Mortgage Lenders and Brokers in Chillicothe, Ohio
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Chillicothe, Ohio mortgage lenders include Kingston National BankKingston National Bank790 Western Ave, Chillicothe, OH 45601A+5.0 ★Texas Ratio: 2.44%, Fifth Third Bank, National AssociationFifth Third Bank, National Association128 W Main St, Chillicothe, OH 45601A+5.0 ★Texas Ratio: 3.22%, Huntington National BankHuntington National Bank200 E Main St, Chillicothe, OH 45601A+5.0 ★Texas Ratio: 3.66%, Vinton County National BankVinton County National Bank222 E Main St, Chillicothe, OH 45601A+5.0 ★Texas Ratio: 1.84%, Lcnb National BankLcnb National Bank1006 Western Ave, Chillicothe, OH 45601A+5.0 ★Texas Ratio: 2.05%, Homeland Credit UnionHomeland Credit Union310 Caldwell St, Chillicothe, OH 45601A+5.0 ★Texas Ratio: 1.83%, Wesbanco Bank, Inc.Wesbanco Bank, Inc.49 E Water St, Chillicothe, OH 45601A+5.0 ★Texas Ratio: 3.87%, PNC Bank N.A.PNC Bank N.A.1080 N Bridge St, Chillicothe, OH 45601A+5.0 ★Texas Ratio: 4.24%, Atomic Credit Union, IncAtomic Credit Union, Inc1326 N Bridge St, Chillicothe, OH 45601A+5.0 ★Texas Ratio: 2.28%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1249 Canton Rd, Akron, OH 44312A+5.0 ★Texas Ratio: 3.68%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Chillicothe, Ohio in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Chillicothe are listed first, then lenders elsewhere in Ohio, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Chillicothe, Ohio
Market share is the lender's share of all home loans closed in Chillicothe, Ohio. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Chillicothe 790 Western Ave, Chillicothe, OH 45601 A+5.0 ★Texas Ratio: 2.44% |
Conventional | 22 | 4.9% | 100% | $106,818 | View |
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1 office in Chillicothe 128 W Main St, Chillicothe, OH 45601 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 13 +7 HELOCs |
2.9% | 68.4% | $147,307 | View |
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2 offices in Chillicothe 200 E Main St, Chillicothe, OH 45601 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 12 +41 HELOCs |
2.7% | 65% | $210,000 | View |
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2 offices in Chillicothe 222 E Main St, Chillicothe, OH 45601 A+5.0 ★Texas Ratio: 1.84% |
Conventional, HELOC | 9 +13 HELOCs |
2% | 68.8% | $297,222 | View |
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2 offices in Chillicothe 1006 Western Ave, Chillicothe, OH 45601 A+5.0 ★Texas Ratio: 2.05% |
Conventional | 9 | 2% | 100% | $140,555 | View |
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310 Caldwell St, Chillicothe, OH 45601 A+5.0 ★Texas Ratio: 1.83% |
Conventional | 7 | 1.6% | 77.8% | $107,857 | View |
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1 office in Chillicothe 49 E Water St, Chillicothe, OH 45601 A+5.0 ★Texas Ratio: 3.87% |
Conventional, FHA, VA, HELOC | 4 +8 HELOCs |
0.9% | 66.7% | $290,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Chillicothe 1080 N Bridge St, Chillicothe, OH 45601 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 3 +12 HELOCs |
0.7% | 60% | $145,000 | View |
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1326 N Bridge St, Chillicothe, OH 45601 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 12 | 2.7% | 38.7% | $102,500 | View |
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1249 Canton Rd, Akron, OH 44312 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, HELOC | 6 +1 HELOCs |
1.3% | 100% | $263,333 | View |
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528 S Main St, Ada, OH 45810 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +2 HELOCs |
0.4% | 33.3% | $135,000 | View |
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1080 N Bridge St, Chillicothe, OH 45601 1789 A+5.0 ★Texas Ratio: 5.33% |
Conventional, HELOC | 2 +2 HELOCs |
0.4% | 100% | $25,000 | View |
Union Savings Bank
1240 N Bridge Street, Chillicothe, OH 45601 |
Conventional, FHA, HELOC | 2 +2 HELOCs |
0.4% | 66.7% | $155,000 | |
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1506 N Fairfield Rd, Beavercreek, OH 45432 2737 A5.0 ★Texas Ratio: 6.22% |
Conventional | 2 | 0.4% | 100% | $195,000 | View |
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2147 East Ave, Akron, OH 44314 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1135 W Ohio Pike, Amelia, OH 45102 1240 A+5.0 ★Texas Ratio: 3.32% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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35592 Detroit Rd, Avon, OH 44011 A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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760 Kinnear Rd, Columbus, OH 43212 1488 A+5.0 ★Texas Ratio: 3.12% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Union Home Mortgage Corp.
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Conventional, FHA, HELOC | 12 +2 HELOCs |
2.7% | 92.3% | $135,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 4 | 0.9% | 100% | $145,000 | |
Rapid Mortgage Company
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Conventional, FHA | 3 | 0.7% | 100% | $305,000 | |
Union Capital Mortgage Corp
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Conventional, VA | 3 | 0.7% | 75% | $218,333 | |
Equity Resources Inc
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Conventional | 2 | 0.4% | 100% | $295,000 | |
Go Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Nations Lending Corporation
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VA | 1 | 0.2% | 100% | $315,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, HELOC | 104 +3 HELOCs |
23.1% | 100% | $221,346 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, FHA | 28 | 6.2% | 100% | $172,500 | |
Rocket Mortgage
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Conventional, FHA, VA | 26 | 5.8% | 86.7% | $156,923 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 23 | 5.1% | 88.9% | $240,652 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA, VA | 18 | 4% | 100% | $176,666 | |
Mortgage Research Center
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VA | 13 | 2.9% | 76.5% | $229,615 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 12 | 2.7% | 85.7% | $240,000 | |
Freedom Mortgage Corporation
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FHA, VA | 7 | 1.6% | 77.8% | $197,857 | |
Nationstar Mortgage
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Conventional, VA | 6 | 1.3% | 85.7% | $101,666 | |
Lower, LLC
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Conventional, FHA | 6 | 1.3% | 85.7% | $115,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 6 | 1.3% | 30.8% | $125,000 | |
Nfm, Inc
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Conventional, FHA | 5 | 1.1% | 71.4% | $195,000 | |
Paramount Residential Mortgage
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Conventional, FHA | 5 | 1.1% | 100% | $183,000 | |
loanDepot.com LLC
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Conventional, FHA, VA | 4 | 0.9% | 66.7% | $95,000 | |
Click n' Close, Inc.
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Conventional, FHA | 4 | 0.9% | 100% | $140,000 | |
New Day Financial, LLC.
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VA | 4 | 0.9% | 55.6% | $167,500 | |
New American Funding, LLC.
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Conventional, FHA | 4 | 0.9% | 100% | $135,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 3 | 0.7% | 100% | $285,000 | |
The Loan Store, Inc
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Conventional, FHA | 3 | 0.7% | 100% | $138,333 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.4% | 50% | $100,000 | |
Lakeview Loan Servicing, LLC
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FHA | 2 | 0.4% | 60% | $325,000 | |
Success Lending, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $70,000 | |
Newrez LLC
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VA | 2 | 0.4% | 66.7% | $180,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 0.4% | 100% | $100,000 | |
Das Acquisition Company, LLC
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FHA | 2 | 0.4% | 66.7% | $185,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.4% | 100% | $305,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.4% | 100% | $90,000 | View |
Carrington Mortgage Services LLC
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Conventional, VA | 2 | 0.4% | 50% | $240,000 | |
Village Capital & Investment
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FHA, VA | 2 | 0.4% | 80% | $135,000 | |
Goodleap, LLC
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FHA, HELOC | 1 +2 HELOCs |
0.2% | 50% | $145,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.2% | 100% | $185,000 | |
RANLife, Inc.
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FHA | 1 | 0.2% | 100% | $245,000 | |
Howard Hanna Financial Services, Inc
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.2% | 100% | $55,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $195,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.2% | 14.3% | $35,000 | |
Synergy One Lending, Inc.
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FHA | 1 | 0.2% | 100% | $185,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.2% | 100% | $185,000 | |
Cmg Mortgage Inc
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VA | 1 | 0.2% | 100% | $625,000 | |
HomeBridge Financial Services, Inc
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FHA | 1 | 0.2% | 100% | $325,000 | |
Mortgage 1 Incorporated
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Absolute Home Mortgage
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FHA | 1 | 0.2% | 100% | $315,000 | |
Network Capital Funding Corporation
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FHA | 1 | 0.2% | 50% | $395,000 | |
American Financing Corporation
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FHA | 1 | 0.2% | 33.3% | $175,000 | |
ClearPath Lending
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VA | 1 | 0.2% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.2% | 100% | $355,000 | View |
Planet Home Lending, LLC
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VA | 1 | 0.2% | 50% | $325,000 | |
Embrace Home Loans, Inc.
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VA | 1 | 0.2% | 100% | $165,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Chillicothe Mortgage Rate Trends
Daily average mortgage rates for Ohio compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Chillicothe, Ohio
Looking for mortgage lenders near me or mortgage brokers near me in Chillicothe? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Chillicothe in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Chillicothe, OH
Use these to narrow the list above. Each category shows how many Chillicothe, OH lenders fit and what that kind of lender is usually best for.
Who Lends in Chillicothe, OH
Independent mortgage companies closed 74.9 percent of home loans in Chillicothe, Ohio in 2025, banks 20 percent and credit unions 5.1 percent. Union Home Mortgage Corp. was the largest mortgage company, Kingston National Bank the largest bank and Homeland Credit Union the largest credit union. Among lenders headquartered in Ohio, Kingston National Bank led with 22 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Ohio. State real property conveyance fee of $1 per $1,000 plus a permissive county fee of up to $3 per $1,000, for a total of up to $4 per $1,000 (0.4 percent), customarily paid by the seller; no mortgage recording tax.
More Ohio Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Chillicothe, OH
By home loans closed in 2025, Kingston National Bank was the largest mortgage lender in Chillicothe, Ohio with 22 loans, about 4.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Chillicothe, Ohio, Guaranteed Rate, Inc. approved the highest share of completed applications in 2025 at 100 percent, against a 80.5 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
36 lenders closed FHA loans in Chillicothe, Ohio in 2025, led by Guaranteed Rate, Inc. with 29. 21 lenders closed VA loans, led by Guaranteed Rate, Inc.. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 17 banks and 7 credit unions closed home loans in Chillicothe, Ohio in 2025, alongside 52 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Chillicothe, Ohio during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Chillicothe, Ohio for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Chillicothe. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
