Largest lenders in Lincoln County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 39 | 7 | 53.9% | 10.24% |
| 2 | Fairway Independent Mortgage | B | 38 | 26 | 10.5% | 6.25% |
| 3 | Vanderbilt Mortgage and Finance | F | 36 | 2 | 41.7% | 10.37% |
| 4 | Connect Bank | – | 33 | 16 | 21.2% | — |
| 5 | Triad Financial Services | D | 14 | 1 | 42.9% | 8.61% |
| 6 | Simmons Bank | C | 10 | 4 | 50.0% | 5.31% |
| 7 | Pennymac Loan Services | C | 7 | 2 | 14.3% | 5.69% |
| 8 | Credit Human Federal Credit Union | D | 6 | 1 | 83.3% | 8.10% |
| 9 | Relyance Bank | – | 6 | 4 | 33.3% | — |
| 10 | Mortgage Research Center | C | 6 | 4 | 33.3% | 6.62% |
| 11 | Mortgage Financial Services | B | 6 | 5 | 0.0% | 6.75% |
| 12 | U.S. Bank | D | 5 | 1 | 80.0% | 5.88% |
| 13 | United Shore Financial Services | B | 5 | 2 | 20.0% | 6.00% |
| 14 | ARKANSAS Federal Credit Union | F | 5 | 0 | 40.0% | — |
What Lincoln County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lincoln County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 244 | 111 | 29.5% | 7.25% | $85,000 |
| 2024 | 255 | 88 | 38.0% | 7.13% | $105,000 |
| 2025 | 290 | 105 | 30.7% | 6.56% | $105,000 |
Frequently asked questions
30.7% of applications in Lincoln County were denied in 2025, against 18.2% statewide in Arkansas.
21st Mortgage, with 39 applications in 2025 and a denial rate of 53.9%.
The median mortgage application in Lincoln County in 2025 was for $105,000; the median property value on originated loans was $165,000.