Chillicothe Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Chillicothe averaged 6.39% for the week of 2023-05-25, compared to the national average of 6.57% for the same period.

The average rate for the prior week (2023-05-18) was 6.41% and one month ago for the week of 2023-04-20, the average rate was 6.51%.

Chillicothe's average rate one year ago was 4.97%.

For refis of the same type during the week of 2023-05-25, the average rate was 6.67%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-05-25 6.57%
Chillicothe 30 Year Fixed Rate 2023-05-25 6.39%
Chillicothe 30 Year Fixed Rate Refi 2023-05-25 6.67%
Chillicothe 15 Year Fixed Rate 2023-05-25 5.97%
Chillicothe 15 Year Fixed Rate Refi 2023-05-25 6.27%
Chillicothe 30 Year FHA 2023-05-25 6.41%
Chillicothe 30 Year FHA Refi 2023-05-25 6.71%
Chillicothe 30 Year USDA 2023-05-25 6.73%
Chillicothe 30 Year USDA Refi 2023-05-25 6.73%
Chillicothe 30 Year VA 2023-05-25 6.2%
Chillicothe 30 Year VA Refi 2023-05-25 6.51%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Chillicothe, OH.

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.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
THE VINTON COUNTY NATIONAL BANK 47 4.84% $3,177
QUICKEN LOANS, LLC 30 4.80% $4,709
WesBanco Bank, Inc. 30 4.88% $4,459
GUARANTEED RATE, INC. 29 5.83% $3,849
The Huntington National Bank 28 4.68% $4,055
Fifth Third Bank 27 5.32% $3,681
UNION HOME MORTGAGE CORP. 23 5.37% $4,724
Kingston National Bank 20 5.37% $2,157
DAS Acquisition Company, LLC 20 5.33% $4,840
Hometown Lenders, Inc. 18 5.59% $5,831
HOMELAND CREDIT UNION, INC. 14 5.32% $3,044
UNITED WHOLESALE MORTGAGE, LLC 10 5.61% $5,793
The Merchants National Bank 8 5.13% $1,544
The Ohio Valley Bank Company 8 5.67% $4,261
LCNB National Bank 7 3.80% $3,294
JPMorgan Chase Bank 5 5.05% $3,649
RUOFF MORTGAGE COMPANY, INC. 5 5.40% $4,707
PNC Bank 5 4.63% $2,885
LAKEVIEW LOAN SERVICING, LLC 5 4.95% $5,378
Mr. Cooper ( Nationstar Mortgage ) 4 4.62% $7,339
Farm Credit Mid-America, ACA 4 5.19% $6,195
PENNYMAC LOAN SERVICES, LLC 4 4.91% $3,214
AMERISAVE MORTGAGE CORPORATION 4 4.56% $5,181
HOMESIDE FINANCIAL, LLC 4 4.47% $4,322
Union Savings Bank 4 3.59% $1,988
NFM, INC. 4 5.16% $4,637
WRIGHT-PATT CREDIT UNION, INC. 3 4.88% $2,966
CALIBER HOME LOANS, INC. 3 5.25% $5,772
CROSSCOUNTRY MORTGAGE, LLC 3 5.83% $4,296
EQUITY RESOURCES, INC. 3 6.04% $3,933
J. VIRGIL, INC. 3 5.21% $4,984
KEMBA FINANCIAL 3 4.00% $2,832
NEWREZ LLC 3 6.16% $5,719
T2 FINANCIAL LLC 3 6.42% $5,483
Third Federal Savings and Loan Association of Cleveland 3 3.41% $2,543
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.19% $7,893
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 5.50% $4,180
FREEDOM MORTGAGE CORPORATION 2 5.38% $6,147
First Commonwealth Bank 2 3.93% $3,379
RAPID MORTGAGE COMPANY 2 5.87% $5,040
Wells Fargo Bank 2 3.63% $3,722
Flagstar Bank, FSB 2 4.98% $3,137
FIRST OHIO HOME FINANCE, INC. 2 5.38% $4,629
U.S. Bank 2 6.00% $4,224
Mortgage Research Center, LLC 2 6.25% $2,954
PLANET HOME LENDING, LLC 2 3.87% $7,703
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.75% $4,483
GENERAL ELECTRIC CREDIT UNION 2 5.13% $3,119
Carrington Mortgage Services, LLC 2 7.81% $6,199
PROVIDENT FUNDING ASSOCIATES, L.P. 1 3.63% $3,094
East Coast Capital Corp. 1 5.63% $7,707
Regions Bank 1 7.00% $3,413
Discover Bank 1 4.49% $0
SOFI LENDING CORP. 1 4.88% $3,893
AMERICAN MORTGAGE SERVICE COMPANY 1 3.88% $4,425
TELHIO 1 4.63% $2,479
THE EQUITABLE MORTGAGE CORPORATION 1 3.88% $3,294
CARDINAL FINANCIAL 1 6.25% $6,379
BETTER MORTGAGE CORPORATION 1 2.88% $2,028
The Park National Bank 1 7.88% $4,273
Bank of England 1 5.75% $4,435
Ally Bank 1 4.75% $3,979
Axos Bank 1 3.25% $11,478
ARC HOME LLC 1 4.38% $10,505
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 4.63% $5,184
GUARANTEED RATE AFFINITY, LLC 1 5.88% $6,143
GUILD MORTGAGE COMPANY 1 4.50% $3,561
Heartland Bank 1 4.25% $2,333
HOMESPIRE MORTGAGE CORPORATION 1 4.88% $5,904
Gateway First Bank 1 5.25% $2,576
VANDERBILT MORTGAGE AND FINANCE, INC. 1 7.75% $6,278
Warsaw Federal Savings and Loan Association 1 3.04% $4,961
KeyBank 1 5.75% $3,537
First State Bank 1 3.50% $2,638
LAND HOME FINANCIAL SERVICES, INC. 1 6.63% $5,150
LOANDEPOT.COM, LLC 1 6.99% $3,074
LOANPAL, LLC 1 5.38% $3,843
M&T Bank 1 4.25% $5,058
NAVY FEDERAL CREDIT UNION 1 5.50% $890
EUSTIS AND AMERICAN MORTGAGE COMPANY 1 3.88% $3,245
Paramount Residential Mortgage Group, Inc. 1 5.50% $4,900
ENDEAVOR CAPITAL, LLC. 1 6.50% $8,648
EMBRACE HOME LOANS, INC. 1 3.88% $5,164

