Applications / Mortgage Analytics / Lenders / Arkansas / Diamond Bank
Murfreesboro, AR · State member bank · FRS · $932 million assets · 216 loans in 2025
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216
loans originated, 2025
270
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Diamond Bank, an Arkansas home-purchase lender, gained ground in Texarkana in 2025, where its share rose to 2.8% from 0.7%.
In Texarkana, AR-TX its share rose to 2.8% from 0.7%, ranking 11 of 198; Mortgage Financial Services leads. In Hot Springs, AR it ranked 15 of 240, with 1.6%, up from 1.3%. Its largest market is non-metro Arkansas, where it ranked 47 of 459.
Home purchases made up 59.7% of its loans and refinances 27.3%, all conventional. Its typical loan, $120,000, was smaller than at nearly nine in ten similar lenders (state member banks making between half and twice as many loans), where it was $185,000. But it was up from $85,000 in 2024, and its dollar total rose to $45.5 million from $29.0 million.
Its count rose 1% to 216, against 8% at similar lenders and 10% for the whole market. It made 166 loans in 2023, down from 313 in 2020, and has since recovered part of that ground.
Low- and moderate-income (LMI) borrowers took 26.6% of its loans and LMI neighborhoods 13.4%, against 28.6% and 16.2% at similar lenders. Its mostly non-metro markets may be one reason. Majority-minority neighborhoods took 11.6%, against 4.9%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Diamond Bank took 270 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.7% · Refinance 27.3% · Home improvement 8.8% · Other 4.2%
Conventional 100.0% · of 216 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 | 188 | 87.0% |
| Texas | 27 | 12.5% |
| Oklahoma | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Texarkana | 44 |
| Hot Springs | 27 |
| Dallas-Plano-Irving | 1 |
| Fayetteville-Springdale-Rogers | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Little Rock-North Little Rock-Conway | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900YY36UO9MBPH808 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 27847 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31527 | 2008–2012 |
| Respondent ID (the HMDA filer code before 2018) | 227847 | 2013–2017 |
Established 16 December 1904. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Diamond Bank's data.
Diamond Bank's data
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