Lenders › The Genoa Banking Company › Ohio
The Genoa Banking Company in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Ohio, The Genoa Banking Company reported 444 applications and 355 originations for 2024, $77m in all.
Its denial rate in the state was 6.4%, below the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 6.6%.
The median rate spread on its Ohio originations was 0.3 percentage points (state median 0.5).
Applications in the state were up 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | The Genoa Banking Company, all states | United States |
|---|---|---|---|---|
| Denial rate | 6.4% | 23.5% | 6.6% | 24.3% |
| Median rate spread, pp | 0.3 | 0.5 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 16.9% | 17.7% | 16.6% | 15.6% |
| Average originated loan | $216k | $218k | $224k | $329k |
| Home purchase share | 78.6% | 51.7% | 78.4% | 57.0% |
| FHA-insured share | 0.0% | 12.3% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 5.9% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 79% (279)Home improvement 5% (17)Refinancing 10% (35)Cash-out refinancing 3% (11)Other purpose 4% (13)
By type
Conventional 100% (355)
Denial reasons as coded
Share of 25 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Lucas County | 169 | 133 | $23m | 6.1% |
| Ottawa County | 128 | 100 | $27m | 9.0% |
| Wood County | 80 | 69 | $16m | 4.1% |
| Sandusky County | 33 | 26 | $4.5m | 6.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did The Genoa Banking Company originate in Ohio in 2024?
355 loans totalling $77m, from 444 applications reported for properties in Ohio.
What is The Genoa Banking Company's denial rate in Ohio?
6.4% of decided applications in Ohio were denied, against 23.5% for all lenders in the state and 6.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Ohio counties does The Genoa Banking Company lend in most?
By originations: Lucas County (133), Ottawa County (100), Wood County (69), Sandusky County (26).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.