The Middlefield Banking Company: 2025 mortgage rates, costs & approvals
How The Middlefield Banking Company priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: The Middlefield Banking Company · LEI 5493007SZD2OVPMXT217
In 2025, The Middlefield Banking Company originated 304 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 2 states — 966th by volume among the 2,017 lenders profiled here.
It denied 15.0% of completed home-purchase applications (all lenders: 8.5%).
How The Middlefield Banking Company priced home-purchase loans
| Purchase loans, 2025 | The Middlefield Banking Company | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why The Middlefield Banking Company denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where The Middlefield Banking Company lends
Counties where The Middlefield Banking Company is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Geauga County, OH | 2 | 97 | 8.0% |
| Hardin County, OH | 6 | 19 | 5.5% |
| Ashtabula County, OH | 8 | 44 | 3.9% |
| Trumbull County, OH | 10 | 55 | 2.3% |
| Logan County, OH | 18 | 9 | 1.4% |
| Portage County, OH | 23 | 20 | 1.1% |
Check The Middlefield Banking Company yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493007SZD2OVPMXT217.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from The Middlefield Banking Company with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology