Chillicothe Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Chillicothe averaged
6.82%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.85% and
one month ago for the week of 2025-05-15, the
average rate was 6.92%.
Chillicothe's average rate one year ago was 6.96%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.81%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Chillicothe 30 Year Fixed Rate | 2025-06-18 | 6.82% |
| Chillicothe 30 Year Fixed Rate Refi | 2025-06-18 | 6.81% |
| Chillicothe 15 Year Fixed Rate | 2025-06-18 | 5.96% |
| Chillicothe 15 Year Fixed Rate Refi | 2025-06-18 | 5.86% |
| Chillicothe 30 Year FHA | 2025-06-18 | 0.43% |
| Chillicothe 30 Year FHA Refi | 2025-06-18 | 0.2% |
| Chillicothe 30 Year USDA | 2025-06-18 | -0.2% |
| Chillicothe 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Chillicothe 30 Year VA | 2025-06-18 | 0.12% |
| Chillicothe 30 Year VA Refi | 2025-06-18 | -0.1% |
Chillicothe Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Chillicothe, OH market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Chillicothe Average Closing Costs & Other Stats
Chillicothe, OH's 71 lenders originated 1,216
loans during 2024. The total origination value was $217,570,000, with an average loan value of
$178,923.
Chillicothe's average closing costs are $5,005.
The top Chillicothe lender as defined by loan originations is GUARANTEED RATE, INC., with
77 loans originated. Their average total fees are
$4,153, which is $1,000
higher than the next largest lender,
THE VINTON COUNTY NATIONAL BANK.
The lowest fee Chillicothe lenders (with over 10 loans originated) are
Fifth Third Bank ($3,054), HOMELAND CREDIT UNION, INC. ($3,095), THE VINTON COUNTY NATIONAL BANK ($3,153), GUARANTEED RATE, INC. ($4,153) and The Huntington National Bank ($4,653).
The lowest rate Chillicothe lenders (with over 10 loans originated) are
GUARANTEED RATE, INC. (6.73%), QUICKEN LOANS, LLC (6.82%), The Huntington National Bank (6.91%), HOMELAND CREDIT UNION, INC. (7.02%) and Fifth Third Bank (7.11%).
Chillicothe, OH Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| GUARANTEED RATE, INC. | $26,700,000 | $30,165,000 | 13.0% | 13.9% |
| THE VINTON COUNTY NATIONAL BANK | $22,430,000 | $20,755,000 | -7.5% | 9.5% |
| The Huntington National Bank | $8,475,000 | $10,710,000 | 26.4% | 4.9% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $2,635,000 | $9,730,000 | 269.3% | 4.5% |
| QUICKEN LOANS, LLC | $9,225,000 | $9,420,000 | 2.1% | 4.3% |
| Kingston National Bank | $7,975,000 | $8,280,000 | 3.8% | 3.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $4,785,000 | $7,875,000 | 64.6% | 3.6% |
| WALKER & DUNLOP, LLC | $7,155,000 | n/a | 3.3% | |
| Fifth Third Bank | $9,155,000 | $6,945,000 | -24.1% | 3.2% |
| Mortgage Research Center, LLC | $4,735,000 | $6,275,000 | 32.5% | 2.9% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,405,000 | $5,335,000 | 279.7% | 2.5% |
| WesBanco | $6,840,000 | $4,785,000 | -30.0% | 2.2% |
| ATOMIC CREDIT UNION, INC. | $5,450,000 | $4,295,000 | -21.2% | 2.0% |
| FREEDOM MORTGAGE CORPORATION | $900,000 | $4,090,000 | 354.4% | 1.9% |
| UNION HOME MORTGAGE CORP. | $7,885,000 | $3,940,000 | -50.0% | 1.8% |
| GSF Mortgage Corporation | $800,000 | $3,215,000 | 301.9% | 1.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $4,210,000 | $2,845,000 | -32.4% | 1.3% |
