Applications / Mortgage Analytics / Lenders / Arkansas / Armor Bank
Forrest City, AR · State member bank · FRS · $482 million assets · 89 loans in 2025
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89
loans originated, 2025
92
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Armor Bank, an Arkansas home-purchase lender, makes most of its loans in poorer and majority-minority neighborhoods, far more than similar banks, though it made fewer loans in 2025.
Some 55.1% of its loans were in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 16.6% at similar lenders (state member banks making between half and twice as many loans). In majority-minority neighborhoods the share was 51.7%, against 5.6%. Both are higher than at nearly all similar lenders, and both rose from 2024.
Only 4.8% of its borrowers had low or moderate incomes, down from 15.8% and against 27.3% at peers, among the lowest twentieth. Its focus on home purchase, 57.3% of loans, may play a part. So may borrowers who earn more than their area's middle.
It made 89 loans, down 22% from 114, its highest reported year, while similar lenders grew 8%. Its lending, $29.5 million, was close to 2024's $30.9 million, as its typical loan rose to $155,000 from $125,000. It filed no report for 2020 to 2022, so those years are a gap in the record.
Its share fell in Little Rock-North Little Rock-Conway, to 0.4% from 0.5%; in Jonesboro, to 0.6% from 0.9%; and in Hot Springs, to 0.3% from 0.7%. That is in step with its lower volume. Arvest Bank led all three.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Armor Bank took 92 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.3% · Refinance 34.8% · Home improvement 5.6% · Other 2.2%
Conventional 100.0% · of 89 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 | 87 | 97.8% |
| Florida | 2 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Little Rock-North Little Rock-Conway | 46 |
| Jonesboro | 11 |
| Hot Springs | 7 |
| Fayetteville-Springdale-Rogers | 6 |
| Orlando-Kissimmee-Sanford | 1 |
| Sebastian-Vero Beach-West Vero Corridor | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003K6JB8F2ZMRI65 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 168571 | 2019–2023 |
Established 1 January 1919. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Armor Bank's data.
Armor Bank's data
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