CINCINNATI Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Cincinnati averaged
6.97%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.87% and
one month ago for the week of 2025-05-29, the
average rate was 6.79%.
Cincinnati's average rate one year ago was 7.16%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.3%.
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within CINCINNATI, OH-KY-IN.
CINCINNATI Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the CINCINNATI, OH-KY-IN market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
CINCINNATI Average Closing Costs & Other Stats
CINCINNATI, OH-KY-IN's 366 lenders originated 53,150
loans during 2024. The total origination value was $12,824,110,000, with an average loan value of
$241,281.
CINCINNATI's average closing costs are $4,505.
The top CINCINNATI lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
1,215 loans originated. Their average total fees are
$7,301, which is $957
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee CINCINNATI lenders (with over 10 loans originated) are
Discover Bank ($0), The North Side Bank & Trust Company ($1,568), The Friendship State Bank ($2,046), Union Savings Bank ($2,329) and L & N Federal Credit Union ($2,346).
The lowest rate CINCINNATI lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.70%), DELTA COMMUNITY CREDIT UNION (5.88%), Charles Schwab Bank, SSB (5.98%), WRIGHT-PATT CREDIT UNION, INC. (6.05%) and Day Air Credit Union, Inc (6.16%).
CINCINNATI, OH-KY-IN Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $483,745,000 | $686,285,000 | 41.9% | 5.4% |
| The Huntington National Bank | $459,355,000 | $593,490,000 | 29.2% | 4.6% |
| QUICKEN LOANS, LLC | $389,310,000 | $542,420,000 | 39.3% | 4.2% |
| Union Savings Bank | $458,155,000 | $510,500,000 | 11.4% | 4.0% |
| Fifth Third Bank | $430,745,000 | $504,700,000 | 17.2% | 3.9% |
| JPMorgan Chase Bank | $103,755,000 | $451,280,000 | 334.9% | 3.5% |
| VICTORY MORTGAGE, L.L.C. | $214,160,000 | $318,125,000 | 48.5% | 2.5% |
| GUARANTEED RATE, INC. | $220,350,000 | $298,860,000 | 35.6% | 2.3% |
| Guardian Savings Bank, A Federal Savings Bank | $238,920,000 | $285,475,000 | 19.5% | 2.2% |
| U.S. Bank | $246,420,000 | $269,910,000 | 9.5% | 2.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $207,475,000 | $254,110,000 | 22.5% | 2.0% |
| First Financial Bank | $236,825,000 | $241,560,000 | 2.0% | 1.9% |
| PNC Bank | $247,565,000 | $235,150,000 | -5.0% | 1.8% |
| FIRST COMMUNITY MORTGAGE, INC. | $146,960,000 | $188,780,000 | 28.5% | 1.5% |
| LCNB National Bank | $62,535,000 | $187,730,000 | 200.2% | 1.5% |
| GENERAL ELECTRIC CREDIT UNION | $323,515,000 | $176,530,000 | -45.4% | 1.4% |
| UNION HOME MORTGAGE CORP. | $129,800,000 | $175,725,000 | 35.4% | 1.4% |
| FIRST EQUITY MORTGAGE INCORPORATED | $110,480,000 | $163,045,000 | 47.6% | 1.3% |
| Third Federal Savings and Loan Association of Cleveland | $201,645,000 | $155,205,000 | -23.0% | 1.2% |
| STOCKTON MORTGAGE CORPORATION | $63,980,000 | $153,125,000 | 139.3% | 1.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $141,470,000 | $141,575,000 | 0.1% | 1.1% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $131,715,000 | $140,930,000 | 7.0% | 1.1% |
| Mortgage Research Center, LLC | $111,400,000 | $136,045,000 | 22.1% | 1.1% |
| GUARANTEED RATE AFFINITY, LLC | $98,635,000 | $120,505,000 | 22.2% | 0.9% |
| NVR Mortgage Finance, Inc. | $129,680,000 | $118,615,000 | -8.5% | 0.9% |
| RUOFF MORTGAGE COMPANY, INC. | $102,550,000 | $116,770,000 | 13.9% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $44,070,000 | $113,895,000 | 158.4% | 0.9% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $78,560,000 | $111,885,000 | 42.4% | 0.9% |
| NEWREZ LLC | $64,390,000 | $111,260,000 | 72.8% | 0.9% |
| WRIGHT-PATT CREDIT UNION, INC. | $61,410,000 | $110,800,000 | 80.4% | 0.9% |
| M/I FINANCIAL, LLC | $52,795,000 | $101,375,000 | 92.0% | 0.8% |
| WesBanco | $284,440,000 | $93,190,000 | -67.2% | 0.7% |
| WALKER & DUNLOP, LLC | $71,320,000 | $90,865,000 | 27.4% | 0.7% |
| DAS Acquisition Company, LLC | $61,260,000 | $85,405,000 | 39.4% | 0.7% |
| CINFED Federal Credit Union | $58,600,000 | $81,560,000 | 39.2% | 0.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $82,850,000 | $81,035,000 | -2.2% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $48,620,000 | $75,960,000 | 56.2% | 0.6% |
| ORIX REAL ESTATE CAPITAL, LLC | $66,965,000 | $75,805,000 | 13.2% | 0.6% |
| BAYSHORE MORTGAGE FUNDING, LLC | $46,745,000 | $74,115,000 | 58.6% | 0.6% |
| NATIONS RELIABLE LENDING, LLC | $56,990,000 | $72,880,000 | 27.9% | 0.6% |
| The North Side Bank & Trust Company | $59,380,000 | $72,130,000 | 21.5% | 0.6% |
| KEMBA CREDIT UNION, INC. | $96,550,000 | $71,885,000 | -25.5% | 0.6% |
| HOMESIDE FINANCIAL, LLC | $14,275,000 | $71,360,000 | 399.9% | 0.6% |
| Civista Bank | $74,165,000 | $71,130,000 | -4.1% | 0.6% |
| RiverHills Bank | $65,380,000 | $68,505,000 | 4.8% | 0.5% |
| Forcht Bank | $61,070,000 | $66,680,000 | 9.2% | 0.5% |
| Paramount Residential Mortgage Group, Inc. | $62,860,000 | $65,645,000 | 4.4% | 0.5% |
| Barings Multifamily Capital | $5,355,000 | $64,810,000 | 1,110.3% | 0.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $52,210,000 | $64,690,000 | 23.9% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $42,275,000 | $63,135,000 | 49.3% | 0.5% |
| Prosperity Home Mortgage, LLC | $60,345,000 | $62,700,000 | 3.9% | 0.5% |
| Warsaw Federal Savings and Loan Association | $63,315,000 | $62,310,000 | -1.6% | 0.5% |
| RAPID MORTGAGE COMPANY | $56,080,000 | $62,085,000 | 10.7% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $44,880,000 | $61,845,000 | 37.8% | 0.5% |
| The Park National Bank | $51,390,000 | $61,200,000 | 19.1% | 0.5% |
| 1st National Bank | $67,735,000 | $58,170,000 | -14.1% | 0.5% |
| LOANDEPOT.COM, LLC | $40,085,000 | $56,150,000 | 40.1% | 0.4% |
| LENDINGHOME FUNDING CORPORATION | $33,675,000 | $54,945,000 | 63.2% | 0.4% |
| Stock Yards Bank & Trust Company | $87,105,000 | $53,885,000 | -38.1% | 0.4% |
| DHI MORTGAGE COMPANY, LTD. | $43,960,000 | $51,765,000 | 17.8% | 0.4% |
| M&T Realty Capital Corporation | $50,445,000 | n/a | 0.4% | |
| Heartland Bank | $50,250,000 | $50,435,000 | 0.4% | 0.4% |
| Plains Commerce Bank | $33,560,000 | $50,120,000 | 49.3% | 0.4% |
| Heritage Bank, Inc. | $51,490,000 | $47,680,000 | -7.4% | 0.4% |
| KeyBank | $23,895,000 | $47,065,000 | 97.0% | 0.4% |
| SIBCY CLINE MORTGAGE SERVICES, INC. | $46,440,000 | $46,410,000 | -0.1% | 0.4% |
| Republic Bank & Trust Company | $79,555,000 | $46,140,000 | -42.0% | 0.4% |
| CenterBank | $35,745,000 | $45,780,000 | 28.1% | 0.4% |
| BROKER SOLUTIONS, INC. | $30,350,000 | $45,035,000 | 48.4% | 0.4% |
| Truist | $40,680,000 | $40,800,000 | 0.3% | 0.3% |
| FCN Bank | $49,330,000 | $39,530,000 | -19.9% | 0.3% |
| Farm Credit Mid-America, ACA | $32,960,000 | $39,435,000 | 19.6% | 0.3% |
| Arbor Realty Trust, Inc. | $30,620,000 | $38,880,000 | 27.0% | 0.3% |
| Bank of America | $41,925,000 | $38,870,000 | -7.3% | 0.3% |
| DOMINION FINANCIAL SERVICES, LLC | $9,010,000 | $38,725,000 | 329.8% | 0.3% |
| First Commonwealth Bank | $52,865,000 | $38,715,000 | -26.8% | 0.3% |
| The Loan Store, Inc. | $7,550,000 | $38,590,000 | 411.1% | 0.3% |
| Superior Credit Union, Inc. | $27,725,000 | $37,175,000 | 34.1% | 0.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | $2,610,000 | $36,775,000 | 1,309.0% | 0.3% |
| T2 FINANCIAL LLC | $39,490,000 | $36,420,000 | -7.8% | 0.3% |
| Grandbridge Real Estate Capital LLC | $32,635,000 | n/a | 0.3% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $30,750,000 | $31,370,000 | 2.0% | 0.2% |
| Spring Valley Bank | $22,595,000 | $30,100,000 | 33.2% | 0.2% |
| Citizens Bank | $43,435,000 | $29,050,000 | -33.1% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $22,900,000 | $28,850,000 | 26.0% | 0.2% |
| USAA Federal Savings Bank | $23,795,000 | $28,705,000 | 20.6% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $26,750,000 | $28,350,000 | 6.0% | 0.2% |
| Bank of England | $41,140,000 | $27,935,000 | -32.1% | 0.2% |
| Cf Bank | $13,755,000 | $27,225,000 | 97.9% | 0.2% |
| Merchants Bank of Indiana | $73,570,000 | $26,845,000 | -63.5% | 0.2% |
| First State Bank | $475,000 | $26,355,000 | 5,448.4% | 0.2% |
| Carrington Mortgage Services, LLC | $19,325,000 | $26,080,000 | 35.0% | 0.2% |
| S1L, Inc. | $7,095,000 | $25,910,000 | 265.2% | 0.2% |
| Wells Fargo Bank | $38,370,000 | $25,340,000 | -34.0% | 0.2% |
| Associated Bank | $155,000 | $25,160,000 | 16,132.3% | 0.2% |
| POLARIS HOME FUNDING CORP. | $21,685,000 | $23,990,000 | 10.6% | 0.2% |
| VAN DYK MORTGAGE CORPORATION | $28,060,000 | $23,925,000 | -14.7% | 0.2% |
| Peoples Bank | $1,335,000 | $23,845,000 | 1,686.1% | 0.2% |
| Morgan Stanley Private Bank | $22,645,000 | $23,765,000 | 4.9% | 0.2% |
| NEW DAY FINANCIAL, LLC | $11,425,000 | $22,890,000 | 100.4% | 0.2% |
| CMG MORTGAGE, INC. | $6,600,000 | $22,855,000 | 246.3% | 0.2% |
| Central Bank | $76,105,000 | $22,715,000 | -70.2% | 0.2% |
| Discover Bank | $21,600,000 | $22,220,000 | 2.9% | 0.2% |
| GREYSTONE SERVICING COMPANY LLC | $25,480,000 | $22,130,000 | -13.1% | 0.2% |
| Valley Central Bank | $25,815,000 | $22,070,000 | -14.5% | 0.2% |
| UBS Bank USA | $16,625,000 | $21,650,000 | 30.2% | 0.2% |
| Community Trust Bank, Inc. | $9,645,000 | $21,220,000 | 120.0% | 0.2% |
| TELHIO | $11,910,000 | $21,055,000 | 76.8% | 0.2% |
| Figure Lending LLC | $10,200,000 | $20,760,000 | 103.5% | 0.2% |
| PLANET HOME LENDING, LLC | $18,390,000 | $20,665,000 | 12.4% | 0.2% |
| NATIONS DIRECT MORTGAGE, LLC | $1,525,000 | $20,515,000 | 1,245.2% | 0.2% |
| 21ST MORTGAGE CORPORATION | $11,005,000 | $19,705,000 | 79.1% | 0.2% |
| Sharefax Credit Union | $18,190,000 | $19,245,000 | 5.8% | 0.2% |
| Flagstar Bank, FSB | $17,295,000 | $17,505,000 | 1.2% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $7,565,000 | $17,450,000 | 130.7% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $31,200,000 | $17,245,000 | -44.7% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $8,380,000 | $17,100,000 | 104.1% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $700,000 | $16,050,000 | 2,192.9% | 0.1% |
| First National Bank of Pennsylvania | $7,500,000 | $15,510,000 | 106.8% | 0.1% |
| The Federal Savings Bank | $13,885,000 | $15,385,000 | 10.8% | 0.1% |
