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How can we help you today?

Explore the range of answers we offer. From checking accounts and the convenience of online banking to business banking services and agricultural lending, you’ll find Citizens National Bank offers everything you need – and we’re close to home.

Preparing to purchase a new home?

We’re here to help guide you along the path to home ownership and answer your questions. Apply Online Today!

The program you choose will depend on your income, credit history, interest rates, available cash, and how long you intend to live in the home. Contact a lender to find out the best option for you.

Fixed-Rate Mortgage
A mortgage in which the interest rate does not change during the entire term of the loan. The borrower’s interest and principal payments remain the same each month.

Adjustable-Rate Mortgage (ARM)
A mortgage loan in which the interest rate adjusts based on market conditions. A financial index determines the interest rate. This mortgage provides a lower interest rate, with a risk of higher monthly payments if the rates go up. You may consider an ARM if you are confident you can handle increased payments or plan to move in a few years.

Construction Loan
Work with an approved contractor to build your new home and easily transition to a permanent mortgage loan.

Physician Loan Program
Available to physicians coming out of residency to start a full-time practice. The loan term will be amortized at 30 years or less. Proof of employment with a contract is required.

During the pre-approval process, your lender will work with you to find the right product and term that best fits your financial goals. To obtain pre-approval, a lender evaluates your credit history and calculates your housing and debt ratios. Pre-approval is free of charge. You should expect to verify your income, length of employment, and source of down payment.

Your lender will request the following information:
  • Employment: Employer info, pay stubs, W-2 forms, and/or signed federal tax returns
  • Other Income: Pension, disability, social security, support and/or rental income
  • Assets: Bank statements and any other assets
  • Liabilities: List of all creditors
  • History: Landlord address, current mortgage payments, and/or bankruptcy
  • Other information may be requested based on your situation

A pre-approval letter shows the seller and/or the realtor that you are a serious buyer. If a lender denies pre-approval, you should investigate immediately. Without pre-approval, your chances of obtaining a mortgage loan are jeopardized. If a lender bases the decision, in part, on information in your credit report, you have the right to receive a free copy of the report.

Questions about how much your payment will be, or whether refinancing makes sense for you? Check out our Mortgage Calculators to help you!

We're helping build businesses one relationship at a time.

CNB Success Stories

Continuing a Legacy with CNB

Brandon and Danielle Reynolds, owners of Legacy Marble and Granite in Findlay, OH, purchased the business from Brandon's father. They purchase stone from all around the world and need a bank to allow them to make the purchases with ease. They work with Matt Wood and Susan Bunn, CNB Findlay, to help keep their family business going strong.

See More Success Stories

Find one of our nine locations near you.

  • Bluffton
  • Celina
  • Defiance
  • Elida
  • Findlay
  • Lima
  • Springfield
  • Toledo
  • Van Wert

There's so much more from CNB.

With a full range of banking services to help you manage many aspects of daily financial life, pursue your dreams, and plan for the future, we’re going to make great neighbors!

  • Online banking, mobile banking, mobile wallet and more
  • Savings accounts, CDs, and money markets accounts
  • Student savings plans and student loans
  • Visa debit cards and credit cards with rewards
  • Retirement planning and investments through Citizens Wealth Management Group

Learn More

CNB News and Events

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