The Middlefield Banking Company
The Middlefield Banking Company received 1,171 applications in 2025 and made 823 mortgages, in 40 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $135,000. Of 1,068 decisions, 221 were denials — 20.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493007SZD2OVPMXT217 |
|---|---|
| Applications received | 1,171 |
| Mortgages made | 823 |
| Denied | 221 |
| Approved, not taken up | 24 |
| Withdrawn or incomplete | 103 |
| Loans bought from other lenders | 14 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 240 | Not published | $225,000 | 15.9% |
| Refinancing | 260 | Not published | $135,000 | 20.1% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 321 | Not published | $75,000 | 24.1% |
Where The Middlefield Banking Company lends most
The 40 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Geauga County, OH | 235 | Not published | 21.7% |
| Trumbull County, OH | 133 | Not published | 23.0% |
| Ashtabula County, OH | 112 | Not published | 21.9% |
| Portage County, OH | 72 | Not published | 16.9% |
| Logan County, OH | 40 | Not published | 8.9% |
| Hardin County, OH | 37 | Not published | 15.6% |
| Delaware County, OH | 34 | Not published | 20.9% |
| Franklin County, OH | 30 | Not published | 24.4% |
| Allen County, OH | 24 | Not published | 16.7% |
| Cuyahoga County, OH | 24 | Not published | 27.3% |
| Lake County, OH | 20 | Not published | 12.5% |
| Union County, OH | 13 | Not published | 23.5% |
| Summit County, OH | 8 | Under 10 loans | 20.0% |
| Auglaize County, OH | 5 | Under 10 loans | 0.0% |
| Hancock County, OH | 5 | Under 10 loans | 0.0% |
| Richland County, OH | 5 | Under 10 loans | 0.0% |
| Medina County, OH | 4 | Under 10 loans | 0.0% |
| Ashland County, OH | 3 | Under 10 loans | 0.0% |
| Clark County, OH | 2 | Under 10 loans | 33.3% |
| Columbiana County, OH | 2 | Under 10 loans | 33.3% |
| Licking County, OH | 2 | Under 10 loans | 33.3% |
| Madison County, OH | 2 | Under 10 loans | 50.0% |
| Calhoun County, MI | 1 | Under 10 loans | 0.0% |
| Pamlico County, NC | 1 | Under 10 loans | 0.0% |
| Carroll County, OH | 1 | Under 10 loans | 0.0% |
| Defiance County, OH | 1 | Under 10 loans | 0.0% |
| Lorain County, OH | 1 | Under 10 loans | 0.0% |
| Mahoning County, OH | 1 | Under 10 loans | 0.0% |
| Monroe County, OH | 1 | Under 10 loans | 0.0% |
| Morrow County, OH | 1 | Under 10 loans | 50.0% |
| Ottawa County, OH | 1 | Under 10 loans | 0.0% |
| Pickaway County, OH | 1 | Under 10 loans | 0.0% |
| Tuscarawas County, OH | 1 | Under 10 loans | 0.0% |
| Champaign County, OH | 0 | Under 10 loans | 100.0% |
| Fairfield County, OH | 0 | Under 10 loans | 100.0% |
| Hamilton County, OH | 0 | Under 10 loans | 100.0% |
| Highland County, OH | 0 | Under 10 loans | 100.0% |
| Lucas County, OH | 0 | Under 10 loans | 100.0% |
| Marion County, OH | 0 | Under 10 loans | 100.0% |
| Ross County, OH | 0 | Under 10 loans | Not published |
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When The Middlefield Banking Company’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.