LCNB National Bank in Indiana vs the state
13.3%Denial rate-3.24 pts vs state
13.3%Decision denial rate-6.81 pts vs state
80.0%Origination rate+17.75 pts vs state
6.63%Median rate-0.13 pts vs state
-0.05Rate spread (pts)-0.42 pts vs state
$97kMedian applicant income
12Loans originated
2Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 7 | 12.5% | 6.88% | #551 |
| 2024 | 48 | 39 | 6.3% | 6.63% | #347 |
| 2025 | 15 | 12 | 13.3% | 6.63% | #496 |
What LCNB National Bank lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most LCNB National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dearborn County | 11 | 10 | 1 | 9.1% |
| Wayne County | 1 | 0 | 1 | 100.0% |
| Union County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Ohio County | 1 | 0 | 0 | 0.0% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 15 applications in 2025, of which 12 were originated and 2 denied.
13.3% of all applications, or 13.3% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans LCNB National Bank originated in Indiana in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are LCNB National Bank's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology