The First National Bank of Fort Smith mortgage approval rate & lending review
The First National Bank of Fort Smith decided 950 mortgage applications and funded 890 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The First National Bank of Fort Smith reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The First National Bank of Fort Smith at a glance
Approval is 10.5 points above the 84.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 589 / 614 | 98% | $325K | 577 |
| Refinance | 90% | 60 / 67 | 97% | $105K | 58 |
| Investment property purchase | 98% | 182 / 186 | 99% | $245K | 181 |
| Investment refinance | 93% | 25 / 27 | 100% | $85K | 25 |
The First National Bank of Fort Smith lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arkansas | 95% | $325K | 938 | 879 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The First National Bank of Fort Smith lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Benton County, AR | Mortgage lenders | 95% | 208 | 195 |
| Sebastian County, AR | Mortgage lenders | 95% | 168 | 157 |
| Washington County, AR | Mortgage lenders | 98% | 120 | 114 |
| Faulkner County, AR | Mortgage lenders | 99% | 84 | 82 |
| Benton County, AR | Investment property purchase | 95% | 66 | 62 |
| Sebastian County, AR | Investment property purchase | 100% | 59 | 59 |
| Washington County, AR | Investment property purchase | 100% | 44 | 44 |
| Benton County, AR | Refinance | 88% | 26 | 23 |
| Sebastian County, AR | Refinance | 87% | 23 | 20 |
The county markets where The First National Bank of Fort Smith made the most loans. Each link opens that market with every lender ranked.
Questions about The First National Bank of Fort Smith
What is The First National Bank of Fort Smith's mortgage approval rate?
The First National Bank of Fort Smith approved 95.4% of the 950 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.5 points above the 84.9% national rate for the same mix of loan types.
How often do borrowers take the loan The First National Bank of Fort Smith offers?
Borrowers accepted 98% of the loans The First National Bank of Fort Smith approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The First National Bank of Fort Smith make?
The typical home purchase mortgage loan The First National Bank of Fort Smith made was $325K; across all loan types its typical loan ran from $85K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The First National Bank of Fort Smith lend?
The First National Bank of Fort Smith decided applications in 10 of the states Fat Boy Data covers, most of them in Arkansas, Florida and Texas.
Can I apply to The First National Bank of Fort Smith directly?
Yes. The First National Bank of Fort Smith is a bank or credit union with 26 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The First National Bank of Fort Smith's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The First National Bank of Fort Smith treats applications, then get a rate quote from the lender.