A sharp rebound
It made 105 loans, up from 66, while similar lenders (state non-member banks making between half and twice as many loans) grew 9%. That puts it back near the 106 of 2020, though still short of the 155 of 2022.
Applications / Mortgage Analytics / Lenders / Arkansas / Farmers Bank
Farmers Bank
Greenwood, AR · State non-member bank · FDIC · $288 million assets · 105 loans in 2025
Farmers Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
105
loans originated, 2025
134
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers Bank, a Fort Smith lender, raised its loan count by 59% in 2025, to 105, faster than about nine in ten similar banks, and took a bigger slice of its home market.
Gaining ground in Fort Smith
In Fort Smith, where it has lent since at least 1990, its share rose from 0.9% to 1.5% and it ranked 17 of 241. Arvest Bank led there. It also lends in rural Arkansas and Oklahoma, and made its first loans in Denver-Aurora-Centennial in 2025.
Small loans, varied purposes
Purchases took 46.7% of its loans and refinances 30.5%; the rest went on home improvement and other purposes. Manufactured homes took 8.6%, against 3.2% at similar lenders. Its typical loan was $125,000, smaller than at about four in five of them, where it was $175,000. Its home-improvement and other-purpose loans may account for part of that.
Few loans in poorer neighborhoods
Borrowers with low and moderate incomes took 26.9% of its loans, close to the 27.7% at similar lenders. Poorer neighborhoods (low- and moderate-income, or LMI, areas) took 8.6%, against 18.3%, though up from 1.5% in 2024. The parts of its 11 counties where it lends may hold few such areas.
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
105 loans in 2025, against a peak of 155 in 2022.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Farmers Bank took 134 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
46.7% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 46.7% · Refinance 30.5% · Other 12.4% · Home improvement 10.5%
Conventional 100.0% · of 105 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
3 states, 4 metros, 11 counties
| State | Loans | Share |
|---|---|---|
| Arkansas | 97 | 92.4% |
| Oklahoma | 7 | 6.7% |
| Colorado | 1 | 1.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Fort Smith | 80 |
| Little Rock-North Little Rock-Conway | 2 |
| Denver-Aurora-Centennial | 1 |
| Fayetteville-Springdale-Rogers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003L2LYA333BZY52 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 325141 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31296 | 1990–2017 |
Established 1 August 1907. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Farmers Bank's data.
The data and the software behind these pages
Farmers Bank's data
$215
Farmers 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 Farmers 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]