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. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and 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, going by historical data, 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 (above $548,250 or $822,375 depending on the area 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
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Homeland Credit Union | -0.14% | 2.85% | |
| WesBanco | -0.13% | 3.43% | |
| Huntington National Bank | -0.13% | 10.99% | |
| Peoples Bank OH WY KY | -0.13% | 4.14% | |
| Union Savings Bank | -0.12% | 2.40% | |
| Fifth Third Bank | -0.10% | 11.65% | |
| LCNB National Bank | -0.09% | 1.38% | |
| JPMorgan Chase Bank | -0.07% | 2.36% | |
| US Bank | -0.04% | 6.63% | |
| American Mortgage Service Company | -0.03% | 2.05% | |
| PRMG Mortgage | 0.01% | 1.96% | |
| Desco Federal Credit Union | 0.01% | 6.90% | |
| Vinton County National Bank | 0.02% | 2.22% | |
| Quicken Loans | 0.04% | 12.72% | |
| loanDepot | 0.05% | 1.87% | |
| PNC Bank | 0.06% | 3.96% | |
| Union Home Mortgage | 0.08% | 4.23% | |
| NFM Lending | 0.08% | 1.96% | |
| LendUS LLC | 0.09% | 4.67% | |
| Rapid Mortgage Company | 0.10% | 2.40% | |
| DAS Acquisition Company | 0.10% | 2.62% | |
| Hometown Lenders | 0.38% | 6.63% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | -0.18% | 12.27% | |
| WesBanco | -0.16% | 4.49% | |
| Peoples Bank OH WY KY | -0.13% | 2.62% | |
| Fifth Third Bank | -0.13% | 11.59% | |
| Homeland Credit Union | -0.11% | 2.09% | |
| US Bank | -0.11% | 6.36% | |
| LCNB National Bank | -0.07% | 0.97% | |
| Quicken Loans | -0.06% | 6.66% | |
| Union Savings Bank | -0.04% | 1.27% | |
| American Mortgage Service Company | -0.04% | 3.22% | |
| Vinton County National Bank | -0.03% | 1.57% | |
| JPMorgan Chase Bank | -0.02% | 1.50% | |
| PNC Bank | -0.02% | 2.02% | |
| Desco Federal Credit Union | -0.00% | 7.03% | |
| PRMG Mortgage | 0.01% | 2.69% | |
| loanDepot | 0.04% | 0.60% | |
| LendUS LLC | 0.09% | 7.18% | |
| NFM Lending | 0.10% | 2.62% | |
| Union Home Mortgage | 0.10% | 5.09% | |
| Rapid Mortgage Company | 0.10% | 3.59% | |
| DAS Acquisition Company | 0.11% | 4.04% | |
| Hometown Lenders | 0.39% | 10.55% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Homeland Credit Union | -0.16% | 3.95% | |
| Union Savings Bank | -0.15% | 4.06% | |
| Peoples Bank OH WY KY | -0.12% | 6.37% | |
| LCNB National Bank | -0.10% | 1.98% | |
| JPMorgan Chase Bank | -0.09% | 3.62% | |
| Fifth Third Bank | -0.06% | 11.75% | |
| WesBanco | -0.06% | 1.87% | |
| Huntington National Bank | -0.05% | 9.11% | |
| American Mortgage Service Company | -0.03% | 0.33% | |
| NFM Lending | -0.01% | 0.99% | |
| PRMG Mortgage | 0.01% | 0.88% | |
| DAS Acquisition Company | 0.02% | 0.55% | |
| Union Home Mortgage | 0.02% | 2.96% | |
| Rapid Mortgage Company | 0.02% | 0.66% | |
| LendUS LLC | 0.03% | 0.99% | |
| Desco Federal Credit Union | 0.05% | 6.70% | |
| Hometown Lenders | 0.05% | 0.88% | |
| loanDepot | 0.06% | 3.73% | |
| US Bank | 0.06% | 7.03% | |
| Vinton County National Bank | 0.06% | 3.18% | |
| Quicken Loans | 0.09% | 21.62% | |
| PNC Bank | 0.10% | 6.81% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Homeland Credit Union | -0.12% | 4.25% | |
| Union Savings Bank | -0.11% | 3.04% | |
| Peoples Bank OH WY KY | -0.10% | 6.28% | |
| Fifth Third Bank | -0.07% | 15.52% | |
| LCNB National Bank | -0.07% | 2.09% | |
| Huntington National Bank | -0.04% | 11.00% | |
| WesBanco | -0.04% | 2.90% | |
| JPMorgan Chase Bank | -0.04% | 3.58% | |
| US Bank | -0.01% | 8.57% | |
| American Mortgage Service Company | 0.04% | 1.35% | |
| Vinton County National Bank | 0.04% | 3.37% | |
| Desco Federal Credit Union | 0.04% | 9.58% | |
| LendUS LLC | 0.07% | 3.44% | |
| PRMG Mortgage | 0.07% | 0.54% | |
| NFM Lending | 0.07% | 1.15% | |
| Union Home Mortgage | 0.08% | 3.37% | |
| PNC Bank | 0.09% | 5.74% | |
| loanDepot | 0.10% | 0.74% | |
| Quicken Loans | 0.13% | 9.45% | |
| Rapid Mortgage Company | 0.13% | 1.15% | |
| DAS Acquisition Company | 0.13% | 1.75% | |
| Hometown Lenders | 0.15% | 1.15% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Peoples Bank OH WY KY | -0.09% | 4.66% | |
| US Bank | -0.08% | 8.52% | |
| Homeland Credit Union | -0.08% | 3.60% | |
| Fifth Third Bank | -0.08% | 17.18% | |
| Huntington National Bank | -0.04% | 12.65% | |
| LCNB National Bank | -0.03% | 1.73% | |
| WesBanco | -0.03% | 3.86% | |
| Vinton County National Bank | 0.01% | 2.80% | |
| JPMorgan Chase Bank | 0.02% | 2.66% | |
| PNC Bank | 0.02% | 3.06% | |
| Union Savings Bank | 0.03% | 1.46% | |
| Desco Federal Credit Union | 0.04% | 10.92% | |
| American Mortgage Service Company | 0.05% | 2.66% | |
| Quicken Loans | 0.06% | 4.79% | |
| LendUS LLC | 0.08% | 5.99% | |
| PRMG Mortgage | 0.09% | 0.93% | |
| NFM Lending | 0.11% | 1.73% | |
| Union Home Mortgage | 0.13% | 3.86% | |
| Rapid Mortgage Company | 0.15% | 2.00% | |
| DAS Acquisition Company | 0.16% | 2.93% | |
| Hometown Lenders | 0.18% | 2.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Union Savings Bank | -0.16% | 4.65% | |
| Homeland Credit Union | -0.15% | 4.92% | |
| Peoples Bank OH WY KY | -0.12% | 7.93% | |
| LCNB National Bank | -0.10% | 2.46% | |
| JPMorgan Chase Bank | -0.08% | 4.51% | |
| WesBanco | -0.06% | 1.92% | |
| Fifth Third Bank | -0.06% | 13.82% | |
| Huntington National Bank | -0.04% | 9.30% | |
| NFM Lending | -0.01% | 0.55% | |
| PRMG Mortgage | 0.01% | 0.14% | |
| LendUS LLC | 0.01% | 0.82% | |
| Hometown Lenders | 0.02% | 0.27% | |
| Union Home Mortgage | 0.02% | 2.87% | |
| DAS Acquisition Company | 0.03% | 0.55% | |
| Rapid Mortgage Company | 0.03% | 0.27% | |
| Desco Federal Credit Union | 0.05% | 8.21% | |
| US Bank | 0.07% | 8.62% | |
| Vinton County National Bank | 0.07% | 3.97% | |
| loanDepot | 0.09% | 1.50% | |
| PNC Bank | 0.11% | 8.48% | |
| Quicken Loans | 0.14% | 14.23% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | -0.41% | 10.10% | |
| WesBanco | -0.32% | 4.62% | |
| Fifth Third Bank | -0.22% | 4.45% | |
| American Mortgage Service Company | -0.15% | 3.08% | |
| Union Savings Bank | -0.13% | 1.03% | |
| US Bank | -0.12% | 2.57% | |
| Quicken Loans | -0.10% | 18.49% | |
| PNC Bank | -0.07% | 0.34% | |
| Desco Federal Credit Union | -0.06% | 0.34% | |
| PRMG Mortgage | -0.05% | 4.45% | |
| loanDepot | 0.00% | 3.60% | |
| DAS Acquisition Company | 0.05% | 4.28% | |
| Rapid Mortgage Company | 0.05% | 5.48% | |
| NFM Lending | 0.07% | 3.60% | |
| Union Home Mortgage | 0.08% | 6.34% | |
| LendUS LLC | 0.10% | 8.22% | |
| Hometown Lenders | 0.40% | 19.01% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | -0.46% | 10.88% | |
| WesBanco | -0.34% | 5.44% | |
| Fifth Third Bank | -0.25% | 4.81% | |
| Quicken Loans | -0.18% | 9.21% | |
| American Mortgage Service Company | -0.15% | 3.77% | |
