The Middlefield Banking Company mortgage approval rate & lending review
The Middlefield Banking Company decided 1,065 mortgage applications and funded 812 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Middlefield Banking Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Middlefield Banking Company at a glance
Approval is 1.6 points above the 76.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 80% | 291 / 362 | 97% | $185K | 283 |
| Home improvement loans | 76% | 230 / 302 | 98% | $65K | 225 |
| Refinance | 77% | 270 / 349 | 98% | $115K | 264 |
| Investment property purchase | 82% | 28 / 34 | 93% | $105K | 26 |
The Middlefield Banking Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 78% | $115K | 1,054 | 803 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The Middlefield Banking Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Trumbull County, OH | Refinance | 79% | 171 | 132 |
| Trumbull County, OH | Mortgage lenders | 76% | 169 | 124 |
| Trumbull County, OH | Home improvement loans | 73% | 122 | 84 |
| Portage County, OH | Refinance | 74% | 78 | 58 |
| Portage County, OH | Home improvement loans | 83% | 60 | 50 |
| Portage County, OH | Mortgage lenders | 92% | 50 | 44 |
| Delaware County, OH | Home improvement loans | 96% | 26 | 25 |
| Franklin County, OH | Refinance | 81% | 32 | 24 |
| Franklin County, OH | Home improvement loans | 72% | 32 | 23 |
| Lake County, OH | Mortgage lenders | 81% | 27 | 21 |
| Cuyahoga County, OH | Home improvement loans | 64% | 22 | 14 |
The county markets where The Middlefield Banking Company made the most loans. Each link opens that market with every lender ranked.
Questions about The Middlefield Banking Company
What is The Middlefield Banking Company's mortgage approval rate?
The Middlefield Banking Company approved 78.2% of the 1,065 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.6 points above the 76.6% national rate for the same mix of loan types.
How often do borrowers take the loan The Middlefield Banking Company offers?
Borrowers accepted 97% of the loans The Middlefield Banking Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The Middlefield Banking Company make?
The typical home purchase mortgage loan The Middlefield Banking Company made was $185K; across all loan types its typical loan ran from $65K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Middlefield Banking Company lend?
The Middlefield Banking Company decided applications in 5 of the states Fat Boy Data covers, most of them in Ohio, Florida and North Carolina.
Can I apply to The Middlefield Banking Company directly?
Yes. The Middlefield Banking Company reports as a direct lender that takes applications from borrowers.
Does this page show The Middlefield Banking Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The Middlefield Banking Company treats applications, then get a rate quote from the lender.