Applications / Mortgage Analytics / Lenders / Arkansas / Central Bank
Little Rock, AR · State non-member bank · FDIC · $878 million assets · 91 loans in 2025
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91
loans originated, 2025
97
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Central Bank, an Arkansas lender, makes far more of its loans in poorer and majority-minority neighborhoods than banks of its size, and it is growing.
Low- and moderate-income (LMI) neighborhoods took 42.9% of its loans, against 18.2% at similar lenders (state non-member banks making between half and twice as many loans). That is more than at about nine in ten of them. Majority-minority neighborhoods took 36.3%, against 6.4%. Its lending centers on Little Rock, and the neighborhoods it serves there may account for much of that.
Its originations rose 20% to 91, against 9% at similar lenders. It lent $40.0 million, against $25.2 million at its peers. Purchases made up 74.7% of its lending.
In Little Rock-North Little Rock-Conway, where Arvest Bank leads, its share fell 0.1 points to 0.5%, ranking it 44 of 423 lenders. A few large loans either way, or faster growth by rivals, could explain that. In Hot Springs its share rose to 0.5%, ranking it 48 of 240.
It lent in 17 counties across five states in 2025. It made its first loans in Jonesboro and in Longview that year.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Central Bank took 97 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.7% · Refinance 18.7% · Home improvement 3.3% · Other 3.3%
Conventional 100.0% · of 91 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 | 86 | 94.5% |
| Missouri | 2 | 2.2% |
| Georgia | 1 | 1.1% |
| Tennessee | 1 | 1.1% |
| Texas | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Little Rock-North Little Rock-Conway | 62 |
| Fayetteville-Springdale-Rogers | 13 |
| Hot Springs | 2 |
| Jonesboro | 2 |
| Longview | 1 |
| Marietta | 1 |
| Memphis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008ETVHBTJEF0O91 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3488579 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31756 | 2008–2017 |
Established 12 August 1912. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Central Bank's data.
Central Bank's data
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Central 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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