Top Mortgage Lenders in the Circleville, OH area

Which mortgage lender in the Circleville, OH area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Circleville, OH area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Circleville, OH area is Homeland Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.14%. This means that Homeland Credit Union provided a -0.14% lower interest rate for its customers than other lenders in Circleville, OH for a similar set of borrowers. Homeland Credit Union has a market share of 2.8%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 12.5%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.04% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Circleville, OH area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Circleville, OH is Homeland Credit Union. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Huntington National Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Huntington National Bank. The cheapest VA mortgage provider is Desco Federal Credit Union. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Homeland Credit Union 1, -0.14% 2.79%
WesBanco Bank, Inc 2, -0.13% 3.35%
Huntington National Bank 3, -0.13% 10.75%
Peoples Bank 4, -0.13% 4.05%
Union Savings Bank 5, -0.12% 2.35%
Fifth Third Bank, National Association 6, -0.10% 11.40%
LCNB National Bank 7, -0.09% 1.35%
JPMorgan Chase Bank 8, -0.07% 2.31%
Citizens Bank 9, -0.04% 2.13%
Us Bank 10, -0.04% 6.48%
American Mortgage Service Company 11, -0.03% 2.00%
Paramount Residential Mortgage Group Inc 12, 0.01% 1.91%
Desco Federal Credit Union 13, 0.02% 6.74%
The Vinton County National Bank 14, 0.02% 2.18%
Quicken Loans 15, 0.04% 12.49%
LoanDepot 16, 0.05% 1.83%
Pnc Bank 17, 0.06% 3.87%
Union Home Mortgage Company 18, 0.08% 4.13%
NFM, Inc 19, 0.08% 1.91%
RPM Mortgage 20, 0.09% 4.57%
Rapid Mortgage Company 21, 0.10% 2.35%
DAS Acquisition Company 22, 0.10% 2.57%
Hometown Lenders INC 23, 0.38% 6.48%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.18% 11.99%
WesBanco Bank, Inc 2, -0.16% 4.39%
Peoples Bank 3, -0.13% 2.56%
Fifth Third Bank, National Association 4, -0.13% 11.33%
Homeland Credit Union 5, -0.11% 2.05%
Us Bank 6, -0.11% 6.21%
LCNB National Bank 7, -0.07% 0.95%
Quicken Loans 8, -0.05% 6.51%
Citizens Bank 9, -0.05% 2.27%
Union Savings Bank 10, -0.04% 1.24%
American Mortgage Service Company 11, -0.03% 3.14%
The Vinton County National Bank 12, -0.03% 1.54%
JPMorgan Chase Bank 13, -0.02% 1.46%
Pnc Bank 14, -0.02% 1.97%
Desco Federal Credit Union 15, -0.00% 6.87%
Paramount Residential Mortgage Group Inc 16, 0.01% 2.63%
LoanDepot 17, 0.04% 0.58%
RPM Mortgage 18, 0.10% 7.02%
NFM, Inc 19, 0.10% 2.56%
Union Home Mortgage Company 20, 0.10% 4.97%
Rapid Mortgage Company 21, 0.10% 3.51%
DAS Acquisition Company 22, 0.11% 3.95%
Hometown Lenders INC 23, 0.40% 10.31%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Homeland Credit Union 1, -0.16% 3.87%
Union Savings Bank 2, -0.15% 3.98%
Peoples Bank 3, -0.12% 6.24%
LCNB National Bank 4, -0.10% 1.94%
JPMorgan Chase Bank 5, -0.09% 3.55%
Fifth Third Bank, National Association 6, -0.06% 11.51%
WesBanco Bank, Inc 7, -0.06% 1.83%
Huntington National Bank 8, -0.05% 8.92%
American Mortgage Service Company 9, -0.03% 0.32%
Citizens Bank 10, -0.03% 1.94%
NFM, Inc 11, -0.00% 0.97%
Paramount Residential Mortgage Group Inc 12, 0.01% 0.86%
DAS Acquisition Company 13, 0.02% 0.54%
Union Home Mortgage Company 14, 0.02% 2.90%
Rapid Mortgage Company 15, 0.02% 0.65%
RPM Mortgage 16, 0.03% 0.97%
Desco Federal Credit Union 17, 0.05% 6.56%
Hometown Lenders INC 18, 0.05% 0.86%
LoanDepot 19, 0.06% 3.66%
Us Bank 20, 0.06% 6.88%
The Vinton County National Bank 21, 0.06% 3.12%
Quicken Loans 22, 0.09% 21.29%
Pnc Bank 23, 0.10% 6.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Homeland Credit Union 1, -0.12% 4.17%
Union Savings Bank 2, -0.11% 2.98%
Peoples Bank 3, -0.10% 6.15%
Fifth Third Bank, National Association 4, -0.07% 15.22%
LCNB National Bank 5, -0.07% 2.05%
Huntington National Bank 6, -0.04% 10.79%
WesBanco Bank, Inc 7, -0.04% 2.85%
JPMorgan Chase Bank 8, -0.04% 3.51%
Us Bank 9, -0.01% 8.41%
Citizens Bank 10, 0.00% 1.85%
American Mortgage Service Company 11, 0.04% 1.32%
The Vinton County National Bank 12, 0.04% 3.31%
Desco Federal Credit Union 13, 0.04% 9.40%
RPM Mortgage 14, 0.07% 3.38%
Paramount Residential Mortgage Group Inc 15, 0.07% 0.53%
NFM, Inc 16, 0.07% 1.13%
Union Home Mortgage Company 17, 0.08% 3.31%
Pnc Bank 18, 0.09% 5.63%
LoanDepot 19, 0.10% 0.73%
Quicken Loans 20, 0.13% 9.33%
Rapid Mortgage Company 21, 0.13% 1.13%
DAS Acquisition Company 22, 0.13% 1.72%
Hometown Lenders INC 23, 0.15% 1.13%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Peoples Bank 1, -0.09% 4.58%
Us Bank 2, -0.08% 8.38%
Homeland Credit Union 3, -0.08% 3.53%
Fifth Third Bank, National Association 4, -0.08% 16.88%
Huntington National Bank 5, -0.04% 12.43%
LCNB National Bank 6, -0.03% 1.70%
WesBanco Bank, Inc 7, -0.03% 3.80%
The Vinton County National Bank 8, 0.01% 2.75%
JPMorgan Chase Bank 9, 0.02% 2.62%
Pnc Bank 10, 0.02% 3.01%
Union Savings Bank 11, 0.03% 1.44%
Citizens Bank 12, 0.03% 1.70%
Desco Federal Credit Union 13, 0.04% 10.73%
American Mortgage Service Company 14, 0.05% 2.62%
Quicken Loans 15, 0.06% 4.71%
RPM Mortgage 16, 0.08% 5.89%
Paramount Residential Mortgage Group Inc 17, 0.09% 0.92%
NFM, Inc 18, 0.10% 1.70%
Union Home Mortgage Company 19, 0.13% 3.80%
Rapid Mortgage Company 20, 0.15% 1.96%
DAS Acquisition Company 21, 0.16% 2.88%
Hometown Lenders INC 22, 0.18% 1.96%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Union Savings Bank 1, -0.16% 4.55%
Homeland Credit Union 2, -0.15% 4.82%
Peoples Bank 3, -0.12% 7.76%
LCNB National Bank 4, -0.10% 2.41%
JPMorgan Chase Bank 5, -0.08% 4.42%
WesBanco Bank, Inc 6, -0.06% 1.87%
Fifth Third Bank, National Association 7, -0.06% 13.52%
Huntington National Bank 8, -0.04% 9.10%
Citizens Bank 9, -0.03% 2.01%
NFM, Inc 10, -0.01% 0.54%
Paramount Residential Mortgage Group Inc 11, 0.02% 0.13%
RPM Mortgage 12, 0.02% 0.80%
Hometown Lenders INC 13, 0.02% 0.27%
Union Home Mortgage Company 14, 0.02% 2.81%
DAS Acquisition Company 15, 0.03% 0.54%
Rapid Mortgage Company 16, 0.03% 0.27%
Desco Federal Credit Union 17, 0.05% 8.03%
Us Bank 18, 0.07% 8.43%
The Vinton County National Bank 19, 0.07% 3.88%
LoanDepot 20, 0.09% 1.47%
Pnc Bank 21, 0.11% 8.30%
Quicken Loans 22, 0.14% 14.06%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.41% 9.85%
WesBanco Bank, Inc 2, -0.32% 4.51%
Fifth Third Bank, National Association 3, -0.22% 4.34%
American Mortgage Service Company 4, -0.14% 3.01%
Citizens Bank 5, -0.13% 2.50%
Union Savings Bank 6, -0.13% 1.00%
Us Bank 7, -0.11% 2.50%
Quicken Loans 8, -0.10% 18.03%
Pnc Bank 9, -0.06% 0.33%
Desco Federal Credit Union 10, -0.05% 0.33%
Paramount Residential Mortgage Group Inc 11, -0.05% 4.34%
LoanDepot 12, 0.00% 3.51%
DAS Acquisition Company 13, 0.05% 4.17%
Rapid Mortgage Company 14, 0.05% 5.34%
NFM, Inc 15, 0.08% 3.51%
Union Home Mortgage Company 16, 0.08% 6.18%
RPM Mortgage 17, 0.10% 8.01%
Hometown Lenders INC 18, 0.40% 18.53%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.46% 10.61%
WesBanco Bank, Inc 2, -0.34% 5.31%
Fifth Third Bank, National Association 3, -0.25% 4.69%
Quicken Loans 4, -0.18% 8.98%
Citizens Bank 5, -0.15% 2.45%
American Mortgage Service Company 6, -0.15% 3.67%
Union Savings Bank 7, -0.13% 1.22%
Us Bank 8, -0.13% 2.86%
Pnc Bank 9, -0.07% 0.41%
Desco Federal Credit Union 10, -0.06% 0.41%
Paramount Residential Mortgage Group Inc 11, -0.05% 4.69%
LoanDepot 12, -0.01% 1.63%
DAS Acquisition Company 13, 0.04% 5.10%
Rapid Mortgage Company 14, 0.05% 6.33%
NFM, Inc 15, 0.08% 4.08%
Union Home Mortgage Company 16, 0.08% 6.53%
RPM Mortgage 17, 0.10% 9.18%
Hometown Lenders INC 18, 0.41% 21.84%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.08% 6.42%
Paramount Residential Mortgage Group Inc 2, -0.04% 2.75%
Us Bank 3, -0.02% 0.92%
Fifth Third Bank, National Association 4, -0.02% 2.75%
Citizens Bank 5, -0.02% 2.75%
NFM, Inc 6, -0.01% 0.92%
WesBanco Bank, Inc 7, -0.01% 0.92%
Quicken Loans 8, -0.01% 58.72%
Rapid Mortgage Company 9, -0.00% 0.92%
RPM Mortgage 10, 0.05% 2.75%
Union Home Mortgage Company 11, 0.05% 4.59%
LoanDepot 12, 0.05% 11.93%
Hometown Lenders INC 13, 0.06% 3.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, 0.00% 66.67%
Fifth Third Bank, National Association 2, 0.00% 33.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, 0.00% 50.00%
Fifth Third Bank, National Association 2, 0.00% 50.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Desco Federal Credit Union 1, -0.07% 5.95%
Us Bank 2, -0.07% 3.78%
Huntington National Bank 3, -0.07% 12.43%
WesBanco Bank, Inc 4, -0.06% 3.78%
Citizens Bank 5, -0.05% 3.24%
Pnc Bank 6, -0.05% 1.08%
Union Home Mortgage Company 7, -0.05% 4.32%
Homeland Credit Union 8, -0.04% 0.54%
Union Savings Bank 9, -0.04% 1.62%
Fifth Third Bank, National Association 10, -0.03% 2.70%
NFM, Inc 11, -0.03% 3.24%
LoanDepot 12, -0.03% 5.41%
American Mortgage Service Company 13, -0.03% 4.32%
Paramount Residential Mortgage Group Inc 14, -0.02% 5.41%
Rapid Mortgage Company 15, 0.00% 2.70%
Quicken Loans 16, 0.01% 20.54%
RPM Mortgage 17, 0.03% 3.24%
DAS Acquisition Company 18, 0.07% 4.32%
Hometown Lenders INC 19, 0.19% 11.35%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Desco Federal Credit Union 1, -0.09% 8.93%
WesBanco Bank, Inc 2, -0.08% 4.46%
Us Bank 3, -0.08% 6.25%
Huntington National Bank 4, -0.07% 14.29%
Citizens Bank 5, -0.06% 5.36%
Union Home Mortgage Company 6, -0.05% 6.25%
Pnc Bank 7, -0.05% 1.79%
Quicken Loans 8, -0.05% 8.04%
Homeland Credit Union 9, -0.05% 0.89%
Fifth Third Bank, National Association 10, -0.04% 1.79%
Paramount Residential Mortgage Group Inc 11, -0.04% 5.36%
NFM, Inc 12, -0.04% 1.79%
American Mortgage Service Company 13, -0.01% 4.46%
Rapid Mortgage Company 14, 0.02% 1.79%
RPM Mortgage 15, 0.03% 5.36%
DAS Acquisition Company 16, 0.07% 6.25%
Hometown Lenders INC 17, 0.21% 16.96%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.07% 9.59%
American Mortgage Service Company 2, -0.06% 4.11%
Union Savings Bank 3, -0.03% 4.11%
Union Home Mortgage Company 4, -0.02% 1.37%
NFM, Inc 5, -0.02% 5.48%
WesBanco Bank, Inc 6, -0.02% 2.74%
Desco Federal Credit Union 7, -0.02% 1.37%
Fifth Third Bank, National Association 8, -0.02% 4.11%
DAS Acquisition Company 9, -0.02% 1.37%
LoanDepot 10, -0.02% 13.70%
Rapid Mortgage Company 11, -0.00% 4.11%
Hometown Lenders INC 12, 0.01% 2.74%
Paramount Residential Mortgage Group Inc 13, 0.01% 5.48%
Quicken Loans 14, 0.04% 39.73%

* Data is compiled for the Circleville, OH commuting zone area, which comprises of counties of Jackson County, OH, Pickaway County, OH, Pike County, OH, Ross County, OH, Scioto County, OH, and Vinton County, OH. This includes cities/towns/communities of Circleville, OH as well as Chillicothe, OH, Commercial Point, OH, Portsmouth, OH, Ashville, OH, Jackson, OH, Wheelersburg, OH, Frankfort, OH, Tarlton, OH, Oak Hill, OH, Clarktown, OH, Kingston, OH, Waverly City, OH, Wellston, OH, Zaleski, OH, South Salem, OH, Richmond Dale, OH, Clarksburg, OH, Williamsport, OH, McDermott, OH, Darbyville, OH, Derby, OH, Piketon, OH, Beaver, OH, Bainbridge, OH, Cynthiana, OH, McArthur, OH, Friendship, OH, Lucasville, OH, Franklin Furnace, OH, South Webster, OH, West Portsmouth, OH, Rarden, OH, Andersonville, OH, and New Boston, OH. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

FB Comments