Lender profile · HMDA 2023–2025
LCNB National Bank mortgage approval rates & lending data
LCNB National Bank decided 1,378 mortgage applications and funded 1,218 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 93% | $245K | 1,309 | 1,155 |
| Kentucky | 96% | $225K | 52 | 47 |
| Tennessee | 100% | $405K | 5 | 5 |
| Florida | 100% | $225K | 4 | 4 |
| Utah | 100% | $285K | 2 | 2 |
| Arizona | 0% | — | 1 | 0 |
| Georgia | 100% | $165K | 1 | 1 |
| Indiana | 100% | $365K | 1 | 1 |
| Massachusetts | 100% | $715K | 1 | 1 |
| Michigan | 100% | $225K | 1 | 1 |
| South Carolina | 100% | $155K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.