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Lawrence County, Arkansas · 2025

Mortgage lenders in Lawrence County, AR: denial rates and top lenders (2025)

102 lenders acted on 524 mortgage applications for properties in Lawrence County in 2025. 26.5% were denied (Arkansas: 18.2%). Median rate on closed loans 6.75%; median loan $95,000; median property value $155,000.

524Applications
26.5%Denial ratestate 18.2%
6.75%Median ratestate 6.63%
$95,000Median loan
$155,000Median property value

Largest lenders in Lawrence County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 First National Bank of Lawrence County C 5933 27.1%—
2 First Horizon Bank B 4818 45.8%6.95%
3 Regions Bank C 319 58.1%4.99%
4 Rocket Mortgage C 3017 33.3%6.75%
5 Fairway Independent Mortgage B 1814 5.6%6.13%
6 First Community Bank C 1610 6.3%7.36%
7 Broker Solutions D 166 25.0%6.81%
8 DAS Acquisition Company B 1510 13.3%6.63%
9 Cadence Bank B 138 38.5%7.19%
10 Vanderbilt Mortgage and Finance F 131 53.9%11.50%
11 Pennymac Loan Services C 124 8.3%7.44%
12 Freedom Mortgage B 116 18.2%6.25%
13 Arvest Bank C 108 0.0%7.13%
14 21st Mortgage F 101 60.0%9.49%
15 Mortgage Research Center C 96 0.0%6.00%
16 Equity Prime Mortgage D 83 12.5%6.63%
17 Centennial Bank D 73 28.6%7.50%
18 First Community Mortgage A 66 0.0%6.75%
19 United Shore Financial Services B 64 0.0%6.38%
20 Triad Financial Services D 60 66.7%—
21 AmeriSave Mortgage D 50 100.0%—
22 ARKANSAS Federal Credit Union F 51 20.0%7.50%
23 Success Federal Credit Union – 55 0.0%5.81%
24 Ark-La-Tex Financial Services, LLC. A 54 0.0%6.31%
25 The Farmers & Merchants Bank D 55 0.0%7.75%

Best approval odds in Lawrence County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1First National Bank of Lawrence County5927.1%

What Lawrence County borrowers applied for

By loan purpose

Home purchase 264 50% · 20.1% denied
Refinance 84 16% · 15.5% denied
Cash-out refinance 52 10% · 32.7% denied
Home improvement 60 11% · 46.7% denied
Other / HELOC 64 12% · 43.8% denied

By loan type

Conventional 335 64% · 32.8% denied
FHA 100 19% · 20.0% denied
VA 45 9% · 17.8% denied
USDA / RHS 44 8% · 2.3% denied

Why applications were denied

Credit history 65 47%
Debt-to-income ratio 27 20%
Collateral 18 13%
Incomplete application 11 8%
Other 10 7%
Unverifiable information 4 3%
Insufficient cash 2 1%
Employment history 1 1%

Lawrence County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202345623525.7%7.13%$85,000
202447124824.4%6.88%$105,000
202552426926.5%6.75%$95,000

Frequently asked questions

26.5% of applications in Lawrence County were denied in 2025, against 18.2% statewide in Arkansas.

First National Bank of Lawrence County, with 59 applications in 2025 and a denial rate of 27.1%.

The median mortgage application in Lawrence County in 2025 was for $95,000; the median property value on originated loans was $155,000.