LCNB National Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
61st7.4% deniedPricingmedian rate spread over APOR, weight 30%
83rd-0.03 ptsProcesswithdrawn + incomplete share, weight 15%
66th8.2%Closing coststotal loan costs ÷ loan amount, weight 10%
81st1.13% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 375 | 311 | 10.4% | 10.8% | 6.63% | $92M |
| 2024 | 1,026 | 770 | 6.8% | 7.9% | 6.63% | $245M |
| 2025 | 648 | 523 | 6.8% | 7.4% | 6.50% | $177M |
What LCNB National Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 8 manufactured homes, 44 investment properties.
Why LCNB National Bank denies applications
Primary reason reported for each of the 44 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at LCNB National Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 42 | 28 | 24.3% |
| $50k – $100k | 253 | 208 | 7.8% |
| $100k – $150k | 141 | 124 | 3.7% |
| $150k – $250k | 122 | 98 | 4.5% |
| Over $250k | 60 | 49 | 1.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 47 | 39 | 4.8% |
| 25–34 | 242 | 205 | 3.6% |
| 35–44 | 111 | 88 | 4.9% |
| 45–54 | 89 | 71 | 12.9% |
| 55–64 | 74 | 60 | 10.3% |
| 65–74 | 43 | 34 | 12.2% |
Where LCNB National Bank lends
11 states and 43 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
LCNB National Bank denied 7.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 61st percentile of small mortgage lenders.
The most common reason LCNB National Bank gave in 2025 was "debt-to-income ratio", cited on 34.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans LCNB National Bank originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was -0.03 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 71% of its applications were for home purchases, 21% for refinancing (including cash-out), and 8% for home improvement or other purposes. By loan type: 95% conventional, 4% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.