Applications / Mortgage Analytics / Lenders / Arkansas / First Arkansas Bank and Trust
Jacksonville, AR · State non-member bank · FDIC · $1.2 billion assets · 102 loans in 2025
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102
loans originated, 2025
105
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Arkansas Bank and Trust, a Jacksonville bank, has become an all-conventional purchase lender, far smaller than it was in 2020.
In 2020 only 80.7% of its loans were conventional; the rest were government-backed, chiefly VA loans (guaranteed by the Department of Veterans Affairs), at 10.7%. In 2024 and 2025 every loan was conventional, like those of similar lenders (banks of the same type making between half and twice as many loans).
Purchases made up 81.4% of its loans in 2025. It made 102 loans, up 26%, against 9% at similar lenders, faster than at about seven in ten of them. That is still far below the 383 it made in 2020. The fall since may reflect a slowdown in refinancing or its move out of government-backed lending; the data do not say which.
Of its loans, 32.4% were in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 18.3% at peers, higher than at more than four in five, and up from 21.0% in 2024. Yet only 16.7% of its borrowers had low or moderate incomes, against 27.4% at peers, which may follow from its loan size: its typical loan, $225,000, was above peers' $175,000.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Arkansas Bank and Trust took 105 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.4% · Refinance 14.7% · Home improvement 2.9% · Other 1.0%
Conventional 100.0% · of 102 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 | 102 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Little Rock-North Little Rock-Conway | 83 |
| Fayetteville-Springdale-Rogers | 1 |
| Hot Springs | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007BBMW58UQT5588 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 466240 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316849 | 1990–2017 |
Established 5 November 1949. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Arkansas Bank and Trust's data.
First Arkansas Bank and Trust's data
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First Arkansas Bank and Trust 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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