Lincoln County
Tennessee · FIPS 47103
According to CFPB HMDA 2024 application volume among U.S. counties, Lincoln County ranks #1,106 of 3,210, and #42 of 95 in Tennessee.
Mortgage lending activity in Lincoln County, Tennessee based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Lincoln County, Tennessee saw 1,513 HMDA-reported mortgage applications in 2024. Lenders originated 784 of those loans and denied 226, producing a denial rate of 14.9% and an approval (origination) rate of 51.8%. The average loan amount was $201,960 at an average note rate of 7.18%, with applicants self-reporting average annual income of $37K. 132 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.5x, meaning typical borrowers took on mortgages of about 5.5 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Lincoln County
In Lincoln County, lead originator Redstone Federal Credit Union funded 12.4% of 784 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 26.5% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Lincoln County's 1,513 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Lincoln County's $201,960 average loan (deduped against volume peers).
Lenders active in Lincoln County
Redstone Federal Credit Union funded 97 of the 784 loans originated in Lincoln County, 12.4% of the county. 132 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Redstone Federal Credit Union | 97 | 12.4% |
| 2 | United Wholesale Mortgage | 62 | 7.9% |
| 3 | Rocket Mortgage | 49 | 6.3% |
| 4 | First Community Mortgage | 49 | 6.3% |
| 5 | First National Bank of Pulaski | 43 | 5.5% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Lincoln County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Lincoln County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.