Applications / Mortgage Analytics / Lenders / Arkansas / Union Bank
Mena, AR · State member bank · FRS · 448 loans in 2025
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448
loans originated, 2025
454
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Union Bank, a rural Arkansas lender that first appeared in the public HMDA record in 2024, raised its lending by more than half in 2025, far faster than similar banks.
Union Bank made 448 loans in 2025, up 54% from 291 in 2024, its first reported year. Similar lenders, state member banks making between half and twice as many loans, grew 6%, and the market grew 10%. Its growth was faster than at more than nine in ten of them. With only two years on record, there is no longer trend to judge it against.
Its biggest market is non-metro Arkansas, where it ranks 10 of 459 lenders in only its second year of reports. It lends in 21 counties across two states. In the metro areas it serves, its shares are small.
The typical loan was $115,000, against $195,000 at similar lenders. Manufactured homes made up 8.3% of its loans, against 1.4%, a higher share than at more than four in five peers. So it made more loans than the typical peer, 448 against 388, but lent less money: $69.1 million against $125.7 million. About a fifth of its loans were for home improvement or other purposes, at 10.7% and 9.8%.
It turned down 3.0% of decided applications to buy a home, against 7.2% at similar lenders, lower than at more than four in five of them. Every loan it made was conventional.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Union Bank took 454 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 46.0% · Refinance 33.5% · Home improvement 10.7% · Other 9.8%
Conventional 100.0% · of 448 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 | 440 | 98.2% |
| Oklahoma | 8 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Smith | 7 |
| Fayetteville-Springdale-Rogers | 3 |
| Hot Springs | 3 |
| Little Rock-North Little Rock-Conway | 2 |
| Texarkana | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XDI51NPWZM0N29 | 2024–2025 |
Established 25 July 1934. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Union Bank's data.
Union Bank's data
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Union Bank 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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