Applications / Mortgage Analytics / Lenders / Ohio / The First National Bank of McConnelsville
McConnelsville, OH · National bank · OCC · $203 million assets · 56 loans in 2025
The First National Bank of McConnelsville's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
56
loans originated, 2025
66
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of McConnelsville is a rural Ohio bank whose lending leans heavily toward manufactured homes and poorer neighborhoods.
Manufactured homes made up 19.6% of its loans in 2025, against 1.0% at the typical similar lender, meaning national banks making between half and twice as many loans. Only about one in twenty peers had a higher share. Its typical loan, $130,000, was smaller than about three in four peers' and well below their $185,000; cheaper homes of this kind may account for much of that.
Exactly half its loans went to low- and moderate-income (LMI) neighborhoods, against 16.7% for the typical peer, higher than more than nine in ten of them. The borrowers lean the same way: 38.6% had LMI incomes, against 23.2%. Both were high a year earlier too.
Its largest market is non-metro Ohio, where it ranked 126 of 592 lenders. It has reported there since 1997. Purchases made up 55.4% of its loans and refinances 30.4%.
It made 56 loans, up 8% on 2024, faster than the 2% of similar lenders but slower than the whole market's 10%. The longer record runs the other way. It made 154 loans in 2020 and 103 in 2018, so this year's total is about half its 2018 level.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 First National Bank of McConnelsville took 66 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.4% · Refinance 30.4% · Other 12.5% · Home improvement 1.8%
Conventional 100.0% · of 56 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 | 55 | 98.2% |
| Florida | 1 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 6 |
| Akron | 1 |
| St. Petersburg-Clearwater-Largo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900JH5HOQQ4CDPC30 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 44929 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 146 | 1997–2017 |
Established 1 July 1863. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: The First National Bank of McConnelsville's data.
The First National Bank of McConnelsville's data
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The First National Bank of McConnelsville 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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