Applications / Mortgage Analytics / Lenders / Arkansas / First Financial Bank
El Dorado, AR · State member bank · FRS · $1.9 billion assets · 437 loans in 2025
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437
loans originated, 2025
566
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Financial Bank, an Arkansas purchase lender, makes government-backed loans far more often than similar banks, and its loans rose 30% in 2025.
It made 437 loans, up 30% from 337, while similar lenders (state member banks making between half and twice as many loans) grew 6% and the whole market 10%. That was faster than at more than four in five of them. Home purchases were 78.7% of its loans.
Loans insured by the Federal Housing Administration (FHA) were 21.5% of its lending and those guaranteed by the Department of Veterans Affairs (VA) 7.6%. Each share was higher than at nine in ten similar banks, where the typical loan book is entirely conventional. Its typical rate, 6.62%, was close to peers' 6.75%, and its purchase denial rate, 6.1%, was lower than their 7.3%.
In Jonesboro it ranks 12 of 193 lenders, with 2.4% of the market, up from 2.1%; Arvest Bank leads. In Fort Smith it ranks 13 of 241, with an unchanged 2.1%. Its share in Fayetteville-Springdale-Rogers also rose. It has lent in most of these markets since its first report in 1995.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Financial Bank took 566 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 78.7% · Refinance 19.7% · Other 1.1% · Home improvement 0.5%
Conventional 66.8% · FHA 21.5% · VA 7.6% · USDA (RHS or FSA) 4.1% · of 437 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 | 387 | 88.6% |
| Mississippi | 22 | 5.0% |
| Oklahoma | 15 | 3.4% |
| Texas | 4 | 0.9% |
| Alabama | 2 | 0.5% |
| Louisiana | 2 | 0.5% |
| Florida | 1 | 0.2% |
| Indiana | 1 | 0.2% |
| Missouri | 1 | 0.2% |
| New Hampshire | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Smith | 95 |
| Jonesboro | 74 |
| Fayetteville-Springdale-Rogers | 51 |
| Little Rock-North Little Rock-Conway | 39 |
| Jackson | 4 |
| Memphis | 4 |
| Dallas-Plano-Irving | 2 |
| Houston-Pasadena-The Woodlands | 2 |
| Fort Wayne | 1 |
| Hot Springs | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900CNZPI5WN45KW48 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 48374 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 42597 | 1995–1998 |
| Respondent ID (the HMDA filer code before 2018) | 248374 | 1999–2017 |
Established 1 April 1934. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: First Financial Bank's data.
First Financial Bank's data
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First Financial 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.
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