Applications / Mortgage Analytics / Lenders / Arkansas / The First National Bank of Fort Smith
Fort Smith, AR · National bank · OCC · $2.3 billion assets · 512 loans in 2025
The First National Bank of Fort Smith's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
512
loans originated, 2025
669
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of Fort Smith is a western Arkansas home-purchase lender that, unlike most similar banks, makes a tenth of its loans through FHA, the Federal Housing Administration's insurance programme.
FHA loans (insured by the Federal Housing Administration) made up 10.7% of its loans, against none at the typical similar lender (national banks making between half and twice as many loans), more than about nine in ten of them. Five years before it made none. Its higher-priced share (a rate well above the average for similar loans), 2.1%, and typical rate, 6.75%, match similar lenders'.
Home purchase made up 77.3% of its loans and refinance 13.9%. Its typical loan, $205,000, is the same as similar lenders'. Its purchase denial rate, 6.6%, is close to similar lenders' 6.2%.
Low- and moderate-income (LMI) borrowers took 25.3% of its loans, up from 19.3% the year before and 17.2% five years before, and now near similar lenders' 26.9%. LMI areas took 17.2%, against 15.4%.
Originations rose 2% to 512, against 6% for similar lenders and 10% for the whole market, after an earlier rise from 455 in 2023 to 503 in 2024. Its share rose in Fayetteville-Springdale-Rogers, a market it entered in 1997; it has lent in Fort Smith since before 1990.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The First National Bank of Fort Smith took 669 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.3% · Refinance 13.9% · Home improvement 5.1% · Other 3.7%
Conventional 89.3% · FHA 10.7% · of 512 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arkansas | 381 | 74.4% |
| Oklahoma | 120 | 23.4% |
| Missouri | 7 | 1.4% |
| Louisiana | 2 | 0.4% |
| North Carolina | 1 | 0.2% |
| Texas | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fayetteville-Springdale-Rogers | 188 |
| Fort Smith | 178 |
| Little Rock-North Little Rock-Conway | 45 |
| Baton Rouge | 2 |
| Joplin | 2 |
| Dallas-Plano-Irving | 1 |
| Jefferson City | 1 |
| Wilmington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BREPLU2KKPI102 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 397540 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 11950 | 1990–2017 |
Established 29 February 1872. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The First National Bank of Fort Smith's data.
The First National Bank of Fort Smith's data
$215
The First National Bank of Fort Smith and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy The First National Bank of Fort Smith's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]