Applications / Mortgage Analytics / Lenders / Ohio / Vinton County National Bank
McArthur, OH · National bank · OCC · $1.5 billion assets · 674 loans in 2025
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674
loans originated, 2025
927
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Vinton County National Bank is an Ohio national bank with far more manufactured-home lending than similar lenders and more of its loans in LMI (low- and moderate-income) areas; its originations rose 12% to 674 in 2025.
Manufactured homes were 11.7% of its loans, against 1.1% at similar lenders (national banks making between half and twice as many loans), higher than nearly all of them. Its typical loan, $145,000, was smaller than at more than four in five peers, against $205,000. All its loans were conventional, and purchases were 51.0%.
Its higher-priced share (a rate well above the average for similar loans) was 7.0%, against 1.8% at peers, down from 11.7% in 2024. Manufactured-home loans, 11.7% of its lending, are often priced this way, which could account for most of the difference. Its typical rate was 7.25%, against 6.67%.
LMI areas took 25.1% of its loans, against 15.6% at peers, higher than nearly all of them; LMI borrowers took 27.4%, against 25.8%. Majority-minority areas took 1.2%, against 8.0%; its lending is mostly in Ohio, across 24 counties, and that share depends on how many such areas its markets hold.
Originations rose 12%, against 7% at peers and 10% for the whole market. In Columbus, its largest market, it ranked 40 of 596, and its share rose 0.1 points to 0.6%; The Huntington National Bank led there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Vinton County National Bank took 927 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.0% · Home improvement 21.4% · Refinance 18.1% · Other 9.5%
Conventional 100.0% · of 674 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 | 673 | 99.9% |
| Florida | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 380 |
| Dayton-Kettering-Beavercreek | 1 |
| Gainesville | 1 |
| Huntington-Ashland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930087JNDLPJWOLV11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 754826 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 12036 | 2008–2017 |
Established 1 January 1867. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Vinton County National Bank's data.
Vinton County National Bank's data
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Vinton County National Bank 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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