| Union Savings Bank | -0.14% | 1.26% | |
| US Bank | -0.13% | 2.93% | |
| PNC Bank | -0.08% | 0.42% | |
| Desco Federal Credit Union | -0.07% | 0.42% | |
| PRMG Mortgage | -0.06% | 4.81% | |
| loanDepot | -0.02% | 1.67% | |
| DAS Acquisition Company | 0.04% | 5.23% | |
| Rapid Mortgage Company | 0.04% | 6.49% | |
| NFM Lending | 0.07% | 4.18% | |
| Union Home Mortgage | 0.08% | 6.69% | |
| LendUS LLC | 0.10% | 9.41% | |
| Hometown Lenders | 0.40% | 22.38% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | -0.08% | 6.60% | |
| PRMG Mortgage | -0.04% | 2.83% | |
| US Bank | -0.02% | 0.94% | |
| Fifth Third Bank | -0.02% | 2.83% | |
| NFM Lending | -0.02% | 0.94% | |
| WesBanco | -0.01% | 0.94% | |
| Quicken Loans | -0.01% | 60.38% | |
| Rapid Mortgage Company | -0.00% | 0.94% | |
| LendUS LLC | 0.05% | 2.83% | |
| Union Home Mortgage | 0.05% | 4.72% | |
| loanDepot | 0.05% | 12.26% | |
| Hometown Lenders | 0.06% | 3.77% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | 0.00% | 66.67% | |
| Fifth Third Bank | 0.00% | 33.33% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | 0.00% | 50.00% | |
| Fifth Third Bank | 0.00% | 50.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | 0.00% | 100.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Desco Federal Credit Union | -0.08% | 6.15% | |
| US Bank | -0.07% | 3.91% | |
| Huntington National Bank | -0.07% | 12.85% | |
| WesBanco | -0.06% | 3.91% | |
| PNC Bank | -0.05% | 1.12% | |
| Union Home Mortgage | -0.05% | 4.47% | |
| Homeland Credit Union | -0.04% | 0.56% | |
| Union Savings Bank | -0.04% | 1.68% | |
| Fifth Third Bank | -0.04% | 2.79% | |
| NFM Lending | -0.03% | 3.35% | |
| loanDepot | -0.03% | 5.59% | |
| American Mortgage Service Company | -0.03% | 4.47% | |
| PRMG Mortgage | -0.02% | 5.59% | |
| Rapid Mortgage Company | 0.00% | 2.79% | |
| Quicken Loans | 0.01% | 21.23% | |
| LendUS LLC | 0.03% | 3.35% | |
| DAS Acquisition Company | 0.06% | 4.47% | |
| Hometown Lenders | 0.19% | 11.73% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Desco Federal Credit Union | -0.09% | 9.43% | |
| WesBanco | -0.08% | 4.72% | |
| US Bank | -0.08% | 6.60% | |
| Huntington National Bank | -0.07% | 15.09% | |
| Union Home Mortgage | -0.06% | 6.60% | |
| PNC Bank | -0.06% | 1.89% | |
| Quicken Loans | -0.05% | 8.49% | |
| Homeland Credit Union | -0.05% | 0.94% | |
| Fifth Third Bank | -0.04% | 1.89% | |
| PRMG Mortgage | -0.04% | 5.66% | |
| NFM Lending | -0.04% | 1.89% | |
| American Mortgage Service Company | -0.01% | 4.72% | |
| Rapid Mortgage Company | 0.02% | 1.89% | |
| LendUS LLC | 0.02% | 5.66% | |
| DAS Acquisition Company | 0.07% | 6.60% | |
| Hometown Lenders | 0.20% | 17.92% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | -0.07% | 9.59% | |
| American Mortgage Service Company | -0.06% | 4.11% | |
| Union Savings Bank | -0.03% | 4.11% | |
| Union Home Mortgage | -0.02% | 1.37% | |
| NFM Lending | -0.02% | 5.48% | |
| WesBanco | -0.02% | 2.74% | |
| Desco Federal Credit Union | -0.02% | 1.37% | |
| Fifth Third Bank | -0.02% | 4.11% | |
| DAS Acquisition Company | -0.02% | 1.37% | |
| loanDepot | -0.02% | 13.70% | |
| Rapid Mortgage Company | -0.00% | 4.11% | |
| Hometown Lenders | 0.01% | 2.74% | |
| PRMG Mortgage | 0.01% | 5.48% | |
| Quicken Loans | 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 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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