Applications / Mortgage Analytics / Lenders / Arkansas / Horatio State Bank
Horatio, AR · State non-member bank · FDIC · $311 million assets · 162 loans in 2025
Horatio State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
162
loans originated, 2025
190
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Horatio State Bank, of Arkansas, makes very small loans, and nearly a quarter of them are on manufactured homes.
Manufactured homes made up 22.8% of its loans, against 2.7% at similar lenders (state non-member banks making between half and twice as many loans), more than at nine in ten. Its typical loan, $65,000, was among the lowest of its peers, whose typical loan was $175,000. Small loans help explain why its dollar total, $16.3 million, is lower than most.
Its share of Texarkana rose from 1.3% to 1.5%, ranking it 18 of 198 lenders. Mortgage Financial Services leads there. It has reported in the market since 2017.
Its loans fell 3% to 162, while similar lenders grew 10%. But its count has stayed between 147 and 202 a year since 2018, so 2025 sits in its usual range.
Majority-minority neighborhoods took 20.4% of its loans, more than at about three in four similar lenders. Low- and moderate-income (LMI) neighborhoods took 3.1%, among the lowest. That may reflect the make-up of the counties it serves. Its share of LMI borrowers, 31.2%, was higher than at nearly two-thirds of peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Horatio State Bank took 190 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 49.4% · Refinance 40.7% · Home improvement 8.0% · Other 1.9%
Conventional 100.0% · of 162 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 | 155 | 95.7% |
| Oklahoma | 4 | 2.5% |
| Texas | 3 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Texarkana | 56 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006ZPOXWU5V4FT07 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 458142 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3109 | 2017–2017 |
Established 5 May 1905. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Horatio State Bank's data.
Horatio State Bank's data
$215
Horatio State 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 Horatio State 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]