# LCNB National Bank

> **Canonical URL:** https://saferate.com/lenders/lcnb-national-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


LCNB National Bank is a bank, headquartered in Lebanon, OH, serving borrowers across 9 states, with 614 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 18% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 35% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300Q55VW95EP3CM33
- **Headquarters:** Lebanon, OH
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** AL, FL, IN, KY, MA, MI, OH, TN, UT
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.087%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $786
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 614
- **Dollar Volume:** $176 million
- **Applications Received:** 816
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $286,694
- **Average Borrower Income:** $132,327
- **Average Property Value:** $377,785

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 65/100 | 572 | +0.091% | $745 | Strong 😀 |
| FHA | 53/100 | 19 | +0.315% | $1,594 | Sound ☺️ |
| VA | 60/100 | 16 | -0.392% | $1,488 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 522 loans, Score: 66/100 (Strong)
- Refinance: 50 loans, Score: 52/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 563 | $163M | +0.074% | Strong 😀 |
| Refinance | 49/100 | 51 | $13M | +0.222% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 526 | 0.39% | 81/100 |
| KY | 44 | 0.09% | 57/100 |
| IN | 34 | 0.04% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cincinnati, OH |  | 556 | 96/100 |
| Non |  | 19 | 27/100 |
| Dayton | OH | 18 | 49/100 |

## Where This Lender Ranks

LCNB National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Cincinnati, OH Banks
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks)
- 🥇 **#1** in Ohio Banks
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/banks)
- 🥈 **#2** in Cincinnati, OH
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders)
- 🥉 **#3** in Ohio
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders)
- 🏆 **#5** in Cincinnati, OH for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/va-loans)
- 🏆 **#7** in Cincinnati, OH for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#7** in Ohio for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/banks/va-loans)
- 🏆 **#9** in Cincinnati, OH for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Cincinnati, OH for Conventional Loans
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in Cincinnati, OH for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#11** in Cincinnati, OH for Jumbo Loans
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/jumbo-loans)
- 🏆 **#12** in Cincinnati, OH for VA Loans
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/va-loans)
- 🏆 **#12** in Ohio for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#15** in Ohio for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#15** in Ohio for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#16** in Ohio for Jumbo Loans
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/jumbo-loans)
- 🏆 **#19** in Ohio for VA Loans
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/va-loans)
- 🏆 **#20** in Ohio for Conventional Loans
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does LCNB National Bank offer?

LCNB National Bank offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does LCNB National Bank offer mortgages?

LCNB National Bank offers mortgages in 9 states: AL, FL, IN, KY, MA, MI, OH, TN, UT.

### How competitive are LCNB National Bank's mortgage rates?

LCNB National Bank has a pricing score of 82/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.087% above market average.

### What type of lender is LCNB National Bank?

LCNB National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Lebanon, OH.

### What is LCNB National Bank's loan approval success rate?

LCNB National Bank has a pull-through score of 65/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/lcnb-national-bank

### How to Cite

> "LCNB National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/lcnb-national-bank

---

**[View Interactive Profile →](https://saferate.com/lenders/lcnb-national-bank)**