First Community Bank
First Community Bank received 2,063 applications in 2025 and made 1,573 mortgages, in 96 counties across 17 states. The median rate its borrowers got was 6.990% on a median loan of $165,000. Of 1,684 decisions, 108 were denials — 6.4%, most often for credit history.
| Legal Entity Identifier | 549300IEIM2IT5YK4368 |
|---|---|
| Applications received | 2,063 |
| Mortgages made | 1,573 |
| Denied | 108 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 379 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2845 points |
| FDIC-insured bank | Yes: First Community Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,186 | 6.750% | $175,000 | 3.1% |
| Refinancing | 209 | 7.500% | $175,000 | 11.1% |
| Cash-out refinancing | 61 | 6.625% | $175,000 | 29.9% |
| Other purposes | 117 | 8.500% | $55,000 | 13.3% |
Where First Community Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| White County, AR | 248 | 6.625% | 4.6% |
| Independence County, AR | 235 | 6.990% | 6.7% |
| Pulaski County, AR | 168 | 7.800% | 1.8% |
| Faulkner County, AR | 124 | 6.495% | 6.1% |
| Craighead County, AR | 102 | 6.813% | 7.3% |
| Sharp County, AR | 67 | 6.875% | 11.8% |
| Boone County, AR | 64 | 7.625% | 4.5% |
| Newton County, MO | 60 | 6.933% | 10.5% |
| Lonoke County, AR | 58 | 6.495% | 3.3% |
| Washington County, AR | 39 | 7.375% | 2.5% |
| Baxter County, AR | 35 | 7.700% | 2.8% |
| Jasper County, MO | 35 | 6.625% | 10.3% |
| Saline County, AR | 33 | 6.375% | 2.9% |
| Jackson County, AR | 31 | 8.380% | 6.1% |
| McDonald County, MO | 22 | 7.370% | 12.0% |
| Benton County, AR | 20 | 7.188% | 4.8% |
| Sebastian County, AR | 20 | 8.250% | 0.0% |
| Cleburne County, AR | 18 | 7.188% | 10.0% |
| Izard County, AR | 16 | 6.808% | 5.9% |
| Marion County, AR | 12 | 8.055% | 0.0% |
| Jefferson County, AR | 10 | 5.995% | 9.1% |
| Lawrence County, AR | 10 | 7.355% | 9.1% |
| Newton County, AR | 10 | 7.870% | 9.1% |
| Poinsett County, AR | 9 | Under 10 loans | 0.0% |
| Conway County, AR | 8 | Under 10 loans | 20.0% |
| Greene County, AR | 8 | Under 10 loans | 20.0% |
| Stone County, AR | 7 | Under 10 loans | 0.0% |
| Pope County, AR | 6 | Under 10 loans | 14.3% |
| Fulton County, AR | 5 | Under 10 loans | 16.7% |
| Garland County, AR | 5 | Under 10 loans | 28.6% |
| Phillips County, AR | 5 | Under 10 loans | 0.0% |
| Cherokee County, KS | 5 | Under 10 loans | 28.6% |
| Ottawa County, OK | 5 | Under 10 loans | 0.0% |
| Crittenden County, AR | 4 | Under 10 loans | 0.0% |
| Van Buren County, AR | 4 | Under 10 loans | 20.0% |
| Mississippi County, AR | 3 | Under 10 loans | 40.0% |
| Perry County, AR | 3 | Under 10 loans | 0.0% |
| Prairie County, AR | 3 | Under 10 loans | 0.0% |
| Randolph County, AR | 3 | Under 10 loans | 0.0% |
| Crawford County, KS | 3 | Under 10 loans | 25.0% |
| Barry County, MO | 3 | Under 10 loans | 0.0% |
| Columbia County, AR | 2 | Under 10 loans | 0.0% |
| Greene County, MO | 2 | Under 10 loans | 0.0% |
| Arkansas County, AR | 1 | Under 10 loans | 0.0% |
| Ashley County, AR | 1 | Under 10 loans | 0.0% |
| Carroll County, AR | 1 | Under 10 loans | 50.0% |
| Clark County, AR | 1 | Under 10 loans | 0.0% |
| Clay County, AR | 1 | Under 10 loans | 0.0% |
| Cross County, AR | 1 | Under 10 loans | 0.0% |
| Desha County, AR | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.