Minster Bank
Minster Bank received 235 applications in 2025 and made 196 mortgages, in 26 counties across 4 states. The median rate its borrowers got was 6.500% on a median loan of $210,000. Of 206 decisions, 10 were denials — 4.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300GED4IYN84L8F67 |
|---|---|
| Applications received | 235 |
| Mortgages made | 196 |
| Denied | 10 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 29 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.0955 points |
| FDIC-insured bank | Yes: Minster Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 155 | 6.500% | $205,000 | 4.3% |
| Refinancing | 25 | 6.750% | $275,000 | 3.9% |
| Cash-out refinancing | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Other purposes | 10 | 5.688% | $130,000 | 0.0% |
Where Minster Bank lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Auglaize County, OH | 67 | 6.250% | 4.3% |
| Shelby County, OH | 42 | 6.500% | 2.3% |
| Miami County, OH | 17 | 6.875% | 15.0% |
| Montgomery County, OH | 13 | 6.750% | 7.1% |
| Allen County, OH | 7 | Under 10 loans | 0.0% |
| Darke County, OH | 7 | Under 10 loans | 0.0% |
| Mercer County, OH | 6 | Under 10 loans | 25.0% |
| Warren County, OH | 6 | Under 10 loans | 0.0% |
| Logan County, OH | 5 | Under 10 loans | 0.0% |
| Greene County, OH | 4 | Under 10 loans | 0.0% |
| Clark County, OH | 3 | Under 10 loans | 0.0% |
| Van Wert County, OH | 3 | Under 10 loans | 0.0% |
| Fayette County, OH | 2 | Under 10 loans | 0.0% |
| Franklin County, OH | 2 | Under 10 loans | 0.0% |
| Union County, OH | 2 | Under 10 loans | 0.0% |
| Benzie County, MI | 1 | Under 10 loans | 0.0% |
| Butler County, OH | 1 | Under 10 loans | 0.0% |
| Clermont County, OH | 1 | Under 10 loans | 0.0% |
| Delaware County, OH | 1 | Under 10 loans | 0.0% |
| Hamilton County, OH | 1 | Under 10 loans | 0.0% |
| Hancock County, OH | 1 | Under 10 loans | 0.0% |
| Hardin County, OH | 1 | Under 10 loans | 0.0% |
| York County, PA | 1 | Under 10 loans | 0.0% |
| Campbell County, TN | 1 | Under 10 loans | 0.0% |
| Fentress County, TN | 1 | Under 10 loans | 0.0% |
| Champaign County, OH | 0 | Under 10 loans | Not published |
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When Minster Bank’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.