Bank 30, 0.05% 4.18%
Nations Lending Corporation 31, 0.05% 0.40%
Union Capital Mortgage Corp 32, 0.05% 0.40%
LoanDepot 33, 0.06% 2.27%
Us Bank 34, 0.07% 3.12%
American Midwest Mortgage Corp 35, 0.07% 0.91%
Dollar Bank, Fsb 36, 0.13% 3.93%
Wells Fargo Bank 37, 0.14% 1.86%
Nationstar Mortgage 38, 0.22% 0.96%
Quicken Loans 39, 0.22% 17.22%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.29% 5.20%
Fifth Third Bank, National Association 2, -0.18% 2.18%
First Federal Savings and Loan Association of Lakewood 3, -0.12% 1.34%
Civista Bank 4, -0.08% 0.70%
Home Savings Bank 5, -0.08% 0.35%
Howard Hanna Mortgage Services 6, -0.07% 5.48%
Citizens Bank 7, -0.06% 0.70%
KeyBank National Association 8, -0.06% 1.12%
Dollar Bank, Fsb 9, -0.06% 0.42%
K Hovnanian American Mortgage 10, -0.05% 0.91%
First National Bank of Pennsylvania 11, -0.05% 0.49%
Quicken Loans 12, -0.04% 18.97%
Bank of England 13, -0.04% 1.55%
Nations Lending Corporation 14, -0.03% 2.46%
Navy Federal Credit Union 15, -0.03% 0.21%
Northwest Bank 16, -0.03% 0.07%
Chemecal Bank 17, -0.02% 0.77%
Us Bank 18, -0.02% 0.63%
Pnc Bank 19, -0.02% 0.28%
LoanDepot 20, -0.02% 2.18%
NVR Mortgage Finance Inc 21, -0.02% 3.58%
Union Capital Mortgage Corp 22, -0.02% 0.42%
Home Point Financial Corporation 23, -0.00% 1.26%
Flagstar Bank 24, 0.00% 1.26%
Carrington Mortgage Services 25, 0.01% 1.12%
Newrez 26, 0.02% 4.15%
Freedom Mortgage Corporation 27, 0.02% 3.44%
Mid America Mortgage Inc 28, 0.02% 1.12%
Gold Star Mortgage Financial Group, Corporation 29, 0.03% 0.56%
RPM Mortgage 30, 0.06% 16.58%
Fairway Independent Mort Corp 31, 0.07% 3.94%
Amerifirst Financial Corporation 32, 0.07% 1.41%
Liberty Home Mortgage Corp 33, 0.08% 2.88%
Nationstar Mortgage 34, 0.11% 2.32%
Union Home Mortgage Company 35, 0.18% 4.50%
American Midwest Mortgage Corp 36, 0.20% 5.41%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.34% 5.49%
Fifth Third Bank, National Association 2, -0.19% 2.70%
First Federal Savings and Loan Association of Lakewood 3, -0.13% 1.53%
Quicken Loans 4, -0.08% 9.90%
Civista Bank 5, -0.08% 0.90%
Home Savings Bank 6, -0.08% 0.45%
Howard Hanna Mortgage Services 7, -0.08% 7.02%
Dollar Bank, Fsb 8, -0.07% 0.45%
KeyBank National Association 9, -0.07% 1.26%
Citizens Bank 10, -0.07% 0.90%
K Hovnanian American Mortgage 11, -0.05% 1.17%
First National Bank of Pennsylvania 12, -0.05% 0.63%
LoanDepot 13, -0.04% 1.89%
Bank of England 14, -0.04% 1.89%
Navy Federal Credit Union 15, -0.03% 0.27%
Nations Lending Corporation 16, -0.03% 1.80%
Us Bank 17, -0.03% 0.54%
Northwest Bank 18, -0.03% 0.09%
Pnc Bank 19, -0.02% 0.27%
Chemecal Bank 20, -0.02% 0.99%
NVR Mortgage Finance Inc 21, -0.02% 4.59%
Union Capital Mortgage Corp 22, -0.02% 0.45%
Home Point Financial Corporation 23, -0.02% 1.08%
Flagstar Bank 24, -0.01% 1.35%
Carrington Mortgage Services 25, 0.01% 0.18%
Freedom Mortgage Corporation 26, 0.01% 3.15%
Newrez 27, 0.02% 4.41%
Gold Star Mortgage Financial Group, Corporation 28, 0.03% 0.54%
Mid America Mortgage Inc 29, 0.03% 1.17%
RPM Mortgage 30, 0.06% 20.07%
Fairway Independent Mort Corp 31, 0.06% 4.68%
Amerifirst Financial Corporation 32, 0.07% 1.62%
Liberty Home Mortgage Corp 33, 0.10% 3.06%
Nationstar Mortgage 34, 0.16% 1.26%
Union Home Mortgage Company 35, 0.18% 5.67%
American Midwest Mortgage Corp 36, 0.21% 6.57%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.06% 4.17%
Nations Lending Corporation 2, -0.03% 4.81%
Liberty Home Mortgage Corp 3, -0.03% 2.24%
KeyBank National Association 4, -0.02% 0.64%
Quicken Loans 5, -0.01% 51.28%
