The Richwood Banking Company
The Richwood Banking Company received 211 applications in 2025 and made 130 mortgages, in 28 counties across 5 states. The median rate its borrowers got was 6.990% on a median loan of $205,000. Of 158 decisions, 19 were denials — 12.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300F263I3XPN55P35 |
|---|---|
| Applications received | 211 |
| Mortgages made | 130 |
| Denied | 19 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 53 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.439 points |
| FDIC-insured bank | Yes: The Richwood Banking Company, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 73 | 6.990% | $245,000 | 8.2% |
| Refinancing | 23 | 6.990% | $255,000 | 13.8% |
| Cash-out refinancing | 20 | 6.990% | $160,000 | 23.1% |
| Other purposes | 14 | 8.250% | $70,000 | 11.1% |
Where The Richwood Banking Company lends most
The 28 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Union County, OH | 37 | 7.250% | 7.5% |
| Logan County, OH | 18 | 6.990% | 20.0% |
| Delaware County, OH | 16 | 6.990% | 15.8% |
| Clark County, OH | 12 | 6.990% | 13.3% |
| Franklin County, OH | 9 | Under 10 loans | 16.7% |
| Madison County, OH | 6 | Under 10 loans | 0.0% |
| Marion County, OH | 5 | Under 10 loans | 14.3% |
| Allen County, OH | 3 | Under 10 loans | 0.0% |
| Champaign County, OH | 3 | Under 10 loans | 0.0% |
| Hardin County, OH | 3 | Under 10 loans | 25.0% |
| Morrow County, OH | 3 | Under 10 loans | 0.0% |
| Licking County, OH | 2 | Under 10 loans | 33.3% |
| Ottawa County, OH | 2 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 0.0% |
| Emmet County, MI | 1 | Under 10 loans | 0.0% |
| Macomb County, MI | 1 | Under 10 loans | 0.0% |
| Montmorency County, MI | 1 | Under 10 loans | 0.0% |
| Athens County, OH | 1 | Under 10 loans | 0.0% |
| Auglaize County, OH | 1 | Under 10 loans | 0.0% |
| Hocking County, OH | 1 | Under 10 loans | 0.0% |
| Knox County, OH | 1 | Under 10 loans | 0.0% |
| Warren County, OH | 1 | Under 10 loans | 0.0% |
| Campbell County, TN | 1 | Under 10 loans | 0.0% |
| Avery County, NC | 0 | Under 10 loans | 0.0% |
| Fairfield County, OH | 0 | Under 10 loans | 100.0% |
| Richland County, OH | 0 | Under 10 loans | 0.0% |
| Wyandot County, OH | 0 | Under 10 loans | Not published |
Get told when this changes
When The Richwood Banking Company’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.