Largest lenders in Lincoln County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 101 | 61 | 17.8% | 6.50% |
| 2 | Rocket Mortgage | C | 78 | 45 | 26.9% | 6.88% |
| 3 | City Bank | C | 66 | 34 | 19.7% | 6.97% |
| 4 | 21st Mortgage | F | 57 | 11 | 42.1% | 8.74% |
| 5 | Kind Lending | C | 24 | 20 | 16.7% | 6.88% |
| 6 | Mortgage Research Center | C | 22 | 13 | 4.6% | 6.25% |
| 7 | Vanderbilt Mortgage and Finance | F | 18 | 3 | 44.4% | 9.50% |
| 8 | Pennymac Loan Services | C | 17 | 8 | 11.8% | 6.56% |
| 9 | Nationstar Mortgage | C | 17 | 13 | 11.8% | 7.13% |
| 10 | AmeriSave Mortgage | D | 16 | 2 | 81.3% | 10.25% |
| 11 | Loandepot.Com | D | 15 | 3 | 40.0% | 6.25% |
| 12 | PNC Bank | D | 12 | 5 | 41.7% | 7.25% |
| 13 | Fairway Independent Mortgage | B | 12 | 7 | 8.3% | 6.75% |
| 14 | Newrez | D | 12 | 3 | 16.7% | 6.25% |
| 15 | CMG Mortgage | A | 11 | 7 | 0.0% | 6.99% |
| 16 | Broker Solutions | D | 11 | 5 | 9.1% | 6.63% |
| 17 | Navy Federal Credit Union | D | 11 | 5 | 18.2% | 6.88% |
| 18 | Wells Fargo Bank | B | 10 | 2 | 30.0% | 8.13% |
| 19 | Homexpress Mortgage | C | 10 | 8 | 10.0% | 7.38% |
| 20 | Nusenda | D | 10 | 4 | 10.0% | 8.38% |
| 21 | Lakeview Loan Servicing | C | 9 | 4 | 33.3% | 6.12% |
| 22 | Countryplace Mortgage | F | 9 | 1 | 55.6% | 4.75% |
| 23 | Commerce Home Mortgage | C | 9 | 5 | 11.1% | 7.50% |
| 24 | First American Bank | C | 8 | 7 | 0.0% | 7.25% |
| 25 | A&D Mortgage | C | 8 | 5 | 0.0% | 6.25% |
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 | United Shore Financial Services | 80 | 22.5% |
| 2 | Rocket Mortgage | 69 | 30.4% |
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 | 875 | 480 | 18.5% | 7.13% | $205,000 |
| 2024 | 828 | 410 | 23.9% | 7.13% | $215,000 |
| 2025 | 852 | 423 | 22.7% | 6.88% | $215,000 |
Frequently asked questions
22.7% of applications in Lincoln County were denied in 2025, against 18.6% statewide in New Mexico.
United Shore Financial Services, with 101 applications in 2025 and a denial rate of 17.8%.
The median mortgage application in Lincoln County in 2025 was for $215,000; the median property value on originated loans was $355,000.