The First Citizens National Bank of Upper Sandusky
The First Citizens National Bank of Upper Sandusky received 86 applications in 2025 and made 66 mortgages, in 12 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $205,000. Of 83 decisions, 13 were denials — 15.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900XDYZ6BODFLQ385 |
|---|---|
| Applications received | 86 |
| Mortgages made | 66 |
| Denied | 13 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The First Citizens National Bank of Upper Sandusky, 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 27 | Not published | $225,000 | 16.7% |
| Refinancing | 26 | Not published | $225,000 | 13.3% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 12 | Not published | $90,000 | 18.8% |
Where The First Citizens National Bank of Upper Sandusky lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wyandot County, OH | 24 | Not published | 10.7% |
| Marion County, OH | 16 | Not published | 27.3% |
| Delaware County, OH | 7 | Under 10 loans | 10.0% |
| Hancock County, OH | 5 | Under 10 loans | 0.0% |
| Hardin County, OH | 3 | Under 10 loans | 25.0% |
| Morrow County, OH | 3 | Under 10 loans | 0.0% |
| Knox County, OH | 2 | Under 10 loans | 0.0% |
| Seneca County, OH | 2 | Under 10 loans | 0.0% |
| Lenawee County, MI | 1 | Under 10 loans | 0.0% |
| Crawford County, OH | 1 | Under 10 loans | 50.0% |
| Ottawa County, OH | 1 | Under 10 loans | 33.3% |
| Union County, OH | 1 | Under 10 loans | 0.0% |
Get told when this changes
When The First Citizens National Bank of Upper Sandusky’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.