Get & compare mortgage quotes anonymously Start in My Home
CNBB

The Citizens National Bank of Bluffton

BankBluffton, OHHQDirectReviews near you on Google

The Citizens National Bank of Bluffton has 142 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Exceptional
5/5
Multi-Region · 1 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

Explore another lender or local market

Report Card

The Citizens National Bank of Bluffton performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+27.1 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume123
Mix86.6%
Spread
+0.279%Above
Fees
$672Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume126
Mix88.7%
Spread
+0.247%Above
Fees
$734Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Pull Through
Acceptable
Volume16
Mix11.3%
Spread
+0.448%Above
Fees
$413Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
142
Applications
199
Volume
$28 million
Pricing & Closing
Avg Rate Spread
+0.271%
vs. market APOR
Avg Net Fees
$696
Origination − Credits
Pullthrough Rate
71.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$201,127
Avg Borrower Income
$115,704
Avg Property Value
$290,845

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

6
6 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest3
INMIOH
South3
FLSCTN

Top Metro Areas by Place Specialization Score

Volume 72Mix 50.70% of portfolio
85/100
Exceptional

Top States by Place Specialization Score

Ohio
Ohio
1
OhioState
Volume 135Mix 95.07% of portfolio
70/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of The Citizens National Bank of Bluffton?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.