Applications / Mortgage Analytics / Lenders / Arkansas / First State Bank
Lonoke, AR · State non-member bank · FDIC · $329 million assets · 64 loans in 2025
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64
loans originated, 2025
69
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First State Bank, based in Lonoke, Arkansas, lends mostly to buy homes, makes more jumbo loans (those larger than the conforming limit) than nearly nine in ten similar lenders, and grew its loans by 36% in 2025.
Its 64 loans were 36% more than the 47 of 2024, faster growth than about four in five similar lenders (state non-member banks making between half and twice as many loans), which grew by 9%. This is a recovery rather than a climb: it made 66 loans in 2019 and 41 in 2023, and filed no report for 2020 to 2022.
Purchases made up 75.0% of its loans, all conventional. Jumbo loans were 10.5% of the total, against 1.7% at similar lenders, close to its 9.5% of 2024. Its typical loan was $255,000, against $170,000.
Low- and moderate-income (LMI) borrowers received 26.3% of its loans, against 27.3% at similar lenders, and 17.2% were in LMI neighborhoods, against 18.8%. On both it sits near the middle of its peers.
Its largest markets are Fayetteville-Springdale-Rogers, Little Rock-North Little Rock-Conway and non-metro Arkansas, followed by Hot Springs and non-metro Missouri. It lends in 17 counties in two states.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. First State Bank took 69 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.0% · Refinance 21.9% · Other 3.1%
Conventional 100.0% · of 64 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 | 62 | 96.9% |
| Missouri | 2 | 3.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Little Rock-North Little Rock-Conway | 16 |
| Fayetteville-Springdale-Rogers | 15 |
| Hot Springs | 10 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DFQP4S0ZYOBT18 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 10849 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315050 | 1990–2017 |
Established 18 March 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First State Bank's data.
First State Bank's data
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