Cincinnati Federal mortgage approval rate & lending review
Cincinnati Federal decided 415 mortgage applications and funded 385 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Cincinnati Federal reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to lcnb.com.
Cincinnati Federal at a glance
Approval is 10.2 points above the 85.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 340 / 352 | 98% | $215K | 333 |
Cincinnati Federal lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Cincinnati Federal lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hamilton County, OH | Mortgage lenders | 95% | 203 | 190 |
| Butler County, OH | Mortgage lenders | 100% | 56 | 55 |
| Clermont County, OH | Mortgage lenders | 94% | 31 | 28 |
The county markets where Cincinnati Federal made the most loans. Each link opens that market with every lender ranked.
Questions about Cincinnati Federal
What is Cincinnati Federal's mortgage approval rate?
Cincinnati Federal approved 95.7% of the 415 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.2 points above the 85.5% national rate for the same mix of loan types.
How often do borrowers take the loan Cincinnati Federal offers?
Borrowers accepted 97% of the loans Cincinnati Federal approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Cincinnati Federal make?
The typical home purchase mortgage loan Cincinnati Federal made was $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Cincinnati Federal lend?
Cincinnati Federal decided applications in 8 of the states Fat Boy Data covers, most of them in Ohio, Kentucky and Indiana.
Can I apply to Cincinnati Federal directly?
Yes. Cincinnati Federal reports as a direct lender that takes applications from borrowers. Its website is lcnb.com.
Does this page show Cincinnati Federal's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Cincinnati Federal treats applications, then get a rate quote from the lender.