First National Bank of Lawrence County in Arkansas vs the state
23.4%Denial rate+5.17 pts vs state
23.4%Decision denial rate+0.23 pts vs state
62.6%Origination rate+5.79 pts vs state
—Median rate
—Rate spread (pts)
$77kMedian applicant income
67Loans originated
25Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 95 | 64 | 20.0% | — | #147 |
| 2024 | 87 | 53 | 25.3% | — | #158 |
| 2025 | 107 | 67 | 23.4% | — | #145 |
What First National Bank of Lawrence County lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most First National Bank of Lawrence County applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lawrence County | 59 | 33 | 16 | 27.1% |
| Randolph County | 28 | 18 | 7 | 25.0% |
| Craighead County | 9 | 9 | 0 | 0.0% |
| Sharp County | 4 | 2 | 2 | 50.0% |
| Greene County | 3 | 2 | 0 | 0.0% |
| Pope County | 1 | 1 | 0 | 0.0% |
| Clay County | 1 | 1 | 0 | 0.0% |
| Mississippi County | 1 | 0 | 0 | 0.0% |
| Poinsett County | 1 | 1 | 0 | 0.0% |
Other large lenders in Arkansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Arvest Bank | C | 9,748 | 14.4% | 7.00% |
| Rocket Mortgage | C | 5,854 | 20.1% | 6.63% |
| ARKANSAS Federal Credit Union | F | 4,439 | 23.6% | 7.50% |
| Vanderbilt Mortgage and Finance | F | 3,491 | 38.4% | 10.25% |
| 21st Mortgage | F | 3,250 | 46.6% | 9.69% |
| Mortgage Research Center | C | 2,767 | 18.3% | 6.25% |
| Regions Bank | C | 2,646 | 40.0% | 6.13% |
| Firsttrust Home Loans | B | 2,590 | 0.5% | 6.49% |
| United Shore Financial Services | B | 2,456 | 13.3% | 6.12% |
| Triad Financial Services | D | 2,133 | 54.2% | 8.68% |
Frequently asked questions
Arkansas: 107 applications in 2025, of which 67 were originated and 25 denied.
23.4% of all applications, or 23.4% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First National Bank of Lawrence County's own HMDA filing for properties located in Arkansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology