# SIBCY CLINE MORTGAGE SERVICES, INC.

> **Canonical URL:** https://saferate.com/lenders/sibcy-cline-mortgage-services

> **📋 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

SIBCY CLINE MORTGAGE SERVICES, INC. is a independent mortgage company, headquartered in CINCINNATI, OH, serving borrowers across 3 states, with 175 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 35% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 25490039D55J3ZL21O72
- **Headquarters:** CINCINNATI, OH
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** IN, KY, OH
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

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

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.207%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,499
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 175
- **Dollar Volume:** $50 million
- **Applications Received:** 241
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $283,171
- **Average Borrower Income:** $136,137

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 146 | +0.198% | $1,488 | Sound ☺️ |
| FHA | 52/100 | 17 | +0.459% | $1,379 | Sound ☺️ |
| VA | 55/100 | 11 | -0.113% | $2,037 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 137 loans, Score: 44/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 46/100 | 165 | $46M | +0.226% | Sound ☺️ |
| Refinance | 23/100 | 10 | $3M | -0.081% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 154 | 0.11% | 71/100 |
| KY | 19 | 0.04% | 50/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cincinnati, OH |  | 161 | 82/100 |
| Dayton | OH | 10 | 44/100 |

## Frequently Asked Questions

### What loan types does SIBCY CLINE MORTGAGE SERVICES, INC. offer?

SIBCY CLINE MORTGAGE SERVICES, INC. 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 SIBCY CLINE MORTGAGE SERVICES, INC. offer mortgages?

SIBCY CLINE MORTGAGE SERVICES, INC. offers mortgages in 3 states: IN, KY, OH.

### How competitive are SIBCY CLINE MORTGAGE SERVICES, INC.'s mortgage rates?

SIBCY CLINE MORTGAGE SERVICES, INC. has a pricing score of 65/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.207% above market average.

### What type of lender is SIBCY CLINE MORTGAGE SERVICES, INC.?

SIBCY CLINE MORTGAGE SERVICES, INC. is a non-depository lender that specializes in mortgage origination, headquartered in CINCINNATI, OH.

### What is SIBCY CLINE MORTGAGE SERVICES, INC.'s loan approval success rate?

SIBCY CLINE MORTGAGE SERVICES, INC. has a pull-through score of 56/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/sibcy-cline-mortgage-services

### How to Cite

> "SIBCY CLINE MORTGAGE SERVICES, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/sibcy-cline-mortgage-services

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