Applications / Mortgage Analytics / Lenders / Ohio / The Richwood Banking Company
Richwood, OH · State member bank · FRS · $1.2 billion assets · 130 loans in 2025
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130
loans originated, 2025
211
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Richwood Banking Company, an Ohio state member bank, grew its lending by 34% in 2025, faster than most similar lenders, after a long fall from its 2020 peak.
It made 130 loans, up from 97. Similar lenders, state member banks making between half and twice as many loans, grew 8%, and the whole market 10%. Its growth was higher than at more than four in five of those peers. Its typical loan rose to $205,000 from $145,000, against $175,000 at its peers.
The bank made 539 loans in 2020, when its typical rate was 3.12%, and only 94 in 2023. Its typical rate in 2025 was 6.99%. The rise in rates may explain much of the fall, since cheaper money in 2020 made refinancing worthwhile for many more borrowers.
Its share of Lima, Ohio fell from 1.4% to 0.7%, ranking it 28 of 154. Superior Credit Union leads there. The bank entered Lima only in 2020, and its share there may rest on a handful of loans, so one year can swing it.
Low- and moderate-income neighborhoods took 20.0% of its loans, higher than at about three in five similar lenders, whose typical share was 16.5%. Low- and moderate-income borrowers took 31.2%, against 27.2%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Richwood Banking Company took 211 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.2% · Refinance 33.1% · Other 6.9% · Home improvement 3.8%
Conventional 100.0% · of 130 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 | 124 | 95.4% |
| Michigan | 3 | 2.3% |
| Florida | 2 | 1.5% |
| Tennessee | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 74 |
| Springfield | 12 |
| Lima | 3 |
| Sandusky | 2 |
| Cape Coral-Fort Myers | 1 |
| Cincinnati | 1 |
| Knoxville | 1 |
| Ocala | 1 |
| Warren-Troy-Farmington Hills | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300F263I3XPN55P35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 150727 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2150727 | 1990–2017 |
Established 1 July 1867. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Richwood Banking Company's data.
The Richwood Banking Company's data
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The Richwood 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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