Chillicothe Average Closing Costs & Other Stats

Chillicothe, OH's 83 lenders originated 1,497 loans during 2022. The total origination value was $240,085,000, with an average loan value of $160,377.

Chillicothe's average closing costs are $4,696.

The top Chillicothe lender as defined by loan originations is THE VINTON COUNTY NATIONAL BANK, with 47 loans originated. Their average total fees are $3,177, which is $1,532 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Chillicothe lenders (with over 10 loans originated) are Kingston National Bank ($2,157), HOMELAND CREDIT UNION, INC. ($3,044), THE VINTON COUNTY NATIONAL BANK ($3,177), Fifth Third Bank ($3,681) and GUARANTEED RATE, INC. ($3,849).

The lowest rate Chillicothe lenders (with over 10 loans originated) are The Huntington National Bank (4.68%), QUICKEN LOANS, LLC (4.80%), THE VINTON COUNTY NATIONAL BANK (4.84%), WesBanco Bank, Inc. (4.88%) and HOMELAND CREDIT UNION, INC. (5.32%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
THE VINTON COUNTY NATIONAL BANK $30,200,000 $20,640,000 -31.7% 8.6%
The Huntington National Bank $40,765,000 $16,175,000 -60.3% 6.7%
Hometown Lenders, Inc. $19,065,000 $16,135,000 -15.4% 6.7%
Kingston National Bank $14,170,000 $14,510,000 2.4% 6.0%
QUICKEN LOANS, LLC $20,630,000 $14,070,000 -31.8% 5.9%
WesBanco Bank, Inc. $14,660,000 $13,655,000 -6.9% 5.7%
Fifth Third Bank $23,280,000 $13,350,000 -42.7% 5.6%
GUARANTEED RATE, INC. $1,960,000 $12,445,000 534.9% 5.2%
UNION HOME MORTGAGE CORP. $18,695,000 $8,255,000 -55.8% 3.4%
DAS Acquisition Company, LLC $13,155,000 $7,725,000 -41.3% 3.2%
Mortgage Research Center, LLC $5,515,000 $7,400,000 34.2% 3.1%
HOMELAND CREDIT UNION, INC. $13,405,000 $5,140,000 -61.7% 2.1%
UNITED WHOLESALE MORTGAGE, LLC $2,605,000 $4,705,000 80.6% 2.0%
ATOMIC CREDIT UNION, INC. $2,615,000 $4,465,000 70.7% 1.9%
PNC Bank $6,060,000 $3,510,000 -42.1% 1.5%
Merchants Bank of Indiana $2,880,000 n/a 1.2%
Mr. Cooper ( Nationstar Mortgage ) $5,145,000 $2,685,000 -47.8% 1.1%
The Ohio Valley Bank Company $5,265,000 $2,685,000 -49.0% 1.1%
CROSSCOUNTRY MORTGAGE, LLC $450,000 $2,650,000 488.9% 1.1%
LCNB National Bank $12,965,000 $2,605,000 -79.9% 1.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $2,535,000 $2,330,000 -8.1% 1.0%
The Merchants National Bank $2,530,000 $1,865,000 -26.3% 0.8%
JPMorgan Chase Bank $2,480,000 $1,820,000 -26.6% 0.8%
NEWREZ LLC $1,995,000 $1,805,000 -9.5% 0.8%
AMERISAVE MORTGAGE CORPORATION $3,085,000 $1,715,000 -44.4% 0.7%
FREEDOM MORTGAGE CORPORATION $8,095,000 $1,685,000 -79.2% 0.7%
RAPID MORTGAGE COMPANY $1,490,000 $1,585,000 6.4% 0.7%
LAKEVIEW LOAN SERVICING, LLC $2,985,000 $1,540,000 -48.4% 0.6%
CALIBER HOME LOANS, INC. $5,005,000 $1,515,000 -69.7% 0.6%
RUOFF MORTGAGE COMPANY, INC. $1,670,000 $1,475,000 -11.7% 0.6%
Union Savings Bank $2,965,000 $1,445,000 -51.3% 0.6%
Farm Credit Mid-America, ACA $2,355,000 $1,405,000 -40.3% 0.6%
U.S. Bank $3,135,000 $1,400,000 -55.3% 0.6%
Carrington Mortgage Services, LLC $1,050,000 $1,265,000 20.5% 0.5%
T2 FINANCIAL LLC $1,515,000 $1,180,000 -22.1% 0.5%
NFM, INC. $995,000 $1,155,000 16.1% 0.5%
HOMESIDE FINANCIAL, LLC $1,875,000 $1,110,000 -40.8% 0.5%
BROKER SOLUTIONS, INC. $1,860,000 $1,070,000 -42.5% 0.4%
FIRST OHIO HOME FINANCE, INC. $2,835,000 $1,060,000 -62.6% 0.4%
The Savings Bank $790,000 $1,055,000 33.5% 0.4%
PENNYMAC LOAN SERVICES, LLC $3,035,000 $1,035,000 -65.9% 0.4%
LOANDEPOT.COM, LLC $5,625,000 $1,000,000 -82.2% 0.4%
First Commonwealth Bank $225,000 $990,000 340.0% 0.4%
Third Federal Savings and Loan Association of Cleveland $480,000 $925,000 92.7% 0.4%
NAVY FEDERAL CREDIT UNION $1,825,000 $920,000 -49.6% 0.4%
EQUITY RESOURCES, INC. $450,000 $870,000 93.3% 0.4%
GENERAL ELECTRIC CREDIT UNION $860,000 n/a 0.4%
WRIGHT-PATT CREDIT UNION, INC. $830,000 $805,000 -3.0% 0.3%
Paramount Residential Mortgage Group, Inc. $710,000 $770,000 8.5% 0.3%
KEMBA FINANCIAL $280,000 $755,000 169.6% 0.3%
First State Bank $55,000 $730,000 1,227.3% 0.3%
J. VIRGIL, INC. $1,640,000 $710,000 -56.7% 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $320,000 $705,000 120.3% 0.3%
HOME POINT FINANCIAL CORPORATION $2,185,000 $695,000 -68.2% 0.3%
AmRes Corporation $790,000 $690,000 -12.7% 0.3%
Warsaw Federal Savings and Loan Association $665,000 n/a 0.3%
The Federal Savings Bank $795,000 $650,000 -18.2% 0.3%
PLANET HOME LENDING, LLC $1,300,000 $595,000 -54.2% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $340,000 $570,000 67.6% 0.2%
CALCON MUTUAL MORTGAGE LLC $690,000 $565,000 -18.1% 0.2%
TOP FLITE FINANCIAL, INC. $520,000 $545,000 4.8% 0.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,270,000 $540,000 -57.5% 0.2%
POLARIS HOME FUNDING CORP. $1,655,000 $520,000 -68.6% 0.2%
Wells Fargo Bank $875,000 $515,000 -41.1% 0.2%
UNIVERSAL 1 CREDIT UNION $450,000 $505,000 12.2% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,355,000 $485,000 -64.2% 0.2%
MYCUMORTGAGE, LLC $765,000 $485,000 -36.6% 0.2%
EVERETT FINANCIAL, INC. $450,000 n/a 0.2%
Citizens Bank $2,475,000 $445,000 -82.0% 0.2%
GUILD MORTGAGE COMPANY $545,000 $420,000 -22.9% 0.2%
Barrington Bank & Trust Company, N.A. $250,000 $390,000 56.0% 0.2%
Flagstar Bank, FSB $1,605,000 $390,000 -75.7% 0.2%
ENDEAVOR CAPITAL, LLC. $185,000 $385,000 108.1% 0.2%
ARC HOME LLC $345,000 n/a 0.1%
Southern Hills Community Bank $765,000 $335,000 -56.2% 0.1%
Bank of England $330,000 n/a 0.1%
USAA Federal Savings Bank $1,035,000 $330,000 -68.1% 0.1%
Transportation Federal Credit Union $305,000 n/a 0.1%
NTFN, INC. $300,000 n/a 0.1%
Axos Bank $295,000 n/a 0.1%
KeyBank $295,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $435,000 $290,000 -33.3% 0.1%
Nations Lending Corporation $605,000 $280,000 -53.7% 0.1%
BANK OF LITTLE ROCK MORTGAGE CORPORATION $265,000 n/a 0.1%
Ally Bank $290,000 $260,000 -10.3% 0.1%
AMERICAN FINANCING CORPORATION $85,000 $260,000 205.9% 0.1%
Bank of America $1,450,000 $260,000 -82.1% 0.1%
Heartland Bank $260,000 n/a 0.1%
Equity Prime Mortgage LLC $125,000 $255,000 104.0% 0.1%
Evolve Bank & Trust $145,000 $255,000 75.9% 0.1%
