The Citizens National Bank Of Bluffton
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
The Citizens National Bank Of Bluffton 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | The Citizens National Bank Of Bluffton 102 S. Main St. Bluffton, OH 45817 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,449 |
| Total Mortgage Loan Application Amount | $251,315,000 |
| Average Mortgage Loan Application Amount | $149,400 |
| Highest Mortgage Loan Application Amount | $2,215,000 |
| Average Applicant Income | $96,600 |
| Highest Applicant Income | $2,298,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with The Citizens National Bank Of Bluffton. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing The Citizens National Bank Of Bluffton's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down The Citizens National Bank Of Bluffton's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how The Citizens National Bank Of Bluffton serves its applicants.
Each category highlights the total number of mortgage applications processed by The Citizens National Bank Of Bluffton, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at The Citizens National Bank Of Bluffton's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Allen County Ohio | 491 | $ 77,995,000 | $ 158,000 | $ 97,000 |
| Mercer County Ohio | 159 | $ 25,465,000 | $ 160,000 | $ 97,000 |
| Hancock County Ohio | 117 | $ 25,235,000 | $ 215,000 | $ 116,000 |
| Van Wert County Ohio | 116 | $ 14,880,000 | $ 128,000 | $ 76,000 |
| Defiance County Ohio | 73 | $ 11,195,000 | $ 153,000 | $ 77,000 |
| Auglaize County Ohio | 57 | $ 8,615,000 | $ 151,000 | $ 91,000 |
| Putnam County Ohio | 45 | $ 6,785,000 | $ 150,000 | $ 83,000 |
| Lucas County Ohio | 43 | $ 5,695,000 | $ 132,000 | $ 124,000 |
| Hardin County Ohio | 29 | $ 4,265,000 | $ 147,000 | $ 96,000 |
| Franklin County Ohio | 26 | $ 9,410,000 | $ 361,000 | $ 174,000 |
| Paulding County Ohio | 20 | $ 2,860,000 | $ 143,000 | $ 90,000 |
| Henry County Ohio | 13 | $ 2,045,000 | $ 157,000 | $ 85,000 |
| Steuben County Indiana | 12 | $ 3,330,000 | $ 277,000 | $ 259,000 |
| Wood County Ohio | 12 | $ 1,880,000 | $ 156,000 | $ 94,000 |
| Darke County Ohio | 11 | $ 1,575,000 | $ 143,000 | $ 226,000 |
| Champaign County Ohio | 10 | $ 2,110,000 | $ 211,000 | $ 108,000 |
| Lee County Florida | 7 | $ 1,785,000 | $ 255,000 | $ 219,000 |
| Warren County Ohio | 7 | $ 1,555,000 | $ 222,000 | $ 190,000 |
| Monroe County Michigan | 6 | $ 940,000 | $ 156,000 | $ 130,000 |
| Hamilton County Ohio | 6 | $ 970,000 | $ 161,000 | $ 106,000 |
| Logan County Ohio | 6 | $ 1,210,000 | $ 201,000 | $ 127,000 |
| Miami County Ohio | 6 | $ 960,000 | $ 160,000 | $ 82,000 |
| Union County Ohio | 6 | $ 1,170,000 | $ 195,000 | $ 172,000 |
| Clark County Ohio | 5 | $ 2,655,000 | $ 531,000 | $ 104,000 |
| Delaware County Ohio | 5 | $ 1,785,000 | $ 357,000 | $ 296,000 |
| Allen County Indiana | 4 | $ 630,000 | $ 157,000 | $ 82,000 |
| Hamilton County Indiana | 4 | $ 1,050,000 | $ 262,000 | $ 118,000 |
| Fulton County Ohio | 4 | $ 910,000 | $ 227,000 | $ 91,000 |
| Shelby County Ohio | 4 | $ 660,000 | $ 165,000 | $ 113,000 |
| Grant County Indiana | 3 | $ 215,000 | $ 71,000 | $ 0 |
| Madison County Ohio | 3 | $ 3,985,000 | $ 1,328,000 | $ 90,000 |
| Montgomery County Ohio | 3 | $ 705,000 | $ 235,000 | $ 143,000 |
| Ottawa County Ohio | 3 | $ 405,000 | $ 135,000 | $ 108,000 |
| Preble County Ohio | 3 | $ 485,000 | $ 161,000 | $ 125,000 |
| Wyandot County Ohio | 3 | $ 345,000 | $ 115,000 | $ 77,000 |
| Fayette County Kentucky | 2 | $ 470,000 | $ 235,000 | $ 121,000 |
| Middlesex County Massachusetts | 2 | $ 610,000 | $ 305,000 | $ 308,000 |
| Branch County Michigan | 2 | $ 270,000 | $ 135,000 | $ 50,000 |
| Catawba County North Carolina | 2 | $ 540,000 | $ 270,000 | $ 200,000 |
| Belmont County Ohio | 2 | $ 230,000 | $ 115,000 | $ 40,000 |
| Fairfield County Ohio | 2 | $ 560,000 | $ 280,000 | $ 186,000 |
| Highland County Ohio | 2 | $ 460,000 | $ 230,000 | $ 173,000 |
| Hocking County Ohio | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Seneca County Ohio | 2 | $ 190,000 | $ 95,000 | $ 150,000 |
| Sevier County Tennessee | 2 | $ 340,000 | $ 170,000 | $ 131,000 |
| Maricopa County Arizona | 1 | $ 465,000 | $ 465,000 | $ 176,000 |
| Riverside County California | 1 | $ 455,000 | $ 455,000 | $ 272,000 |
| Arapahoe County Colorado | 1 | $ 165,000 | $ 165,000 | $ 128,000 |
| Grand County Colorado | 1 | $ 275,000 | $ 275,000 | $ 80,000 |
| Bay County Florida | 1 | $ 235,000 | $ 235,000 | $ 142,000 |
| Highlands County Florida | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| Hillsborough County Florida | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Indian River County Florida | 1 | $ 135,000 | $ 135,000 | $ 92,000 |
| Okaloosa County Florida | 1 | $ 355,000 | $ 355,000 | $ 262,000 |
| Pinellas County Florida | 1 | $ 65,000 | $ 65,000 | $ 88,000 |
| Champaign County Illinois | 1 | $ 85,000 | $ 85,000 | $ 67,000 |
| DeKalb County Indiana | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
| Elkhart County Indiana | 1 | $ 105,000 | $ 105,000 | $ 54,000 |
| Hendricks County Indiana | 1 | $ 185,000 | $ 185,000 | $ 42,000 |
| Kosciusko County Indiana | 1 | $ 315,000 | $ 315,000 | $ 2,298,000 |
| LaGrange County Indiana | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Noble County Indiana | 1 | $ 95,000 | $ 95,000 | $ 94,000 |
| Vigo County Indiana | 1 | $ 275,000 | $ 275,000 | $ 194,000 |
| Jefferson County Kentucky | 1 | $ 215,000 | $ 215,000 | $ 140,000 |
| Clinton County Michigan | 1 | $ 365,000 | $ 365,000 | $ 520,000 |
| Grand Traverse County Michigan | 1 | $ 325,000 | $ 325,000 | $ 148,000 |
| Macomb County Michigan | 1 | $ 185,000 | $ 185,000 | $ 42,000 |
| St. Clair County Michigan | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Hunterdon County New Jersey | 1 | $ 435,000 | $ 435,000 | $ 159,000 |
| Butler County Ohio | 1 | $ 255,000 | $ 255,000 | $ 207,000 |
| Clermont County Ohio | 1 | $ 145,000 | $ 145,000 | $ 44,000 |
| Cuyahoga County Ohio | 1 | $ 285,000 | $ 285,000 | $ 190,000 |
| Licking County Ohio | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Morrow County Ohio | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Portage County Ohio | 1 | $ 1,165,000 | $ 1,165,000 | $ 0 |
| Stark County Ohio | 1 | $ 305,000 | $ 305,000 | $ 68,000 |
| Williams County Ohio | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 325,000 | $ 325,000 | $ 187,000 |
| Loudon County Tennessee | 1 | $ 335,000 | $ 335,000 | $ 162,000 |
| Loudoun County Virginia | 1 | $ 475,000 | $ 475,000 | $ 161,000 |
Mortgage Loan Application Detail Totals for The Citizens National Bank Of Bluffton in 2020
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 626 | $118,740,000 | $189,000 | $2,215,000 | $111,000 | $2,298,000 |
| Home Purchase | 503 | $80,605,000 | $160,000 | $1,505,000 | $89,000 | $1,476,000 |
| Cash-out Refinancing | 277 | $46,675,000 | $168,000 | $575,000 | $110,000 | $2,298,000 |
| Home Improvement | 27 | $3,935,000 | $145,000 | $425,000 | $88,000 | $225,000 |
| Other Purpose | 16 | $1,360,000 | $85,000 | $185,000 | $85,000 | $213,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,308 | $215,000,000 | $164,000 | $575,000 | $102,000 | $2,298,000 |
| Not applicable | 75 | $22,575,000 | $301,000 | $2,215,000 | $0 | $0 |
| Black or African American | 26 | $5,120,000 | $196,000 | $885,000 | $91,000 | $178,000 |
| Hispanic | 15 | $2,285,000 | $152,000 | $515,000 | $86,000 | $186,000 |
| Asian | 12 | $2,920,000 | $243,000 | $475,000 | $177,000 | $371,000 |
| Not Provided | 9 | $2,605,000 | $289,000 | $1,305,000 | $135,000 | $425,000 |
| American Indian or Alaskan Native | 4 | $810,000 | $202,000 | $225,000 | $91,000 | $119,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,421 | $247,425,000 | $174,000 | $2,215,000 | $104,000 | $2,298,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,375,000 | $125,000 | $175,000 | $68,000 | $113,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,615,000 | $179,000 | $335,000 | $69,000 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $900,000 | $112,000 | $145,000 | $46,000 | $59,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,142 | $201,170,000 | $176,000 | $2,215,000 | $109,000 | $2,298,000 |
| Application Withdrawn By Applicant | 136 | $23,620,000 | $173,000 | $575,000 | $101,000 | $936,000 |
| Preapproval Approved but not Accepted | 88 | $15,340,000 | $174,000 | $515,000 | $70,000 | $162,000 |
| Application Denied By Financial Institution | 77 | $10,355,000 | $134,000 | $385,000 | $66,000 | $213,000 |
| Application Approved But Not Accepted | 5 | $675,000 | $135,000 | $185,000 | $77,000 | $118,000 |
| File Closed For Incompleteness | 1 | $155,000 | $155,000 | $155,000 | $140,000 | $140,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,372 | $240,960,000 | $175,000 | $2,215,000 | $105,000 | $2,298,000 |
| Credit History | 69 | $9,595,000 | $139,000 | $385,000 | $67,000 | $213,000 |
| Debt-To-Income Ratio | 3 | $305,000 | $101,000 | $145,000 | $24,000 | $44,000 |
| Other | 3 | $335,000 | $111,000 | $135,000 | $87,000 | $113,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $26,000 | $26,000 |
| Collateral | 1 | $45,000 | $45,000 | $45,000 | $110,000 | $110,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Citizens National Bank Of Bluffton's 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess The Citizens National Bank Of Bluffton's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.