Applications / Mortgage Analytics / Lenders / Arkansas / Eagle Bank and Trust Company
Little Rock, AR · State member bank · FRS · $498 million assets · 2,030 loans in 2025
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2,030
loans originated, 2025
2,620
applications, 2025
18
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Eagle Bank and Trust Company is a home-purchase lender built on government-backed loans: only 58.8% of its loans were conventional, against 97.1% at similar banks.
FHA (insured by the Federal Housing Administration) loans were 27.9% of its lending, against 2.3% at similar lenders (state member banks making between half and twice as many loans); VA (guaranteed by the Department of Veterans Affairs) 8.4%, against 0.5%; and RHS (guaranteed by the Department of Agriculture's Rural Housing Service) 4.9%, against 0.2%. Home purchases were 92.0% of its loans.
It ranked 1 of 181 lenders in Monroe, LA, with 8.8% of lending, and 2 of 211 in Idaho Falls, where its share rose 0.2 points to 8.1%; it entered both in 2018. At home it ranked 6 of 423 in Little Rock.
Originations rose 1% to 2,030, against 5% at peers and 10% for the whole market. It made 5,816 loans in 2020, when its typical rate was 2.88%; in 2025 it was 6.50%.
It turned down 3.5% of decided first-lien home-purchase applications on owner-occupied homes, against 6.8% at peers. Only 0.6% of loans were higher-priced (a rate well above the average for similar loans), against 1.3%. LMI (low- and moderate-income) borrowers took 30.7%, against 26.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Eagle Bank and Trust Company took 2,620 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 92.0% · Refinance 7.0% · Other 0.7% · Home improvement 0.3%
Conventional 58.8% · FHA 27.9% · VA 8.4% · USDA (RHS or FSA) 4.9% · of 2,030 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 | 975 | 48.0% |
| Idaho | 428 | 21.1% |
| Louisiana | 374 | 18.4% |
| Mississippi | 196 | 9.7% |
| Tennessee | 20 | 1.0% |
| Texas | 11 | 0.5% |
| Florida | 6 | 0.3% |
| Missouri | 4 | 0.2% |
| Utah | 4 | 0.2% |
| Colorado | 2 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Little Rock-North Little Rock-Conway | 579 |
| Idaho Falls | 327 |
| Monroe | 325 |
| Memphis | 302 |
| Fayetteville-Springdale-Rogers | 113 |
| Jonesboro | 22 |
| Hot Springs | 16 |
| Pocatello | 12 |
| Fort Smith | 6 |
| Boise City | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QFP6J5QSZVF805 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 453446 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2453446 | 2000–2017 |
Established 1 January 1919. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Eagle Bank and Trust Company's data.
Eagle Bank and Trust Company's data
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