Largest lenders in Lawrence County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Arvest Bank | C | 121 | 69 | 28.9% | 7.25% |
| 2 | Flat Branch Mortgage | A | 95 | 76 | 0.0% | 6.63% |
| 3 | Rocket Mortgage | C | 77 | 57 | 14.3% | 6.50% |
| 4 | Mortgage Research Center | C | 65 | 35 | 21.5% | 6.50% |
| 5 | Mid-Missouri Bank | A | 54 | 48 | 0.0% | — |
| 6 | 21st Mortgage | F | 49 | 13 | 34.7% | 12.17% |
| 7 | Gershman Investment | B | 48 | 34 | 2.1% | 6.63% |
| 8 | Freedom Mortgage | B | 48 | 20 | 4.2% | 6.25% |
| 9 | Old Missouri Bank | B | 47 | 39 | 8.5% | — |
| 10 | Pennymac Loan Services | C | 43 | 22 | 9.3% | 6.50% |
| 11 | United Shore Financial Services | B | 42 | 29 | 9.5% | 6.25% |
| 12 | Broker Solutions | D | 42 | 22 | 7.1% | 6.63% |
| 13 | Vanderbilt Mortgage and Finance | F | 40 | 7 | 17.5% | 8.99% |
| 14 | Freedom Bank of Southern Missouri | A | 40 | 34 | 5.0% | — |
| 15 | Regions Bank | C | 38 | 22 | 36.8% | 4.99% |
| 16 | Great Southern Bank | C | 34 | 17 | 41.2% | 6.50% |
| 17 | U.S. Bank | D | 33 | 14 | 42.4% | 8.34% |
| 18 | DAS Acquisition Company | B | 29 | 23 | 0.0% | 6.63% |
| 19 | Newrez | D | 26 | 9 | 15.4% | 6.75% |
| 20 | AmeriSave Mortgage | D | 24 | 9 | 50.0% | 6.50% |
| 21 | BluCurrent Credit Union | A | 22 | 18 | 4.6% | 7.00% |
| 22 | American Financial Resources | B | 21 | 17 | 0.0% | 6.63% |
| 23 | Unnamed lender 549300FZVFXIG76Q3D24 | – | 20 | 19 | 5.0% | — |
| 24 | Simmons Bank | C | 20 | 9 | 40.0% | 7.50% |
| 25 | Guaranty Bank | A | 20 | 17 | 0.0% | — |
Best approval odds in Lawrence County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Flat Branch Mortgage | 77 | 0.0% |
| 2 | Rocket Mortgage | 72 | 15.3% |
| 3 | Arvest Bank | 104 | 33.7% |
What Lawrence County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lawrence County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,138 | 682 | 21.2% | 6.99% | $145,000 |
| 2024 | 1,330 | 795 | 20.4% | 6.88% | $145,000 |
| 2025 | 1,576 | 948 | 16.6% | 6.63% | $155,000 |
Frequently asked questions
16.6% of applications in Lawrence County were denied in 2025, against 15.1% statewide in Missouri.
Arvest Bank, with 121 applications in 2025 and a denial rate of 28.9%.
The median mortgage application in Lawrence County in 2025 was for $155,000; the median property value on originated loans was $225,000.