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THE LINCOLN NATIONAL BANK OF HODGENVILLE

Hodgenville, KY

THE LINCOLN NATIONAL BANK OF HODGENVILLE processed 249 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 207 loans with a 5.2% denial rate. Home Purchase was the primary loan purpose. Based in Hodgenville, KY. The approval rate of 83.1% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. THE LINCOLN NATIONAL BANK OF HODGENVILLE processed 249 HMDA-reported mortgage applications in 2024, originating 207 loans and denying 13 for a denial rate of 5.2% (applicants themselves withdrew 11 files before a decision). The average loan amount was $177,932. The lender reports under LEI 549300DUOQ7XXHRKPG35 from Hodgenville, KY.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. THE LINCOLN NATIONAL BANK OF HODGENVILLE's 83.1% origination rate tells you how often an application turned into funded money; the 5.2% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Collateral, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (249 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

249
Applications
207
Originated
5.2%
Denial Rate
$177,932
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 249 207 13 $177,932

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for THE LINCOLN NATIONAL BANK OF HODGENVILLE (LEI: 549300DUOQ7XXHRKPG35) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
7
Collateral
5
Credit history
4

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 115 99 $245,087
Refinancing 64 50 $165,000
Home Improvement 39 32 $79,103
Other 30 26 $70,667
Cash-out Refinancing 1 0 $355,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 227 84.1% 4.8%
Black or African American 3 100.0% 0.0%
Asian 2 50.0% 50.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 232 84.0% 5.2%

Nearby Lenders in KY

Other HMDA-reporting lenders in KY with similar activity. Compare any two side-by-side.

STOCKTON MORTGAGE CORPORATION

FRANKFORT, KY

12,011 apps 7,797 originated 6.5% denied

Liberty Federal Credit Union

Louisville, KY

6,132 apps 4,679 originated 7.9% denied

FARM CREDIT MID-AMERICA, ACA

LOUISVILLE, KY

5,902 apps 4,311 originated 10.4% denied

MAGNOLIA BANK

Elizabethtown, KY

5,338 apps 4,002 originated 7.8% denied

REPUBLIC BANK & TRUST

LOUISVILLE, KY

3,866 apps 2,192 originated 13.1% denied
Compare THE LINCOLN NATIONAL BANK OF HODGENVILLE vs STOCKTON MORTGAGE CORPORATION →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did THE LINCOLN NATIONAL BANK OF HODGENVILLE process?
THE LINCOLN NATIONAL BANK OF HODGENVILLE processed 249 mortgage applications in the 2023 HMDA reporting year. Of these, 207 were originated (approved and funded), 11 were withdrawn by the applicant, and 13 were denied.
What is THE LINCOLN NATIONAL BANK OF HODGENVILLE's mortgage approval rate?
THE LINCOLN NATIONAL BANK OF HODGENVILLE has an approval (origination) rate of 83.1%, meaning 83.1% of all applications resulted in a funded mortgage. The denial rate is 5.2%.
What is the average loan amount at THE LINCOLN NATIONAL BANK OF HODGENVILLE?
The average mortgage loan amount at THE LINCOLN NATIONAL BANK OF HODGENVILLE is $177,932.
What are the most common reasons for mortgage denial at THE LINCOLN NATIONAL BANK OF HODGENVILLE?
The most common reasons for mortgage denial at THE LINCOLN NATIONAL BANK OF HODGENVILLE are: Debt-to-income ratio, Collateral, Credit history. In total, 13 applications were denied out of 249 total applications.
What types of mortgage loans does THE LINCOLN NATIONAL BANK OF HODGENVILLE offer?
THE LINCOLN NATIONAL BANK OF HODGENVILLE processes Conventional loans. The most common type is Conventional with 249 applications and an average loan amount of $177,932.
What loan purposes does THE LINCOLN NATIONAL BANK OF HODGENVILLE serve?
THE LINCOLN NATIONAL BANK OF HODGENVILLE serves the following loan purposes: Home Purchase (115 applications), Refinancing (64 applications), Home Improvement (39 applications), Other (30 applications), Cash-out Refinancing (1 applications). Home Purchase is the most common purpose.
Where is THE LINCOLN NATIONAL BANK OF HODGENVILLE located?
THE LINCOLN NATIONAL BANK OF HODGENVILLE is headquartered in Hodgenville, KY. The lender is identified by LEI 549300DUOQ7XXHRKPG35 in HMDA data.
How does THE LINCOLN NATIONAL BANK OF HODGENVILLE compare in lending across racial demographics?
THE LINCOLN NATIONAL BANK OF HODGENVILLE reports demographic lending data under HMDA requirements. White applicants have an approval rate of 84.1% and denial rate of 4.8%; Black or African American applicants have an approval rate of 100.0% and denial rate of 0.0%; Asian applicants have an approval rate of 50.0% and denial rate of 50.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.