Lender in Arkansas · HMDA 2025
The First National Bank of Fort Smith mortgages in Arkansas
The First National Bank of Fort Smith's 2025 home-purchase and refinance lending in Arkansas, compared with all lenders in the state.
The First National Bank of Fort Smith originated 241 owner-occupied single-family loans in Arkansas from 259 completed applications.
Its median conventional purchase loan costs were $3,520 versus $3,850 for all Arkansas lenders, at a median 30-year fixed rate of 6.49% (Arkansas: 6.625%).
Loans in AR
241
of 259 applications
Denial rate
3.5%
Purchase · AR 8.5%
Rate spread
−0.06 pts
Conv. · AR +0.17 pts
Loan amount
$295,000
Purchase · AR $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 232 | 221 | 3.5% | 6.490% | −0.06 pts | $3,520 | $295,000 |
| Refinance | 20 | 15 | 20.0% | — | — | — | — |
| Cash-out refinance | 7 | 5 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Arkansas counties where The First National Bank of Fort Smith ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sebastian County | 9 | 49 | 3.5% |
| Bradley County | 10 | 1 | 2.0% |
| Montgomery County | 11 | 1 | 1.5% |
| Van Buren County | 13 | 4 | 2.1% |
| Crawford County | 14 | 16 | 2.0% |
| Franklin County | 14 | 4 | 1.9% |
| Madison County | 16 | 3 | 1.4% |
| Faulkner County | 17 | 25 | 1.3% |
| Washington County | 18 | 47 | 1.3% |
| Benton County | 23 | 73 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology