Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Sebastian County, Arkansas
Every institution that decided a 1–4 unit mortgage application in Sebastian County, home to Fort Smith, between 2023 and 2025: 8,050 applications, 6,281 loans actually funded, across 8 kinds of borrowing.
Sebastian County at a glance
8,050Applications decided
2023–2025
6,281Loans funded
78% of decisions
31Census tracts
11 ZIP codes
128,448People
ACS 2023
What the data shows
The typical purchase mortgage here is $185K.
Home improvement loans is the hardest money to get here: lenders approved 64% of 918 applications.
Lending by loan type in Sebastian County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.2% | 4,073 | $185K | 97% | 192 |
| Home improvement loans | 64.4% | 918 | $45K | 91% | 43 |
| Cash-out refinance | 65.1% | 1,060 | $135K | 96% | 94 |
| Refinance | 77.2% | 881 | $105K | 96% | 90 |
| Investment property purchase | 94.7% | 695 | $125K | 98% | 88 |
| Investment cash-out refinance | 74.3% | 70 | $115K | 98% | 44 |
| Investment refinance | 91.5% | 234 | $105K | 97% | 35 |
| Investment home improvement | 79.8% | 119 | $55K | 99% | 24 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.