First Federal Savings and Loan Association of Lakewood 6, -0.01% 0.64%
Mid America Mortgage Inc 7, -0.01% 0.96%
Dollar Bank, Fsb 8, -0.01% 0.32%
Pnc Bank 9, -0.00% 0.32%
Union Home Mortgage Company 10, -0.00% 0.32%
RPM Mortgage 11, -0.00% 4.17%
Us Bank 12, -0.00% 0.96%
Union Capital Mortgage Corp 13, 0.00% 0.32%
Fifth Third Bank, National Association 14, 0.00% 0.32%
Bank of England 15, 0.01% 0.32%
Amerifirst Financial Corporation 16, 0.01% 0.64%
Carrington Mortgage Services 17, 0.01% 4.49%
Newrez 18, 0.01% 3.21%
Home Point Financial Corporation 19, 0.02% 1.92%
American Midwest Mortgage Corp 20, 0.04% 1.28%
LoanDepot 21, 0.04% 3.21%
Gold Star Mortgage Financial Group, Corporation 22, 0.04% 0.64%
Flagstar Bank 23, 0.04% 0.96%
Freedom Mortgage Corporation 24, 0.05% 4.49%
Fairway Independent Mort Corp 25, 0.06% 1.28%
Nationstar Mortgage 26, 0.08% 6.09%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fifth Third Bank, National Association 1, -0.02% 7.50%
Huntington National Bank 2, -0.02% 5.00%
NVR Mortgage Finance Inc 3, -0.02% 5.00%
First Federal Savings and Loan Association of Lakewood 4, -0.01% 10.00%
Wells Fargo Bank 5, -0.01% 5.00%
Third Federal Savings and Loan 6, -0.01% 2.50%
KeyBank National Association 7, -0.00% 7.50%
Pnc Bank 8, -0.00% 10.00%
Howard Hanna Mortgage Services 9, 0.01% 5.00%
Civista Bank 10, 0.01% 2.50%
Northwest Bank 11, 0.01% 2.50%
Citizens Bank 12, 0.01% 10.00%
First National Bank of Pennsylvania 13, 0.01% 7.50%
Us Bank 14, 0.01% 5.00%
Navy Federal Credit Union 15, 0.01% 2.50%
Quicken Loans 16, 0.02% 2.50%
Dollar Bank, Fsb 17, 0.03% 10.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fifth Third Bank, National Association 1, -0.03% 10.00%
NVR Mortgage Finance Inc 2, -0.02% 6.67%
First Federal Savings and Loan Association of Lakewood 3, -0.01% 6.67%
Wells Fargo Bank 4, -0.01% 6.67%
Third Federal Savings and Loan 5, -0.01% 3.33%
KeyBank National Association 6, -0.01% 6.67%
Pnc Bank 7, -0.00% 6.67%
Howard Hanna Mortgage Services 8, 0.00% 6.67%
Civista Bank 9, 0.00% 3.33%
Northwest Bank 10, 0.00% 3.33%
First National Bank of Pennsylvania 11, 0.01% 3.33%
Us Bank 12, 0.01% 6.67%
Citizens Bank 13, 0.01% 10.00%
Navy Federal Credit Union 14, 0.01% 3.33%
Quicken Loans 15, 0.01% 3.33%
Dollar Bank, Fsb 16, 0.02% 13.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.02% 20.00%
First Federal Savings and Loan Association of Lakewood 2, -0.01% 20.00%
Pnc Bank 3, 0.00% 20.00%
Citizens Bank 4, 0.01% 10.00%
KeyBank National Association 5, 0.01% 10.00%
First National Bank of Pennsylvania 6, 0.01% 20.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.18% 7.43%
Usaa Federal Savings Bank 2, -0.14% 12.23%
K Hovnanian American Mortgage 3, -0.05% 2.64%
First Federal Savings and Loan Association of Lakewood 4, -0.02% 1.68%
First National Bank of Pennsylvania 5, -0.02% 0.24%
Civista Bank 6, -0.01% 1.20%
Wells Fargo Bank 7, -0.01% 0.48%
Us Bank 8, -0.01% 0.72%
LoanDepot 9, -0.01% 4.32%
Carrington Mortgage Services 10, -0.01% 2.88%
Bank of England 11, -0.01% 1.92%
Northwest Bank 12, -0.00% 0.48%
Mid America Mortgage Inc 13, -0.00% 0.96%
Flagstar Bank 14, -0.00% 1.44%
Pnc Bank 15, -0.00% 0.72%
Howard Hanna Mortgage Services 16, 0.00% 2.88%
Amerifirst Financial Corporation 17, 0.00% 0.72%
Nations Lending Corporation 18, 0.00% 1.68%
Fifth Third Bank, National Association 19, 0.00% 1.44%
Fairway Independent Mort Corp 20, 0.00% 2.16%
Citizens Bank 21, 0.00% 0.24%
Huntington National Bank 22, 0.01% 4.08%
Chemecal Bank 23, 0.01% 0.24%
American Midwest Mortgage Corp 24, 0.01% 4.80%
