# The Citizens National Bank of Bluffton

> **Canonical URL:** https://saferate.com/lenders/the-citizens-national-bank-of-bluffton


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


The Citizens National Bank of Bluffton is a bank, headquartered in Bluffton, OH, serving borrowers across 6 states, with 142 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 33% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300HNMUG8WS7JLL28
- **Headquarters:** Bluffton, OH
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** FL, IN, MI, OH, SC, TN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.271%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $696
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 142
- **Dollar Volume:** $29 million
- **Applications Received:** 199
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $201,127
- **Average Borrower Income:** $115,704
- **Average Property Value:** $290,845

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 123 | +0.279% | $672 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 107 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 58/100 | 126 | $25M | +0.247% | Sound ☺️ |
| Refinance | 25/100 | 16 | $3M | +0.448% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 135 | 0.10% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lima, OH | OH | 72 | 85/100 |
| Non |  | 60 | 52/100 |

## Where This Lender Ranks

The Citizens National Bank of Bluffton appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Lima, OH for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Lima, OH
  - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders)
- 🥈 **#2** in Lima, OH Banks
  - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders/banks)
- 🥈 **#2** in Lima, OH for Conventional Loans
  - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Lima, OH for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Lima, OH for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Lima, OH for VA Loans
  - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Lima, OH for FHA Loans
  - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does The Citizens National Bank of Bluffton offer?

The Citizens National Bank of Bluffton offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The Citizens National Bank of Bluffton offer mortgages?

The Citizens National Bank of Bluffton offers mortgages in 6 states: FL, IN, MI, OH, SC, TN.

### How competitive are The Citizens National Bank of Bluffton's mortgage rates?

The Citizens National Bank of Bluffton has a pricing score of 67/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.271% above market average.

### What type of lender is The Citizens National Bank of Bluffton?

The Citizens National Bank of Bluffton is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Bluffton, OH.

### What is The Citizens National Bank of Bluffton's loan approval success rate?

The Citizens National Bank of Bluffton has a pull-through score of 46/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/the-citizens-national-bank-of-bluffton

### How to Cite

> "The Citizens National Bank of Bluffton Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-citizens-national-bank-of-bluffton

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