Lnb Community Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
60th7.5% deniedProcesswithdrawn + incomplete share, weight 15%
49th11.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 208 | 174 | 7.7% | 8.2% | — | $30M |
| 2024 | 251 | 212 | 5.6% | 6.0% | — | $44M |
| 2025 | 212 | 170 | 6.6% | 7.5% | — | $36M |
What Lnb Community 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, 10 manufactured homes, 7 investment properties.
Who gets approved at Lnb Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 23 | 16 | 5.9% |
| $50k – $100k | 82 | 66 | 9.3% |
| $100k – $150k | 51 | 38 | 11.6% |
| $150k – $250k | 35 | 31 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 37 | 30 | 3.1% |
| 35–44 | 35 | 28 | 6.7% |
| 45–54 | 50 | 44 | 6.4% |
| 55–64 | 38 | 25 | 15.6% |
| 65–74 | 26 | 23 | 4.2% |
Where Lnb Community Bank lends
2 states and 12 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Indiana | 209 | 167 | 6.7% | — | #197 |
Frequently asked questions
Lnb Community Bank denied 7.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 60th percentile of small mortgage lenders.
In 2025, 56% of its applications were for home purchases, 24% for refinancing (including cash-out), and 20% for home improvement or other purposes. By loan type: 100% conventional, 0% 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.