The Richwood Banking in Ohio vs the state
9.4%Denial rate-8.33 pts vs state
12.6%Decision denial rate-9.31 pts vs state
61.1%Origination rate+1.18 pts vs state
6.99%Median rate+0.12 pts vs state
0.44Rate spread (pts)+0.06 pts vs state
$95kMedian applicant income
124Loans originated
19Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 175 | 91 | 16.6% | 7.49% | #239 |
| 2024 | 170 | 96 | 11.8% | 7.99% | #239 |
| 2025 | 203 | 124 | 9.4% | 6.99% | #233 |
What The Richwood Banking lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most The Richwood Banking applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Union County | 56 | 37 | 3 | 5.4% |
| Logan County | 32 | 18 | 5 | 15.6% |
| Delaware County | 27 | 16 | 3 | 11.1% |
| Clark County | 21 | 12 | 2 | 9.5% |
| Marion County | 14 | 5 | 1 | 7.1% |
| Franklin County | 14 | 9 | 2 | 14.3% |
| Madison County | 7 | 6 | 0 | 0.0% |
| Morrow County | 5 | 3 | 0 | 0.0% |
| Champaign County | 4 | 3 | 0 | 0.0% |
| Allen County | 4 | 3 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 203 applications in 2025, of which 124 were originated and 19 denied.
9.4% of all applications, or 12.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans The Richwood Banking originated in Ohio in 2025 was 6.99%, against a statewide median of 6.88%.
About this data. Figures are The Richwood Banking's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology