Applications / Mortgage Analytics / Lenders / Ohio / Kingston National Bank
Kingston, OH · National bank · OCC · $579 million assets · 111 loans in 2025
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111
loans originated, 2025
143
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kingston National Bank, an Ohio purchase lender, makes nearly a third of its loans in low- and moderate-income neighborhoods, a higher share than about nine in ten similar banks.
Low- and moderate-income (LMI) neighborhoods took 32.4% of its loans in 2025, up from 22.6% and against 15.1% at similar banks (national banks making between half and twice as many loans). Its share of LMI borrowers, 27.0%, is a little above their 23.9%. Its ten Ohio counties may simply hold many neighborhoods classed as LMI.
Purchases made up 76.6% of its loans and refinances only 12.6%. Manufactured homes took 9.9%, against 1.6% at its peers, higher than at more than three in four. Its typical loan was $175,000, against $185,000.
It made 111 loans, down 3% from 115, while its peers grew by 6%. It made 237 in 2020 and 202 in 2022 before dropping to 121 in 2023. Those high years may owe something to a wave of refinancing; refinances are now only 12.6% of its loans.
Its largest markets are Columbus, where it holds 0.1% and ranks 171 of 596 lenders, and non-metro Ohio, where it ranks 117 of 592. The Huntington National Bank leads both.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kingston National Bank took 143 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.6% · Refinance 12.6% · Other 8.1% · Home improvement 2.7%
Conventional 100.0% · of 111 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 | 111 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 45 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900ICEZWRRYBRW481 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 966722 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 19536 | 1996–2017 |
Established 1 January 1909. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Kingston National Bank's data.
Kingston National Bank's data
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Kingston 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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