The Citizens National Bank of Bluffton mortgage approval rate & lending review
The Citizens National Bank of Bluffton decided 390 mortgage applications and funded 346 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Citizens National Bank of Bluffton reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Citizens National Bank of Bluffton at a glance
Approval is 7.4 points above the 84.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 198 / 219 | 100% | $175K | 198 |
| Investment property purchase | 100% | 94 / 94 | 90% | $125K | 85 |
The Citizens National Bank of Bluffton lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 92% | $175K | 372 | 330 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The Citizens National Bank of Bluffton lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Allen County, OH | Mortgage lenders | 90% | 195 | 176 |
| Allen County, OH | Investment property purchase | 100% | 29 | 27 |
| Allen County, OH | Refinance | 95% | 20 | 18 |
The county markets where The Citizens National Bank of Bluffton made the most loans. Each link opens that market with every lender ranked.
Questions about The Citizens National Bank of Bluffton
What is The Citizens National Bank of Bluffton's mortgage approval rate?
The Citizens National Bank of Bluffton approved 91.8% of the 390 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.4 points above the 84.4% national rate for the same mix of loan types.
How often do borrowers take the loan The Citizens National Bank of Bluffton offers?
Borrowers accepted 97% of the loans The Citizens National Bank of Bluffton approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The Citizens National Bank of Bluffton make?
The typical home purchase mortgage loan The Citizens National Bank of Bluffton made was $175K; across all loan types its typical loan ran from $125K to $175K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Citizens National Bank of Bluffton lend?
The Citizens National Bank of Bluffton decided applications in 12 of the states Fat Boy Data covers, most of them in Ohio, Florida and Georgia.
Can I apply to The Citizens National Bank of Bluffton directly?
Yes. The Citizens National Bank of Bluffton is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Citizens National Bank of Bluffton's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The Citizens National Bank of Bluffton treats applications, then get a rate quote from the lender.