Applications / Mortgage Analytics / Lenders / Ohio / The Old Fort Banking Company
Old Fort, OH · State non-member bank · FDIC · $845 million assets · 187 loans in 2025
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187
loans originated, 2025
250
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Old Fort Banking Company, an Ohio purchase lender, grew by 11% in 2025, in step with similar banks, after four years of shrinking from a peak in 2020.
It made 187 loans, up from 168, while similar banks, meaning state non-member banks making between half and twice as many loans, grew by 10%. Purchases made up 74.9% of its lending. The rise follows a long fall: it made 820 loans in 2020, 361 in 2022 and 242 in 2023.
It denied 3.6% of decided applications for first-lien home-purchase loans on owner-occupied homes, against 6.5% at similar banks, lower than about seven in ten of them. The comparison rests on 106 similar banks with enough applications to give a rate.
In Sandusky, where it has lent since 1997, it ranked 31 of 230 lenders, and its share of the market's lending rose to 0.7% from 0.3%. Civista Bank leads there. In Dayton, its largest market, it ranked 40 of 443 with a steady 0.5%; Wright-Patt Credit Union leads.
Loans in poorer neighborhoods (low- and moderate-income, or LMI, tracts) made up 19.5% of its lending, up from 7.6% five years before and now close to the 17.7% at similar banks. Its typical loan, $205,000, was larger than the $175,000 at its peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Old Fort Banking Company took 250 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.9% · Refinance 21.4% · Other 2.1% · Home improvement 1.6%
Conventional 100.0% · of 187 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 | 183 | 97.9% |
| Tennessee | 2 | 1.1% |
| Arizona | 1 | 0.5% |
| Illinois | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dayton-Kettering-Beavercreek | 85 |
| Cincinnati | 11 |
| Sandusky | 9 |
| Toledo | 6 |
| Columbus | 4 |
| Cleveland | 3 |
| Akron | 1 |
| Chicago-Naperville-Schaumburg | 1 |
| Knoxville | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300AWVW2ZYIVA5297 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 564324 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310255 | 1997–2017 |
Established 16 January 1916. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: The Old Fort Banking Company's data.
The Old Fort Banking Company's data
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The Old Fort 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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