Applications / Mortgage Analytics / Lenders / Ohio / Consumers National Bank
Minerva, OH · National bank · OCC · $1.2 billion assets · 126 loans in 2025
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126
loans originated, 2025
147
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Consumers National Bank, of Minerva, Ohio, more than doubled its lending in dollars in 2025 and gained share in Akron and Youngstown-Warren.
Purchases made up 42.1% of its loans and refinances 27.0%, with other purposes at 15.9% and home improvement at 15.1%. Its typical loan, $105,000, was lower than the $185,000 at similar lenders (national banks making between half and twice as many loans), lower than more than nine in ten of them. The home-improvement and other-purpose loans may account for much of that.
Its loans rose 20% to 126, against 4% at similar lenders and 10% for the whole market, higher than about seven in ten. Its dollars rose to $53.3 million from $21.3 million, while its typical loan rose only to $105,000 from $95,000. That may point to a few large loans rather than a broad change in its lending.
Its share of Akron rose to 0.6% from 0.1%, ranking it 36 of 401, and of Youngstown-Warren to 0.8% from 0.0%, ranking 22 of 278. In Canton-Massillon, where it has lent since at least 1990, it holds 0.9% and ranks 28 of 297. The Huntington National Bank leads all three.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Consumers National Bank took 147 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.1% · Refinance 27.0% · Other 15.9% · Home improvement 15.1%
Conventional 100.0% · of 126 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 | 123 | 97.6% |
| West Virginia | 3 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Canton-Massillon | 62 |
| Akron | 18 |
| Weirton-Steubenville | 14 |
| Youngstown-Warren | 12 |
| Cleveland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300E0P87HTQVFQH08 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 477321 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115543 | 1990–2017 |
Established 1 September 1965. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Consumers National Bank's data.
Consumers National Bank's data
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Consumers 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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