Applications / Mortgage Analytics / Lenders / Arkansas / Fidelity Bank
West Memphis, AR · State member bank · FRS · $553 million assets · 30 loans in 2025
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30
loans originated, 2025
33
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fidelity Bank, based in West Memphis, Arkansas, has reported home lending since 1990, but it made only 30 loans in 2025, down from 51.
Its originations fell 41%. Similar lenders, state member banks making between half and twice as many loans, slipped 2% at the middle of the group, and the whole market grew 10%. It fell further than more than nine in ten of them. The slide is not new: it made 69 loans in 2018. It filed no report for 2020, 2021 or 2022, when small banks need not report; those are gaps, not years without lending.
Home improvement made up 40.0% of its loans, more than purchases at 30.0%. That mix is one plausible reason its typical loan was $75,000, against $210,000 for similar lenders, smaller than almost all of them.
Low- and moderate-income (LMI) neighborhoods received 53.3% of its loans, against 17.1% for similar lenders, a higher share than almost any of them. The figure rests on few loans, but it was 60.0% a year earlier too.
The bank has filed since 1990. It took its present name in 2019, when it also changed its charter. In 2025 it made its first loans in Jacksonville, Florida, and Hattiesburg, Mississippi.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Fidelity Bank took 33 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 40.0% · Purchase 30.0% · Refinance 20.0% · Other 10.0%
Conventional 100.0% · of 30 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 | 28 | 93.3% |
| Florida | 1 | 3.3% |
| Mississippi | 1 | 3.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Memphis | 25 |
| Hattiesburg | 1 |
| Jacksonville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GDAFL5HNJKDR03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 848248 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115608 | 1990–2017 |
Established 4 November 1966. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Fidelity Bank's data.
Fidelity Bank's data
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