Applications / Mortgage Analytics / Lenders / Arkansas / Simmons Bank
Pine Bluff, AR · State member bank · FRS · $24.5 billion assets · 3,125 loans in 2025
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3,125
loans originated, 2025
4,871
applications, 2025
22
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Simmons Bank, an Arkansas bank grown through a long run of mergers, held its loan count nearly steady in 2025 and lends more in LMI and majority-minority areas than most similar banks.
Originations fell 1% to 3,125, while similar lenders (state member banks making between half and twice as many loans) typically grew 3% and the whole market 10%. The amount lent rose from $777.7 million to $921.0 million. The bank made 7,402 loans in 2020, more than twice this year's count.
Low- and moderate-income (LMI) tracts took 21.8% of its loans against 15.0%, higher than more than four in five similar lenders, and majority-minority tracts 20.4% against 13.9%. Five years ago the shares were 10.3% and 6.5%; mergers since then, including Spirit of Texas Bank in 2022, may have shifted where it lends.
Its typical loan was $155,000 against $225,000, and FHA loans (insured by the Federal Housing Administration) were 8.0% against 1.9%. Home improvement was 22.0% of its lending.
Its share in Little Rock-North Little Rock-Conway rose from 1.8% to 2.3%, 12 of 423 lenders, in a market led by Arvest Bank and First Security Bank. It ranks 11 of 459 in non-metro Arkansas, and has lent in Dallas-Fort Worth-Arlington and Houston since before 1990.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Simmons Bank took 4,871 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.1% · Home improvement 22.0% · Refinance 21.5% · Other 8.4%
Conventional 89.2% · FHA 8.0% · USDA (RHS or FSA) 1.8% · VA 1.1% · of 3,125 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arkansas | 986 | 31.6% |
| Tennessee | 773 | 24.7% |
| Texas | 559 | 17.9% |
| Missouri | 461 | 14.8% |
| Oklahoma | 237 | 7.6% |
| Kansas | 56 | 1.8% |
| Mississippi | 18 | 0.6% |
| Kentucky | 7 | 0.2% |
| Georgia | 4 | 0.1% |
| Illinois | 4 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Little Rock-North Little Rock-Conway | 283 |
| Corpus Christi | 214 |
| Memphis | 186 |
| Nashville-Davidson--Murfreesboro--Franklin | 172 |
| Fayetteville-Springdale-Rogers | 155 |
| Jonesboro | 127 |
| Jackson | 116 |
| Oklahoma City | 111 |
| Columbia | 100 |
| Fort Worth-Arlington-Grapevine | 93 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DPRWSBUY619V27 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 663245 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 16680 | 1990–2015 |
| Respondent ID (the HMDA filer code before 2018) | 2663245 | 2016–2017 |
Established 23 March 1903. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Simmons Bank's data.
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