The Park National Bank $340,000 $250,000 -26.5% 0.1%
AMERICAN MORTGAGE SERVICE COMPANY $155,000 $245,000 58.1% 0.1%
CONTOUR MORTGAGE CORPORATION $225,000 n/a 0.1%
CLEARPATH LENDING $1,215,000 $215,000 -82.3% 0.1%
East Coast Capital Corp. $225,000 $215,000 -4.4% 0.1%
NATIONS DIRECT MORTGAGE, LLC $215,000 n/a 0.1%
M&T Bank $200,000 $210,000 5.0% 0.1%
Discover Bank $250,000 $200,000 -20.0% 0.1%
GUARANTEED RATE AFFINITY, LLC $355,000 $195,000 -45.1% 0.1%
NP, Inc. $195,000 n/a 0.1%
Gateway First Bank $190,000 n/a 0.1%
EMBRACE HOME LOANS, INC. $185,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $945,000 $180,000 -81.0% 0.1%
BAYSHORE MORTGAGE FUNDING, LLC $450,000 $175,000 -61.1% 0.1%
HOMESPIRE MORTGAGE CORPORATION $175,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $1,740,000 $175,000 -89.9% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $175,000 $175,000 0.0% 0.1%
Figure Lending LLC $125,000 $170,000 36.0% 0.1%
SPRING EQ, LLC $170,000 n/a 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $165,000 n/a 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $165,000 n/a 0.1%
THE EQUITABLE MORTGAGE CORPORATION $295,000 $165,000 -44.1% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $155,000 n/a 0.1%
BETTER MORTGAGE CORPORATION $815,000 $145,000 -82.2% 0.1%
NEW DAY FINANCIAL, LLC $1,130,000 $145,000 -87.2% 0.1%
Regions Bank $145,000 n/a 0.1%
SOUTHPOINT FINANCIAL SERVICES, INC. $145,000 n/a 0.1%
First Guaranty Mortgage Corporation $310,000 $140,000 -54.8% 0.1%
GSF Mortgage Corporation $135,000 n/a 0.1%
AMERICAN ADVISORS GROUP $35,000 $125,000 257.1% 0.1%
CHURCHILL MORTGAGE CORPORATION $540,000 $125,000 -76.9% 0.1%
LAND HOME FINANCIAL SERVICES, INC. $555,000 $125,000 -77.5% 0.1%
MIDLAND MORTGAGE CORPORATION $125,000 n/a 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $125,000 n/a 0.1%
SOFI LENDING CORP. $125,000 n/a 0.1%
TELHIO $485,000 $125,000 -74.2% 0.1%
TOWER $125,000 n/a 0.1%
Peoples Bank $980,000 $120,000 -87.8% 0.0%
1st National Bank $115,000 n/a 0.0%
AMERIFIRST FINANCIAL CORPORATION $1,830,000 $115,000 -93.7% 0.0%
Hometown Equity Mortgage, LLC $310,000 $115,000 -62.9% 0.0%
LENDINGHOME FUNDING CORPORATION $115,000 n/a 0.0%
EUSTIS AND AMERICAN MORTGAGE COMPANY $105,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $545,000 $95,000 -82.6% 0.0%
Pathways Financial Credit Union, Inc. $540,000 $95,000 -82.4% 0.0%
DEPARTMENT OF THE INTERIOR FEDERAL CREDIT UNION $75,000 n/a 0.0%
21ST MORTGAGE CORPORATION $125,000 $70,000 -44.0% 0.0%
VILLAGE CAPITAL MORTGAGE $2,140,000 $65,000 -97.0% 0.0%
Baxter Credit Union $255,000 $55,000 -78.4% 0.0%
BRIDGE $55,000 n/a 0.0%
LOANPAL, LLC $165,000 $55,000 -66.7% 0.0%
SOUTHWEST STAGE FUNDING, LLC $240,000 $55,000 -77.1% 0.0%
TRIAD FINANCIAL SERVICES, INC. $55,000 n/a 0.0%
DIGITAL Federal Credit Union $35,000 n/a 0.0%
First Financial Bank $830,000 $35,000 -95.8% 0.0%
Home Loan Investment Bank, F.S.B. $25,000 $25,000 0.0% 0.0%
Lakeview Community Capital, LLC $25,000 n/a 0.0%
First Federal Savings and Loan Association of Lakewood $495,000 $15,000 -97.0% 0.0%