| NEWREZ LLC | $1,140,000 | $2,610,000 | 128.9% | 1.2% |
| PNC Bank | $1,805,000 | $2,330,000 | 29.1% | 1.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,500,000 | $2,240,000 | -10.4% | 1.0% |
| HOMELAND CREDIT UNION, INC. | $1,965,000 | $2,180,000 | 10.9% | 1.0% |
| NFM, INC. | $1,515,000 | $2,110,000 | 39.3% | 1.0% |
| LCNB National Bank | $1,480,000 | $2,105,000 | 42.2% | 1.0% |
| Union Savings Bank | $755,000 | $2,100,000 | 178.1% | 1.0% |
| DAS Acquisition Company, LLC | $4,850,000 | $2,015,000 | -58.5% | 0.9% |
| RUOFF MORTGAGE COMPANY, INC. | $2,220,000 | $1,730,000 | -22.1% | 0.8% |
| Farm Credit Mid-America, ACA | $945,000 | $1,630,000 | 72.5% | 0.7% |
| The Ohio Valley Bank Company | $1,345,000 | $1,510,000 | 12.3% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $635,000 | $1,445,000 | 127.6% | 0.7% |
| RAPID MORTGAGE COMPANY | $815,000 | $1,440,000 | 76.7% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,295,000 | $1,430,000 | 10.4% | 0.7% |
| POLARIS HOME FUNDING CORP. | $630,000 | $1,360,000 | 115.9% | 0.6% |
| Flagstar Bank, FSB | $1,870,000 | $1,345,000 | -28.1% | 0.6% |
| VILLAGE CAPITAL MORTGAGE | $410,000 | $1,175,000 | 186.6% | 0.5% |
| Paramount Residential Mortgage Group, Inc. | $715,000 | $1,120,000 | 56.6% | 0.5% |
| Carrington Mortgage Services, LLC | $840,000 | $1,085,000 | 29.2% | 0.5% |
| LOANDEPOT.COM, LLC | $1,240,000 | $1,080,000 | -12.9% | 0.5% |
| WRIGHT-PATT CREDIT UNION, INC. | $740,000 | $1,045,000 | 41.2% | 0.5% |
| U.S. Bank | $1,155,000 | $1,010,000 | -12.6% | 0.5% |
| The Savings Bank | $220,000 | $940,000 | 327.3% | 0.4% |
| USAA Federal Savings Bank | $720,000 | $935,000 | 29.9% | 0.4% |
| The Merchants National Bank | $1,920,000 | $930,000 | -51.6% | 0.4% |
| LENDINGHOME FUNDING CORPORATION | $115,000 | $855,000 | 643.5% | 0.4% |
| HOMESIDE FINANCIAL, LLC | $1,020,000 | $820,000 | -19.6% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $535,000 | $770,000 | 43.9% | 0.4% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $665,000 | n/a | 0.3% | |
| T2 FINANCIAL LLC | $830,000 | $650,000 | -21.7% | 0.3% |
| Equity Prime Mortgage LLC | $245,000 | $635,000 | 159.2% | 0.3% |
| Truist | $590,000 | n/a | 0.3% | |
| Discover Bank | $335,000 | $560,000 | 67.2% | 0.3% |
| UNION CAPITAL MORTGAGE CORPORATION | $555,000 | n/a | 0.3% | |
| UNIVERSAL 1 CREDIT UNION | $480,000 | $550,000 | 14.6% | 0.3% |
| BROKER SOLUTIONS, INC. | $720,000 | $520,000 | -27.8% | 0.2% |
| FIRST OHIO HOME FINANCE, INC. | $465,000 | $485,000 | 4.3% | 0.2% |
| Third Federal Savings and Loan Association of Cleveland | $970,000 | $485,000 | -50.0% | 0.2% |
| LAKE MICHIGAN CREDIT UNION | $475,000 | n/a | 0.2% | |
| The Union Bank Company | $470,000 | n/a | 0.2% | |
| BAYSHORE MORTGAGE FUNDING, LLC | $460,000 | n/a | 0.2% | |
| EQUITY RESOURCES, INC. | $330,000 | $420,000 | 27.3% | 0.2% |
| First National Bank of Pennsylvania | $410,000 | n/a | 0.2% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $380,000 | $410,000 | 7.9% | 0.2% |
| Guardian Savings Bank, A Federal Savings Bank | $385,000 | n/a | 0.2% | |
| NAVY FEDERAL CREDIT UNION | $945,000 | $365,000 | -61.4% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $105,000 | $365,000 | 247.6% | 0.2% |
| Nations Lending Corporation | $520,000 | $360,000 | -30.8% | 0.2% |
| PLANET HOME LENDING, LLC | $305,000 | $360,000 | 18.0% | 0.2% |
| The Federal Savings Bank | $85,000 | $360,000 | 323.5% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $355,000 | n/a | 0.2% | |
| CHURCHILL MORTGAGE CORPORATION | $115,000 | $355,000 | 208.7% | 0.2% |
| Figure Lending LLC | $60,000 | $330,000 | 450.0% | 0.2% |
| BETTER MORTGAGE CORPORATION | $315,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $805,000 | $315,000 | -60.9% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $320,000 | $305,000 | -4.7% | 0.1% |
| AmeriHome Mortgage Company, LLC | $295,000 | n/a | 0.1% | |
| Coastal Community Bank | $65,000 | $295,000 | 353.8% | 0.1% |
| GUILD MORTGAGE COMPANY | $145,000 | $290,000 | 100.0% | 0.1% |
| Southern Hills Community Bank | $85,000 | $290,000 | 241.2% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $285,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $1,260,000 | $285,000 | -77.4% | 0.1% |
| PREMIA MORTGAGE, LLC | $275,000 | n/a | 0.1% | |
| First Federal Savings and Loan Association of Lakewood | $260,000 | n/a | 0.1% | |
| OCMBC, INC. | $260,000 | n/a | 0.1% | |
| The Loan Store, Inc. | $260,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $250,000 | n/a | 0.1% | |
| Republic Bank & Trust Company | $235,000 | n/a | 0.1% | |
| TJC Mortgage, Inc. | $235,000 | n/a | 0.1% | |
| The Park National Bank | $795,000 | $225,000 | -71.7% | 0.1% |
| Heartland Bank | $315,000 | $215,000 | -31.7% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $300,000 | $210,000 | -30.0% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $515,000 | $205,000 | -60.2% | 0.1% |
| First Financial Bank | $35,000 | $200,000 | 471.4% | 0.1% |
| Peoples Bank | $210,000 | $200,000 | -4.8% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $165,000 | $195,000 | 18.2% | 0.1% |
| KeyBank | $195,000 | $195,000 | 0.0% | 0.1% |
| Prosperity Home Mortgage, LLC | $195,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $105,000 | $195,000 | 85.7% | 0.1% |
| VAN DYK MORTGAGE CORPORATION | $195,000 | n/a | 0.1% | |
| KEMBA FINANCIAL | $45,000 | $190,000 | 322.2% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $190,000 | n/a | 0.1% | |
| East Coast Capital Corp. | $185,000 | n/a | 0.1% | |
| JPMorgan Chase Bank | $1,000,000 | $185,000 | -81.5% | 0.1% |
| Residential Mortgage Solutions, Inc. | $185,000 | n/a | 0.1% | |
| S1L, Inc. | $185,000 | n/a | 0.1% | |
| TrueCore Federal Credit Union | $195,000 | $185,000 | -5.1% | 0.1% |
| Victorian Finance, LLC | $185,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $175,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $460,000 | $175,000 | -62.0% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $175,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $175,000 | n/a | 0.1% | |
| AXIA FINANCIAL, LLC | $170,000 | n/a | 0.1% | |
| Citizens Bank | $885,000 | $170,000 | -80.8% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $170,000 | n/a | 0.1% | |
| EDUCATION FIRST CREDIT UNION, INC. | $165,000 | n/a | 0.1% | |
| STOCKTON MORTGAGE CORPORATION | $165,000 | n/a | 0.1% | |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $155,000 | n/a | 0.1% | |
| MILEND, INC. | $155,000 | n/a | 0.1% | |
| RELIANCE FIRST CAPITAL, LLC | $340,000 | $155,000 | -54.4% | 0.1% |
| The Citizens National Bank of Bluffton | $725,000 | $155,000 | -78.6% | 0.1% |
