• Construction Loans

    If you have decided to build a new home, that means you will have to finance the actual building process. Let LCNB help you to save time and money with our variety of convenient construction loan options.

    A construction loan is different than a regular mortgage. A mortgage is a lien against a real property as security for money loaned. A construction loan is a short-term loan used to finance the cost of construction. For your convenience, we offer construction-to-permanent financing, which means your short term construction loan will automatically convert to a permanent mortgage when your home is built.


    • One closing, and only one closing fee for construction/permanent loans
    • Quick approval and loan closing
    • Low fixed or variable rates
    • Low closing costs
    • Flexible draw schedule
    • No pre-payment penalty

    Options Available:

    • Short or long term financing
    • Blanket mortgages and bridge loans
    • Rate locks

    Lot Loans

    Looking for the perfect lot to build your new home? Let LCNB National Bank finance your purchase. Whether you plan to build now or in the future, our lot financing program provides you with the flexible options and benefits you need, with the personal service that you can depend on. Financing is available on lots up to 15 acres.

    Lot Financing Benefits include:

    • Quick approval and loan closing
    • 15-year amortization/5-year balloon
    • Low fixed rate
    • Low monthly payments
    • Low closing costs
    • No pre-payment penalty

    Apply Now

Who we are

Today LCNB National Bank is your Hometown Lender for home improvement loans, home equity loan options, personal, and business or mortgage loans as well as a safe and stable bank for deposit, investment and trust services.

Where we are

LCNB National Bank is based in Lebanon, Ohio and has branches serving 9 counties including Butler, Clermont, Clinton, Fayette, Hamilton, Montgomery, Preble, Ross, & Warren. We truly are "Your Bank for Life!"

Copyright ©2013 LCNB National Bank ~ all rights reserved.

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Serving Greater Cincinnati, Chillicothe, & Dayton | LCNB National Bank - 1-800-344-BANK - 2 North Broadway Lebanon, Ohio 45036