Applications / Mortgage Analytics / Lenders / Ohio / The Commercial and Savings Bank of Millersburg, Ohio
Millersburg, OH · State member bank · FRS · $1.3 billion assets · 212 loans in 2025
The Commercial and Savings Bank of Millersburg, Ohio's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
212
loans originated, 2025
240
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Commercial and Savings Bank of Millersburg, Ohio is a rural Ohio purchase lender whose lending stood still in 2025 while similar banks grew.
It made 212 loans in 2025, against 211 the year before. Similar lenders (state member banks making between half and twice as many loans) grew 8%, and the whole market 10%; its growth was lower than about seven in ten of them. The bank made 696 loans in 2020 and has made far fewer in each year since.
Purchases made up 76.9% of its loans and refinances 15.1%. Every loan was conventional. Its typical loan was $205,000, a little above the $185,000 of similar lenders. It turned down 3.1% of first-lien purchase applications, against 7.3% at similar lenders.
Non-metro Ohio is its largest market, where it ranks 42 of 592 lenders. In Canton-Massillon it ranks 47 of 297, and its share slipped from 0.5% to 0.4% as The Huntington National Bank led. With its dollar lending little changed, the slip may simply reflect a market that grew around it.
Low- and moderate-income (LMI) borrowers took 29.0% of its loans, near the middle of similar lenders. But only 9.5% of its loans were in LMI neighborhoods, against 16.2%, lower than about five in six peers. One possible reason is its rural focus: counties outside metro areas may hold fewer such neighborhoods.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Commercial and Savings Bank of Millersburg, Ohio took 240 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.9% · Refinance 15.1% · Home improvement 4.2% · Other 3.8%
Conventional 100.0% · of 212 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 | 210 | 99.1% |
| Florida | 1 | 0.5% |
| Georgia | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Canton-Massillon | 23 |
| Akron | 14 |
| Cleveland | 11 |
| Columbus | 6 |
| Youngstown-Warren | 2 |
| North Port-Bradenton-Sarasota | 1 |
| Sandusky | 1 |
| Savannah | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900VHR12KN8C3F913 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 189129 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2189129 | 2009–2017 |
Established 1 January 1879. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: The Commercial and Savings Bank of Millersburg, Ohio's data.
The Commercial and Savings Bank of Millersburg, Ohio's data
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The Commercial and Savings Bank of Millersburg, Ohio 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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