Applications / Mortgage Analytics / Lenders / Ohio / Main Street Bank
Wooster, OH · State non-member bank · FDIC · $1.5 billion assets · 490 loans in 2025
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490
loans originated, 2025
643
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Main Street Bank, a Wooster lender whose loans nearly doubled in 2024, the year of its merger, held its ground in 2025 and won share in Wheeling and Youngstown-Warren.
It made 490 loans, down 2%, while similar lenders (state non-member banks making between half and twice as many loans) grew 9%. That puts its growth below about four in five of them. The comparison is with an unusual year: its loans jumped to 500 in 2024 from 263 in 2023. It merged with Main Street Bank in 2024, which may account for the jump.
The amount it lent rose to $129.2 million from $86.8 million, even as its loan count slipped. Its typical loan grew to $155,000, still lower than the $185,000 at peers. Home purchases made up 37.1% of its loans.
In Wheeling its share rose to 4.6%, up 1.0 points, ranking it 6 of 145 lenders; WesBanco Bank leads. In Youngstown-Warren, which it entered in 2018, its share rose to 1.8%. Non-metro Ohio remains its largest market, where it ranks 28 of 592.
Low- and moderate-income (LMI) neighborhoods took 5.3% of its loans, against 15.8% at similar lenders, among the lowest tenth. LMI borrowers took 28.9%, close to peers' 27.5%. Its largest market is non-metro Ohio, and the places it serves there may contain few such neighborhoods.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Main Street Bank took 643 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 37.1% · Refinance 25.7% · Other 24.7% · Home improvement 12.4%
Conventional 100.0% · of 490 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 | 404 | 82.4% |
| West Virginia | 80 | 16.3% |
| Florida | 4 | 0.8% |
| Pennsylvania | 2 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wheeling | 83 |
| Canton-Massillon | 57 |
| Youngstown-Warren | 54 |
| Weirton-Steubenville | 35 |
| Cleveland | 25 |
| Akron | 18 |
| Columbus | 3 |
| Pittsburgh | 2 |
| Cape Coral-Fort Myers | 1 |
| Mansfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WLYZ63QPFTDP84 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 985479 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44195 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 329847 | 2011–2017 |
Established 1 January 1899. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Main Street Bank's data.
Main Street Bank's data
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