The story begins with a notebook, a phone list and a determination to serve borrowers others overlooked. Frank Coto III, president of Lincoln Lending Group, built a company around that conviction, turning relentless effort into a platform that helps families secure fair, transparent financing.
Coto’s entrepreneurial wiring showed up early. He started neighborhood ventures, learned how to spot unmet demand, then carried that mindset into lending after an introduction to a local broker. He absorbed every detail, from reading public records to mastering product variations, and became the top producer at his first firm. When growth stalled there, he chose a different path and launched Lincoln Lending Group after a pivotal moment on a major Tampa street sparked the name.
Momentum followed disciplined execution. Over the last three years the firm nearly doubled in size, expanded footprints across Florida into new territories and upgraded analytics so approvals move faster with tighter controls. Client retention climbed, revenue grew and the team recruited seasoned specialists who share a service standard that never bends.
A Titan 100 Honoree, Coto pairs volume with stewardship. Personal production exceeds $100 million in closed loans annually while running the enterprise. He donates time and resources to universities, educates real estate partners through radio and live events and makes sure people denied elsewhere find programs that fit their situation. The aim is consistent—help every client reach sustainable homeownership through honest guidance.
The future of work at the company blends artificial intelligence with human judgment. Lincoln Lending Group is implementing machine learning to accelerate approvals, track files in real time and power campaigns that engage new and existing customers. Automation removes friction while experienced professionals keep decisions grounded in context so borrowers feel informed at every step.
Coto keeps passion high through visible leadership. He mentors originators, celebrates wins, invests in training and surrounds the office with positive energy that multiplies effort. Everyone hears the same promise: Everyone can be approved for a mortgage, if not today, tomorrow. For people not ready yet, the team designs concrete roadmaps that address credit, income and savings so timelines become achievable plans.
The five-year vision is direct. Lincoln Lending Group will serve a larger national audience while preserving local reliability. Growth means adding elite producers, deepening relationships with partners and never compromising the principle that speed must live alongside accuracy. Coto wants every borrower to say the same thing after closing—that the service was exceptional and the terms competitive.
Accomplishments tell the arc. The company has earned top producing honors across Tampa Bay and beyond while operating with a lean headcount, a reflection of operating discipline. Coto speaks at trade shows and industry gatherings, mentors students through university programs and promotes financial literacy so communities understand mortgages, equity and debt management. Pride comes from outcomes families enjoy when fair lending opens doors. That remains the mission and the measure. Every closing is another promise kept. Progress endures.
