Third in Jonesboro
In Jonesboro, AR, a market it has served since 2007, it ranked 3 of 193 lenders with 3.9% of the market, up from 2.9%. Only Arvest Bank and First Community Bank ranked higher. In non-metro Arkansas it ranked 46 of 459.
Applications / Mortgage Analytics / Lenders / Missouri / Focus Bank
Focus Bank
Charleston, MO · State non-member bank · FDIC · $881 million assets · 258 loans in 2025
Focus Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
258
loans originated, 2025
323
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Focus Bank, based in Missouri, does most of its business in Arkansas, where it climbed to third place in Jonesboro in 2025.
Faster growth than most
Originations rose 19% to 258, against 9% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market, faster than at about seven in ten of them. It still made fewer loans than the 325 of 2020. In 2025 it first lent in Tuscaloosa, Jefferson City and Topeka.
Smaller loans, more manufactured homes
Its typical loan was $125,000, against $175,000 at peers, smaller than at about four in five of them. Manufactured homes made up 7.4% of its loans, against 2.4% at peers, and home improvement 14.0%; both may account for some of the gap.
Fewer poorer borrowers
Low- and moderate-income (LMI) borrowers took 21.3% of its loans, against 28.1% at peers. Its share in LMI areas fell to 14.7% from 20.8% in 2024, below peers' 17.3%. The incomes of the markets it serves, spread over six states, are one possible reason.
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
258 loans in 2025, against a peak of 383 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Focus Bank took 323 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
49.2% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 49.2% · Refinance 30.2% · Home improvement 14.0% · Other 6.6%
Conventional 100.0% · of 258 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
6 states, 9 metros, 28 counties
| State | Loans | Share |
|---|---|---|
| Arkansas | 194 | 75.2% |
| Missouri | 60 | 23.3% |
| Alabama | 1 | 0.4% |
| Kansas | 1 | 0.4% |
| Kentucky | 1 | 0.4% |
| Virginia | 1 | 0.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Jonesboro | 65 |
| Cape Girardeau | 4 |
| St. Louis | 4 |
| Little Rock-North Little Rock-Conway | 3 |
| Fayetteville-Springdale-Rogers | 1 |
| Jefferson City | 1 |
| Kingsport-Bristol | 1 |
| Topeka | 1 |
| Tuscaloosa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490000VM5YTLF4NM50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 498148 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31426 | 2007–2017 |
Established 1 January 1930. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Focus Bank's data.
The data and the software behind these pages
Focus Bank's data
$215
Focus 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 Focus 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]