Applications / Mortgage Analytics / Lenders / Indiana / The Lincoln National Life Insurance Company
Fort Wayne, IN · Non-bank lender · CFPB · 19 loans in 2025
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19
loans originated, 2025
20
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Lincoln National Life Insurance Company is no ordinary home lender: it made 19 loans in 2025, typically of $11.5 million each.
Its typical loan was $11.5 million, against $285,000 at similar lenders (non-bank lenders making between an eighth and eight times as many loans). A year earlier its typical loan was $19.8 million. Every loan was conventional and 84.2% were refinancing. Loans of this size are not ordinary home mortgages, though the reports do not say what properties they finance.
It first reported in 2018, with 57 loans, and made 59 in 2019. It made 14 loans in each of 2023 and 2024, and 19 in 2025, a rise of 36%. With so few loans, a handful either way moves that figure a lot, and its borrower and neighborhood shares are too small to read much into.
Its loans touch 16 metros in 9 states, with California its largest. It lent for the first time in York-Hanover, Charleston, Napa and Madison in 2025. With loans this large, even one deal can lift it up a market's league table: it ranks 23 of 229 lenders in Napa, where another insurer, Metropolitan Life Insurance Company, leads.
Similar lenders: same lender type, originations between an eighth and eight times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Lincoln National Life Insurance Company took 20 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 84.2% · Purchase 15.8%
Conventional 100.0% · of 19 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 6 | 31.6% |
| Pennsylvania | 3 | 15.8% |
| Georgia | 2 | 10.5% |
| South Carolina | 2 | 10.5% |
| Tennessee | 2 | 10.5% |
| Illinois | 1 | 5.3% |
| New Jersey | 1 | 5.3% |
| Texas | 1 | 5.3% |
| Wisconsin | 1 | 5.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 2 |
| Memphis | 2 |
| York-Hanover | 2 |
| Allentown-Bethlehem-Easton | 1 |
| Austin-Round Rock-San Marcos | 1 |
| Charleston-North Charleston | 1 |
| Chicago-Naperville-Schaumburg | 1 |
| Los Angeles-Long Beach-Glendale | 1 |
| Madison | 1 |
| Napa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | NJ1Z0LLF4RLDWG2WCN80 | 2018–2025 |
Established 12 June 1905. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: The Lincoln National Life Insurance Company's data.
The Lincoln National Life Insurance Company's data
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The Lincoln National Life Insurance Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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