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 score and performance metrics.

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 an overall pricing score of 67.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

The Citizens National Bank of Bluffton is a Bank headquartered in Bluffton, OH.

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The Citizens National Bank of Bluffton

Bank•Bluffton, OHHQ•Direct•Reviews 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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

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

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

123 loans · 0.28% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

126 loans · 0.25% above market

Sound

Top 60% of lenders

3/5

Refinance

16 loans · 0.45% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Strong	Strong	123	86.6%	+0.279%Above	$672Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Strong	126	88.7%	+0.247%Above	$734Fees
Refinance	Acceptable	Acceptable	—	Acceptable	16	11.3%	+0.448%Above	$413Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

6Full-year 2024 · HMDA

Loans originated

< 100100+None

Midwest3

INMIOH

South3

FLSCTN

Top Metro Areas by Place Specialization Score

Lima, OHMetro

Volume 72Mix 50.70% of portfolio

85/100

Exceptional

Top States by Place Specialization Score

OhioState

Volume 135Mix 95.07% of portfolio

70/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.

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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.