LCNB National Bank in Ohio vs the state
6.5%Denial rate-11.22 pts vs state
7.1%Decision denial rate-14.83 pts vs state
80.9%Origination rate+21.02 pts vs state
6.50%Median rate-0.38 pts vs state
-0.02Rate spread (pts)-0.41 pts vs state
$106kMedian applicant income
475Loans originated
38Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 355 | 295 | 10.7% | 6.63% | #141 |
| 2024 | 889 | 668 | 7.3% | 6.63% | #85 |
| 2025 | 587 | 475 | 6.5% | 6.50% | #121 |
What LCNB National Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most LCNB National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 296 | 244 | 17 | 5.7% |
| Warren County | 65 | 53 | 4 | 6.2% |
| Butler County | 57 | 42 | 2 | 3.5% |
| Clermont County | 37 | 31 | 2 | 5.4% |
| Ross County | 29 | 28 | 1 | 3.4% |
| Montgomery County | 21 | 16 | 2 | 9.5% |
| Franklin County | 16 | 12 | 3 | 18.8% |
| Preble County | 15 | 12 | 2 | 13.3% |
| Clinton County | 12 | 7 | 1 | 8.3% |
| Greene County | 6 | 4 | 1 | 16.7% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 587 applications in 2025, of which 475 were originated and 38 denied.
6.5% of all applications, or 7.1% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans LCNB National Bank originated in Ohio in 2025 was 6.50%, against a statewide median of 6.88%.
About this data. Figures are LCNB National Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology