Lincoln Savings Bank mortgage approval rate & lending review
Lincoln Savings Bank decided 799 mortgage applications and funded 745 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Lincoln Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Lincoln Savings Bank at a glance
Approval is 10.7 points above the 86.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 607 / 622 | 96% | $225K | 583 |
| Refinance | 94% | 31 / 33 | 94% | $205K | 29 |
| Investment property purchase | 97% | 97 / 100 | 97% | $155K | 94 |
| Investment refinance | 100% | 29 / 29 | 97% | $175K | 28 |
Lincoln Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Iowa | 97% | $225K | 766 | 717 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Lincoln Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Polk County, IA | Mortgage lenders | 98% | 354 | 336 |
| Dallas County, IA | Mortgage lenders | 97% | 124 | 115 |
| Black Hawk County, IA | Mortgage lenders | 99% | 104 | 98 |
| Black Hawk County, IA | Investment property purchase | 100% | 40 | 38 |
| Polk County, IA | Investment property purchase | 100% | 34 | 34 |
The county markets where Lincoln Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Lincoln Savings Bank
What is Lincoln Savings Bank's mortgage approval rate?
Lincoln Savings Bank approved 97.0% of the 799 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.7 points above the 86.3% national rate for the same mix of loan types.
How often do borrowers take the loan Lincoln Savings Bank offers?
Borrowers accepted 96% of the loans Lincoln Savings Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Lincoln Savings Bank make?
The typical home purchase mortgage loan Lincoln Savings Bank made was $225K; across all loan types its typical loan ran from $155K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Lincoln Savings Bank lend?
Lincoln Savings Bank decided applications in 17 of the states Fat Boy Data covers, most of them in Iowa, Arizona and Florida.
Can I apply to Lincoln Savings Bank directly?
Yes. Lincoln Savings Bank is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Lincoln Savings Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Lincoln Savings Bank treats applications, then get a rate quote from the lender.