Lender in Ohio · HMDA 2025
LCNB National Bank mortgages in Ohio
LCNB National Bank's 2025 home-purchase and refinance lending in Ohio, compared with all lenders in the state.
LCNB National Bank originated 387 owner-occupied single-family loans in Ohio from 434 completed applications.
Its median conventional purchase loan costs were $3,050 versus $4,610 for all Ohio lenders, at a median 30-year fixed rate of 6.50% (Ohio: 6.625%).
Loans in OH
387
of 434 applications
Denial rate
5.6%
Purchase · OH 7.1%
Rate spread
−0.05 pts
Conv. · OH +0.22 pts
Loan amount
$255,000
Purchase · OH $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 342 | 306 | 5.6% | 6.500% | −0.05 pts | $3,050 | $255,000 |
| Refinance | 54 | 50 | 5.6% | 4.500% | −1.67 pts | $2,120 | $245,000 |
| Cash-out refinance | 38 | 31 | 15.8% | — | +0.02 pts | $2,290 | $165,000 |
*Conventional loans only; medians with at least 20 loans.
Ohio counties where LCNB National Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Hamilton County | 10 | 228 | 2.1% |
| Ross County | 17 | 14 | 1.6% |
| Pike County | 18 | 3 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology