A big gain in Little Rock
Its share of Little Rock-North Little Rock-Conway lending rose 3.1 points to 5.7%, its home market since before 1990. It also ranked 9 of 459 lenders in non-metro Arkansas and entered Wilmington, NC in 2025 with 0.7%.
Applications / Mortgage Analytics / Lenders / Arkansas / First Security Bank
First Security Bank
Searcy, AR · State member bank · FRS · $8.4 billion assets · 1,556 loans in 2025
First Security Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1,556
loans originated, 2025
1,870
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Security Bank is an Arkansas bank that nearly doubled its lending in dollars in 2025 and ranks 2 of 423 lenders in Little Rock-North Little Rock-Conway, behind Arvest Bank.
Growth ahead of peers
Originations rose 17% to 1,556, against 8% at similar lenders (state member banks making between half and twice as many loans) and 10% for the whole market. The amount it lent rose to $510.9 million from $262.0 million while its typical loan moved only to $155,000 from $145,000, so a small number of large loans may account for much of the dollar gain. It made 2,705 loans in 2020.
More government-backed lending
FHA loans (insured by the Federal Housing Administration) were 4.6% of its lending, against 1.8% at peers; RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) were 2.2%, against 0.1%, higher than more than nine in ten similar lenders. Home purchases were 52.1% of its loans.
Fewer applications turned down
It turned down 4.9% of first-lien home-purchase applications on owner-occupied homes, against 7.3% at similar lenders, and 10.9% of refinance applications, against 13.5%.
Questions the data can answer next
- Which counties account for its Little Rock gain, and which lenders lost share there?
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
1,556 loans in 2025, against a peak of 2,705 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Security Bank took 1,870 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
52.1% of its 2025 loans were purchase loans; 92.1% were Conventional.
Purchase 52.1% · Refinance 20.4% · Home improvement 15.9% · Other 11.6%
Conventional 92.1% · FHA 4.6% · USDA (RHS or FSA) 2.2% · VA 1.0% · of 1,556 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
7 states, 12 metros, 53 counties
| State | Loans | Share |
|---|---|---|
| Arkansas | 1,534 | 98.6% |
| Florida | 12 | 0.8% |
| Oklahoma | 5 | 0.3% |
| Colorado | 1 | 0.1% |
| Montana | 1 | 0.1% |
| North Carolina | 1 | 0.1% |
| Tennessee | 1 | 0.1% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Little Rock-North Little Rock-Conway | 682 |
| Fayetteville-Springdale-Rogers | 224 |
| Hot Springs | 65 |
| Jonesboro | 39 |
| Fort Smith | 31 |
| Crestview-Fort Walton Beach-Destin | 11 |
| Billings | 1 |
| Memphis | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
| Oklahoma City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900561K135J92VD38 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 673440 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35633 | 1997–2017 |
Established 6 February 1932. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: First Security Bank's data.
The data and the software behind these pages
First Security Bank's data
$215
First Security 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.
Buy First Security Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
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.
Get JennerQuestions, or the data and Jenner together: [email protected]