Applications / Mortgage Analytics / Lenders / Ohio / The Genoa Banking Company
Genoa, OH · State member bank · FRS · $721 million assets · 349 loans in 2025
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349
loans originated, 2025
440
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Genoa Banking Company is a purchase lender long rooted in Toledo and Sandusky, and it lost share in both in 2025.
It ranks sixth of 230 lenders in Sandusky, but its share there fell to 3.5% from 5.6%. In Toledo, where it ranks 15 of 334, its share slipped to 1.8% from 2.1%. It has lent in both since 1990, when the public data begin. Its loans fell 6% while similar lenders, state member banks making between half and twice as many loans, grew 7% and the whole market 10%. It may have chosen to lend less, or rivals may have won business from it; the figures do not say which.
Home purchases made up 77.4% of its loans and refinances 15.8%. Nearly all were conventional. Its typical loan, $195,000, matched that of similar lenders.
It denied 3.7% of first-lien home-purchase applications on owner-occupied homes, against 6.7% at similar lenders, lower than about three in four of them.
It filed no report for 2020, between 615 loans in 2019 and 831 in 2021; that year is a gap in the record, not a year without lending. It made 349 loans in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. The Genoa Banking Company took 440 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.4% · Refinance 15.8% · Other 5.2% · Home improvement 1.7%
Conventional 99.7% · VA 0.3% · of 349 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 | 320 | 91.7% |
| Michigan | 17 | 4.9% |
| Florida | 8 | 2.3% |
| Arizona | 1 | 0.3% |
| Indiana | 1 | 0.3% |
| South Carolina | 1 | 0.3% |
| Virginia | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Toledo | 198 |
| Sandusky | 89 |
| Monroe | 10 |
| Columbus | 3 |
| Jackson | 3 |
| Fort Lauderdale-Pompano Beach-Sunrise | 2 |
| West Palm Beach-Boca Raton-Delray Beach | 2 |
| Arlington-Alexandria-Reston | 1 |
| Cape Coral-Fort Myers | 1 |
| Fort Wayne | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DRKI1J5D73X280 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 504311 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2504311 | 1990–2017 |
Established 9 September 1902. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Genoa Banking Company's data.
The Genoa Banking Company's data
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The Genoa Banking Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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