Largest lenders in Lincoln County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | REDSTONE Federal Credit Union | C | 186 | 105 | 17.2% | 8.00% |
| 2 | United Shore Financial Services | B | 117 | 83 | 10.3% | 6.12% |
| 3 | Rocket Mortgage | C | 88 | 66 | 11.4% | 6.75% |
| 4 | First Community Mortgage | A | 65 | 49 | 1.5% | 6.25% |
| 5 | Regions Bank | C | 61 | 31 | 34.4% | 4.99% |
| 6 | First National Bank of Pulaski | B | 40 | 29 | 7.5% | — |
| 7 | CMG Mortgage | A | 40 | 26 | 10.0% | 6.38% |
| 8 | Vanderbilt Mortgage and Finance | F | 37 | 9 | 35.1% | 8.99% |
| 9 | Mortgage Research Center | C | 35 | 14 | 14.3% | 6.50% |
| 10 | CB&S Bank | C | 33 | 27 | 9.1% | 6.75% |
| 11 | Dhi Mortgage Company | B | 33 | 23 | 9.1% | 4.99% |
| 12 | U.S. Bank | D | 30 | 15 | 33.3% | 7.85% |
| 13 | FirstBank | C | 28 | 22 | 3.6% | 6.63% |
| 14 | Pennymac Loan Services | C | 25 | 10 | 16.0% | 6.00% |
| 15 | Freedom Mortgage | B | 24 | 8 | 4.2% | 6.00% |
| 16 | Primis Mortgage | B | 24 | 15 | 8.3% | 6.06% |
| 17 | 21st Mortgage | F | 18 | 5 | 27.8% | 9.85% |
| 18 | AmeriSave Mortgage | D | 17 | 5 | 58.8% | 8.88% |
| 19 | Farm Credit Mid-America | D | 17 | 14 | 11.8% | 7.13% |
| 20 | First Commerce Bank | A | 17 | 17 | 0.0% | — |
| 21 | Crosscountry Mortgage | B | 15 | 7 | 0.0% | 7.08% |
| 22 | Broker Solutions | D | 15 | 9 | 6.7% | 6.50% |
| 23 | Ascend Federal Credit Union | C | 15 | 9 | 13.3% | 6.38% |
| 24 | Canopy Mortgage | B | 14 | 10 | 0.0% | 6.81% |
| 25 | Fairway Independent Mortgage | B | 14 | 10 | 0.0% | 6.50% |
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 | First Community Mortgage | 57 | 1.8% |
| 2 | United Shore Financial Services | 97 | 12.4% |
| 3 | Rocket Mortgage | 78 | 12.8% |
| 4 | REDSTONE Federal Credit Union | 148 | 21.6% |
| 5 | Regions Bank | 56 | 37.5% |
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 | 1,279 | 717 | 20.1% | 7.00% | $155,000 |
| 2024 | 1,357 | 784 | 16.7% | 6.75% | $175,000 |
| 2025 | 1,488 | 881 | 15.0% | 6.50% | $185,000 |
Frequently asked questions
15.0% of applications in Lincoln County were denied in 2025, against 17.1% statewide in Tennessee.
REDSTONE Federal Credit Union, with 186 applications in 2025 and a denial rate of 17.2%.
The median mortgage application in Lincoln County in 2025 was for $185,000; the median property value on originated loans was $285,000.