LCNB National Bank mortgage approval rate & lending review
LCNB National Bank decided 1,378 mortgage applications and funded 1,218 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions LCNB National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
LCNB National Bank at a glance
Approval is 9.4 points above the 83.4% 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 | 94% | 943 / 1,001 | 95% | $245K | 899 |
| Home improvement loans | 100% | 80 / 80 | 100% | $45K | 80 |
| Cash-out refinance | 80% | 97 / 121 | 91% | $135K | 88 |
| Refinance | 93% | 90 / 97 | 97% | $245K | 87 |
| Investment property purchase | 89% | 51 / 57 | 98% | $155K | 50 |
LCNB National Bank 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 LCNB National Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hamilton County, OH | Mortgage lenders | 95% | 605 | 548 |
| Butler County, OH | Mortgage lenders | 93% | 121 | 104 |
| Warren County, OH | Mortgage lenders | 93% | 86 | 76 |
| Clermont County, OH | Mortgage lenders | 93% | 71 | 63 |
| Hamilton County, OH | Refinance | 93% | 46 | 42 |
| Warren County, OH | Cash-out refinance | 77% | 47 | 35 |
| Warren County, OH | Home improvement loans | 100% | 34 | 34 |
| Hamilton County, OH | Investment property purchase | 91% | 22 | 20 |
| Hamilton County, OH | Cash-out refinance | 82% | 28 | 17 |
The county markets where LCNB National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about LCNB National Bank
What is LCNB National Bank's mortgage approval rate?
LCNB National Bank approved 92.8% of the 1,378 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.4 points above the 83.4% national rate for the same mix of loan types.
How often do borrowers take the loan LCNB National Bank offers?
Borrowers accepted 95% of the loans LCNB National Bank 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 LCNB National Bank make?
The typical home purchase mortgage loan LCNB National Bank made was $245K; across all loan types its typical loan ran from $45K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does LCNB National Bank lend?
LCNB National Bank decided applications in 11 of the states Fat Boy Data covers, most of them in Ohio, Kentucky and Tennessee.
Can I apply to LCNB National Bank directly?
Yes. LCNB National Bank is a bank or credit union with 35 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show LCNB National Bank'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 LCNB National Bank treats applications, then get a rate quote from the lender.