Applications / Mortgage Analytics / Lenders / Arkansas / First National Bank
Paragould, AR · National bank · OCC · $2.6 billion assets · 341 loans in 2025
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341
loans originated, 2025
412
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank, of Paragould, Arkansas, makes smaller loans than similar banks, many of them in poorer neighborhoods, and ranks sixth in Jonesboro.
Its typical loan was $145,000, against $205,000 at similar lenders (national banks making between half and twice as many loans), smaller than at about five in six. Low- and moderate-income (LMI) neighborhoods took 26.6% of its loans, against 15.5%, more than at nine in ten. Its share to LMI borrowers, 26.0%, matched peers'.
It has lent in Jonesboro since 1999 and ranked 6 of 193 lenders there in 2025, with 3.4% of the market, up from 3.0%. Arvest Bank leads. In non-metro Arkansas it ranked 29 of 459. Filings of banks it merged with in 2018 and 2021 count in these figures.
Purchases made up 56.3% of its loans, refinancing 23.8% and home improvement 12.0%. All were conventional. Because its loans are smaller, its dollar total, $82.2 million, trailed similar lenders' $94.1 million even though it made more loans.
Its loans rose 5% to 341, in line with similar lenders but behind the whole market's 10%. It made 750 loans in 2020, more than twice as many.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 National Bank took 412 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.3% · Refinance 23.8% · Home improvement 12.0% · Other 7.9%
Conventional 100.0% · of 341 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 | 280 | 82.1% |
| Tennessee | 59 | 17.3% |
| Missouri | 1 | 0.3% |
| Montana | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jonesboro | 80 |
| Nashville-Davidson--Murfreesboro--Franklin | 54 |
| Fayetteville-Springdale-Rogers | 28 |
| Little Rock-North Little Rock-Conway | 14 |
| Memphis | 3 |
| Hot Springs | 2 |
| Clarksville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003EW6T31TGECO83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 42448 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 110004 | 1999–2017 |
Established 22 March 1889. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: First National Bank's data.
First National Bank's data
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First National 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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