Applications / Mortgage Analytics / Lenders / Ohio / Sibcy Cline Mortgage Services
Cincinnati, OH · Independent non-bank lender · CFPB · 263 loans in 2025
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263
loans originated, 2025
408
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sibcy Cline Mortgage Services, a Cincinnati home-purchase lender, made 49% more loans in 2025 while similar lenders stood still.
Purchase loans made up 94.7% of what it lent in 2025; refinancing was a sideline at 5.3%. It is an independent non-bank lender, and four in five of its loans were conventional. Loans insured by the Federal Housing Administration (FHA) rose to 14.8%, from 9.7% a year earlier, still a little below similar lenders, meaning non-banks making between half and twice as many loans.
Its loans rose from 176 to 263. That was faster than almost all similar lenders, whose typical count did not change, and faster than the whole market's 10%. The rise follows three years of slow decline, with 208, 192 and 176 loans.
Cincinnati is its biggest market, and it has lent there since 1990. Its share rose to 0.5% from 0.4%, ranking it 51 of 621 lenders in a market led by United Wholesale Mortgage and Union Savings Bank. In 2025 it also made its first loans in Louisville, Sandusky and Cleveland, though its shares there are tiny.
Borrowers with low or moderate incomes (LMI) took 36.1% of its loans, up from 26.1% and higher than about four in five similar lenders, whose typical share was 21.5%. Its typical loan, $285,000, was smaller than theirs, which fits a lender serving more lower-income buyers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sibcy Cline Mortgage Services took 408 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 94.7% · Refinance 5.3%
Conventional 80.6% · FHA 14.8% · VA 4.6% · of 263 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 | 234 | 89.0% |
| Kentucky | 25 | 9.5% |
| Indiana | 4 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 249 |
| Dayton-Kettering-Beavercreek | 4 |
| Louisville/Jefferson County | 2 |
| Cleveland | 1 |
| Sandusky | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490039D55J3ZL21O72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3837421 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 77140500002 | 1990–2017 |
Established 27 April 1983. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Sibcy Cline Mortgage Services's data.
Sibcy Cline Mortgage Services's data
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Sibcy Cline Mortgage Services 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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