The Croghan Colonial Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
47th10.3% deniedProcesswithdrawn + incomplete share, weight 15%
18th20.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 246 | 170 | 9.8% | 12.4% | 6.38% | $36M |
| 2024 | 219 | 154 | 8.2% | 10.2% | — | $36M |
| 2025 | 233 | 162 | 8.2% | 10.3% | — | $47M |
What The Croghan Colonial Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 10 manufactured homes, 66 investment properties.
Who gets approved at The Croghan Colonial Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 38 | 22 | 23.3% |
| $50k – $100k | 75 | 55 | 11.3% |
| $100k – $150k | 34 | 22 | 8.3% |
| $150k – $250k | 25 | 17 | 5.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 28 | 19 | 9.1% |
| 25–34 | 33 | 25 | 7.4% |
| 35–44 | 24 | 16 | 0.0% |
| 45–54 | 36 | 23 | 20.0% |
| 55–64 | 29 | 19 | 17.4% |
| 65–74 | 22 | 11 | 15.4% |
Where The Croghan Colonial Bank lends
7 states and 24 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 224 | 159 | 8.0% | — | #219 |
Frequently asked questions
The Croghan Colonial Bank denied 10.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 47th percentile of small mortgage lenders.
In 2025, 67% of its applications were for home purchases, 24% for refinancing (including cash-out), and 9% for home improvement or other purposes. By loan type: 99% conventional, 1% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.