The Genoa Banking Company mortgage approval rate & lending review
The Genoa Banking Company decided 707 mortgage applications and funded 642 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Genoa Banking Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Genoa Banking Company at a glance
Approval is 11.5 points above the 84.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 417 / 431 | 95% | $205K | 397 |
| Cash-out refinance | 93% | 40 / 43 | 82% | $105K | 33 |
| Refinance | 87% | 62 / 71 | 98% | $125K | 61 |
| Investment property purchase | 95% | 113 / 119 | 96% | $85K | 109 |
The Genoa Banking Company lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The Genoa Banking Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lucas County, OH | Mortgage lenders | 96% | 257 | 233 |
| Wood County, OH | Mortgage lenders | 98% | 137 | 131 |
| Lucas County, OH | Investment property purchase | 94% | 85 | 76 |
| Lucas County, OH | Refinance | 86% | 42 | 36 |
| Wood County, OH | Refinance | 92% | 24 | 21 |
| Lucas County, OH | Cash-out refinance | 96% | 24 | 18 |
The county markets where The Genoa Banking Company made the most loans. Each link opens that market with every lender ranked.
Questions about The Genoa Banking Company
What is The Genoa Banking Company's mortgage approval rate?
The Genoa Banking Company approved 95.5% of the 707 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.5 points above the 84.0% national rate for the same mix of loan types.
How often do borrowers take the loan The Genoa Banking Company offers?
Borrowers accepted 95% of the loans The Genoa Banking Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The Genoa Banking Company make?
The typical home purchase mortgage loan The Genoa Banking Company made was $205K; across all loan types its typical loan ran from $85K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Genoa Banking Company lend?
The Genoa Banking Company decided applications in 10 of the states Fat Boy Data covers, most of them in Ohio, Michigan and Florida.
Can I apply to The Genoa Banking Company directly?
Yes. The Genoa Banking Company is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Genoa Banking Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The Genoa Banking Company treats applications, then get a rate quote from the lender.