Mortgage lenders in Lawrence County
948 mortgages were made in Lawrence County, Missouri, in 2025, by 158 lenders. The median rate their borrowers got was 6.625% on a median loan of $165,000. Of 1,255 decisions, 261 were denials — 20.8%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| FLAT BRANCH MORTGAGE, INC. | 76 | 6.625% | $190,000 | 0.0% |
| Arvest Bank | 69 | 7.250% | $95,000 | 33.7% |
| Rocket Mortgage, LLC | 57 | 6.500% | $165,000 | 15.3% |
| Mid-Missouri Bank | 48 | Not published | $135,000 | 0.0% |
| Old Missouri Bank | 39 | Not published | $175,000 | 9.3% |
| Mortgage Research Center, LLC | 35 | 6.500% | $205,000 | 28.6% |
| GERSHMAN INVESTMENT CORP. | 34 | 6.625% | $185,000 | 2.9% |
| FREEDOM BANK OF SOUTHERN MISSOURI | 34 | Not published | $145,000 | 5.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 29 | 6.249% | $195,000 | 11.4% |
| DAS Acquisition Company, LLC | 23 | 6.625% | $225,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 22 | 6.500% | $155,000 | 13.8% |
| Broker Solutions, Inc. | 22 | 6.625% | $160,000 | 12.0% |
| Regions Bank | 22 | 4.990% | $115,000 | 37.8% |
| FREEDOM MORTGAGE CORPORATION | 20 | 6.250% | $155,000 | 8.7% |
| 549300FZVFXIG76Q3D24 | 19 | Not published | $95,000 | 5.0% |
| BluCurrent Credit Union | 18 | 7.000% | $75,000 | 5.3% |
| Great Southern Bank | 17 | 6.500% | $95,000 | 45.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | 17 | 6.625% | $175,000 | 0.0% |
| Guaranty Bank | 17 | Not published | $195,000 | 0.0% |
| U.S. Bank National Association | 14 | 8.338% | $105,000 | 50.0% |
| Cadence Bank | 14 | 6.558% | $295,000 | 12.5% |
| 21st Mortgage Corporation | 13 | 12.170% | $25,000 | 56.7% |
| The Central Trust Bank | 12 | 6.563% | $145,000 | 14.3% |
| Peoples Community Bank | 12 | Not published | $125,000 | 0.0% |
| Oakstar Bank | 12 | 7.500% | $210,000 | 0.0% |
| NEWREZ LLC | 9 | Under 10 loans | Under 10 loans | 28.6% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 57.1% |
| Simmons Bank | 9 | Under 10 loans | Under 10 loans | 44.4% |
| Loandepot.Com, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 7 | Under 10 loans | Under 10 loans | 50.0% |
| Click n' Close, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 6 | Under 10 loans | Under 10 loans | 53.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| River Region Credit Union | 6 | Under 10 loans | Under 10 loans | 27.3% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| 5493001Q8FNQ5TSRE594 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Missouri | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| Commerce Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Southern Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ResMac, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Southwest Missouri Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Pinnacle Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 54930042JJO3F1BJD749 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ozark Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ASSEMBLIES OF GOD Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sullivan Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Midwest Mortgage Associates Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Signature Bank of Arkansas | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| O'BANNON BANKING COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JLB CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 52.9% |
| TELCOMM Credit Union | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Zippy Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FIGURE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| People's Bank of Seneca | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSOURI ELECTRIC COOPERATIVES EMPL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Callaway Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| National Police Federal Credit Union effective | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTMENT SERVICES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-America Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Labette Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stockmens Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Members Mortgage Services, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 83.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 75.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| COUNTRYPLACE MORTGAGE, LTD. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Regent Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of England | 0 | Under 10 loans | Under 10 loans | Not published |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| SIRVA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COMMUNITY MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BANK OF LITTLE ROCK MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| FCS Financial, FLCA | 0 | Under 10 loans | Under 10 loans | Not published |
| MEGASTAR FINANCIAL CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| IOWA BANKERS MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Fidelity Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| FirstBank | 0 | Under 10 loans | Under 10 loans | Not published |
| JPMorgan Chase Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Lawrence County
11 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First State Bank of the Ozarks | 2 | $143.9 million |
| Omb Bank | 1 | $215.4 million |
| First Independent Bank | 1 | $131.4 million |
| Mid-Missouri Bank | 1 | $126.2 million |
| Arvest Bank | 1 | $64.9 million |
| Simmons Bank | 1 | $46.3 million |
| Freedom Bank of Southern Missouri | 1 | $38.5 million |
| Bank of Billings | 1 | $30.4 million |
| Great Southern Bank | 1 | $23.5 million |
| Peoples Community Bank | 1 | $5.7 million |
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When the next year’s lending figures are out for Lawrence County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.