The First National Bank of Fort Smith: 2025 mortgage rates, costs & approvals
How The First National Bank of Fort Smith priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: The First National Bank of Fort Smith · LEI 549300BREPLU2KKPI102
In 2025, The First National Bank of Fort Smith originated 279 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 4 states — 1022nd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.49% (all lenders: 6.625%); its median rate spread was 19 basis points below the national median. Median conventional loan costs were $3,560, 36% lower than the national median ($5,570).
It denied 5.9% of completed home-purchase applications (all lenders: 8.5%).
How The First National Bank of Fort Smith priced home-purchase loans
| Purchase loans, 2025 | The First National Bank of Fort Smith | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.490% | 6.625% |
| 30-year fixed rate · FHA | 5.990% | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | −0.06 pts | +0.13 pts |
| Total loan costs · conventional | $3,560 | $5,570 |
| Total loan costs · FHA | $7,640 | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $1,400 | $1,860 |
| Borrowers paying discount points | 35.6% | 51.3% |
| Points paid, when paid (% of loan) | 0.64% | 0.87% |
| Borrowers receiving lender credits | 27.3% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where The First National Bank of Fort Smith lends
Counties where The First National Bank of Fort Smith is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Le Flore County, OK | 7 | 17 | 4.3% |
| Sebastian County, AR | 9 | 49 | 3.5% |
| Sequoyah County, OK | 8 | 12 | 2.7% |
| Van Buren County, AR | 13 | 4 | 2.1% |
| Crawford County, AR | 14 | 16 | 2.0% |
| Bradley County, AR | 10 | 1 | 2.0% |
| Carter County, MO | 13 | 1 | 2.0% |
| Franklin County, AR | 14 | 4 | 1.9% |
| Montgomery County, AR | 11 | 1 | 1.5% |
| Madison County, AR | 16 | 3 | 1.4% |
| McDonald County, MO | 14 | 3 | 1.4% |
| Faulkner County, AR | 17 | 25 | 1.3% |
| Washington County, AR | 18 | 47 | 1.3% |
| Benton County, AR | 23 | 73 | 1.1% |
Check The First National Bank of Fort Smith yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300BREPLU2KKPI102.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from The First National Bank of Fort Smith with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology