Applications / Mortgage Analytics / Lenders / Ohio / The Apple Creek Banking Company
Apple Creek, OH · State member bank · FRS · $260 million assets · 70 loans in 2025
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70
loans originated, 2025
94
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Apple Creek Banking Company is a small Ohio lender that mainly finances home purchases, and lends to low- and moderate-income borrowers more often than most similar banks.
Purchases made up 74.3% of its 70 loans in 2025 and refinances 24.3%. Every loan was conventional. Its typical loan rose to $150,000 from $115,000, still below the $175,000 at similar lenders (state member banks making between half and twice as many loans).
Low- and moderate-income (LMI) borrowers took 32.4% of its loans, against 26.6% at similar lenders, a higher share than at about three-quarters of them. LMI neighborhoods took 20.6%, a little above the 17.4% typical of its peers.
Its loans rose 8% from 65, close to the 9% at similar lenders and the 10% for the whole market. It made 157 loans in 2020. The fall since then may reflect fewer refinances, which are now only a quarter of its lending.
It has reported since 1997. Its largest market is non-metro Ohio, where it ranks 142 of 592 lenders and The Huntington National Bank leads. In Akron it ranks 145 of 401.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Apple Creek Banking Company took 94 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.3% · Refinance 24.3% · Other 1.4%
Conventional 100.0% · of 70 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 | 68 | 97.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Canton-Massillon | 9 |
| Akron | 8 |
| Cleveland | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900SJONZGRA3CJM44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 213912 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2213912 | 1997–2017 |
Established 1 February 1904. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: The Apple Creek Banking Company's data.
The Apple Creek Banking Company's data
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The Apple Creek Banking Company 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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