The First National Bank of Fort Smith in Oklahoma vs the state
10.6%Denial rate-7.32 pts vs state
11.8%Decision denial rate-11.11 pts vs state
79.5%Origination rate+23.37 pts vs state
7.25%Median rate+0.63 pts vs state
0.32Rate spread (pts)-0.03 pts vs state
$70kMedian applicant income
120Loans originated
16Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 122 | 93 | 14.8% | 7.50% | #149 |
| 2024 | 132 | 106 | 11.4% | 8.13% | #147 |
| 2025 | 151 | 120 | 10.6% | 7.25% | #149 |
What The First National Bank of Fort Smith lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most The First National Bank of Fort Smith applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sequoyah County | 76 | 58 | 8 | 10.5% |
| Le Flore County | 67 | 55 | 7 | 10.4% |
| Haskell County | 2 | 2 | 0 | 0.0% |
| Muskogee County | 1 | 1 | 0 | 0.0% |
| Bryan County | 1 | 1 | 0 | 0.0% |
| Pittsburg County | 1 | 0 | 1 | 100.0% |
| Latimer County | 1 | 1 | 0 | 0.0% |
| Cherokee County | 1 | 1 | 0 | 0.0% |
| Payne County | 1 | 1 | 0 | 0.0% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 151 applications in 2025, of which 120 were originated and 16 denied.
10.6% of all applications, or 11.8% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans The First National Bank of Fort Smith originated in Oklahoma in 2025 was 7.25%, 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 Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology