LCNB National Bank
LCNB National Bank received 648 applications in 2025 and made 523 mortgages, in 43 counties across 11 states. The median rate its borrowers got was 6.500% on a median loan of $235,000. Of 595 decisions, 44 were denials — 7.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300Q55VW95EP3CM33 |
|---|---|
| Applications received | 648 |
| Mortgages made | 523 |
| Denied | 44 |
| Approved, not taken up | 28 |
| Withdrawn or incomplete | 53 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.026 points |
| FDIC-insured bank | Yes: LCNB National Bank, 35 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 363 | 6.500% | $265,000 | 7.0% |
| Refinancing | 67 | 5.000% | $235,000 | 6.7% |
| Cash-out refinancing | 45 | 6.750% | $165,000 | 16.4% |
| Other purposes | 48 | 7.250% | $45,000 | 1.9% |
Where LCNB National Bank lends most
The 43 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hamilton County, OH | 244 | 6.500% | 6.3% |
| Warren County, OH | 53 | 6.500% | 6.7% |
| Butler County, OH | 42 | 6.625% | 4.0% |
| Clermont County, OH | 31 | 6.375% | 5.9% |
| Ross County, OH | 28 | 6.813% | 3.5% |
| Montgomery County, OH | 16 | 6.375% | 11.1% |
| Franklin County, OH | 12 | 6.750% | 20.0% |
| Preble County, OH | 12 | 6.938% | 14.3% |
| Dearborn County, IN | 10 | 6.563% | 9.1% |
| Campbell County, KY | 10 | 6.438% | 8.3% |
| Boone County, KY | 9 | Under 10 loans | 0.0% |
| Kenton County, KY | 9 | Under 10 loans | 9.1% |
| Clinton County, OH | 7 | Under 10 loans | 9.1% |
| Fayette County, OH | 5 | Under 10 loans | 0.0% |
| Brown County, OH | 4 | Under 10 loans | 0.0% |
| Greene County, OH | 4 | Under 10 loans | 20.0% |
| Delaware County, OH | 3 | Under 10 loans | 0.0% |
| Miami County, OH | 3 | Under 10 loans | 0.0% |
| Pike County, OH | 3 | Under 10 loans | 25.0% |
| Licking County, OH | 2 | Under 10 loans | 0.0% |
| Pickaway County, OH | 2 | Under 10 loans | 0.0% |
| La Plata County, CO | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Franklin County, IN | 1 | Under 10 loans | 0.0% |
| Union County, IN | 1 | Under 10 loans | 0.0% |
| Adams County, OH | 1 | Under 10 loans | 0.0% |
| Defiance County, OH | 1 | Under 10 loans | 0.0% |
| Highland County, OH | 1 | Under 10 loans | 0.0% |
| Scioto County, OH | 1 | Under 10 loans | 0.0% |
| Berkeley County, SC | 1 | Under 10 loans | 0.0% |
| Hamilton County, TN | 1 | Under 10 loans | 0.0% |
| Knox County, TN | 1 | Under 10 loans | 0.0% |
| Rutherford County, TN | 1 | Under 10 loans | 0.0% |
| Lauderdale County, AL | 0 | Under 10 loans | Not published |
| Maricopa County, AZ | 0 | Under 10 loans | 100.0% |
| Ohio County, IN | 0 | Under 10 loans | 0.0% |
| Wayne County, IN | 0 | Under 10 loans | 100.0% |
| Mackinac County, MI | 0 | Under 10 loans | 100.0% |
| Clark County, OH | 0 | Under 10 loans | 100.0% |
| Darke County, OH | 0 | Under 10 loans | 100.0% |
| Union County, OH | 0 | Under 10 loans | 0.0% |
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When LCNB National Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.