Top Mortgage Lenders in Circleville, OH

Which mortgage lender in the Circleville, OH area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Circleville, OH area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Circleville, OH area in terms of interest rate is Homeland Credit Union, with an average “Rate Difference” of -0.14%. This means that, comparing similar borrowers, Homeland Credit Union provided a -0.14% lower interest rate for its customers than other lenders in the area. Homeland Credit Union has a market share of 2.8%. On the other hand, the most popular lender in the Circleville, OH area is Quicken Loans, with a larger market share of 12.7%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.04% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in 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 $548,250 in 2021), 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. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Circleville, OH

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Homeland Credit Union-0.14%(4.0)2.85%
WesBanco-0.13%(4.0)3.43%
Huntington National Bank-0.13%(4.0)10.99%
Peoples Bank OH WY KY-0.13%(4.0)4.14%
Union Savings Bank-0.12%(4.0)2.40%
Fifth Third Bank-0.10%(4.0)11.65%
LCNB National Bank-0.09%(4.0)1.38%
JPMorgan Chase Bank-0.07%(4.0)2.36%
US Bank-0.04%(3.5)6.63%
American Mortgage Service Company-0.03%(3.5)2.05%
PRMG Mortgage0.01%(3.5)1.96%
Desco Federal Credit Union0.01%(3.5)6.90%
Vinton County National Bank0.02%(3.5)2.22%
Quicken Loans0.04%(3.5)12.72%
loanDepot0.05%(3.5)1.87%
PNC Bank0.06%(3.0)3.96%
Union Home Mortgage0.08%(3.0)4.23%
NFM Lending0.08%(3.0)1.96%
LendUS LLC0.09%(3.0)4.67%
Rapid Mortgage Company0.10%(3.0)2.40%
DAS Acquisition Company0.10%(3.0)2.62%
Hometown Lenders0.38%(1.5)6.63%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.18%(4.5)12.27%
WesBanco-0.16%(4.5)4.49%
Peoples Bank OH WY KY-0.13%(4.0)2.62%
Fifth Third Bank-0.13%(4.0)11.59%
Homeland Credit Union-0.11%(4.0)2.09%
US Bank-0.11%(4.0)6.36%
LCNB National Bank-0.07%(4.0)0.97%
Quicken Loans-0.06%(4.0)6.66%
Union Savings Bank-0.04%(3.5)1.27%
American Mortgage Service Company-0.04%(3.5)3.22%
Vinton County National Bank-0.03%(3.5)1.57%
JPMorgan Chase Bank-0.02%(3.5)1.50%
PNC Bank-0.02%(3.5)2.02%
Desco Federal Credit Union-0.00%(3.5)7.03%
PRMG Mortgage0.01%(3.5)2.69%
loanDepot0.04%(3.5)0.60%
LendUS LLC0.09%(3.0)7.18%
NFM Lending0.10%(3.0)2.62%
Union Home Mortgage0.10%(3.0)5.09%
Rapid Mortgage Company0.10%(3.0)3.59%
DAS Acquisition Company0.11%(3.0)4.04%
Hometown Lenders0.39%(1.5)10.55%
Lender NameRate DifferenceRate RatingMarket Share
Homeland Credit Union-0.16%(4.5)3.95%
Union Savings Bank-0.15%(4.0)4.06%
Peoples Bank OH WY KY-0.12%(4.0)6.37%
LCNB National Bank-0.10%(4.0)1.98%
JPMorgan Chase Bank-0.09%(4.0)3.62%
Fifth Third Bank-0.06%(4.0)11.75%
WesBanco-0.06%(4.0)1.87%
Huntington National Bank-0.05%(3.5)9.11%
American Mortgage Service Company-0.03%(3.5)0.33%
NFM Lending-0.01%(3.5)0.99%
PRMG Mortgage0.01%(3.5)0.88%
DAS Acquisition Company0.02%(3.5)0.55%
Union Home Mortgage0.02%(3.5)2.96%
Rapid Mortgage Company0.02%(3.5)0.66%
LendUS LLC0.03%(3.5)0.99%
Desco Federal Credit Union0.05%(3.5)6.70%
Hometown Lenders0.05%(3.0)0.88%
loanDepot0.06%(3.0)3.73%
US Bank0.06%(3.0)7.03%
Vinton County National Bank0.06%(3.0)3.18%
Quicken Loans0.09%(3.0)21.62%
PNC Bank0.10%(3.0)6.81%
Lender NameRate DifferenceRate RatingMarket Share
Homeland Credit Union-0.12%(4.0)4.25%
Union Savings Bank-0.11%(4.0)3.04%
Peoples Bank OH WY KY-0.10%(4.0)6.28%
Fifth Third Bank-0.07%(4.0)15.52%
LCNB National Bank-0.07%(4.0)2.09%
Huntington National Bank-0.04%(3.5)11.00%
WesBanco-0.04%(3.5)2.90%
JPMorgan Chase Bank-0.04%(3.5)3.58%
US Bank-0.01%(3.5)8.57%
American Mortgage Service Company0.04%(3.5)1.35%
Vinton County National Bank0.04%(3.5)3.37%
Desco Federal Credit Union0.04%(3.5)9.58%
LendUS LLC0.07%(3.0)3.44%
PRMG Mortgage0.07%(3.0)0.54%
NFM Lending0.07%(3.0)1.15%
Union Home Mortgage0.08%(3.0)3.37%
PNC Bank0.09%(3.0)5.74%
loanDepot0.10%(3.0)0.74%
Quicken Loans0.13%(3.0)9.45%
Rapid Mortgage Company0.13%(3.0)1.15%
DAS Acquisition Company0.13%(3.0)1.75%
Hometown Lenders0.15%(2.5)1.15%
Lender NameRate DifferenceRate RatingMarket Share
Peoples Bank OH WY KY-0.09%(4.0)4.66%
US Bank-0.08%(4.0)8.52%
Homeland Credit Union-0.08%(4.0)3.60%
Fifth Third Bank-0.08%(4.0)17.18%
Huntington National Bank-0.04%(3.5)12.65%
LCNB National Bank-0.03%(3.5)1.73%
WesBanco-0.03%(3.5)3.86%
Vinton County National Bank0.01%(3.5)2.80%
JPMorgan Chase Bank0.02%(3.5)2.66%
PNC Bank0.02%(3.5)3.06%
Union Savings Bank0.03%(3.5)1.46%
Desco Federal Credit Union0.04%(3.5)10.92%
American Mortgage Service Company0.05%(3.5)2.66%
Quicken Loans0.06%(3.0)4.79%
LendUS LLC0.08%(3.0)5.99%
PRMG Mortgage0.09%(3.0)0.93%
NFM Lending0.11%(3.0)1.73%
Union Home Mortgage0.13%(3.0)3.86%
Rapid Mortgage Company0.15%(2.5)2.00%
DAS Acquisition Company0.16%(2.5)2.93%
Hometown Lenders0.18%(2.5)2.00%
Lender NameRate DifferenceRate RatingMarket Share
Union Savings Bank-0.16%(4.5)4.65%
Homeland Credit Union-0.15%(4.5)4.92%
Peoples Bank OH WY KY-0.12%(4.0)7.93%
LCNB National Bank-0.10%(4.0)2.46%
JPMorgan Chase Bank-0.08%(4.0)4.51%
WesBanco-0.06%(4.0)1.92%
Fifth Third Bank-0.06%(4.0)13.82%
Huntington National Bank-0.04%(3.5)9.30%
NFM Lending-0.01%(3.5)0.55%
PRMG Mortgage0.01%(3.5)0.14%
LendUS LLC0.01%(3.5)0.82%
Hometown Lenders0.02%(3.5)0.27%
Union Home Mortgage0.02%(3.5)2.87%
DAS Acquisition Company0.03%(3.5)0.55%
Rapid Mortgage Company0.03%(3.5)0.27%
Desco Federal Credit Union0.05%(3.0)8.21%
US Bank0.07%(3.0)8.62%
Vinton County National Bank0.07%(3.0)3.97%
loanDepot0.09%(3.0)1.50%
PNC Bank0.11%(3.0)8.48%
Quicken Loans0.14%(3.0)14.23%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.41%(5.0)10.10%
WesBanco-0.32%(5.0)4.62%
Fifth Third Bank-0.22%(4.5)4.45%
American Mortgage Service Company-0.15%(4.0)3.08%
Union Savings Bank-0.13%(4.0)1.03%
US Bank-0.12%(4.0)2.57%
Quicken Loans-0.10%(4.0)18.49%
PNC Bank-0.07%(4.0)0.34%
Desco Federal Credit Union-0.06%(4.0)0.34%
PRMG Mortgage-0.05%(4.0)4.45%
loanDepot0.00%(3.5)3.60%
DAS Acquisition Company0.05%(3.5)4.28%
Rapid Mortgage Company0.05%(3.0)5.48%
NFM Lending0.07%(3.0)3.60%
Union Home Mortgage0.08%(3.0)6.34%
LendUS LLC0.10%(3.0)8.22%
Hometown Lenders0.40%(1.5)19.01%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.46%(5.0)10.88%
WesBanco-0.34%(5.0)5.44%
Fifth Third Bank-0.25%(5.0)4.81%
Quicken Loans-0.18%(4.5)9.21%
American Mortgage Service Company-0.15%(4.5)3.77%
Union Savings Bank-0.14%(4.0)1.26%
US Bank-0.13%(4.0)2.93%
PNC Bank-0.08%(4.0)0.42%
Desco Federal Credit Union-0.07%(4.0)0.42%
PRMG Mortgage-0.06%(4.0)4.81%
loanDepot-0.02%(3.5)1.67%
DAS Acquisition Company0.04%(3.5)5.23%
Rapid Mortgage Company0.04%(3.5)6.49%
NFM Lending0.07%(3.0)4.18%
Union Home Mortgage0.08%(3.0)6.69%
LendUS LLC0.10%(3.0)9.41%
Hometown Lenders0.40%(1.5)22.38%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.08%(4.0)6.60%
PRMG Mortgage-0.04%(3.5)2.83%
US Bank-0.02%(3.5)0.94%
Fifth Third Bank-0.02%(3.5)2.83%
NFM Lending-0.02%(3.5)0.94%
WesBanco-0.01%(3.5)0.94%
Quicken Loans-0.01%(3.5)60.38%
Rapid Mortgage Company-0.00%(3.5)0.94%
LendUS LLC0.05%(3.5)2.83%
Union Home Mortgage0.05%(3.5)4.72%
loanDepot0.05%(3.5)12.26%
Hometown Lenders0.06%(3.0)3.77%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank0.00%(3.5)66.67%
Fifth Third Bank0.00%(3.5)33.33%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank0.00%(3.5)50.00%
Fifth Third Bank0.00%(3.5)50.00%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank0.00%(3.5)100.00%
Lender NameRate DifferenceRate RatingMarket Share
Desco Federal Credit Union-0.08%(4.0)6.15%
US Bank-0.07%(4.0)3.91%
Huntington National Bank-0.07%(4.0)12.85%
WesBanco-0.06%(4.0)3.91%
PNC Bank-0.05%(3.5)1.12%
Union Home Mortgage-0.05%(3.5)4.47%
Homeland Credit Union-0.04%(3.5)0.56%
Union Savings Bank-0.04%(3.5)1.68%
Fifth Third Bank-0.04%(3.5)2.79%
NFM Lending-0.03%(3.5)3.35%
loanDepot-0.03%(3.5)5.59%
American Mortgage Service Company-0.03%(3.5)4.47%
PRMG Mortgage-0.02%(3.5)5.59%
Rapid Mortgage Company0.00%(3.5)2.79%
Quicken Loans0.01%(3.5)21.23%
LendUS LLC0.03%(3.5)3.35%
DAS Acquisition Company0.06%(3.0)4.47%
Hometown Lenders0.19%(2.5)11.73%
Lender NameRate DifferenceRate RatingMarket Share
Desco Federal Credit Union-0.09%(4.0)9.43%
WesBanco-0.08%(4.0)4.72%
US Bank-0.08%(4.0)6.60%
Huntington National Bank-0.07%(4.0)15.09%
Union Home Mortgage-0.06%(4.0)6.60%
PNC Bank-0.06%(4.0)1.89%
Quicken Loans-0.05%(4.0)8.49%
Homeland Credit Union-0.05%(4.0)0.94%
Fifth Third Bank-0.04%(3.5)1.89%
PRMG Mortgage-0.04%(3.5)5.66%
NFM Lending-0.04%(3.5)1.89%
American Mortgage Service Company-0.01%(3.5)4.72%
Rapid Mortgage Company0.02%(3.5)1.89%
LendUS LLC0.02%(3.5)5.66%
DAS Acquisition Company0.07%(3.0)6.60%
Hometown Lenders0.20%(2.5)17.92%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.07%(4.0)9.59%
American Mortgage Service Company-0.06%(4.0)4.11%
Union Savings Bank-0.03%(3.5)4.11%
Union Home Mortgage-0.02%(3.5)1.37%
NFM Lending-0.02%(3.5)5.48%
WesBanco-0.02%(3.5)2.74%
Desco Federal Credit Union-0.02%(3.5)1.37%
Fifth Third Bank-0.02%(3.5)4.11%
DAS Acquisition Company-0.02%(3.5)1.37%
loanDepot-0.02%(3.5)13.70%
Rapid Mortgage Company-0.00%(3.5)4.11%
Hometown Lenders0.01%(3.5)2.74%
PRMG Mortgage0.01%(3.5)5.48%
Quicken Loans0.04%(3.5)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 of the data is 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 conditional on the commuting zone, 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.

Mortgage Lender Rankings in Other Cities

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