The Citizens National Bank of Bluffton
The Citizens National Bank of Bluffton received 346 applications in 2025 and made 261 mortgages, in 48 counties across 8 states. The median rate its borrowers got was 6.875% on a median loan of $175,000. Of 297 decisions, 30 were denials — 10.1%, most often for credit history.
| Legal Entity Identifier | 549300HNMUG8WS7JLL28 |
|---|---|
| Applications received | 346 |
| Mortgages made | 261 |
| Denied | 30 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 49 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.233 points |
| FDIC-insured bank | Yes: The Citizens National Bank of Bluffton, 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 200 | 6.875% | $185,000 | 6.9% |
| Refinancing | 41 | 6.875% | $185,000 | 4.4% |
| Cash-out refinancing | 10 | 6.875% | $130,000 | 23.1% |
| Other purposes | 10 | 7.125% | $80,000 | 47.6% |
Where The Citizens National Bank of Bluffton lends most
The 48 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Allen County, OH | 87 | 6.625% | 11.9% |
| Van Wert County, OH | 33 | 7.000% | 15.4% |
| Clark County, OH | 17 | 7.250% | 5.6% |
| Hancock County, OH | 15 | 6.875% | 11.8% |
| Defiance County, OH | 13 | 6.750% | 12.5% |
| Auglaize County, OH | 9 | Under 10 loans | 0.0% |
| Lucas County, OH | 9 | Under 10 loans | 0.0% |
| Mercer County, OH | 9 | Under 10 loans | 18.2% |
| Paulding County, OH | 7 | Under 10 loans | 0.0% |
| Hardin County, OH | 5 | Under 10 loans | 16.7% |
| Logan County, OH | 4 | Under 10 loans | 0.0% |
| Montgomery County, OH | 4 | Under 10 loans | 0.0% |
| Putnam County, OH | 4 | Under 10 loans | 20.0% |
| Franklin County, OH | 3 | Under 10 loans | 0.0% |
| Henry County, OH | 3 | Under 10 loans | 20.0% |
| Wood County, OH | 3 | Under 10 loans | 0.0% |
| Steuben County, IN | 2 | Under 10 loans | 0.0% |
| Butler County, OH | 2 | Under 10 loans | 0.0% |
| Hocking County, OH | 2 | Under 10 loans | 0.0% |
| Shelby County, OH | 2 | Under 10 loans | 0.0% |
| Williams County, OH | 2 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Adams County, IN | 1 | Under 10 loans | 0.0% |
| Allen County, IN | 1 | Under 10 loans | 0.0% |
| Fulton County, IN | 1 | Under 10 loans | 0.0% |
| Madison County, KY | 1 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 1 | Under 10 loans | 0.0% |
| Branch County, MI | 1 | Under 10 loans | 0.0% |
| Hillsdale County, MI | 1 | Under 10 loans | 0.0% |
| St. Clair County, MI | 1 | Under 10 loans | 0.0% |
| Champaign County, OH | 1 | Under 10 loans | 50.0% |
| Clermont County, OH | 1 | Under 10 loans | 0.0% |
| Darke County, OH | 1 | Under 10 loans | 0.0% |
| Delaware County, OH | 1 | Under 10 loans | 0.0% |
| Fayette County, OH | 1 | Under 10 loans | 0.0% |
| Fulton County, OH | 1 | Under 10 loans | 0.0% |
| Greene County, OH | 1 | Under 10 loans | 0.0% |
| Hamilton County, OH | 1 | Under 10 loans | 0.0% |
| Madison County, OH | 1 | Under 10 loans | 0.0% |
| Marion County, OH | 1 | Under 10 loans | 0.0% |
| Medina County, OH | 1 | Under 10 loans | 0.0% |
| Ottawa County, OH | 1 | Under 10 loans | 0.0% |
| Richland County, OH | 1 | Under 10 loans | 0.0% |
| Lexington County, SC | 1 | Under 10 loans | 0.0% |
| Anderson County, TN | 1 | Under 10 loans | 0.0% |
| Sevier County, TN | 1 | Under 10 loans | 0.0% |
| Union County, TN | 1 | Under 10 loans | 0.0% |
| Washtenaw County, MI | 0 | Under 10 loans | 100.0% |
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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.