The First National Bank of Fort Smith in Arkansas vs the state
4.8%Denial rate-13.40 pts vs state
5.9%Decision denial rate-17.28 pts vs state
76.1%Origination rate+19.22 pts vs state
6.50%Median rate-0.13 pts vs state
0.05Rate spread (pts)-0.29 pts vs state
$122kMedian applicant income
381Loans originated
24Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 472 | 354 | 5.7% | 7.00% | #49 |
| 2024 | 533 | 391 | 4.5% | 6.88% | #45 |
| 2025 | 501 | 381 | 4.8% | 6.50% | #51 |
What The First National Bank of Fort Smith lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most The First National Bank of Fort Smith applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 165 | 123 | 7 | 4.2% |
| Sebastian County | 120 | 99 | 6 | 5.0% |
| Washington County | 78 | 62 | 2 | 2.6% |
| Faulkner County | 36 | 27 | 1 | 2.8% |
| Crawford County | 31 | 21 | 2 | 6.5% |
| Pulaski County | 15 | 9 | 1 | 6.7% |
| Franklin County | 10 | 6 | 2 | 20.0% |
| Lonoke County | 10 | 9 | 0 | 0.0% |
| Van Buren County | 9 | 5 | 2 | 22.2% |
| Carroll County | 3 | 2 | 1 | 33.3% |
Other large lenders in Arkansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Arvest Bank | C | 9,748 | 14.4% | 7.00% |
| Rocket Mortgage | C | 5,854 | 20.1% | 6.63% |
| ARKANSAS Federal Credit Union | F | 4,439 | 23.6% | 7.50% |
| Vanderbilt Mortgage and Finance | F | 3,491 | 38.4% | 10.25% |
| 21st Mortgage | F | 3,250 | 46.6% | 9.69% |
| Mortgage Research Center | C | 2,767 | 18.3% | 6.25% |
| Regions Bank | C | 2,646 | 40.0% | 6.13% |
| Firsttrust Home Loans | B | 2,590 | 0.5% | 6.49% |
| United Shore Financial Services | B | 2,456 | 13.3% | 6.12% |
| Triad Financial Services | D | 2,133 | 54.2% | 8.68% |
Frequently asked questions
Arkansas: 501 applications in 2025, of which 381 were originated and 24 denied.
4.8% of all applications, or 5.9% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans The First National Bank of Fort Smith originated in Arkansas in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are The First National Bank of Fort Smith's own HMDA filing for properties located in Arkansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology