We analyzed every closed loan from LCNB National Bank — 614 loans across 816 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
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Report Card
LCNB National Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+8.7 bps above market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
572 loans · 0.09% above market
Strong
Top 40% of lenders
4/5
FHA
19 loans · 0.32% above market
Sound
Top 60% of lenders
3/5
VA
16 loans · 0.39% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
563 loans · 0.07% above market
Strong
Top 40% of lenders
4/5
Refinance
51 loans · 0.22% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 572 | 93.2% | +0.091%Above | $745Fees | ||||
FHA Loans | — | 19 | 3.1% | +0.315%Above | $1,594Fees | |||
VA Loans | — | — | 16 | 2.6% | -0.392%Below | $1,488Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume572
Mix93.2%
Spread
+0.091%Above
Fees
$745Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume19
Mix3.1%
Spread
+0.315%Above
Fees
$1,594Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume16
Mix2.6%
Spread
-0.392%Below
Fees
$1,488Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 563 | 91.7% | +0.074%Above | $847Fees | ||||
Refinance | 51 | 8.3% | +0.222%Above | $180Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume563
Mix91.7%
Spread
+0.074%Above
Fees
$847Fees
Refinance
OverallSound
ProductSound
PricingExceptional
Pull ThroughSound
Volume51
Mix8.3%
Spread
+0.222%Above
Fees
$180Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
614
Applications
816
Volume
$176 million
Pricing & Closing
Avg Rate Spread
+0.087%
vs. market APOR
Avg Net Fees
$786
Origination − Credits
Pullthrough Rate
75.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$286,694
Avg Borrower Income
$132,327
Avg Property Value
$377,785
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
9Full-year 2024 · HMDALoans originated
< 5050+None
Northeast1
MA
Midwest3
INMIOH
South4
ALFLKYTN
West1
UT
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.