The Middlefield Banking in Ohio vs the state
18.9%Denial rate+1.22 pts vs state
20.7%Decision denial rate-1.16 pts vs state
70.2%Origination rate+10.33 pts vs state
—Median rate
—Rate spread (pts)
$86kMedian applicant income
821Loans originated
221Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,004 | 682 | 19.6% | 7.50% | #70 |
| 2024 | 1,062 | 711 | 20.8% | 8.00% | #79 |
| 2025 | 1,169 | 821 | 18.9% | — | #76 |
What The Middlefield Banking lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most The Middlefield Banking applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Geauga County | 337 | 235 | 67 | 19.9% |
| Trumbull County | 207 | 133 | 42 | 20.3% |
| Ashtabula County | 158 | 112 | 32 | 20.3% |
| Portage County | 95 | 72 | 15 | 15.8% |
| Logan County | 50 | 40 | 4 | 8.0% |
| Franklin County | 47 | 30 | 10 | 21.3% |
| Hardin County | 46 | 37 | 7 | 15.2% |
| Delaware County | 43 | 34 | 9 | 20.9% |
| Cuyahoga County | 36 | 24 | 9 | 25.0% |
| Allen County | 32 | 24 | 5 | 15.6% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 1,169 applications in 2025, of which 821 were originated and 221 denied.
18.9% of all applications, or 20.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The Middlefield Banking's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology