Mortgage Lenders and Brokers in Lynchburg, 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
Lynchburg, Ohio mortgage lenders include First State BankFirst State Bank4901 Vine St, Cincinnati, OH 45217, Peoples BankPeoples Bank158 E Cuyahoga Falls Ave, Akron, OH 44310A+5.0 ★Texas Ratio: 3.39%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1308 North Reynolds Rd, Adams Township, OH 43615A+5.0 ★Texas Ratio: 3.22%, Wright Patt Credit Union IncWright Patt Credit Union Inc1506 N Fairfield Rd, Beavercreek, OH 45432 2737A5.0 ★Texas Ratio: 6.22%, Southern Hills Community BankSouthern Hills Community Bank223 Main St, Lynchburg, OH 45142A5.0 ★Texas Ratio: 7.26%, Merchants National BankMerchants National Bank20 E Stimson Ave, Athens, OH 45701A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.528 S Main St, Ada, OH 45810A+5.0 ★Texas Ratio: 2.85%, Huntington National BankHuntington National Bank3421 Ridgewood Rd, Akron, OH 44333A+5.0 ★Texas Ratio: 3.66%, Union Savings BankUnion Savings Bank1240 N Bridge Street, Chillicothe, OH 45601, and Atomic Credit Union, IncAtomic Credit Union, Inc920 E State St, Athens, OH 45701 2116A+5.0 ★Texas Ratio: 2.28%. 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 Lynchburg, Ohio in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lynchburg 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 Lynchburg, Ohio
Market share is the lender's share of all home loans closed in Lynchburg, 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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First State Bank
4901 Vine St, Cincinnati, OH 45217 |
Conventional, HELOC | 7 +3 HELOCs |
5.5% | 70% | $186,428 | |
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158 E Cuyahoga Falls Ave, Akron, OH 44310 A+5.0 ★Texas Ratio: 3.39% |
Conventional, FHA, HELOC | 7 +1 HELOCs |
5.5% | 100% | $163,571 | View |
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1308 North Reynolds Rd, Adams Township, OH 43615 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, VA, HELOC | 6 +7 HELOCs |
4.7% | 75% | $103,333 | View |
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1506 N Fairfield Rd, Beavercreek, OH 45432 2737 A5.0 ★Texas Ratio: 6.22% |
Conventional, HELOC | 5 +5 HELOCs |
3.9% | 55.6% | $63,000 | View |
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223 Main St, Lynchburg, OH 45142 A5.0 ★Texas Ratio: 7.26% |
Conventional | 5 | 3.9% | 100% | $85,000 | View |
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20 E Stimson Ave, Athens, OH 45701 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 4 | 3.1% | 100% | $142,500 | View |
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528 S Main St, Ada, OH 45810 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 3 | 2.4% | 100% | $91,666 | View |
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3421 Ridgewood Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 2 +1 HELOCs |
1.6% | 100% | $245,000 | View |
Union Savings Bank
1240 N Bridge Street, Chillicothe, OH 45601 |
Conventional, HELOC | 2 +1 HELOCs |
1.6% | 100% | $105,000 | |
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920 E State St, Athens, OH 45701 2116 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 2 | 1.6% | 50% | $125,000 | View |
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39 Oak St, Amelia, OH 45102 A+5.0 ★Texas Ratio: 0.82% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 100% | $165,000 | View |
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1249 Canton Rd, Akron, OH 44312 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.8% | 100% | $265,000 | View |
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★ 5 stars, 1 review 1147 OLD STATE ROUTE 74, BATAVIA, OH 45103 A5.0 ★Texas Ratio: 7.78% |
Conventional | 1 | 0.8% | 100% | $155,000 | View |
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1095 S Main St, Centerville, OH 45458 A+5.0 ★Texas Ratio: 4.63% |
Conventional | 1 | 0.8% | 100% | $175,000 | View |
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1719 W Ohio Pike, Amelia, OH 45102 A+5.0 ★Texas Ratio: 0.96% |
Conventional | 1 | 0.8% | 50% | $275,000 | View |
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225 Reading Rd, Mason, OH 45040 B4.6 ★Texas Ratio: 20.46% |
Conventional | 1 | 0.8% | 100% | $135,000 | View |
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1187 W Ohio Pike, Amelia, OH 45102 A5.0 ★Texas Ratio: 6.62% |
Conventional | 1 | 0.8% | 100% | $85,000 | View |
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2147 East Ave, Akron, OH 44314 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3451 Center Rd, Brunswick, OH 44212 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 35 Montrose West Ave, Akron, OH 44321 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 9511 Kenwood Rd, Blue Ash, OH 45242 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Union Home Mortgage Corp.
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Conventional, FHA | 2 | 1.6% | 100% | $185,000 | |
Equity Resources Inc
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FHA | 1 | 0.8% | 100% | $195,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.8% | 100% | $195,000 | |
loanDepot.com LLC
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Conventional, FHA, VA, USDA | 14 | 11% | 82.4% | $170,714 | |
Rocket Mortgage
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Conventional, FHA, VA | 8 | 6.3% | 80% | $147,500 | |
Paramount Residential Mortgage
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Conventional, USDA | 4 | 3.1% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 0.38% |
Conventional, FHA, VA | 3 | 2.4% | 100% | $171,666 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +1 HELOCs |
1.6% | 50% | $255,000 | |
United Wholesale Mortgage
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Conventional, FHA | 2 | 1.6% | 66.7% | $215,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 1.6% | 100% | $350,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 2 | 1.6% | 100% | $110,000 | View |
Das Acquisition Company, LLC
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FHA | 2 | 1.6% | 100% | $240,000 | |
Tjc Mortgage Inc
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Conventional, FHA | 2 | 1.6% | 100% | $150,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 1.6% | 100% | $100,000 | |
Carrington Mortgage Services LLC
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Conventional | 2 | 1.6% | 100% | $80,000 | |
EMM Loans LLC
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FHA | 1 | 0.8% | 100% | $165,000 | |
Guaranteed Rate, Inc.
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USDA | 1 | 0.8% | 100% | $175,000 | |
Goodleap, LLC
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FHA | 1 | 0.8% | 100% | $155,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.8% | 50% | $65,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 0.8% | 100% | $175,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.8% | 50% | $145,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.8% | 100% | $255,000 | View |
American Financing Corporation
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FHA | 1 | 0.8% | 100% | $275,000 | |
Nfm, Inc
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FHA | 1 | 0.8% | 100% | $245,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.8% | 100% | $195,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $215,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.8% | 100% | $185,000 | |
BoxCar Mortgage, LLC
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FHA | 1 | 0.8% | 100% | $135,000 | |
Hometown Equity Mortgage, LLC
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USDA | 1 | 0.8% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.8% | 100% | $125,000 | View |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $295,000 | |
Mortgage Research Center
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VA | 1 | 0.8% | 100% | $265,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $125,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.8% | 100% | $125,000 | |
New American Funding, LLC.
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FHA | 1 | 0.8% | 100% | $225,000 | |
Lower, LLC
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FHA | 1 | 0.8% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.8% | 100% | $295,000 | View |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.8% | 100% | $295,000 | |
21St Mortgage
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Conventional | 1 | 0.8% | 50% | $105,000 | |
Goprime Mortgage, Inc.
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VA | 1 | 0.8% | 100% | $255,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.8% | 100% | $165,000 | |
Village Capital & Investment
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VA | 1 | 0.8% | 33.3% | $185,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.8% | 100% | $125,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Lynchburg 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 Lynchburg, Ohio
Looking for mortgage lenders near me or mortgage brokers near me in Lynchburg? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lynchburg in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lynchburg, OH
Use these to narrow the list above. Each category shows how many Lynchburg, OH lenders fit and what that kind of lender is usually best for.
Who Lends in Lynchburg, OH
Independent mortgage companies closed 53.5 percent of home loans in Lynchburg, Ohio in 2025, banks 37.8 percent and credit unions 8.7 percent. Union Home Mortgage Corp. was the largest mortgage company, First State Bank the largest bank and Wright Patt Credit Union Inc the largest credit union. Among lenders headquartered in Ohio, First State Bank led with 7 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 Lynchburg, OH
By home loans closed in 2025, First State Bank was the largest mortgage lender in Lynchburg, Ohio with 7 loans, about 5.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
27 lenders closed FHA loans in Lynchburg, Ohio in 2025, led by loanDepot.com LLC with 6. 9 lenders closed VA loans, led by Fifth Third Bank, National Association, and 4 closed USDA rural loans. 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. 21 banks and 5 credit unions closed home loans in Lynchburg, Ohio in 2025, alongside 40 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 Lynchburg, 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 Lynchburg, 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 Lynchburg. 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.
