The Old Fort Banking at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
50th9.8% deniedProcesswithdrawn + incomplete share, weight 15%
75th6.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 297 | 242 | 7.4% | 7.9% | 6.50% | $51M |
| 2024 | 220 | 168 | 10.5% | 11.1% | — | $49M |
| 2025 | 250 | 187 | 9.2% | 9.8% | — | $52M |
What The Old Fort Banking 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, 1 manufactured homes, 39 investment properties.
Who gets approved at The Old Fort Banking
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 14 | 36.4% |
| $50k – $100k | 79 | 60 | 5.5% |
| $100k – $150k | 46 | 35 | 9.1% |
| $150k – $250k | 50 | 38 | 8.2% |
| Over $250k | 24 | 18 | 4.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 27 | 19 | 0.0% |
| 25–34 | 60 | 41 | 5.5% |
| 35–44 | 44 | 33 | 9.5% |
| 45–54 | 47 | 37 | 17.4% |
| 55–64 | 28 | 18 | 20.0% |
Where The Old Fort Banking lends
5 states and 31 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 243 | 183 | 9.1% | — | #213 |
Frequently asked questions
The Old Fort Banking denied 9.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 50th percentile of small mortgage lenders.
In 2025, 72% of its applications were for home purchases, 23% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 100% conventional, 0% 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.