First Community Bank is an Arkansas bank with far more government-backed and manufactured-home loans than similar lenders, ranking second in Jonesboro and third in non-metro Arkansas.
Government-backed and manufactured-home lending well above peers
FHA loans (insured by the Federal Housing Administration) were 20.0% of its originations, against 2.6% at similar lenders (state non-member banks making between half and twice as many loans), up from 4.1% five years before. RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) were 2.5%, against 0.2%; VA loans (guaranteed by the Department of Veterans Affairs) 3.2%; and manufactured homes 5.3%, against 1.1%.
More higher-priced loans, with FHA lending
Its higher-priced share (a rate well above the average for similar loans) was 11.4%, against 1.4% at peers, down from 16.8% five years before. FHA loans, a fifth of its lending, and manufactured-home loans are often priced this way, which could account for most of the difference. Its home-purchase denial rate, 3.8%, was lower than peers' 6.4%.
Second in Jonesboro, third in non-metro Arkansas
It ranked 2 of 193 lenders in Jonesboro, behind Arvest Bank, with its share up 0.2 points to 5.0%, and 3 of 459 in non-metro Arkansas, behind Rocket Mortgage and Arvest Bank. In Little Rock-North Little Rock-Conway its share rose 0.2 points to 2.3%, ranking 11 of 423.
Growth near the middle, more LMI borrowers
Originations rose 14% to 1,573, against 11% at similar lenders and 10% for the whole market. LMI (low- and moderate-income) borrowers took 29.2% of its loans, up from 19.5% five years before and a little above peers' 27.7%.
Questions the data can answer next
How are its FHA and manufactured-home loans priced against other lenders of those products in Arkansas?
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
1,573 loans in 2025, against a peak of 2,100 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Community Bank took 2,065 applications in 2025.
75.4% of its 2025 loans were purchase loans; 74.3% were Conventional.
Purchase 75.4% · Refinance 17.2% · Home improvement 6.0% · Other 1.5% Conventional 74.3% · FHA 20.0% · VA 3.2% · USDA (RHS or FSA) 2.5% · of 1,573 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
13 states, 19 metros, 86 counties
State
Loans
Share
Arkansas
1,415
90.0%
Missouri
126
8.0%
Kansas
11
0.7%
Oklahoma
9
0.6%
Texas
4
0.3%
Colorado
1
0.1%
Hawaii
1
0.1%
Kentucky
1
0.1%
Mississippi
1
0.1%
Nebraska
1
0.1%
Largest metro areas, 2025
Loans originated
Metro area
Loans
Little Rock-North Little Rock-Conway
387
Jonesboro
111
Joplin
100
Fayetteville-Springdale-Rogers
60
Fort Smith
20
Hot Springs
5
Memphis
5
Springfield
3
Blacksburg-Christiansburg-Radford
1
Dallas-Plano-Irving
1
Identifiers
LEI (Legal Entity Identifier, the global company code HMDA has used since 2018)
549300IEIM2IT5YK4368
2018–2025
RSSD (the Federal Reserve's identifier for banks and their parents)
2596646
2010–2023
Respondent ID (the HMDA filer code before 2018)
334533
2008–2017
Established 4 August 1997. Reported under HMDA 2008-2025.
First Community Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.