Lenders › The Middlefield Banking Company › Ohio
The Middlefield Banking Company in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
The Middlefield Banking Company's 2024 HMDA record for Ohio covers 1,062 applications, 711 of them originated, worth $129m.
Its denial rate in the state was 23.3%, close to the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 23.4%.
The median rate spread on its Ohio originations was -0.1 percentage points (state median 0.5).
Applications in the state were up 6% on 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | The Middlefield Banking Company, all states | United States |
|---|---|---|---|---|
| Denial rate | 23.3% | 23.5% | 23.4% | 24.3% |
| Median rate spread, pp | -0.1 | 0.5 | -0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.0% | 17.7% | 0.0% | 15.6% |
| Average originated loan | $181k | $218k | $185k | $329k |
| Home purchase share | 31.4% | 51.7% | 31.7% | 57.0% |
| FHA-insured share | 0.0% | 12.3% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 5.9% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 31% (223)Home improvement 21% (149)Refinancing 31% (218)Cash-out refinancing 0% (1)Other purpose 17% (120)
By type
Conventional 100% (711)
Denial reasons as coded
Share of 221 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Geauga County | 297 | 196 | $34m | 24.6% |
| Trumbull County | 206 | 132 | $18m | 25.8% |
| Ashtabula County | 163 | 120 | $16m | 18.7% |
| Portage County | 95 | 63 | $13m | 26.7% |
| Hardin County | 57 | 38 | $3.5m | 23.5% |
| Franklin County | 51 | 37 | $8.1m | 15.6% |
| Delaware County | 30 | 21 | $4.9m | 16.0% |
| Logan County | 29 | 21 | $3.4m | 15.4% |
| Lake County | 28 | 14 | $2.7m | 40.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did The Middlefield Banking Company originate in Ohio in 2024?
711 loans totalling $129m, from 1,062 applications reported for properties in Ohio.
What is The Middlefield Banking Company's denial rate in Ohio?
23.3% of decided applications in Ohio were denied, against 23.5% for all lenders in the state and 23.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Ohio counties does The Middlefield Banking Company lend in most?
By originations: Geauga County (196), Trumbull County (132), Ashtabula County (120), Portage County (63), Hardin County (38).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.