Largest lenders in Lincoln County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 98 | 11 | 40.8% | 10.99% |
| 2 | City National Bank of West Virginia | C | 55 | 30 | 23.6% | 6.40% |
| 3 | Credit Human Federal Credit Union | D | 35 | 3 | 85.7% | 8.30% |
| 4 | Triad Financial Services | D | 27 | 0 | 63.0% | — |
| 5 | Rocket Mortgage | C | 23 | 11 | 43.5% | 6.75% |
| 6 | Loandepot.Com | D | 13 | 9 | 23.1% | 6.63% |
| 7 | Southwest Stage Funding | F | 13 | 2 | 0.0% | 8.78% |
| 8 | Community Trust Bank | B | 12 | 9 | 16.7% | 5.88% |
| 9 | Primelending, a Plainscapital | A | 11 | 9 | 9.1% | 6.75% |
| 10 | Logan Bank & Trust | C | 10 | 6 | 10.0% | — |
| 11 | The Huntington National Bank | D | 10 | 6 | 30.0% | 8.47% |
| 12 | Broker Solutions | D | 9 | 3 | 0.0% | 7.25% |
| 13 | Guaranteed Rate | B | 8 | 4 | 12.5% | 6.71% |
| 14 | Movement Mortgage | A | 8 | 4 | 25.0% | 6.38% |
| 15 | AmeriSave Mortgage | D | 7 | 2 | 71.4% | 7.19% |
| 16 | Peoples Bank | C | 6 | 2 | 16.7% | 6.48% |
| 17 | Mortgage Research Center | C | 5 | 2 | 20.0% | 6.63% |
| 18 | Gateway First Bank | B | 5 | 3 | 0.0% | 6.01% |
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 | Vanderbilt Mortgage and Finance | 58 | 69.0% |
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 | 361 | 149 | 31.0% | 7.13% | $95,000 |
| 2024 | 388 | 149 | 36.6% | 6.93% | $105,000 |
| 2025 | 425 | 152 | 34.6% | 6.63% | $115,000 |
Frequently asked questions
34.6% of applications in Lincoln County were denied in 2025, against 21.2% statewide in West Virginia.
Vanderbilt Mortgage and Finance, with 98 applications in 2025 and a denial rate of 40.8%.
The median mortgage application in Lincoln County in 2025 was for $115,000; the median property value on originated loans was $175,000.