The Financial Steps
that change lives and make dreams come true…

It’s the great American dream to own property, own a home and live free. How grateful we all are to be a part of that dream.

As a Community Bank doing business in Geauga, Portage, Ashtabula, Trumbull, and Lake Counties, The Middlefield Banking Company is keenly aware of our responsibility. It has been our great privilege to provide financing for home ownership for over 100 years. While the products change dramatically, the basic principles remain the same. We do whatever it takes to get a prospective homeowner financed.

• Construction Loans
  Construction to Permanent
  Construction periods of up to 12 months
• Lot Loans
  For the purchase of vacant land, including large parcels
• Residential Loans
• Farm Financing
• Non-Conventional Properties

Competitive, Flexible and Convenient
with local decision-making and the ability to be flexible

The Middlefield Banking Company offers both Fixed Rate and Adjustable Rate loans with competitive rates and fees. We also offer interest rate locks up to 60 days. We encourage aggressive comparison of our Annual Percentage Rates against those of our competitors, including mortgage companies. Our lean closing costs and fees combined with competitive interest rates means better loan value for our customers.

Our payment options are generous to the consumer, in some instances giving them the flexibility of paying monthly, bi-weekly or weekly. Special rates are available to those buyers who choose an automatic withdrawal payment option from a Middlefield Banking Company deposit account.

Payments can also be made by way of our online bill pay. So no matter where the homeowner is, payments can be made easily and on-time. Because we are the local service provider, payments can also be made at any of our seven convenient locations, each with convenient extended hours to serve our customers.

A major advantage of dealing with The Middlefield Banking Company is our local decision-making and our ability to be flexible. Initiating our simple application process consists of a loan application and two years verification of your income. Sound banking decisions are made by remembering where we came from – generations of honest people banking on the American dream.