Largest lenders in Lincoln County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Broker Solutions | D | 84 | 42 | 13.1% | 6.31% |
| 2 | 21st Mortgage | F | 78 | 12 | 50.0% | 10.40% |
| 3 | Vanderbilt Mortgage and Finance | F | 68 | 18 | 38.2% | 10.13% |
| 4 | Rocket Mortgage | C | 50 | 33 | 24.0% | 6.63% |
| 5 | First Southern National Bank | B | 44 | 41 | 2.3% | 7.57% |
| 6 | Whitaker Bank | B | 32 | 23 | 6.3% | 6.25% |
| 7 | Abound Federal Credit Union | C | 32 | 19 | 21.9% | 6.00% |
| 8 | United Shore Financial Services | B | 27 | 17 | 25.9% | 6.88% |
| 9 | T2 Financial | B | 25 | 19 | 4.0% | 6.25% |
| 10 | Commonwealth | C | 24 | 11 | 25.0% | 7.25% |
| 11 | Mortgage Research Center | C | 22 | 11 | 13.6% | 6.50% |
| 12 | Pennymac Loan Services | C | 18 | 11 | 16.7% | 7.13% |
| 13 | Community Trust Bank | B | 18 | 14 | 16.7% | 7.38% |
| 14 | Credit Human Federal Credit Union | D | 15 | 0 | 93.3% | — |
| 15 | PNC Bank | D | 13 | 7 | 23.1% | 7.65% |
| 16 | U.S. Bank | D | 12 | 3 | 33.3% | 6.63% |
| 17 | Freedom Mortgage | B | 11 | 4 | 0.0% | 6.25% |
| 18 | Coastal Community Bank | C | 11 | 3 | 0.0% | 13.74% |
| 19 | Stockton Mortgage | D | 10 | 7 | 10.0% | 6.63% |
| 20 | Triad Financial Services | D | 10 | 0 | 60.0% | — |
| 21 | JPMorgan Chase Bank | B | 9 | 5 | 22.2% | 6.63% |
| 22 | AmeriSave Mortgage | D | 9 | 1 | 55.6% | 5.88% |
| 23 | Central Kentucky Agricultural Credit Association | – | 9 | 9 | 0.0% | 7.25% |
| 24 | Loandepot.Com | D | 9 | 5 | 33.3% | 6.99% |
| 25 | Ark-La-Tex Financial Services, LLC. | A | 9 | 7 | 22.2% | 6.49% |
Best approval odds in Lincoln County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Broker Solutions | 53 | 20.8% |
| 2 | 21st Mortgage | 51 | 76.5% |
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 | 741 | 367 | 27.8% | 6.88% | $115,000 |
| 2024 | 869 | 426 | 27.4% | 6.91% | $125,000 |
| 2025 | 903 | 465 | 23.3% | 6.75% | $135,000 |
Frequently asked questions
23.3% of applications in Lincoln County were denied in 2025, against 18.8% statewide in Kentucky.
Broker Solutions, with 84 applications in 2025 and a denial rate of 13.1%.
The median mortgage application in Lincoln County in 2025 was for $135,000; the median property value on originated loans was $215,000.