Purchase Originations
341
Median Total Costs
$3,111
−53.4% vs national ($6,680)
↓ $120 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,045
Median Lender Credits
$600
Denial Rate
5.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 329 | 6.500% | $3,047 | $1,045 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,066 | 6.375% | — | 7 | −$1,045 | |
| 2 | $2,568 | 6.500% | — | 196 | −$543 | |
| 3 | $2,699 | 6.562% | — | 6 | −$412 | |
| 4 | $2,729 | 6.250% | — | 1 | −$382 | |
| 5 | $2,926 | 7.125% | — | 2 | −$185 | |
| 6 | $2,958 | 6.500% | — | 11 | −$153 | |
| 7 | $2,994 | 6.500% | — | 9 | −$117 | |
| 8 | $3,120 | 6.375% | — | 6 | +$9 | |
| 9 | $3,133 | 6.625% | — | 2 | +$22 | |
| 10 | $3,220 | 6.625% | — | 4 | +$109 | |
| 11 | $3,270 | 7.000% | — | 1 | +$159 | |
| 12 | $3,371 | 6.375% | — | 22 | +$260 | |
| 13 | $3,616 | 6.375% | — | 3 | +$505 | |
| 14 | $3,629 | 6.562% | — | 26 | +$518 | |
| 15 | $3,632 | 6.625% | — | 26 | +$521 | |
| 16 | $3,772 | 6.125% | — | 9 | +$661 | |
| 17 | $3,807 | 7.250% | — | 2 | +$696 | |
| 18 | $3,814 | 6.250% | — | 2 | +$703 | |
| 19 | $4,682 | 7.125% | — | 1 | +$1,571 | |
| 20 | $7,813 | 6.500% | — | 1 | +$4,702 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | LCNB National Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $3,111 | $7,127 | −$4,016 (−56.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.