Applications / Mortgage Analytics / Lenders / Ohio / The First Citizens National Bank of Upper Sandusky
Upper Sandusky, OH · National bank · OCC · $368 million assets · 66 loans in 2025
The First Citizens National Bank of Upper Sandusky's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
66
loans originated, 2025
87
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First Citizens National Bank of Upper Sandusky made 38% more home loans in 2025, faster growth than most similar banks, though at 66 it remains below the 80 it reported in 2018.
Its loans rose from 48 to 66. A typical similar lender (national banks making between half and twice as many loans) grew 3%, and the whole market 10%; the bank grew faster than more than four in five peers. It filed no report for 2020 to 2022, so the record has a gap there rather than a lull.
Loans in low- and moderate-income (LMI) neighborhoods rose to 15.2% from 8.3%, close to the 16.2% at a typical peer. LMI borrowers took 28.6% of its loans, a little above peers' 23.2%. Its lending to majority-minority neighborhoods was 0.0%, against 7.8% at peers; its biggest market is non-metro Ohio, which may hold few such neighborhoods.
Its loans spread over 12 counties in two states. In non-metro Ohio it ranks 98 of 592 lenders; it has also lent in non-metro Michigan since 2003. In Columbus it is a minor player, ranking 219 of 596.
It took its present name in 1991, having been The Village Bank. It first reported under the Home Mortgage Disclosure Act in 2001.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. The First Citizens National Bank of Upper Sandusky took 87 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.9% · Refinance 40.9% · Other 10.6% · Home improvement 7.6%
Conventional 100.0% · of 66 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 65 | 98.5% |
| Michigan | 1 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 11 |
| Sandusky | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XDYZ6BODFLQ385 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 230423 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 118783 | 2001–2017 |
Established 1 December 1902. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: The First Citizens National Bank of Upper Sandusky's data.
The First Citizens National Bank of Upper Sandusky's data
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The First Citizens National Bank of Upper Sandusky and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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