| MYCUMORTGAGE, LLC | $145,000 | n/a | 0.1% | |
| TELHIO | $240,000 | $135,000 | -43.8% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $325,000 | $130,000 | -60.0% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $125,000 | n/a | 0.1% | |
| GENERAL ELECTRIC CREDIT UNION | $105,000 | $125,000 | 19.0% | 0.1% |
| LOANPAL, LLC | $125,000 | n/a | 0.1% | |
| CME Federal Credit Union | $225,000 | $110,000 | -51.1% | 0.1% |
| GREENWOOD | $110,000 | n/a | 0.1% | |
| S&T Bank | $105,000 | n/a | 0.0% | |
| Wells Fargo Bank | $510,000 | $95,000 | -81.4% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $105,000 | $85,000 | -19.0% | 0.0% |
| Minster Bank | $85,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $75,000 | $75,000 | 0.0% | 0.0% |
| AMERICAN FINANCING CORPORATION | $65,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $55,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $55,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $385,000 | $35,000 | -90.9% | 0.0% |
| HONDA Federal Credit Union | $25,000 | n/a | 0.0% |
Chillicothe's top lender by overall market share is GUARANTEED RATE, INC., with 13.9% market share. In second place, with 9.5%, is THE VINTON COUNTY NATIONAL BANK, having originated $20,755,000 in loans. In third place, with 4.9%, is The Huntington National Bank, having originated $10,710,000 in loans. In fourth place, with 4.5%, is GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION, having originated $9,730,000 in loans. In fifth place, with 4.3%, is QUICKEN LOANS, LLC, having originated $9,420,000 in loans.
Chillicothe, OH Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 676 | $145,030,000 | $214,541 |
| Cash Out Refi | 166 | $26,710,000 | $160,904 |
| Refi | 154 | $28,300,000 | $183,766 |
| Other | 111 | $9,415,000 | $84,820 |
| Home Improvement | 109 | $8,115,000 | $74,450 |
Chillicothe's most frequently cited loan purpose was Home Purchase, with 676 originations. The 2nd most popular reason was Cash Out Refi, with 166 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 446 | $92,330,000 | $207,018 |
| Over 8% | 278 | $25,510,000 | $91,763 |
| 7-8% | 265 | $51,445,000 | $194,132 |
| 5-6% | 99 | $29,455,000 | $297,525 |
| 3-4% | 24 | $2,440,000 | $101,667 |
| <2.5% | 13 | $245,000 | $18,846 |
| 4-5% | 8 | $2,220,000 | $277,500 |
During 2024, Chillicothe's most frequently originated rate bucket was 6-7%, with 446 originations.
Loan Sizing (Chillicothe, OH MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 468 | $70,290,000 | $150,192 |
| $100,000 or less | 348 | $20,670,000 | $59,397 |
| $200k-400k | 345 | $91,465,000 | $265,116 |
| $400k-600k | 45 | $20,785,000 | $461,889 |
| $600k-1000k | 9 | $7,205,000 | $800,556 |
| $Over $1MM | 1 | $7,155,000 | $7,155,000 |
Chillicothe's loan sizing saw the bucket of loans from $100k-200k with 468 originations, totaling $70,290,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 509 | $112,575,000 | $221,169 |
| 60-80% | 202 | $43,730,000 | $216,485 |
| 20-40% | 149 | $12,225,000 | $82,047 |
| Under 20% | 124 | $5,200,000 | $41,935 |
| 40-60% | 96 | $13,960,000 | $145,417 |
| Over 100% | 32 | $10,500,000 | $328,125 |
Chillicothe's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 509 originations, totaling $112,575,000 in origination value.