NVR Mortgage Finance Inc 25, 0.01% 3.36%
Gold Star Mortgage Financial Group, Corporation 26, 0.02% 0.24%
JPMorgan Chase Bank 27, 0.02% 0.48%
Home Point Financial Corporation 28, 0.02% 1.92%
KeyBank National Association 29, 0.02% 0.48%
Newrez 30, 0.04% 3.84%
Freedom Mortgage Corporation 31, 0.05% 3.84%
Nationstar Mortgage 32, 0.06% 1.68%
Liberty Home Mortgage Corp 33, 0.07% 0.96%
RPM Mortgage 34, 0.08% 5.04%
Union Home Mortgage Company 35, 0.09% 5.76%
Quicken Loans 36, 0.12% 14.87%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.20% 8.82%
Usaa Federal Savings Bank 2, -0.15% 15.07%
K Hovnanian American Mortgage 3, -0.03% 4.04%
Huntington National Bank 4, -0.01% 2.94%
LoanDepot 5, -0.00% 1.10%
First Federal Savings and Loan Association of Lakewood 6, 0.00% 2.57%
First National Bank of Pennsylvania 7, 0.00% 0.37%
Wells Fargo Bank 8, 0.01% 0.74%
Us Bank 9, 0.01% 1.10%
Civista Bank 10, 0.01% 1.10%
Bank of England 11, 0.01% 2.21%
Mid America Mortgage Inc 12, 0.02% 0.74%
Pnc Bank 13, 0.02% 1.10%
Northwest Bank 14, 0.02% 0.37%
Howard Hanna Mortgage Services 15, 0.02% 4.04%
Amerifirst Financial Corporation 16, 0.02% 1.10%
Fifth Third Bank, National Association 17, 0.02% 1.84%
Fairway Independent Mort Corp 18, 0.02% 3.31%
JPMorgan Chase Bank 19, 0.02% 0.37%
Chemecal Bank 20, 0.03% 0.37%
NVR Mortgage Finance Inc 21, 0.03% 5.15%
Gold Star Mortgage Financial Group, Corporation 22, 0.03% 0.37%
Home Point Financial Corporation 23, 0.04% 1.84%
American Midwest Mortgage Corp 24, 0.04% 5.88%
Nations Lending Corporation 25, 0.04% 0.74%
KeyBank National Association 26, 0.04% 0.74%
Flagstar Bank 27, 0.06% 0.74%
Newrez 28, 0.07% 4.78%
Freedom Mortgage Corporation 29, 0.07% 2.94%
Liberty Home Mortgage Corp 30, 0.09% 1.47%
Quicken Loans 31, 0.10% 6.62%
Union Home Mortgage Company 32, 0.11% 8.82%
RPM Mortgage 33, 0.12% 6.62%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.11% 4.83%
Usaa Federal Savings Bank 2, -0.08% 6.90%
Flagstar Bank 3, -0.06% 2.76%
Civista Bank 4, -0.06% 1.38%
LoanDepot 5, -0.05% 10.34%
Carrington Mortgage Services 6, -0.05% 8.28%
American Midwest Mortgage Corp 7, -0.05% 2.76%
RPM Mortgage 8, -0.05% 2.07%
Northwest Bank 9, -0.04% 0.69%
Bank of England 10, -0.04% 1.38%
Mid America Mortgage Inc 11, -0.04% 1.38%
Nations Lending Corporation 12, -0.04% 3.45%
Newrez 13, -0.03% 2.07%
Fifth Third Bank, National Association 14, -0.03% 0.69%
Citizens Bank 15, -0.03% 0.69%
Howard Hanna Mortgage Services 16, -0.03% 0.69%
Home Point Financial Corporation 17, -0.02% 2.07%
JPMorgan Chase Bank 18, -0.01% 0.69%
Huntington National Bank 19, 0.00% 6.21%
Freedom Mortgage Corporation 20, 0.01% 5.52%
Nationstar Mortgage 21, 0.02% 4.83%
Quicken Loans 22, 0.09% 30.34%

* Data is compiled for the North Ridgeville, OH commuting zone area, which comprises of counties of Erie County, OH, Huron County, OH, and Lorain County, OH. This includes cities/towns/communities of North Ridgeville, OH as well as Elyria, OH, Lorain, OH, Avon Lake, OH, Avon, OH, Amherst, OH, Sandusky, OH, Norwalk, OH, LaGrange, OH, Grafton, OH, Huron, OH, Sheffield Lake, OH, Vermilion, OH, Berlin Heights, OH, Vermilion, OH, Oberlin, OH, Wellington, OH, Milan, OH, Sheffield, OH, South Amherst, OH, Beulah Beach, OH, Willard, OH, Castalia, OH, Wakeman, OH, Rochester, OH, Kipton, OH, Holiday Lakes, OH, Greenwich, OH, New London, OH, Monroeville, OH, and Bellevue, OH. Lenders must have made at least 30 loans in the area to be included. Source 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.

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