Chillicothe's top lender by overall market share is THE VINTON COUNTY NATIONAL BANK, with 8.6% market share. In second place, with 6.7%, is The Huntington National Bank, having originated $16,175,000 in loans. In third place, with 6.7%, is Hometown Lenders, Inc., having originated $16,135,000 in loans. In fourth place, with 6.0%, is Kingston National Bank, having originated $14,510,000 in loans. In fifth place, with 5.9%, is QUICKEN LOANS, LLC, having originated $14,070,000 in loans.


Chillicothe Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Chillicothe (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $143,425 (19.6%) $172,596 (10.0%) 0.00 231
2018-02-01 $142,450 (19.8%) $170,120 (10.3%) 0.00 234
2018-03-01 $148,000 (25.1%) $172,222 (11.6%) 0.00 239
2018-04-01 $145,725 (17.1%) $174,154 (8.4%) 0.00 247
2018-05-01 $144,825 (10.6%) $167,743 (0.8%) 0.00 250
2018-06-01 $139,950 (3.5%) $167,943 (-0.6%) 0.00 244
2018-07-01 $144,975 (7.8%) $177,007 (7.5%) 0.00 241
2018-08-01 $141,425 (4.8%) $175,088 (4.9%) 0.00 229
2018-09-01 $139,450 (3.3%) $178,631 (6.8%) 0.00 239
2018-10-01 $134,900 (-3.3%) $169,786 (-2.4%) 0.00 246
2018-11-01 $128,697 (-7.8%) $167,037 (-3.6%) 0.00 255
2018-12-01 $129,450 (-7.0%) $169,385 (-1.8%) 0.00 232
2019-01-01 $134,673 (-6.1%) $183,488 (6.3%) 0.00 233
2019-02-01 $132,050 (-7.3%) $180,628 (6.2%) 0.00 213
2019-03-01 $137,000 (-7.4%) $187,749 (9.0%) 0.00 179
2019-04-01 $139,500 (-4.3%) $183,149 (5.2%) 0.00 188
2019-05-01 $144,992 (0.1%) $183,920 (9.6%) 0.00 187
2019-06-01 $149,900 (7.1%) $187,297 (11.5%) 0.00 181
2019-07-01 $149,900 (3.4%) $185,401 (4.7%) 0.00 168
2019-08-01 $149,900 (6.0%) $186,834 (6.7%) 0.00 164
2019-09-01 $149,900 (7.5%) $193,340 (8.2%) 0.00 163
2019-10-01 $154,450 (14.5%) $190,695 (12.3%) 0.00 185
2019-11-01 $151,000 (17.3%) $190,611 (14.1%) 0.00 174
2019-12-01 $148,950 (15.1%) $171,869 (1.5%) 0.00 150
2020-01-01 $149,900 (11.3%) $171,695 (-6.4%) 0.00 135
2020-02-01 $149,900 (13.5%) $188,291 (4.2%) 0.00 130
2020-03-01 $161,975 (18.2%) $197,794 (5.4%) 0.00 113
2020-04-01 $181,475 (30.1%) $213,511 (16.6%) 0.00 125
2020-05-01 $189,900 (31.0%) $222,353 (20.9%) 0.00 116
2020-06-01 $186,975 (24.7%) $234,881 (25.4%) 0.00 91
2020-07-01 $193,225 (28.9%) $234,148 (26.3%) 0.00 80
2020-08-01 $175,000 (16.7%) $230,869 (23.6%) 0.00 82
2020-09-01 $179,925 (20.0%) $230,184 (19.1%) 0.00 73
2020-10-01 $169,900 (10.0%) $220,240 (15.5%) 0.00 97
2020-11-01 $169,900 (12.5%) $217,425 (14.1%) 0.00 110
2020-12-01 $169,250 (13.6%) $219,277 (27.6%) 0.00 96
2021-01-01 $169,450 (13.0%) $241,524 (40.7%) 0.00 82
2021-02-01 $169,450 (13.0%) $268,336 (42.5%) 0.00 66
2021-03-01 $164,475 (1.5%) $267,881 (35.4%) 0.00 52
2021-04-01 $175,575 (-3.3%) $269,729 (26.3%) 0.00 52
2021-05-01 $179,900 (-5.3%) $268,615 (20.8%) 0.00 53
2021-06-01 $184,875 (-1.1%) $298,433 (27.1%) 0.00 57
2021-07-01 $171,950 (-11.0%) $273,451 (16.8%) 0.00 76
2021-08-01 $182,000 (4.0%) $277,784 (20.3%) 0.00 80
2021-09-01 $194,700 (8.2%) $284,144 (23.4%) 0.00 78
2021-10-01 $169,900 (0.0%) $261,221 (18.6%) 0.00 79
2021-11-01 $163,675 (-3.7%) $266,450 (22.6%) 0.00 71
2021-12-01 $170,975 (1.0%) $269,623 (23.0%) 0.00 65
2022-01-01 $170,000 (0.3%) $293,763 (21.6%) 0.00 46
2022-02-01 $154,825 (-8.6%) $313,225 (16.7%) 0.00 35
2022-03-01 $240,725 (46.4%) $333,816 (24.6%) 0.00 44
2022-04-01 $229,900 (30.9%) $318,714 (18.2%) 0.00 45
2022-05-01 $230,725 (28.3%) $298,889 (11.3%) 0.00 55
2022-06-01 $229,900 (24.4%) $328,364 (10.0%) 0.00 63
2022-07-01 $237,450 (38.1%) $327,800 (19.9%) 0.00 84
2022-08-01 $244,475 (34.3%) $343,290 (23.6%) 0.00 84
2022-09-01 $228,375 (17.3%) $325,180 (14.4%) 0.00 85
2022-10-01 $242,700 (42.9%) $339,930 (30.1%) 0.00 91
2022-11-01 $241,750 (47.7%) $331,588 (24.5%) 0.00 92
2022-12-01 $263,700 (54.2%) $336,586 (24.8%) 0.00 82
2023-01-01 $253,750 (49.3%) $298,299 (1.5%) 0.00 70
2023-02-01 $246,850 (59.4%) $307,088 (-2.0%) 0.00 60
2023-03-01 $302,500 (25.7%) $337,415 (1.1%) 0.00 61
2023-04-01 $314,450 (36.8%) $340,229 (6.8%) 0.00 58
Chillicothe's median listing price for 2023-04-01 was $314,450, a difference of $84,550 (36.8%) versus the prior year and $11,950 versus the prior month.

Chillicothe's median listing price comes in at 0% of the national average.

Chillicothe's average listing price for 2023-04-01 was $340,229, a difference of $21,515 (6.8%) versus the prior year and $2,814 versus the prior month.

For the 2023-04-01 period, Chillicothe had 58 MLS listings, a difference of -3 listings (-5%) versus the prior month and 13 listings (29%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Chillicothe (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,577 sqft
2018-02-01 0 days 1,564 sqft
2018-03-01 0 days 1,621 sqft
2018-04-01 0 days 1,616 sqft
2018-05-01 0 days 1,503 sqft
2018-06-01 0 days 1,500 sqft
2018-07-01 0 days 1,536 sqft
2018-08-01 0 days 1,551 sqft
2018-09-01 0 days 1,536 sqft
2018-10-01 0 days 1,481 sqft
2018-11-01 0 days 1,452 sqft
2018-12-01 0 days 1,448 sqft
2019-01-01 0 days 1,455 sqft
2019-02-01 0 days 1,441 sqft
2019-03-01 0 days 1,444 sqft
2019-04-01 0 days 1,443 sqft
2019-05-01 0 days 1,446 sqft
2019-06-01 0 days 1,480 sqft
2019-07-01 0 days 1,507 sqft
2019-08-01 0 days 1,568 sqft
2019-09-01 0 days 1,554 sqft
2019-10-01 0 days 1,568 sqft
2019-11-01 0 days 1,536 sqft
2019-12-01 0 days 1,436 sqft
2020-01-01 0 days 1,455 sqft
2020-02-01 0 days 1,476 sqft
2020-03-01 0 days 1,544 sqft
2020-04-01 0 days 1,675 sqft
2020-05-01 0 days 1,739 sqft
2020-06-01 0 days 1,756 sqft
2020-07-01 0 days 1,756 sqft
2020-08-01 0 days 1,602 sqft
2020-09-01 0 days 1,660 sqft
2020-10-01 0 days 1,544 sqft
2020-11-01 0 days 1,559 sqft
2020-12-01 0 days 1,544 sqft
2021-01-01 0 days 1,512 sqft
2021-02-01 0 days 1,642 sqft
2021-03-01 0 days 1,511 sqft
2021-04-01 0 days 1,639 sqft
2021-05-01 0 days 1,536 sqft
2021-06-01 0 days 1,552 sqft
2021-07-01 0 days 1,622 sqft
2021-08-01 0 days 1,576 sqft
2021-09-01 0 days 1,532 sqft
2021-10-01 0 days 1,552 sqft
2021-11-01 0 days 1,558 sqft
2021-12-01 0 days 1,476 sqft
2022-01-01 0 days 1,472 sqft
2022-02-01 0 days 1,613 sqft
2022-03-01 0 days 1,573 sqft
2022-04-01 0 days 1,551 sqft
2022-05-01 0 days 1,555 sqft
2022-06-01 0 days 1,705 sqft
2022-07-01 0 days 1,783 sqft
2022-08-01 0 days 1,622 sqft
2022-09-01 0 days 1,612 sqft
2022-10-01 0 days 1,755 sqft
2022-11-01 0 days 1,740 sqft
2022-12-01 0 days 1,716 sqft
2023-01-01 0 days 1,661 sqft
2023-02-01 0 days 1,566 sqft
2023-03-01 0 days 1,979 sqft
2023-04-01 0 days 1,876 sqft
Chillicothe's median listing age (time on market) for 2023-04-01 was 0 days.

Chillicothe's median square footage for active listings during the 2023-04-01 period was 1,876 sqft. One year prior, the average listing was 1,551 sqft.

Chillicothe, OH Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 835 $157,475,000 $188,593
Cash Out Refi 240 $37,550,000 $156,458
Refi 202 $28,480,000 $140,990
Other 111 $7,615,000 $68,604
Home Improvement 109 $8,965,000 $82,248

Chillicothe's most frequently cited loan purpose was Home Purchase, with 835 originations. The 2nd most popular reason was Cash Out Refi, with 240 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 358 $65,180,000 $182,067
4-5% 325 $55,755,000 $171,554
3-4% 271 $47,955,000 $176,956
6-7% 220 $32,530,000 $147,864
2.5-3% 87 $13,095,000 $150,517
7-8% 70 $9,880,000 $141,143
<2.5% 67 $6,295,000 $93,955
Over 8% 50 $3,050,000 $61,000

During 2022, Chillicothe's most frequently originated rate bucket was 5-6%, with 358 originations.

Loan Sizing (Chillicothe, OH MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 637 $93,525,000 $146,821
$100,000 or less 458 $28,160,000 $61,485
$200k-400k 359 $94,105,000 $262,131
$400k-600k 35 $15,905,000 $454,429
$600k-1000k 6 $4,360,000 $726,667
$Over $1MM 2 $4,030,000 $2,015,000

Chillicothe's loan sizing saw the bucket of loans from $100k-200k with 637 originations, totaling $93,525,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 641 $123,535,000 $192,722
60-80% 367 $67,125,000 $182,902
20-40% 155 $11,835,000 $76,355
40-60% 154 $20,970,000 $136,169
Under 20% 106 $4,920,000 $46,415
Over 100% 20 $4,390,000 $219,500

Chillicothe's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 641 originations, totaling $123,535,000 in origination value.