Applications / Mortgage Analytics / Lenders / Ohio / The Middlefield Banking Company
Middlefield, OH · State non-member bank · FDIC · $1.9 billion assets · 823 loans in 2025
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823
loans originated, 2025
1,171
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Middlefield Banking Company is an Ohio bank whose originations rose 15% in 2025, faster than most similar lenders, with a larger share of loans to low- and moderate-income borrowers than most of them.
Originations rose 15%, from 715 to 823, against 10% for similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. That is higher than about two-thirds of its peers.
All its loans were conventional, and home improvement made up 24.9% of them. Its typical loan was $135,000 against $195,000 at peers, lower than more than eight in ten. That mix of smaller loans is why its dollar total, $138.8 million, sits below the peer figure of $209.5 million despite more loans.
Loans to LMI (low- and moderate-income) borrowers were 37.0% of its lending, against 26.5% at peers, higher than more than eight in ten. Its share in LMI areas, 8.0%, is among the lowest tenth. The two measure different things: a borrower's income against the local area, and the income of the tract. The low area share could reflect how few LMI tracts lie in the counties it serves.
It has reported in Youngstown-Warren, OH and Cleveland, OH since before 1990, ranking 14 of 278 and 40 of 577, with shares unchanged at 1.4% and 0.6%. The Huntington National Bank leads both. It entered Battle Creek, MI in 2025.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Middlefield Banking Company took 1,171 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 31.8% · Purchase 29.2% · Home improvement 24.9% · Other 14.1%
Conventional 100.0% · of 823 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 | 821 | 99.8% |
| Michigan | 1 | 0.1% |
| North Carolina | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cleveland | 396 |
| Youngstown-Warren | 134 |
| Columbus | 83 |
| Akron | 80 |
| Lima | 24 |
| Mansfield | 5 |
| Springfield | 2 |
| Battle Creek | 1 |
| Canton-Massillon | 1 |
| Sandusky | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007SZD2OVPMXT217 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 177920 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313716 | 1990–2017 |
Established 15 March 1902. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Middlefield Banking Company's data.
The Middlefield Banking Company's data
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The Middlefield 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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