The Citizens National Bank of Bluffton in Ohio vs the state
8.9%Denial rate-8.82 pts vs state
10.3%Decision denial rate-11.57 pts vs state
75.2%Origination rate+15.33 pts vs state
6.88%Median rate0.00 pts vs state
0.21Rate spread (pts)-0.18 pts vs state
$93kMedian applicant income
246Loans originated
29Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 300 | 243 | 8.0% | 7.13% | #161 |
| 2024 | 285 | 217 | 6.3% | 7.13% | #175 |
| 2025 | 327 | 246 | 8.9% | 6.88% | #183 |
What The Citizens National Bank of Bluffton lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most The Citizens National Bank of Bluffton applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allen County | 122 | 87 | 12 | 9.8% |
| Van Wert County | 42 | 33 | 6 | 14.3% |
| Hancock County | 23 | 15 | 2 | 8.7% |
| Clark County | 19 | 17 | 1 | 5.3% |
| Defiance County | 18 | 13 | 2 | 11.1% |
| Mercer County | 15 | 9 | 2 | 13.3% |
| Auglaize County | 12 | 9 | 0 | 0.0% |
| Lucas County | 10 | 9 | 0 | 0.0% |
| Paulding County | 8 | 7 | 0 | 0.0% |
| Putnam County | 7 | 4 | 1 | 14.3% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 327 applications in 2025, of which 246 were originated and 29 denied.
8.9% of all applications, or 10.3% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans The Citizens National Bank of Bluffton originated in Ohio in 2025 was 6.88%, against a statewide median of 6.88%.
About this data. Figures are The Citizens National Bank of Bluffton's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology