The Citizens National Bank of Bluffton: 2025 mortgage rates, costs & approvals
How The Citizens National Bank of Bluffton priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: The Citizens National Bank of Bluffton · LEI 549300HNMUG8WS7JLL28
In 2025, The Citizens National Bank of Bluffton originated 159 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 5 states — 1431st by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 5 basis points above the national median. Median conventional loan costs were $2,940, 47% lower than the national median ($5,570).
It denied 10.1% of completed home-purchase applications (all lenders: 8.5%).
How The Citizens National Bank of Bluffton priced home-purchase loans
| Purchase loans, 2025 | The Citizens National Bank of Bluffton | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.18 pts | +0.13 pts |
| Total loan costs · conventional | $2,940 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $440 | $1,860 |
| Borrowers paying discount points | 12.9% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 19.4% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where The Citizens National Bank of Bluffton lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Ohio | 153 | 172 | 10.6% | 6.750% | $2,940 |
| Indiana | 3 | 3 | — | — | — |
| Georgia | 1 | 1 | — | — | — |
| Kentucky | 1 | 1 | — | — | — |
| South Carolina | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open The Citizens National Bank of Bluffton's page for that state.
Counties where The Citizens National Bank of Bluffton is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Allen County, OH | 4 | 73 | 6.0% |
| Van Wert County, OH | 3 | 20 | 5.7% |
| Defiance County, OH | 8 | 10 | 2.2% |
| Mercer County, OH | 13 | 4 | 1.7% |
| Paulding County, OH | 14 | 4 | 1.6% |
| Auglaize County, OH | 17 | 8 | 1.5% |
| Hancock County, OH | 19 | 9 | 0.9% |
| Hardin County, OH | 23 | 3 | 0.9% |
| Putnam County, OH | 19 | 3 | 0.7% |
Check The Citizens National Bank of Bluffton yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300HNMUG8WS7JLL28.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from The Citizens National Bank of Bluffton with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology