The First National Bank of Fort Smith
The First National Bank of Fort Smith received 669 applications in 2025 and made 512 mortgages, in 42 counties across 6 states. The median rate its borrowers got was 6.750% on a median loan of $205,000. Of 557 decisions, 40 were denials — 7.2%, most often for credit history. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300BREPLU2KKPI102 |
|---|---|
| Applications received | 669 |
| Mortgages made | 512 |
| Denied | 40 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 112 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.07 points |
| FDIC-insured bank | Yes: The First National Bank of Fort Smith, 26 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 396 | 6.500% | $245,000 | 4.3% |
| Refinancing | 63 | 7.250% | $105,000 | 9.9% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Other purposes | 45 | 7.250% | $55,000 | 22.4% |
Where The First National Bank of Fort Smith lends most
The 42 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Benton County, AR | 123 | 6.750% | 5.3% |
| Sebastian County, AR | 99 | 6.625% | 5.7% |
| Washington County, AR | 62 | 6.500% | 3.0% |
| Sequoyah County, OK | 58 | 7.500% | 12.1% |
| Le Flore County, OK | 55 | 6.950% | 11.3% |
| Faulkner County, AR | 27 | 6.375% | 3.5% |
| Crawford County, AR | 21 | 6.375% | 8.7% |
| Lonoke County, AR | 9 | Under 10 loans | 0.0% |
| Pulaski County, AR | 9 | Under 10 loans | 9.1% |
| Franklin County, AR | 6 | Under 10 loans | 25.0% |
| Van Buren County, AR | 5 | Under 10 loans | 28.6% |
| Madison County, AR | 3 | Under 10 loans | 0.0% |
| McDonald County, MO | 3 | Under 10 loans | 0.0% |
| Carroll County, AR | 2 | Under 10 loans | 33.3% |
| Logan County, AR | 2 | Under 10 loans | 0.0% |
| Montgomery County, AR | 2 | Under 10 loans | 0.0% |
| Pope County, AR | 2 | Under 10 loans | 0.0% |
| White County, AR | 2 | Under 10 loans | 0.0% |
| East Baton Rouge Parish, LA | 2 | Under 10 loans | 0.0% |
| Newton County, MO | 2 | Under 10 loans | 0.0% |
| Haskell County, OK | 2 | Under 10 loans | 0.0% |
| Baxter County, AR | 1 | Under 10 loans | 0.0% |
| Bradley County, AR | 1 | Under 10 loans | 0.0% |
| Clark County, AR | 1 | Under 10 loans | 0.0% |
| Cleburne County, AR | 1 | Under 10 loans | 0.0% |
| Conway County, AR | 1 | Under 10 loans | 0.0% |
| Izard County, AR | 1 | Under 10 loans | 0.0% |
| Scott County, AR | 1 | Under 10 loans | 0.0% |
| Carter County, MO | 1 | Under 10 loans | 0.0% |
| Cole County, MO | 1 | Under 10 loans | 0.0% |
| Brunswick County, NC | 1 | Under 10 loans | 0.0% |
| Bryan County, OK | 1 | Under 10 loans | 0.0% |
| Cherokee County, OK | 1 | Under 10 loans | 0.0% |
| Latimer County, OK | 1 | Under 10 loans | 0.0% |
| Muskogee County, OK | 1 | Under 10 loans | 0.0% |
| Payne County, OK | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 1 | Under 10 loans | 0.0% |
| Garland County, AR | 0 | Under 10 loans | Not published |
| Independence County, AR | 0 | Under 10 loans | Not published |
| Stone County, AR | 0 | Under 10 loans | Not published |
| Jasper County, MO | 0 | Under 10 loans | Not published |
| Pittsburg County, OK | 0 | Under 10 loans | 100.0% |
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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.