Important Announcement

SCAM ALERT – If you are contacted by anyone who asks for personal information like account numbers, your address, PIN, date of birth or social security number, DO NOT provide any information they request. Don't worry about being polite or whether they could really represent the bank. Simply hang up and give us a call at 1.800.542.5004.

Andrea Elliott
VP of Lending

Andrea Elliott

NMLS#: 493959
Home Office: Chillicothe
Phone: 740.774.3738
Fax: 740.772.4335

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About Me

Andrea Elliott has been part of the VCNB Financial Family for nearly thirty years. As a Vice President of Lending, Andrea is able to help customers with all types of mortgage loans. This includes Conventional, VA, FHS, New Construction and Vacant Land and Lot Loans as well as Refinance and Home Equity Lines of Credit. In her free time, Andrea enjoys doing volunteer work in the community, going on walks, car races and spending time with her family.

Get Prequalified

Use our free online pre-qualification tool to help you find the right mortgage loan. It takes just minutes to find out how much you can afford to borrow as well. Pre-qualification letters are great to show sellers that you are a serious home buyer.

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Apply Online!

Ready to obtain financing for a home purchase or refinance? Use our easy online application anytime and from anywhere. Ready to talk? Call or email one of our mortgage specialists and they would be happy to assist you.

Mortgage Calculators

Should you refinance? Is it better to rent or buy? How much will I save by increasing my mortgage payment? Look for answers to these questions and more by using our financial calculators.

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Loan Options

At Vinton County National Bank, all of our mortgage loan options feature competitive terms and interest rates. Whether you’re buying your first home or refinancing an existing home, we can help you find the loan perfect for your needs.