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The First Citizens National Bank of Upper Sandusky

Upper Sandusky, OH

The First Citizens National Bank of Upper Sandusky processed 74 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 48 loans with a 13.5% denial rate. Home Purchase was the primary loan purpose. Based in Upper Sandusky, OH. The approval rate of 64.9% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. The First Citizens National Bank of Upper Sandusky processed 74 HMDA-reported mortgage applications in 2024, originating 48 loans and denying 10 for a denial rate of 13.5% (applicants themselves withdrew 8 files before a decision). The average loan amount was $261,622. The lender reports under LEI 254900XDYZ6BODFLQ385 from Upper Sandusky, OH.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. The First Citizens National Bank of Upper Sandusky's 64.9% origination rate tells you how often an application turned into funded money; the 13.5% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (74 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

74
Applications
48
Originated
13.5%
Denial Rate
$261,622
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 74 48 10 $261,622

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for The First Citizens National Bank of Upper Sandusky (LEI: 254900XDYZ6BODFLQ385) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
5
Debt-to-income ratio
3
Other
2
Collateral
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 52 33 $321,923
Refinancing 10 7 $179,000
Home Improvement 8 5 $71,250
Other 4 3 $65,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 64 65.6% 12.5%
Asian 1 100.0% 0.0%
Joint 1 0.0% 100.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 66 65.2% 13.6%

Nearby Lenders in OH

Other HMDA-reporting lenders in OH with similar activity. Compare any two side-by-side.

US BANK, N.A.

CINCINNATI, OH

202,480 apps 74,512 originated 26.8% denied

CROSSCOUNTRY MORTGAGE, LLC

Cleveland, OH

157,258 apps 101,894 originated 2.4% denied

JPMorgan Chase Bank, NA

Columbus, OH

150,113 apps 80,744 originated 8.1% denied

Huntington National Bank

Columbus, OH

99,675 apps 52,025 originated 28.8% denied

Fifth Third Bank, National Association

Cincinnati, OH

64,220 apps 30,494 originated 23.9% denied
Compare The First Citizens National Bank of Upper Sandusky vs US BANK, N.A. →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did The First Citizens National Bank of Upper Sandusky process?
The First Citizens National Bank of Upper Sandusky processed 74 mortgage applications in the 2023 HMDA reporting year. Of these, 48 were originated (approved and funded), 8 were withdrawn by the applicant, and 10 were denied.
What is The First Citizens National Bank of Upper Sandusky's mortgage approval rate?
The First Citizens National Bank of Upper Sandusky has an approval (origination) rate of 64.9%, meaning 64.9% of all applications resulted in a funded mortgage. The denial rate is 13.5%.
What is the average loan amount at The First Citizens National Bank of Upper Sandusky?
The average mortgage loan amount at The First Citizens National Bank of Upper Sandusky is $261,622.
What are the most common reasons for mortgage denial at The First Citizens National Bank of Upper Sandusky?
The most common reasons for mortgage denial at The First Citizens National Bank of Upper Sandusky are: Credit history, Debt-to-income ratio, Other. In total, 10 applications were denied out of 74 total applications.
What types of mortgage loans does The First Citizens National Bank of Upper Sandusky offer?
The First Citizens National Bank of Upper Sandusky processes Conventional loans. The most common type is Conventional with 74 applications and an average loan amount of $261,622.
What loan purposes does The First Citizens National Bank of Upper Sandusky serve?
The First Citizens National Bank of Upper Sandusky serves the following loan purposes: Home Purchase (52 applications), Refinancing (10 applications), Home Improvement (8 applications), Other (4 applications). Home Purchase is the most common purpose.
Where is The First Citizens National Bank of Upper Sandusky located?
The First Citizens National Bank of Upper Sandusky is headquartered in Upper Sandusky, OH. The lender is identified by LEI 254900XDYZ6BODFLQ385 in HMDA data.
How does The First Citizens National Bank of Upper Sandusky compare in lending across racial demographics?
The First Citizens National Bank of Upper Sandusky reports demographic lending data under HMDA requirements. White applicants have an approval rate of 65.6% and denial rate of 12.5%; Asian applicants have an approval rate of 100.0% and denial rate of 0.0%; Joint applicants have an approval rate of 0.0% and denial rate of 100.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.