# First Community Bank

> **Canonical URL:** https://saferate.com/lenders/first-community-bank-ar


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First Community Bank is a bank, headquartered in Batesville, AR, serving borrowers across 9 states, with 768 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 68% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300IEIM2IT5YK4368
- **Headquarters:** Batesville, AR
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** AR, IL, KS, MN, MO, MS, OK, TN, TX
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.280%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,919
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 768
- **Dollar Volume:** $174 million
- **Applications Received:** 1,110
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $226,680
- **Average Borrower Income:** $108,180
- **Average Property Value:** $293,307

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 463 | +0.355% | $3,009 | Strong 😀 |
| FHA | 74/100 | 218 | +0.280% | $2,908 | Strong 😀 |
| VA | 67/100 | 53 | -0.347% | $2,377 | Strong 😀 |
| USDA | 78/100 | 32 | +0.149% | $2,540 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 348 loans, Score: 67/100 (Strong)
- Refinance: 115 loans, Score: 71/100 (Strong)

**FHA:**
- Purchase: 200 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 50 loans, Score: 67/100 (Strong)

**USDA:**
- Purchase: 32 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 70/100 | 632 | $147M | +0.252% | Strong 😀 |
| Refinance | 72/100 | 136 | $27M | +0.393% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AR | 684 | 2.12% | 90/100 |
| MO | 71 | 0.09% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 427 | 74/100 |
| Little Rock | AR | 172 | 87/100 |
| Jonesboro, AR | AR | 70 | 95/100 |
| Joplin, MO | MO-KS | 52 | 65/100 |
| Fayetteville | AR | 33 | 57/100 |

## Where This Lender Ranks

First Community Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Jonesboro, AR for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Joplin, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Jonesboro, AR for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Jonesboro, AR for VA Loans
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/va-loans)
- 🏆 **#6** in Little Rock for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#6** in Joplin, MO Banks
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders/banks)
- 🏆 **#6** in Joplin, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders/fha-loans)
- 🏆 **#8** in Jonesboro, AR Banks
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/banks)
- 🏆 **#8** in Jonesboro, AR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Jonesboro, AR for FHA Loans
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/fha-loans)
- 🏆 **#8** in Joplin, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Arkansas for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/va-loans)
- 🏆 **#10** in Little Rock for USDA Loans
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/usda-loans)
- 🏆 **#11** in Little Rock for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#11** in Little Rock for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/va-loans)
- 🏆 **#13** in Jonesboro, AR
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders)
- 🏆 **#13** in Jonesboro, AR for Conventional Loans
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in Arkansas for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#14** in Little Rock for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in Joplin, MO
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does First Community Bank offer?

First Community Bank offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Community Bank offer mortgages?

First Community Bank offers mortgages in 9 states: AR, IL, KS, MN, MO, MS, OK, TN, TX.

### How competitive are First Community Bank's mortgage rates?

First Community Bank has a pricing score of 32/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.280% above market average.

### What type of lender is First Community Bank?

First Community Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Batesville, AR.

### What is First Community Bank's loan approval success rate?

First Community Bank has a pull-through score of 64/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-community-bank-ar

### How to Cite

> "First Community Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-community-bank-ar

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