Applications / Mortgage Analytics / Lenders / Ohio / LCNB National Bank
Lebanon, OH · National bank · OCC · $2.2 billion assets · 523 loans in 2025
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523
loans originated, 2025
648
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
LCNB National Bank, an Ohio purchase lender, made 523 home loans in 2025, down 32% from an unusually high 2024 while similar national banks grew 6%.
Similar lenders (national banks making between half and twice as many loans) grew 6% and the whole market 10%; LCNB's change was lower than nearly all of them. Its 770 loans in 2024 were far above the 311 of 2023, and 523 is still above 2023 and above the 436 of similar lenders. Its 2024 merger with EAGLE.bank may have added to that peak.
Purchase was 69.4% of its loans and refinance 21.4%. Its typical loan was $235,000, against $205,000 for similar lenders. It made a small share of FHA loans (insured by the Federal Housing Administration), 2.7%, where similar lenders' typical share was 0.0%.
In Cincinnati, IN-KY-OH, where it has lent since before 1990, it ranks 24 of 621 with a 0.9% share, down from 1.5%. Its shares also fell in Dayton-Kettering-Beavercreek, OH, to 0.1% from 0.3%, and in Columbus, OH, to 0.1% from 0.2%. Those falls may simply reflect the drop in its own loans.
Of its loans, 35.7% went to low- and moderate-income (LMI) borrowers, against 26.0%, higher than more than four in five similar lenders, and up from 28.0% five years before. Its share in LMI tracts, 14.5%, was near the middle.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. LCNB National Bank took 648 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.4% · Refinance 21.4% · Home improvement 5.7% · Other 3.4%
Conventional 96.7% · FHA 2.7% · VA 0.4% · USDA (RHS or FSA) 0.2% · of 523 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 475 | 90.8% |
| Kentucky | 28 | 5.4% |
| Indiana | 12 | 2.3% |
| Tennessee | 3 | 0.6% |
| Florida | 2 | 0.4% |
| Colorado | 1 | 0.2% |
| Georgia | 1 | 0.2% |
| South Carolina | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 413 |
| Dayton-Kettering-Beavercreek | 23 |
| Columbus | 19 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Charleston-North Charleston | 1 |
| Chattanooga | 1 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| Knoxville | 1 |
| Naples-Marco Island | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Q55VW95EP3CM33 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 785923 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 12360 | 1990–2017 |
Established 10 May 1877. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: LCNB National Bank's data.
LCNB National Bank's data
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LCNB National Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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