| Prudential Huntoon Paige Associates, LLC | $10,425,000 | $15,315,000 | 46.9% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $12,395,000 | $15,180,000 | 22.5% | 0.1% |
| NBKC BANK | $6,230,000 | $14,830,000 | 138.0% | 0.1% |
| NFM, INC. | $8,105,000 | $14,700,000 | 81.4% | 0.1% |
| Pinnacle Bank | $300,000 | $14,535,000 | 4,745.0% | 0.1% |
| Wintrust Bank, N.A. | $14,335,000 | n/a | 0.1% | |
| The Cincinnatus Savings & Loan Co. | $9,935,000 | $13,905,000 | 40.0% | 0.1% |
| L & N Federal Credit Union | $8,185,000 | $13,880,000 | 69.6% | 0.1% |
| AURGROUP FINANCIAL CREDIT UNION, INC. | $14,085,000 | $13,775,000 | -2.2% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $9,475,000 | $13,740,000 | 45.0% | 0.1% |
| Bath State Bank | $10,250,000 | $13,670,000 | 33.4% | 0.1% |
| Gateway First Bank | $11,740,000 | $13,375,000 | 13.9% | 0.1% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | $3,005,000 | $13,205,000 | 339.4% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $13,460,000 | $13,090,000 | -2.7% | 0.1% |
| Day Air Credit Union, Inc | $9,860,000 | $13,000,000 | 31.8% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $4,425,000 | $12,875,000 | 191.0% | 0.1% |
| The Harrison Building & Loan | $6,480,000 | $12,875,000 | 98.7% | 0.1% |
| The Friendship State Bank | $9,395,000 | $12,805,000 | 36.3% | 0.1% |
| LENDINGONE, LLC | $4,235,000 | $12,500,000 | 195.2% | 0.1% |
| BETTER MORTGAGE CORPORATION | $7,870,000 | $12,465,000 | 58.4% | 0.1% |
| EMM LOANS LLC | $1,920,000 | $12,110,000 | 530.7% | 0.1% |
| Equity Prime Mortgage LLC | $7,225,000 | $12,000,000 | 66.1% | 0.1% |
| GENEVA FINANCIAL, LLC | $5,860,000 | $11,080,000 | 89.1% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $16,690,000 | $9,930,000 | -40.5% | 0.1% |
| LOANPAL, LLC | $4,895,000 | $9,865,000 | 101.5% | 0.1% |
| Coastal Community Bank | $7,170,000 | $9,780,000 | 36.4% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $8,090,000 | $9,670,000 | 19.5% | 0.1% |
| MICHIGAN MUTUAL, INC. | $4,655,000 | $9,600,000 | 106.2% | 0.1% |
| EQUITY RESOURCES, INC. | $18,885,000 | $9,540,000 | -49.5% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $10,235,000 | $9,470,000 | -7.5% | 0.1% |
| Somerville Bank | $7,285,000 | $9,445,000 | 29.6% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $5,745,000 | $9,390,000 | 63.4% | 0.1% |
| Peoples Exchange Bank | $7,150,000 | $9,360,000 | 30.9% | 0.1% |
| Ixonia Bank | $10,925,000 | $9,085,000 | -16.8% | 0.1% |
| ZILLOW HOME LOANS, LLC | $6,910,000 | $9,045,000 | 30.9% | 0.1% |
| CINCINNATI OHIO POLICE | $7,000,000 | $8,810,000 | 25.9% | 0.1% |
| Charles Schwab Bank, SSB | $3,905,000 | $8,635,000 | 121.1% | 0.1% |
| First Federal Bank | $2,290,000 | $8,600,000 | 275.5% | 0.1% |
| First Merchants Bank | $3,980,000 | $8,380,000 | 110.6% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $5,230,000 | $8,360,000 | 59.8% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $5,380,000 | $8,055,000 | 49.7% | 0.1% |
| Peoples First Savings Bank | $11,465,000 | $8,000,000 | -30.2% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $940,000 | $7,765,000 | 726.1% | 0.1% |
| CARDINAL FINANCIAL | $9,985,000 | $7,705,000 | -22.8% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $4,310,000 | $7,655,000 | 77.6% | 0.1% |
| Northpointe Bank | $13,995,000 | $7,590,000 | -45.8% | 0.1% |
| ENDEAVOR CAPITAL, LLC. | $8,435,000 | $7,510,000 | -11.0% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $7,275,000 | $7,440,000 | 2.3% | 0.1% |
| First National Bank of America | $5,300,000 | $7,295,000 | 37.6% | 0.1% |
| DIRECT MORTGAGE LOANS, LLC | $335,000 | $7,270,000 | 2,070.1% | 0.1% |
| Stifel Bank and Trust | $4,795,000 | $7,230,000 | 50.8% | 0.1% |
| Regions Bank | $16,165,000 | $7,090,000 | -56.1% | 0.1% |
| GUILD MORTGAGE COMPANY | $7,125,000 | $7,000,000 | -1.8% | 0.1% |
| Ally Bank | $4,120,000 | $6,890,000 | 67.2% | 0.1% |
| AmeriHome Mortgage Company, LLC | $4,010,000 | $6,850,000 | 70.8% | 0.1% |
| PHH Mortgage Corporation | $4,270,000 | $6,800,000 | 59.3% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $5,935,000 | $6,790,000 | 14.4% | 0.1% |
| TJC Mortgage, Inc. | $440,000 | $6,760,000 | 1,436.4% | 0.1% |
| COLLIERS MORTGAGE LLC | $6,710,000 | n/a | 0.1% | |
| ARC HOME LLC | $8,890,000 | $6,465,000 | -27.3% | 0.1% |
| LIBERTY HOME MORTGAGE CORPORATION | $4,795,000 | $6,380,000 | 33.1% | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | $2,790,000 | $6,250,000 | 124.0% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $6,125,000 | $6,170,000 | 0.7% | 0.0% |
| BMO Harris Bank | $2,975,000 | $6,110,000 | 105.4% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $1,825,000 | $6,090,000 | 233.7% | 0.0% |
| CLEARPATH LENDING | $2,930,000 | $6,085,000 | 107.7% | 0.0% |
| UNITED MORTGAGE CORP | $6,025,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $4,890,000 | $5,990,000 | 22.5% | 0.0% |
| AMWEST FUNDING CORP. | $3,215,000 | $5,880,000 | 82.9% | 0.0% |
| LENDSURE MORTGAGE CORP. | $4,215,000 | $5,860,000 | 39.0% | 0.0% |
| EMERY FEDERAL CREDIT UNION | $12,640,000 | $5,800,000 | -54.1% | 0.0% |
| DELTA COMMUNITY CREDIT UNION | $3,940,000 | $5,730,000 | 45.4% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $4,885,000 | $5,610,000 | 14.8% | 0.0% |
| The Merchants National Bank | $4,685,000 | $5,540,000 | 18.2% | 0.0% |
| The First National Bank of Brooksville | $2,735,000 | $5,520,000 | 101.8% | 0.0% |
| Century Mortgage Company DBA Century Lending Company | $2,745,000 | $5,485,000 | 99.8% | 0.0% |
| NEXERA HOLDING LLC | $3,915,000 | $5,395,000 | 37.8% | 0.0% |
| READYCAP COMMERCIAL, LLC | $5,255,000 | n/a | 0.0% | |
| The State Bank and Trust Company | $1,395,000 | $5,255,000 | 276.7% | 0.0% |
| Miami Savings Bank | $10,155,000 | $5,240,000 | -48.4% | 0.0% |
| THE EQUITABLE MORTGAGE CORPORATION | $4,230,000 | $5,160,000 | 22.0% | 0.0% |
| AMERICAN FINANCING CORPORATION | $2,500,000 | $5,125,000 | 105.0% | 0.0% |
| EVANSVILLE TEACHERS | $10,365,000 | $4,995,000 | -51.8% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $2,375,000 | $4,990,000 | 110.1% | 0.0% |
| OCMBC, INC. | $3,660,000 | $4,960,000 | 35.5% | 0.0% |
| NATIONAL COOPERATIVE BANK, N.A. | $4,925,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $2,795,000 | $4,895,000 | 75.1% | 0.0% |
| General Mortgage Capital Corporation | $3,050,000 | $4,840,000 | 58.7% | 0.0% |
| Magnolia Bank | $2,140,000 | $4,705,000 | 119.9% | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $3,130,000 | $4,675,000 | 49.4% | 0.0% |
| City National Bank of West Virginia | $5,185,000 | $4,670,000 | -9.9% | 0.0% |
| German American Bank | $6,570,000 | $4,545,000 | -30.8% | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $2,070,000 | $4,545,000 | 119.6% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,670,000 | $4,450,000 | 166.5% | 0.0% |
| Hometown Equity Mortgage, LLC | $565,000 | $4,445,000 | 686.7% | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $105,000 | $4,400,000 | 4,090.5% | 0.0% |
| Citibank | $5,700,000 | $4,385,000 | -23.1% | 0.0% |
| NexBank | $4,385,000 | n/a | 0.0% | |
| UIF CORPORATION | $3,115,000 | $4,360,000 | 40.0% | 0.0% |
| FIRST TECHNOLOGY | $220,000 | $4,340,000 | 1,872.7% | 0.0% |
| Lakeview Community Capital, LLC | $1,430,000 | $4,200,000 | 193.7% | 0.0% |
| PREMIA MORTGAGE, LLC | $5,395,000 | $4,140,000 | -23.3% | 0.0% |
| MYCUMORTGAGE, LLC | $2,475,000 | $4,105,000 | 65.9% | 0.0% |
| SPRING EQ, LLC | $3,080,000 | $4,065,000 | 32.0% | 0.0% |
| ALLIANT CREDIT UNION | $2,705,000 | $4,025,000 | 48.8% | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | $315,000 | $3,935,000 | 1,149.2% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $7,965,000 | $3,820,000 | -52.0% | 0.0% |
| MILEND, INC. | $300,000 | $3,795,000 | 1,165.0% | 0.0% |
| BAY EQUITY LLC | $1,875,000 | $3,790,000 | 102.1% | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | $3,645,000 | $3,725,000 | 2.2% | 0.0% |
| SIRVA MORTGAGE, INC. | $5,675,000 | $3,655,000 | -35.6% | 0.0% |
| Citadel Servicing Corporation | $845,000 | $3,580,000 | 323.7% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $320,000 | $3,340,000 | 943.8% | 0.0% |
| The Old Fort Banking Company | $1,865,000 | $3,285,000 | 76.1% | 0.0% |
| Dollar Bank, Federal Savings Bank | $1,300,000 | $3,240,000 | 149.2% | 0.0% |
| Nations Lending Corporation | $8,520,000 | $3,210,000 | -62.3% | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | $790,000 | $3,155,000 | 299.4% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $525,000 | $3,115,000 | 493.3% | 0.0% |
| LAKE MICHIGAN CREDIT UNION | $2,350,000 | $3,065,000 | 30.4% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $825,000 | $3,055,000 | 270.3% | 0.0% |
| Waterstone Mortgage Corporation | $5,430,000 | $2,935,000 | -45.9% | 0.0% |
| The Farmers & Merchants State Bank | $4,310,000 | $2,915,000 | -32.4% | 0.0% |
| Bethpage Federal Credit Union | $515,000 | $2,880,000 | 459.2% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $2,440,000 | $2,875,000 | 17.8% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,540,000 | $2,785,000 | 80.8% | 0.0% |
| M&T Bank | $3,495,000 | $2,665,000 | -23.7% | 0.0% |
| COMMONWEALTH | $3,540,000 | $2,650,000 | -25.1% | 0.0% |
| V.I.P. MORTGAGE, INC. | $195,000 | $2,545,000 | 1,205.1% | 0.0% |
| VERITAS FUNDING, LLC | $480,000 | $2,485,000 | 417.7% | 0.0% |
| RIVER VALLEY CREDIT UNION, INC. | $1,485,000 | $2,475,000 | 66.7% | 0.0% |
| Old National Bank | $1,870,000 | $2,425,000 | 29.7% | 0.0% |
| First Federal Savings and Loan Association of Lakewood | $12,855,000 | $2,360,000 | -81.6% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $1,975,000 | $2,325,000 | 17.7% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $3,490,000 | $2,300,000 | -34.1% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $2,235,000 | $2,285,000 | 2.2% | 0.0% |
| Independence Bank of Kentucky | $470,000 | $2,285,000 | 386.2% | 0.0% |
| DIGNIFIED HOME LOANS, LLC | $2,280,000 | n/a | 0.0% | |
| FIRST OHIO HOME FINANCE, INC. | $1,630,000 | $2,245,000 | 37.7% | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | $2,175,000 | n/a | 0.0% | |
| CLIFFCO, INC. | $2,130,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $2,105,000 | n/a | 0.0% | |
| AMERITRUST MORTGAGE CORPORATION | $560,000 | $2,100,000 | 275.0% | 0.0% |
| KEMBA FINANCIAL | $535,000 | $2,030,000 | 279.4% | 0.0% |
| Three Rivers Federal Credit Union | $62,280,000 | $2,015,000 | -96.8% | 0.0% |
| MIAMI UNIVERSITY COMMUNITY | $1,065,000 | $2,010,000 | 88.7% | 0.0% |
| S&T Bank | $1,680,000 | $2,010,000 | 19.6% | 0.0% |
| UNIVERSITY OF KENTUCKY | $2,160,000 | $1,970,000 | -8.8% | 0.0% |
| AmRes Corporation | $1,130,000 | $1,950,000 | 72.6% | 0.0% |
| SILVER HILL FUNDING, LLC | $1,525,000 | $1,920,000 | 25.9% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,035,000 | $1,880,000 | 81.6% | 0.0% |
| Park Lane Finance Solutions, LLC | $760,000 | $1,860,000 | 144.7% | 0.0% |
| Goldman Sachs Bank USA | $1,970,000 | $1,730,000 | -12.2% | 0.0% |
| Deere Employees Credit Union | $500,000 | $1,725,000 | 245.0% | 0.0% |
| HALLMARK HOME MORTGAGE, LLC | $820,000 | $1,725,000 | 110.4% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $3,085,000 | $1,705,000 | -44.7% | 0.0% |
| GVC MORTGAGE, INC. | $1,980,000 | $1,700,000 | -14.1% | 0.0% |
| First Horizon Bank | $3,310,000 | $1,640,000 | -50.5% | 0.0% |
| RBC Bank, (Georgia) | $1,295,000 | $1,600,000 | 23.6% | 0.0% |
| Farmers Bank & Trust | $1,335,000 | $1,565,000 | 17.2% | 0.0% |
| CONSTRUCTIVE LOANS, LLC | $1,565,000 | $1,555,000 | -0.6% | 0.0% |
| Baxter Credit Union | $570,000 | $1,490,000 | 161.4% | 0.0% |
| GSF Mortgage Corporation | $2,075,000 | $1,490,000 | -28.2% | 0.0% |
| ENVOY MORTGAGE, LTD | $11,795,000 | $1,485,000 | -87.4% | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $1,460,000 | n/a | 0.0% | |
| UNIVERSAL 1 CREDIT UNION | $1,235,000 | $1,455,000 | 17.8% | 0.0% |
| BNY Mellon | $1,450,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $1,525,000 | $1,450,000 | -4.9% | 0.0% |
| Southern Hills Community Bank | $1,035,000 | $1,435,000 | 38.6% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $1,080,000 | $1,420,000 | 31.5% | 0.0% |
| SOUTH CENTRAL BANK, INC. | $2,190,000 | $1,420,000 | -35.2% | 0.0% |
| Abound Federal Credit Union | $135,000 | $1,380,000 | 922.2% | 0.0% |
| TOWNE MORTGAGE COMPANY | $530,000 | $1,370,000 | 158.5% | 0.0% |
| TOWER | $960,000 | $1,360,000 | 41.7% | 0.0% |
| Toyota Financial Savings Bank | $2,185,000 | $1,295,000 | -40.7% | 0.0% |
| Union Savings And Loan Association | $6,670,000 | $1,290,000 | -80.7% | 0.0% |
| GREENSTATE CREDIT UNION | $765,000 | $1,275,000 | 66.7% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $6,315,000 | $1,255,000 | -80.1% | 0.0% |
| CANOPY MORTGAGE, LLC | $530,000 | $1,245,000 | 134.9% | 0.0% |
| Connexus Credit Union | $1,690,000 | $1,240,000 | -26.6% | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | $1,225,000 | n/a | 0.0% | |
| INTERLINC MORTGAGE SERVICES, LLC | $175,000 | $1,220,000 | 597.1% | 0.0% |
| The Central Trust Bank | $1,020,000 | $1,215,000 | 19.1% | 0.0% |
| RESIDENTIAL BANCORP | $1,085,000 | $1,210,000 | 11.5% | 0.0% |
| Raymond James Bank | $1,500,000 | $1,190,000 | -20.7% | 0.0% |
| Cornerstone First Mortgage, Inc | $700,000 | $1,180,000 | 68.6% | 0.0% |
| NORTHERN MORTGAGE SERVICES, LLC | $850,000 | $1,180,000 | 38.8% | 0.0% |
| Heritage Bank | $600,000 | $1,165,000 | 94.2% | 0.0% |
| Arvest Bank | $435,000 | $1,160,000 | 166.7% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $135,000 | $1,160,000 | 759.3% | 0.0% |
| 1ST SIGNATURE LENDING, LLC | $2,335,000 | $1,155,000 | -50.5% | 0.0% |
| Minster Bank | $1,285,000 | $1,150,000 | -10.5% | 0.0% |
| EVERETT FINANCIAL, INC. | $17,350,000 | $1,130,000 | -93.5% | 0.0% |
| EMBRACE HOME LOANS, INC. | $1,485,000 | $1,115,000 | -24.9% | 0.0% |
| Commerce Home Mortgage, Inc. | $2,715,000 | $1,110,000 | -59.1% | 0.0% |
| Leader Bank | $960,000 | $1,110,000 | 15.6% | 0.0% |
| The Ohio Valley Bank Company | $505,000 | $1,045,000 | 106.9% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $960,000 | $1,030,000 | 7.3% | 0.0% |
| Quontic Bank | $405,000 | $1,000,000 | 146.9% | 0.0% |
| Centra Credit Union | $830,000 | $970,000 | 16.9% | 0.0% |
| FirstBank | $350,000 | $960,000 | 174.3% | 0.0% |
| UNIFY FINANCIAL Credit Union | $710,000 | $955,000 | 34.5% | 0.0% |
| Providence Bank & Trust | $905,000 | n/a | 0.0% | |
| Bank of Hope | $735,000 | $885,000 | 20.4% | 0.0% |
| HOMESTEAD FUNDING CORP. | $125,000 | $885,000 | 608.0% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,720,000 | $885,000 | -48.5% | 0.0% |
| Whitaker Bank | $85,000 | $850,000 | 900.0% | 0.0% |
| COMPASS MORTGAGE, INC. | $785,000 | $845,000 | 7.6% | 0.0% |
| Pathways Financial Credit Union, Inc. | $815,000 | $845,000 | 3.7% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $25,000 | $840,000 | 3,260.0% | 0.0% |
| Grand Bank for Savings, FSB | $1,695,000 | $820,000 | -51.6% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $1,080,000 | $800,000 | -25.9% | 0.0% |
| HomePromise Corporation | $135,000 | $800,000 | 492.6% | 0.0% |
| Strong Home Mortgage, LLC | $730,000 | $795,000 | 8.9% | 0.0% |
| USAlliance Federal Credit Union | $625,000 | $785,000 | 25.6% | 0.0% |
| Ameris Bank | $470,000 | $780,000 | 66.0% | 0.0% |
| PROPER RATE, LLC | $765,000 | n/a | 0.0% | |
| Secured Investment Corp. | $755,000 | n/a | 0.0% | |
| Texana Bank | $755,000 | n/a | 0.0% | |
| Merchants Mortgage & Trust Corporation | $560,000 | $750,000 | 33.9% | 0.0% |
| Nicolet National Bank | $740,000 | n/a | 0.0% | |
| Johnson Bank | $725,000 | n/a | 0.0% | |
| EASTMAN | $720,000 | n/a | 0.0% | |
| Devon Bank | $715,000 | n/a | 0.0% | |
| First Federal Bank of the Midwest | $7,680,000 | $710,000 | -90.8% | 0.0% |
| EVERENCE FEDERAL CREDIT UNION | $705,000 | n/a | 0.0% | |
| OAKTREE FUNDING CORP. | $835,000 | $705,000 | -15.6% | 0.0% |
| MORTGAGE ACCESS CORP. | $2,895,000 | $690,000 | -76.2% | 0.0% |
| AXIA FINANCIAL, LLC | $685,000 | n/a | 0.0% | |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $850,000 | $685,000 | -19.4% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $480,000 | $685,000 | 42.7% | 0.0% |
| Jackson County Bank | $670,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $670,000 | n/a | 0.0% | |
| N R L Federal Credit Union | $995,000 | $670,000 | -32.7% | 0.0% |
| American Airlines Federal Credit Union | $360,000 | $665,000 | 84.7% | 0.0% |
| PURDUE FEDERAL CREDIT UNION | $245,000 | $665,000 | 171.4% | 0.0% |
| Peoples Bank | $1,335,000 | $655,000 | -50.9% | 0.0% |
| Home Mortgage Alliance Corp | $635,000 | n/a | 0.0% | |
| KH NETWORK CREDIT UNION | $560,000 | $635,000 | 13.4% | 0.0% |
| First-Citizens Bank & Trust Company | $285,000 | $630,000 | 121.1% | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | $620,000 | n/a | 0.0% | |
| DESCO | $770,000 | $610,000 | -20.8% | 0.0% |
| East Coast Capital Corp. | $215,000 | $600,000 | 179.1% | 0.0% |
| First Bank | $870,000 | $595,000 | -31.6% | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | $375,000 | $590,000 | 57.3% | 0.0% |
| JLB CORPORATION | $1,540,000 | $585,000 | -62.0% | 0.0% |
| Community First National Bank | $570,000 | n/a | 0.0% | |
| Logan Finance Corporation | $1,675,000 | $570,000 | -66.0% | 0.0% |
| HILTON FINANCIAL CORPORATION | $205,000 | $565,000 | 175.6% | 0.0% |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $560,000 | n/a | 0.0% | |
| Presidential Bank, FSB | $910,000 | $560,000 | -38.5% | 0.0% |
| SOUTHWEST FUNDING, LP | $560,000 | n/a | 0.0% | |
| ROSS MORTGAGE CORPORATION | $545,000 | $555,000 | 1.8% | 0.0% |
| SeaTrust Mortgage Company | $555,000 | n/a | 0.0% | |
| COMMUNITYAMERICA | $265,000 | $550,000 | 107.5% | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | $550,000 | n/a | 0.0% | |
| RF Renovo Management Company, LLC | $105,000 | $550,000 | 423.8% | 0.0% |
| BankTennessee | $545,000 | n/a | 0.0% | |
| STAUNTON FINANCIAL, INC. | $545,000 | n/a | 0.0% | |
| Blue Ridge Bank | $115,000 | $540,000 | 369.6% | 0.0% |
| CIBM Bank | $195,000 | $540,000 | 176.9% | 0.0% |
| FM Home Loans, LLC | $540,000 | n/a | 0.0% | |
| Servion, Inc. | $1,490,000 | $540,000 | -63.8% | 0.0% |
| Axos Bank | $840,000 | $530,000 | -36.9% | 0.0% |
| Mortgage Assurance Inc. | $525,000 | n/a | 0.0% | |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $520,000 | n/a | 0.0% | |
| HSBC BANK USA, NATIONAL ASSOCIATION | $165,000 | $510,000 | 209.1% | 0.0% |
| SCHLUMBERGER EMPLOYEES CREDIT UNION | $500,000 | n/a | 0.0% | |
| Directions Credit Union, Inc. | $205,000 | $495,000 | 141.5% | 0.0% |
| The First National Bank of Pandora | $250,000 | $495,000 | 98.0% | 0.0% |
| MidFirst Bank | $275,000 | $490,000 | 78.2% | 0.0% |
| Elements Financial Federal Credit Union | $275,000 | $485,000 | 76.4% | 0.0% |
| UNITED | $480,000 | n/a | 0.0% | |
| Mercantile Bank of Michigan | $7,245,000 | $470,000 | -93.5% | 0.0% |
| Florida Capital Bank | $465,000 | n/a | 0.0% | |
| MEMBERS CHOICE | $465,000 | n/a | 0.0% | |
| US MORTGAGE CORPORATION | $910,000 | $460,000 | -49.5% | 0.0% |
| First State Bank of St. Charles, Missouri | $455,000 | n/a | 0.0% | |
| The Bank of Missouri | $455,000 | n/a | 0.0% | |
| Armed Forces Bank | $915,000 | $445,000 | -51.4% | 0.0% |
| BancorpSouth | $445,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $730,000 | $440,000 | -39.7% | 0.0% |
| INOVA FEDERAL CREDIT UNION | $370,000 | $440,000 | 18.9% | 0.0% |
| OceanFirst Bank | $435,000 | n/a | 0.0% | |
| Valley National Bank | $870,000 | $425,000 | -51.1% | 0.0% |
| Alerus Financial | $415,000 | n/a | 0.0% | |
| FIDELITY DIRECT MORTGAGE, LLC | $415,000 | n/a | 0.0% | |
| First Option Mortgage, LLC | $415,000 | n/a | 0.0% | |
| GERSHMAN INVESTMENT CORP. | $410,000 | n/a | 0.0% | |
| HONDA Federal Credit Union | $425,000 | $410,000 | -3.5% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $350,000 | $410,000 | 17.1% | 0.0% |
| STANFORD Federal Credit Union | $405,000 | n/a | 0.0% | |
| Towne Bank | $405,000 | n/a | 0.0% | |
| Sunflower Bank | $665,000 | $400,000 | -39.8% | 0.0% |
| Beeline Loans, Inc. | $330,000 | $395,000 | 19.7% | 0.0% |
| Fortress Bank | $395,000 | n/a | 0.0% | |
| Petefish, Skiles & Co. | $395,000 | n/a | 0.0% | |
| TOTAL MORTGAGE SERVICES, LLC | $275,000 | $395,000 | 43.6% | 0.0% |
| The Citizens National Bank of Somerset | $265,000 | $390,000 | 47.2% | 0.0% |
| University Bank | $390,000 | n/a | 0.0% | |
| FBC MORTGAGE, LLC | $385,000 | n/a | 0.0% | |
| GENISYS | $315,000 | $385,000 | 22.2% | 0.0% |
| Washington Trust Bank | $190,000 | $380,000 | 100.0% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $375,000 | n/a | 0.0% | |
| The Farmers State Bank | $465,000 | $370,000 | -20.4% | 0.0% |
| Commercial Bank | $365,000 | n/a | 0.0% | |
| DELMAR FINANCIAL COMPANY | $105,000 | $365,000 | 247.6% | 0.0% |
| Allied First Bank,sb | $355,000 | n/a | 0.0% | |
| Granite Community Bank | $355,000 | n/a | 0.0% | |
| The Genoa Banking Company | $540,000 | $355,000 | -34.3% | 0.0% |
| Alcova Mortgage LLC | $350,000 | n/a | 0.0% | |
| First Bank Richmond | $1,755,000 | $350,000 | -80.1% | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | $45,000 | $340,000 | 655.6% | 0.0% |
| GEORGIA'S OWN | $475,000 | $340,000 | -28.4% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $340,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $995,000 | $340,000 | -65.8% | 0.0% |
| First United Bank and Trust Company | $335,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $180,000 | $335,000 | 86.1% | 0.0% |
| The State Bank | $335,000 | $335,000 | 0.0% | 0.0% |
| UNITED HOME LOANS, INC. | $335,000 | n/a | 0.0% | |
| Deseret First Credit Union | $325,000 | n/a | 0.0% | |
| Lake City Bank | $325,000 | n/a | 0.0% | |
| Northwest Bank | $2,320,000 | $320,000 | -86.2% | 0.0% |
| Dakota Community Bank & Trust | $315,000 | n/a | 0.0% | |
| The Farmers Bank | $315,000 | n/a | 0.0% | |
| Residential Mortgage Solutions, Inc. | $305,000 | n/a | 0.0% | |
| First Financial Bank | $236,825,000 | $300,000 | -99.9% | 0.0% |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION | $810,000 | $285,000 | -64.8% | 0.0% |
| The Dart Bank | $1,345,000 | $285,000 | -78.8% | 0.0% |
| CREDIT UNION OF OHIO | $280,000 | n/a | 0.0% | |
| Bank-Fund Staff Federal Credit Union | $45,000 | $275,000 | 511.1% | 0.0% |
| Fidelity Bank | $275,000 | n/a | 0.0% | |
| The Commercial and Savings Bank of Millersburg Ohio | $275,000 | n/a | 0.0% | |
| Flanagan State Bank | $265,000 | n/a | 0.0% | |
| INTERCOASTAL MORTGAGE COMPANY | $550,000 | $265,000 | -51.8% | 0.0% |
| SFMC, LP | $265,000 | n/a | 0.0% | |
| Stillman Bank | $265,000 | n/a | 0.0% | |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $465,000 | $255,000 | -45.2% | 0.0% |
| The Union Bank Company | $2,390,000 | $255,000 | -89.3% | 0.0% |
| CODE | $335,000 | $250,000 | -25.4% | 0.0% |
| MASSMUTUAL | $285,000 | $250,000 | -12.3% | 0.0% |
| Northwest Federal Credit Union | $290,000 | $250,000 | -13.8% | 0.0% |
| ON Q FINANCIAL, INC. | $680,000 | $250,000 | -63.2% | 0.0% |
| ADVANCIAL | $245,000 | n/a | 0.0% | |
| First State Bank | $475,000 | $245,000 | -48.4% | 0.0% |
| GMFS LLC | $245,000 | n/a | 0.0% | |
| Greenfield Banking Company | $245,000 | n/a | 0.0% | |
| Mid Penn Bank | $245,000 | n/a | 0.0% | |
| NP, Inc. | $245,000 | n/a | 0.0% | |
| The Home National Bank of Thorntown | $305,000 | $245,000 | -19.7% | 0.0% |
| TOGETHER CREDIT UNION | $85,000 | $245,000 | 188.2% | 0.0% |
| State Department Federal Credit Union | $120,000 | $240,000 | 100.0% | 0.0% |
| Monroe Federal Savings and Loan Association | $1,365,000 | $235,000 | -82.8% | 0.0% |
| MORTGAGEONE, INC. | $235,000 | n/a | 0.0% | |
| NBH Bank | $235,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $1,450,000 | $235,000 | -83.8% | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | $230,000 | n/a | 0.0% | |
| Capital Bank | $350,000 | $225,000 | -35.7% | 0.0% |
| HARTFORD FUNDING, LTD. | $155,000 | $225,000 | 45.2% | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $1,485,000 | $220,000 | -85.2% | 0.0% |
| Brighton Bank | $215,000 | n/a | 0.0% | |
| FAIR WAY LENDING LLC | $250,000 | $215,000 | -14.0% | 0.0% |
| FORUM Credit Union | $720,000 | $215,000 | -70.1% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $440,000 | $215,000 | -51.1% | 0.0% |
| PROPONENT Federal Credit Union | $15,000 | $215,000 | 1,333.3% | 0.0% |
| THOMPSON KANE & COMPANY, LLC | $215,000 | n/a | 0.0% | |
| AFFINITY | $205,000 | n/a | 0.0% | |
| Republic State Mortgage Co. | $225,000 | $205,000 | -8.9% | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $340,000 | $200,000 | -41.2% | 0.0% |
| Firefighters & Company FCU | $510,000 | $195,000 | -61.8% | 0.0% |
| F & M Bank | $195,000 | n/a | 0.0% | |
| SWBC MORTGAGE CORPORATION | $275,000 | $195,000 | -29.1% | 0.0% |
| The Sherwood State Bank | $195,000 | n/a | 0.0% | |
| Traditional Bank, Inc. | $605,000 | $195,000 | -67.8% | 0.0% |
| ASHLAND Credit Union | $25,000 | $185,000 | 640.0% | 0.0% |
| Liberty Savings Bank, F.S.B. | $305,000 | $185,000 | -39.3% | 0.0% |
| MORTGAGE 1 INCORPORATED | $1,170,000 | $185,000 | -84.2% | 0.0% |
| VeraBank | $185,000 | n/a | 0.0% | |
| BECKAM FUNDING CORP. | $175,000 | n/a | 0.0% | |
| GREENWOOD | $75,000 | $175,000 | 133.3% | 0.0% |
| THE VINTON COUNTY NATIONAL BANK | $95,000 | $175,000 | 84.2% | 0.0% |
| YOUR HOME FINANCIAL LLC | $175,000 | n/a | 0.0% | |
| Independent Bank | $815,000 | $165,000 | -79.8% | 0.0% |
| The Farmers Bank of Milton | $165,000 | n/a | 0.0% | |
| Horizon Bank | $15,000 | $160,000 | 966.7% | 0.0% |
| CHEVRON | $155,000 | n/a | 0.0% | |
| FIDELITY BANK | $155,000 | n/a | 0.0% | |
| HomeTrust Bank | $190,000 | $155,000 | -18.4% | 0.0% |
| INB | $155,000 | n/a | 0.0% | |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $155,000 | n/a | 0.0% | |
| THE MORTGAGE FIRM, INC. | $155,000 | n/a | 0.0% | |
| Willamette Valley Bank | $185,000 | $155,000 | -16.2% | 0.0% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $1,155,000 | $145,000 | -87.4% | 0.0% |
| First Federal Bank, A FSB | $145,000 | n/a | 0.0% | |
| MEMBERS HERITAGE Credit Union | $295,000 | $140,000 | -52.5% | 0.0% |
| FIRST MORTGAGE COMPANY, INC. | $1,935,000 | $135,000 | -93.0% | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | $135,000 | n/a | 0.0% | |
| FLAT BRANCH MORTGAGE, INC. | $280,000 | $125,000 | -55.4% | 0.0% |
| Fortera Federal Credit Union | $125,000 | n/a | 0.0% | |
| Wyoming Bank & Trust | $125,000 | n/a | 0.0% | |
| Transportation Federal Credit Union | $525,000 | $120,000 | -77.1% | 0.0% |
| INTERRA CREDIT UNION | $125,000 | $115,000 | -8.0% | 0.0% |
| Planters Bank, Inc. | $115,000 | n/a | 0.0% | |
| Unity Catholic FCU | $115,000 | n/a | 0.0% | |
| CME Federal Credit Union | $255,000 | $105,000 | -58.8% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $305,000 | $105,000 | -65.6% | 0.0% |
| CORNING | $305,000 | $105,000 | -65.6% | 0.0% |
| INDIANA MEMBERS CREDIT UNION | $450,000 | $105,000 | -76.7% | 0.0% |
| Kish Bank | $105,000 | n/a | 0.0% | |
| CITIZENS EQUITY FIRST | $55,000 | $95,000 | 72.7% | 0.0% |
| Quad City Bank and Trust Company | $95,000 | n/a | 0.0% | |
| COCA-COLA | $85,000 | n/a | 0.0% | |
| First Federal Savings and Loan Association of Greensburg | $155,000 | $85,000 | -45.2% | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | $710,000 | $85,000 | -88.0% | 0.0% |
| Golden Empire Mortgage, Inc. | $75,000 | n/a | 0.0% | |
| Bedford Loan & Deposit Bank | $65,000 | $65,000 | 0.0% | 0.0% |
| BMI Federal Credit Union | $580,000 | $65,000 | -88.8% | 0.0% |
| FIELD & MAIN BANK, INC. | $65,000 | n/a | 0.0% | |
| First Southern National Bank | $55,000 | n/a | 0.0% | |
| Seven Seventeen Credit Union | $55,000 | n/a | 0.0% | |
| The Croghan Colonial Bank | $55,000 | n/a | 0.0% | |
| Truliant Federal Credit Union | $55,000 | n/a | 0.0% | |
| ATLANTA POSTAL | $45,000 | n/a | 0.0% | |
| BEACON CREDIT UNION | $45,000 | n/a | 0.0% | |
| CITY-COUNTY CREDIT UNION | $195,000 | $45,000 | -76.9% | 0.0% |
| KINECTA | $45,000 | n/a | 0.0% | |
| NORTHROP GRUMMAN Federal Credit Union | $960,000 | $45,000 | -95.3% | 0.0% |
| Notre Dame Federal Credit Union Corporation | $45,000 | n/a | 0.0% | |
| STAR USA FEDERAL CREDIT UNION | $25,000 | $45,000 | 80.0% | 0.0% |
| BRIDGE | $255,000 | $35,000 | -86.3% | 0.0% |
| DUPACO COMMUNITY | $135,000 | $35,000 | -74.1% | 0.0% |
| First Farmers Bank and Trust Company | $195,000 | $25,000 | -87.2% | 0.0% |
| First Federal Bank of Kansas City | $315,000 | $25,000 | -92.1% | 0.0% |
| First Home Bank | $25,000 | n/a | 0.0% | |
| TEACHERS CREDIT UNION | $165,000 | $15,000 | -90.9% | 0.0% |
CINCINNATI's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 5.4% market share. In second place, with 4.6%, is The Huntington National Bank, having originated $593,490,000 in loans. In third place, with 4.2%, is QUICKEN LOANS, LLC, having originated $542,420,000 in loans. In fourth place, with 4.0%, is Union Savings Bank, having originated $510,500,000 in loans. In fifth place, with 3.9%, is Fifth Third Bank, having originated $504,700,000 in loans.
CINCINNATI, OH-KY-IN Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 27,442 | $8,365,180,000 | $304,831 |
| Cash Out Refi | 7,323 | $1,440,735,000 | $196,741 |
| Other | 6,673 | $664,455,000 | $99,574 |
| Refi | 5,881 | $1,769,035,000 | $300,805 |
| Home Improvement | 5,637 | $547,625,000 | $97,148 |
| NA | 194 | $37,080,000 | $191,134 |
Cincinnati's most frequently cited loan purpose was Home Purchase, with 27,442 originations. The 2nd most popular reason was Cash Out Refi, with 7,323 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 20,999 | $6,050,675,000 | $288,141 |
| Over 8% | 12,597 | $1,424,645,000 | $113,094 |
| 7-8% | 10,671 | $2,629,995,000 | $246,462 |
| 5-6% | 6,113 | $2,028,985,000 | $331,913 |
| 4-5% | 521 | $142,685,000 | $273,868 |
| <2.5% | 432 | $10,640,000 | $24,630 |
| 3-4% | 385 | $41,965,000 | $109,000 |
| 2.5-3% | 78 | $8,780,000 | $112,564 |
During 2024, Cincinnati's most frequently originated rate bucket was 6-7%, with 20,999 originations.
Loan Sizing (CINCINNATI, OH-KY-IN MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 18,928 | $5,267,570,000 | $278,295 |
| $100k-200k | 15,049 | $2,220,285,000 | $147,537 |
| $100,000 or less | 13,206 | $717,820,000 | $54,356 |
| $400k-600k | 4,182 | $1,988,900,000 | $475,586 |
| $600k-1000k | 1,401 | $1,009,945,000 | $720,874 |
| $Over $1MM | 384 | $1,619,590,000 | $4,217,682 |
CINCINNATI's loan sizing saw the bucket of loans from $200k-400k with 18,928 originations, totaling $5,267,570,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 18,739 | $5,604,395,000 | $299,077 |
| 60-80% | 11,449 | $3,502,945,000 | $305,961 |
| 20-40% | 8,017 | $1,227,785,000 | $153,148 |
| Under 20% | 7,808 | $418,390,000 | $53,585 |
| 40-60% | 4,719 | $1,174,375,000 | $248,861 |
| Over 100% | 483 | $240,495,000 | $497,919 |
CINCINNATI's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 18,739 originations, totaling $5,604,395,000 in origination value.