Lender in Arkansas · HMDA 2025
First Community Bank mortgages in Arkansas
First Community Bank's 2025 home-purchase and refinance lending in Arkansas, compared with all lenders in the state.
First Community Bank originated 817 owner-occupied single-family loans in Arkansas from 875 completed applications, making it the state's #9 lender by volume.
Its median conventional purchase loan costs were $4,500 versus $3,850 for all Arkansas lenders, at a median 30-year fixed rate of 6.50% (Arkansas: 6.625%).
Loans in AR
817
of 875 applications
Denial rate
2.7%
Purchase · AR 8.5%
Rate spread
+0.32 pts
Conv. · AR +0.17 pts
Loan amount
$195,000
Purchase · AR $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 699 | 677 | 2.7% | 6.500% | +0.32 pts | $4,500 | $195,000 |
| Refinance | 108 | 90 | 16.7% | 6.490% | +0.30 pts | $4,650 | $215,000 |
| Cash-out refinance | 68 | 50 | 26.5% | 6.875% | +0.41 pts | $4,600 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
Arkansas counties where First Community Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| White County | 1 | 167 | 16.0% |
| Independence County | 1 | 145 | 33.0% |
| Sharp County | 1 | 43 | 16.2% |
| Jackson County | 2 | 15 | 12.7% |
| Phillips County | 2 | 5 | 10.4% |
| Newton County | 4 | 4 | 6.0% |
| Marion County | 5 | 7 | 3.5% |
| Craighead County | 6 | 66 | 4.4% |
| Izard County | 6 | 10 | 5.7% |
| Lawrence County | 6 | 7 | 4.2% |
| Faulkner County | 7 | 79 | 4.0% |
| Boone County | 7 | 21 | 3.9% |
| Baxter County | 8 | 18 | 3.1% |
| Stone County | 8 | 3 | 2.7% |
| Cleburne County | 9 | 8 | 2.7% |
| Poinsett County | 9 | 7 | 2.7% |
| Prairie County | 9 | 2 | 2.9% |
| Lonoke County | 11 | 40 | 2.7% |
| Fulton County | 11 | 4 | 3.6% |
| Desha County | 12 | 1 | 2.2% |
| Lincoln County | 13 | 1 | 2.0% |
| Lee County | 14 | 1 | 4.3% |
| Columbia County | 15 | 2 | 1.2% |
| Jefferson County | 16 | 6 | 1.3% |
| Randolph County | 17 | 2 | 1.1% |
| Ashley County | 22 | 1 | 0.8% |
| Pulaski County | 24 | 68 | 1.4% |
| Searcy County | 25 | 1 | 1.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology