Applications / Mortgage Analytics / Lenders / Ohio / The Citizens National Bank of Woodsfield
Woodsfield, OH · National bank · OCC · $155 million assets · 85 loans in 2025
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85
loans originated, 2025
97
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Citizens National Bank of Woodsfield, a small Ohio bank, more than doubled its lending in 2025, faster than almost every similar lender.
Its loans rose from 41 to 85, or 107%. Similar lenders (national banks making between half and twice as many loans) grew 6%, and the whole market 10%. The jump brings the bank back near its 2019 level of 101 loans. It filed no report for 2020 to 2022; those are gaps in the record, not years without lending. Half its loans were refinances (50.6%) and 35.3% were home purchases.
Its share of the Wheeling market rose from 0.3% to 1.1%, a gain of 0.8 points, and it ranked 17 of 145 lenders there. WesBanco Bank and Belmont Savings Bank lead that market. Its largest market lies outside metro areas in Ohio, where it ranked 132 of 592.
Its typical loan, $135,000, was smaller than at more than three-quarters of similar lenders, whose typical loan was $185,000. Some 43.0% of its loans went to low- and moderate-income borrowers, against 22.6% at similar lenders, a higher share than at about nine in ten of them. Every loan was conventional, and none was large enough to count as jumbo (above the conforming limit).
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. The Citizens National Bank of Woodsfield took 97 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 50.6% · Purchase 35.3% · Home improvement 7.1% · Other 5.9% · Not applicable 1.2%
Conventional 100.0% · of 85 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 | 85 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wheeling | 21 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549000UUHZDEKIZ2Z84 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 386825 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113847 | 2008–2017 |
Established 7 December 1933. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: The Citizens National Bank of Woodsfield's data.
The Citizens National Bank of Woodsfield's data
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The Citizens National Bank of Woodsfield 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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