Mortgage Lenders and Brokers in Vandalia, 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
Vandalia, Ohio mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA806 W National Rd, Vandalia, OH 45377A+5.0 ★Texas Ratio: 3.68%, Keybank National AssociationKeybank National Association205 E National Rd, Vandalia, OH 45377A+5.0 ★Texas Ratio: 4.81%, Abbey Credit UnionAbbey Credit Union800 Falls Creek Dr, Vandalia, OH 45377 8600A5.0 ★Texas Ratio: 13.11%, Monroe Federal Savings and Loan AssociationMonroe Federal Savings and Loan Association264 E National Rd, Vandalia, OH 45377A+5.0 ★Texas Ratio: 2.24%, Wright Patt Credit Union IncWright Patt Credit Union Inc1506 N Fairfield Rd, Beavercreek, OH 45432 2737A5.0 ★Texas Ratio: 6.22%, Union Savings BankUnion Savings Bank1240 N Bridge Street, Chillicothe, OH 45601, Huntington National BankHuntington National Bank3421 Ridgewood Rd, Akron, OH 44333A+5.0 ★Texas Ratio: 3.66%, US Bank, N.A.US Bank, N.A.528 S Main St, Ada, OH 45810A+5.0 ★Texas Ratio: 2.85%, Day Air Credit UnionDay Air Credit Union2089 Dayton Xenia Rd, Beavercreek, OH 45434 7156A+5.0 ★Texas Ratio: 4.81%, and Fifth Third Bank, National AssociationFifth Third Bank, National Association1308 North Reynolds Rd, Adams Township, OH 43615A+5.0 ★Texas Ratio: 3.22%. 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 Vandalia, Ohio in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Vandalia 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 Vandalia, Ohio
Market share is the lender's share of all home loans closed in Vandalia, 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 Vandalia 806 W National Rd, Vandalia, OH 45377 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.9% | 75% | $305,000 | View |
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1 office in Vandalia 205 E National Rd, Vandalia, OH 45377 A+5.0 ★Texas Ratio: 4.81% |
Conventional, FHA | 3 | 0.9% | 75% | $125,000 | View |
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800 Falls Creek Dr, Vandalia, OH 45377 8600 A5.0 ★Texas Ratio: 13.11% |
Conventional | 2 | 0.6% | 100% | $35,000 | View |
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1 office in Vandalia 264 E National Rd, Vandalia, OH 45377 A+5.0 ★Texas Ratio: 2.24% |
Conventional | 2 | 0.6% | 100% | $75,000 | View |
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1506 N Fairfield Rd, Beavercreek, OH 45432 2737 A5.0 ★Texas Ratio: 6.22% |
Conventional, HELOC | 29 +18 HELOCs |
8.7% | 80% | $149,482 | View |
Union Savings Bank
1240 N Bridge Street, Chillicothe, OH 45601 |
Conventional, FHA, VA, HELOC | 29 +5 HELOCs |
8.7% | 100% | $294,310 | |
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3421 Ridgewood Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 9 +2 HELOCs |
2.7% | 100% | $193,888 | View |
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528 S Main St, Ada, OH 45810 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA | 7 | 2.1% | 70% | $235,000 | View |
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2089 Dayton Xenia Rd, Beavercreek, OH 45434 7156 A+5.0 ★Texas Ratio: 4.81% |
Conventional, HELOC | 6 +4 HELOCs |
1.8% | 75% | $120,000 | View |
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1308 North Reynolds Rd, Adams Township, OH 43615 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, VA, HELOC | 5 +19 HELOCs |
1.5% | 83.3% | $117,000 | View |
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1107 Sweitzer St, Greenville, OH 45331 A+5.0 ★Texas Ratio: 1.79% |
Conventional | 5 | 1.5% | 100% | $245,000 | View |
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2923 Smith Rd, Akron, OH 44333 A+5.0 ★Texas Ratio: 3.21% |
Conventional, HELOC | 3 +4 HELOCs |
0.9% | 100% | $181,666 | View |
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4916 National Rd, Clayton, OH 45315 A+5.0 ★Texas Ratio: 4.49% |
Conventional, HELOC | 3 +2 HELOCs |
0.9% | 100% | $55,000 | View |
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★ 1.7 stars, 3 reviews 706 W National Rd, Vandalia, OH 45377 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +7 HELOCs |
0.6% | 100% | $160,000 | View |
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718 S Dixie Dr, Vandalia, OH 45377 A+5.0 ★Texas Ratio: 5.33% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 66.7% | $100,000 | View |
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3927 Indian Ripple Rd, Dayton, OH 45440 3449 A+5.0 ★Texas Ratio: 2.96% |
Conventional | 2 | 0.6% | 100% | $40,000 | View |
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11333 Princeton Pike, Cincinnati, OH 45246 A+5.0 ★Texas Ratio: 1.35% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $265,000 | View |
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223 N Miami Ave, Bradford, OH 45308 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
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3451 Center Rd, Brunswick, OH 44212 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
Honda Federal Credit Union
12500 Meranda Rd, Anna, OH 45302 9604 |
Conventional | 1 | 0.3% | 100% | $195,000 | |
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8530 N Dixie Dr, Dayton, OH 45414 A+5.0 ★Texas Ratio: 0.90% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
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158 E Cuyahoga Falls Ave, Akron, OH 44310 A+5.0 ★Texas Ratio: 3.39% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 12 | 3.6% | 100% | $252,500 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 7 | 2.1% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 7.47% |
Conventional, HELOC | 3 +3 HELOCs |
0.9% | 100% | $71,666 | View |
T2 Financial LLC
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Conventional, FHA | 2 | 0.6% | 100% | $225,000 | |
The Equitable Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $195,000 | |
Nations Lending Corporation
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Conventional | 1 | 0.3% | 100% | $155,000 | |
Liberty Home Mortgage Corp
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VA | 1 | 0.3% | 100% | $225,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 26 | 7.8% | 89.7% | $161,923 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA | 16 | 4.8% | 100% | $183,750 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 13 | 3.9% | 87.5% | $251,923 | |
Primelending
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Conventional, VA | 12 | 3.6% | 100% | $282,500 | |
Freedom Mortgage Corporation
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FHA, VA | 10 | 3% | 100% | $243,000 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 9 +1 HELOCs |
2.7% | 90% | $165,000 | |
Victory Mortgage, LLC
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Conventional, FHA, VA | 9 | 2.7% | 90% | $387,222 | |
Mortgage Research Center
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VA | 8 | 2.4% | 69.2% | $220,000 | |
Newrez LLC
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Conventional, FHA, VA | 6 | 1.8% | 85.7% | $218,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 6 | 1.8% | 100% | $230,000 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 5 | 1.5% | 100% | $171,000 | |
Polaris Home Funding Corp.
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Conventional, FHA | 4 | 1.2% | 100% | $202,500 | |
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A+5.0 ★Texas Ratio: 0.38% |
FHA, VA | 4 | 1.2% | 100% | $247,500 | View |
Guaranteed Rate, Inc.
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Conventional, VA | 4 | 1.2% | 100% | $232,500 | |
Das Acquisition Company, LLC
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Conventional | 4 | 1.2% | 71.4% | $152,500 | |
Spring Eq, LLC
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Conventional | 4 | 1.2% | 80% | $55,000 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 3 | 0.9% | 75% | $205,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 3 | 0.9% | 100% | $188,333 | |
Guild Mortgage Company
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Conventional, FHA | 3 | 0.9% | 100% | $165,000 | |
Tjc Mortgage Inc
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Conventional | 3 | 0.9% | 100% | $125,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 2 | 0.6% | 100% | $240,000 | View |
Discover Bank
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Conventional | 2 | 0.6% | 66.7% | $70,000 | |
VanDyk Mortgage Corporation
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Conventional | 2 | 0.6% | 100% | $225,000 | |
Nfm, Inc
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Conventional | 2 | 0.6% | 100% | $145,000 | |
Better Mortgage Corporation
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Conventional | 2 | 0.6% | 100% | $250,000 | |
American Financial Resources LLC
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FHA | 1 | 0.3% | 100% | $115,000 | |
Residential Wholesale Mortgage
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VA | 1 | 0.3% | 100% | $435,000 | |
Fourleaf Federal Credit Union
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FHA | 1 | 0.3% | 100% | $165,000 | |
Goodleap, LLC
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FHA | 1 | 0.3% | 100% | $135,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.3% | 100% | $225,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.3% | 100% | $155,000 | |
AAA Capital Investment, Inc
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Conventional | 1 | 0.3% | 100% | $295,000 | |
Nbkc Bank
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VA | 1 | 0.3% | 100% | $375,000 | |
Howard Hanna Financial Services, Inc
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FHA | 1 | 0.3% | 100% | $175,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.3% | 100% | $335,000 | |
Movement Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 2.38% |
VA | 1 | 0.3% | 100% | $795,000 | View |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 33.3% | $75,000 | |
AdvantageFirst Lending Inc
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VA | 1 | 0.3% | 100% | $235,000 | |
Air Academy Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $735,000 | |
Mortgage 1 Incorporated
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Conventional | 1 | 0.3% | 100% | $225,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.3% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 1.05% |
Conventional | 1 | 0.3% | 100% | $425,000 | View |
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A4.7 ★Texas Ratio: 3.20% |
Conventional | 1 | 0.3% | 100% | $215,000 | View |
Planet Home Lending, LLC
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FHA | 1 | 0.3% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $285,000 | View |
Stockton Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $55,000 | |
V.I.P. Mortgage, Inc.
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FHA | 1 | 0.3% | 100% | $335,000 | |
Lower, LLC
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FHA | 1 | 0.3% | 100% | $205,000 | |
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A5.0 ★Texas Ratio: 11.97% |
Conventional | 1 | 0.3% | 100% | $265,000 | View |
Paramount Residential Mortgage
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VA | 1 | 0.3% | 100% | $255,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
New American Funding, LLC.
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Vandalia 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 Vandalia, Ohio
Looking for mortgage lenders near me or mortgage brokers near me in Vandalia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Vandalia in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Vandalia, OH
Use these to narrow the list above. Each category shows how many Vandalia, OH lenders fit and what that kind of lender is usually best for.
Who Lends in Vandalia, OH
Independent mortgage companies closed 54.1 percent of home loans in Vandalia, Ohio in 2025, banks 29.1 percent and credit unions 16.8 percent. CrossCountry Mortgage, LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Abbey Credit Union the largest credit union. Among lenders headquartered in Ohio, JPMorgan Chase Bank, NA led with 3 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 Vandalia, OH
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Vandalia, Ohio with 3 loans, about 0.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
33 lenders closed FHA loans in Vandalia, Ohio in 2025, led by Union Savings Bank with 5. 22 lenders closed VA loans, led by Freedom Mortgage Corporation. 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. 25 banks and 13 credit unions closed home loans in Vandalia, Ohio in 2025, alongside 49 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 Vandalia, 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 Vandalia, 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 Vandalia. 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.
