SIBCY CLINE MORTGAGE SERVICES, INC.
SIBCY CLINE MORTGAGE SERVICES, INC. received 408 applications in 2025 and made 263 mortgages, in 23 counties across 3 states. The median rate its borrowers got was 6.625% on a median loan of $285,000. Of 284 decisions, 21 were denials — 7.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 25490039D55J3ZL21O72 |
|---|---|
| Applications received | 408 |
| Mortgages made | 263 |
| Denied | 21 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 124 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.289 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 249 | 6.625% | $285,000 | 7.1% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 10.0% |
Where SIBCY CLINE MORTGAGE SERVICES, INC. lends most
The 23 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 | 122 | 6.625% | 8.3% |
| Butler County, OH | 60 | 6.875% | 6.3% |
| Warren County, OH | 22 | 6.875% | 4.4% |
| Clermont County, OH | 16 | 6.750% | 5.9% |
| Kenton County, KY | 10 | 6.438% | 0.0% |
| Boone County, KY | 7 | Under 10 loans | 12.5% |
| Dearborn County, IN | 4 | Under 10 loans | 0.0% |
| Campbell County, KY | 4 | Under 10 loans | 0.0% |
| Brown County, OH | 3 | Under 10 loans | 0.0% |
| Montgomery County, OH | 3 | Under 10 loans | 25.0% |
| Jefferson County, KY | 2 | Under 10 loans | 0.0% |
| Preble County, OH | 2 | Under 10 loans | 33.3% |
| Harrison County, KY | 1 | Under 10 loans | 0.0% |
| Pendleton County, KY | 1 | Under 10 loans | 0.0% |
| Clark County, OH | 1 | Under 10 loans | 0.0% |
| Erie County, OH | 1 | Under 10 loans | 0.0% |
| Geauga County, OH | 1 | Under 10 loans | 0.0% |
| Greene County, OH | 1 | Under 10 loans | 0.0% |
| Highland County, OH | 1 | Under 10 loans | 0.0% |
| Mercer County, OH | 1 | Under 10 loans | 0.0% |
| Fayette County, IN | 0 | Under 10 loans | Not published |
| Cuyahoga County, OH | 0 | Under 10 loans | 100.0% |
| Summit County, OH | 0 | Under 10 loans | Not published |
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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.