Lawrence Bank mortgage approval rate & lending review
Lawrence Bank decided 942 mortgage applications and funded 793 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Lawrence Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Lawrence Bank at a glance
Approval is 15.5 points above the 73.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 86% | 87 / 101 | 92% | $385K | 80 |
| Home improvement loans | 84% | 271 / 323 | 94% | $105K | 254 |
| Refinance | 89% | 217 / 245 | 94% | $115K | 204 |
| Investment property purchase | 100% | 113 / 113 | 95% | $355K | 107 |
| Investment refinance | 99% | 125 / 126 | 98% | $235K | 122 |
| Investment home improvement | 96% | 26 / 27 | 100% | $455K | 26 |
Lawrence Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 89% | $115K | 934 | 785 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Lawrence Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sumner County, TN | Home improvement loans | 82% | 187 | 146 |
| Sumner County, TN | Refinance | 90% | 124 | 106 |
| Davidson County, TN | Investment refinance | 100% | 49 | 47 |
| Davidson County, TN | Home improvement loans | 82% | 56 | 41 |
| Rutherford County, TN | Refinance | 89% | 37 | 32 |
| Davidson County, TN | Investment property purchase | 100% | 33 | 31 |
| Williamson County, TN | Home improvement loans | 94% | 31 | 28 |
| Davidson County, TN | Refinance | 85% | 34 | 27 |
| Rutherford County, TN | Home improvement loans | 97% | 29 | 27 |
| Williamson County, TN | Refinance | 93% | 30 | 26 |
| Sumner County, TN | Investment property purchase | 100% | 23 | 21 |
| Wilson County, TN | Investment property purchase | 100% | 22 | 21 |
The county markets where Lawrence Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Lawrence Bank
What is Lawrence Bank's mortgage approval rate?
Lawrence Bank approved 89.2% of the 942 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.5 points above the 73.7% national rate for the same mix of loan types.
How often do borrowers take the loan Lawrence Bank offers?
Borrowers accepted 94% of the loans Lawrence Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Lawrence Bank make?
The typical home improvement loan loan Lawrence Bank made was $105K; across all loan types its typical loan ran from $105K to $455K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Lawrence Bank lend?
Lawrence Bank decided applications in 6 of the states Fat Boy Data covers, most of them in Tennessee, Florida and Kentucky.
Can I apply to Lawrence Bank directly?
Yes. Lawrence Bank is a bank or credit union with 31 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Lawrence Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Lawrence Bank treats applications, then get a rate quote from the lender.