Applications / Mortgage Analytics / Lenders / Arkansas / Bank of 1889
Berryville, AR · State member bank · FRS · $331 million assets · 177 loans in 2025
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177
loans originated, 2025
193
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of 1889, an Arkansas state bank, does more refinancing than home buying and lends on manufactured homes far more than banks like it, so its loans run small.
Refinancing made up 40.7% of its loans and purchases 36.2%; the rest went on home improvement and other purposes. Manufactured homes took 13.0%, more than at nine in ten similar lenders (state member banks making between half and twice as many loans), where the typical share is 2.2%.
Its typical loan was $115,000, against $175,000 at similar lenders, lower than at almost nine in ten of them. Its home-improvement, other-purpose and manufactured-home loans may account for much of the gap. The typical loan has grown, from $65,000 in 2020 and $95,000 a year earlier.
It made 177 loans, up 4% from 171. Similar lenders grew 7% and the whole market 10%. Its count has stayed between 147 and 213 loans a year since 2018, with no great surge in 2020 or 2021.
Low- and moderate-income (LMI) neighborhoods took 19.8% of its loans, up from 12.5% in 2020. That is more than at about three in five similar lenders, where the typical share is 16.4%. Its share to LMI borrowers, 26.5%, is close to the typical 28.6%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of 1889 took 193 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 40.7% · Purchase 36.2% · Other 11.9% · Home improvement 11.3%
Conventional 100.0% · of 177 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 | 166 | 93.8% |
| Missouri | 11 | 6.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fayetteville-Springdale-Rogers | 18 |
| Little Rock-North Little Rock-Conway | 10 |
| Jonesboro | 1 |
| Joplin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000LJB0L73TDJT41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 864846 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 110406 | 2004–2017 |
Established 18 February 1889. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Bank of 1889's data.
Bank of 1889's data
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