Applications / Mortgage Analytics / Lenders / Ohio / Minster Bank
Minster, OH · State member bank · FRS · $802 million assets · 196 loans in 2025
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196
loans originated, 2025
235
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Minster Bank is a home-purchase lender whose share in Lima rose from 0.6% to 1.6% in 2025, even as its total lending dipped.
Purchases made up 79.1% of its 196 loans and refinances 15.8%. All were conventional. Its typical loan of $210,000 was larger than at about two-thirds of similar lenders (state member banks making between half and twice as many loans).
It now ranks 16 of 154 lenders in Lima, behind Superior Credit Union and The Union Bank Company. Its largest market is non-metro Ohio, where it ranked 49 of 592. In Dayton-Kettering-Beavercreek its share held at 0.2%.
Originations fell 4% from 205, while similar lenders grew 8% and the whole market 10%. It made 462 loans in 2020 and 402 in 2021, then 189 in 2022, and has stayed near that level since.
None of its loans was higher-priced (a rate well above the average for similar loans), against 2.8% at similar lenders, and its typical rate of 6.50% was lower than at most of them. It turned down 5.7% of home-purchase applications, against 7.5% at similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Minster Bank took 235 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.1% · Refinance 15.8% · Home improvement 3.6% · Other 1.5%
Conventional 100.0% · of 196 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 | 192 | 98.0% |
| Tennessee | 2 | 1.0% |
| Michigan | 1 | 0.5% |
| Pennsylvania | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dayton-Kettering-Beavercreek | 34 |
| Cincinnati | 9 |
| Lima | 7 |
| Columbus | 5 |
| Springfield | 3 |
| Knoxville | 1 |
| Traverse City | 1 |
| York-Hanover | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GED4IYN84L8F67 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 604024 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2604024 | 1990–2017 |
Established 23 January 1914. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Minster Bank's data.
Minster Bank's data
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Minster 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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