The First Citizens National Bank of Upper Sandusky in Ohio vs the state
15.3%Denial rate-2.40 pts vs state
15.9%Decision denial rate-6.04 pts vs state
76.5%Origination rate+16.57 pts vs state
—Median rate
—Rate spread (pts)
$90kMedian applicant income
65Loans originated
13Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 91 | 66 | 15.4% | — | #318 |
| 2024 | 68 | 47 | 14.7% | — | #363 |
| 2025 | 85 | 65 | 15.3% | — | #348 |
What The First Citizens National Bank of Upper Sandusky lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most The First Citizens National Bank of Upper Sandusky applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wyandot County | 29 | 24 | 3 | 10.3% |
| Marion County | 22 | 16 | 6 | 27.3% |
| Delaware County | 11 | 7 | 1 | 9.1% |
| Hancock County | 5 | 5 | 0 | 0.0% |
| Ottawa County | 4 | 1 | 1 | 25.0% |
| Hardin County | 4 | 3 | 1 | 25.0% |
| Morrow County | 3 | 3 | 0 | 0.0% |
| Crawford County | 2 | 1 | 1 | 50.0% |
| Seneca County | 2 | 2 | 0 | 0.0% |
| Knox County | 2 | 2 | 0 | 0.0% |
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: 85 applications in 2025, of which 65 were originated and 13 denied.
15.3% of all applications, or 15.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The First Citizens National Bank of Upper Sandusky'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