Applications / Mortgage Analytics / Lenders / Arkansas / Gateway Bank
Rison, AR · State member bank · FRS · $173 million assets · 54 loans in 2025
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54
loans originated, 2025
56
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Gateway Bank, of Rison, Arkansas, makes nearly half its home loans in majority-minority neighborhoods, a far higher share than similar banks.
It made 46.3% of its 54 loans in 2025 in majority-minority neighborhoods, against 6.9% at similar lenders, banks of the same type making between half and twice as many loans. Few of them reach that share. It also made 31.5% of its loans in low- and moderate-income neighborhoods, against 17.4% at its peers.
Its loans fell 32% in 2025, from 79 to 54, while its peers grew 8%. But 2023, when it made 143, was the exception: it made 55 in 2018 and 37 in 2019. It filed no report for 2020 to 2022, when small banks need not file. Purchases made up 79.6% of its loans, all conventional, and its typical loan was $145,000, against $185,000 at its peers.
Its share in Little Rock-North Little Rock-Conway slipped to 0.1% from 0.2%, perhaps because it lent more in Hot Springs, where its share rose to 0.5% from 0.0%, ranking it 46th of 240 lenders there. Arvest Bank led both markets. The bank took the name Gateway Bank in 2015 and first reported in 2016.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Gateway Bank took 56 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.6% · Refinance 14.8% · Home improvement 5.6%
Conventional 100.0% · of 54 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 | 54 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Little Rock-North Little Rock-Conway | 27 |
| Hot Springs | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RP4LE08QWSLQ50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 733540 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38730 | 2016–2017 |
Established 1 January 1932. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Gateway Bank's data.
Gateway Bank's data
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