Applications / Mortgage Analytics / Lenders / Arkansas / Relyance Bank
White Hall, AR · State member bank · FRS · $1.5 billion assets · 75 loans in 2025
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75
loans originated, 2025
99
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Relyance Bank, an Arkansas bank that has reported home loans since at least 1990, makes far fewer of them than it did, but lends more often in majority-minority neighborhoods than most similar lenders.
The bank made 75 home loans in 2025, against 210 in 2018 and 195 in 2020. The count steadied last year, rising 6%, a little below the 9% of similar lenders (state member banks making between half and twice as many loans) and the 10% of the whole market. Nothing in the record says why the earlier decline happened.
Some 18.7% of its loans went to majority-minority neighborhoods, against 6.2% at the typical similar lender, a higher share than about three-quarters of them. That has held for years: the share was 22.5% in 2024. One plain explanation is the places it lends, mostly in Arkansas.
Its strongest market is Hot Springs, where it ranks 27 of 240 lenders with 0.9% of the dollars, down from 1.1%. With so few loans, a handful more or fewer moves that share; Arvest Bank leads there. In Little Rock it ranks 100 of 423. It gained a little ground in Fayetteville-Springdale-Rogers, and it has lent around Crestview-Fort Walton Beach-Destin, Florida, since 2021.
Purchases made up 58.7% of its loans and home improvement 16.0%. Its typical loan, $155,000, is smaller than the $175,000 at similar lenders, and every loan was conventional, with no government backing.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Relyance Bank took 99 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.7% · Refinance 21.3% · Home improvement 16.0% · Other 4.0%
Conventional 100.0% · of 75 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 | 73 | 97.3% |
| Florida | 1 | 1.3% |
| Texas | 1 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hot Springs | 24 |
| Little Rock-North Little Rock-Conway | 15 |
| Fayetteville-Springdale-Rogers | 2 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Dallas-Plano-Irving | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GCILEV6KJUST91 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 49241 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115482 | 1990–2017 |
Established 11 February 1965. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Relyance Bank's data.
Relyance Bank's data
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