The Conway National Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
65th2.4% deniedProcesswithdrawn + incomplete share, weight 15%
87th0.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 287 | 276 | 3.1% | 3.2% | — | $63M |
| 2024 | 327 | 309 | 4.9% | 4.9% | — | $77M |
| 2025 | 338 | 329 | 2.4% | 2.4% | — | $82M |
What The Conway National Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 71 manufactured homes, 213 investment properties.
Why The Conway National Bank denies applications
Primary reason reported for each of the 8 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at The Conway National Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 39 | 36 | 5.1% |
| $50k – $100k | 56 | 50 | 10.7% |
| $100k – $150k | 32 | 32 | 0.0% |
| $150k – $250k | 37 | 37 | 0.0% |
| Over $250k | 41 | 41 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 25 | 23 | 4.0% |
| 35–44 | 34 | 34 | 0.0% |
| 45–54 | 43 | 39 | 9.3% |
| 55–64 | 63 | 60 | 4.8% |
| Over 74 | 26 | 26 | 0.0% |
Where The Conway National Bank lends
2 states and 15 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| South Carolina | 330 | 321 | 2.4% | — | #131 |
| North Carolina | 8 | 8 | 0.0% | — | #670 |
Frequently asked questions
The Conway National Bank denied 2.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 65th percentile of investment-property lenders.
The most common reason The Conway National Bank gave in 2025 was "credit history", cited on 37.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 48% of its applications were for home purchases, 40% for refinancing (including cash-out), and 12% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.