Applications / Mortgage Analytics / Lenders / Ohio / The Croghan Colonial Bank
Fremont, OH · State member bank · FRS · $1.3 billion assets · 162 loans in 2025
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162
loans originated, 2025
233
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Croghan Colonial Bank made a typical number of home loans for its size in 2025, but 41.2% went to low- and moderate-income (LMI) borrowers, a higher share than about nine in ten similar lenders.
Similar lenders are the 170 state member banks making between half and twice as many loans; their typical LMI borrower share was 27.7%. The Croghan Colonial Bank's rose from 23.8% five years before and 35.2% a year earlier. Its typical loan of $150,000 is smaller than their $180,000, consistent with modestly priced homes.
It made 162 loans in 2025 against 614 in 2020 and 264 in 2018. Its 5% growth was lower than the 8% for similar lenders and the whole market's 10%. The 2020 peak may have been a one-off; the gap to 2018 could reflect fewer home sales in its towns or tighter lending.
In Sandusky, OH, its share fell 1.2 points, from 2.7% to 1.5%, ranking it 15 of 230; Civista Bank leads with $64.9M. In a small market, a handful of loans or a larger lender pricing harder can move share this much.
Purchases were 71.0% of its loans, and it made no FHA loans (insured by the Federal Housing Administration) or VA loans (guaranteed by the Department of Veterans Affairs), as is typical of similar lenders. Loans in LMI areas rose to 19.9% from 9.9% five years before, higher than about three in five peers.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Croghan Colonial Bank took 233 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.0% · Refinance 22.2% · Other 3.7% · Home improvement 3.1%
Conventional 100.0% · of 162 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 160 | 98.8% |
| Florida | 1 | 0.6% |
| Indiana | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sandusky | 35 |
| Toledo | 28 |
| Cleveland | 13 |
| Akron | 2 |
| Canton-Massillon | 1 |
| Cincinnati | 1 |
| Columbus | 1 |
| Punta Gorda | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004F1BOBD3SG7P54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 362717 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2362717 | 2004–2017 |
Established 25 July 1888. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The Croghan Colonial Bank's data.
The Croghan Colonial Bank's data
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