Lenders › First State Bank › Arkansas
First State Bank in Arkansas
HMDA record for properties in Arkansas, calendar year 2024. National record · Arkansas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Arkansas, First State Bank reported 109 applications and 103 originations for 2024, $29m in all.
Its denial rate in the state was 3.7%, below the Arkansas rate of 25.0% across all lenders and compared with the lender's national rate of 3.7%.
Applications in the state were up 11% on 2023.
Compared with the state and the lender's national record
| Measure | In Arkansas | Arkansas, all lenders | First State Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 3.7% | 25.0% | 3.7% | 24.3% |
| Median rate spread, pp | — | 0.4 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 17.6% | — | 15.6% |
| Average originated loan | $280k | $220k | $286k | $329k |
| Home purchase share | 57.3% | 60.8% | 57.7% | 57.0% |
| FHA-insured share | 0.0% | 15.3% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateArkansas, all lenders
Loan purpose and loan type in Arkansas
By purpose
Home purchase 57% (59)Home improvement 6% (6)Refinancing 33% (34)Other purpose 4% (4)
By type
Conventional 100% (103)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Arkansas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Pope County | 61 | 57 | $12m | 3.4% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First State Bank originate in Arkansas in 2024?
103 loans totalling $29m, from 109 applications reported for properties in Arkansas.
What is First State Bank's denial rate in Arkansas?
3.7% of decided applications in Arkansas were denied, against 25.0% for all lenders in the state and 3.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Arkansas counties does First State Bank lend in most?
By originations: Pope County (57).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Arkansas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.