# The First National Bank of Fort Smith

> **Canonical URL:** https://saferate.com/lenders/the-first-national-bank-of-fort-smith


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


The First National Bank of Fort Smith is a bank, headquartered in Fort Smith, AR, serving borrowers across 7 states, with 294 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 41% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 33% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300BREPLU2KKPI102
- **Headquarters:** Fort Smith, AR
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** AL, AR, IN, KS, MT, OK, TX
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.145%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,666
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 294
- **Dollar Volume:** $83 million
- **Applications Received:** 422
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $283,061
- **Average Borrower Income:** $130,619
- **Average Property Value:** $388,537

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 64/100 | 229 | +0.165% | $1,662 | Strong 😀 |
| FHA | 65/100 | 63 | +0.069% | $1,616 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 207 loans, Score: 65/100 (Strong)
- Refinance: 22 loans, Score: 47/100 (Sound)

**FHA:**
- Purchase: 62 loans, Score: 65/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 271 | $79M | +0.131% | Strong 😀 |
| Refinance | 46/100 | 23 | $4M | +0.325% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AR | 264 | 0.82% | 81/100 |
| OK | 25 | 0.06% | 52/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fayetteville | AR | 110 | 76/100 |
| Fort Smith, AR | AR-OK | 100 | 80/100 |
| Little Rock | AR | 46 | 68/100 |
| Non |  | 34 | 39/100 |

## Where This Lender Ranks

The First National Bank of Fort Smith appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Fayetteville for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Fort Smith, AR Banks
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/banks)
- 🥈 **#2** in Fort Smith, AR for FHA Loans
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Fort Smith, AR for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Arkansas for FHA Loans
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Arkansas for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Fort Smith, AR
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders)
- 🏆 **#4** in Fort Smith, AR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Fayetteville for FHA Loans
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Little Rock for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#8** in Fayetteville Banks
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/banks)
- 🏆 **#8** in Fort Smith, AR for Conventional Loans
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/conventional-loans)
- 🏆 **#9** in Arkansas for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Arkansas Banks
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks)
- 🏆 **#11** in Little Rock for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Little Rock for FHA Loans
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/fha-loans)
- 🏆 **#13** in Fayetteville for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Little Rock Banks
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks)
- 🏆 **#17** in Arkansas for Conventional Loans
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/conventional-loans)
- 🏆 **#18** in Arkansas
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does The First National Bank of Fort Smith offer?

The First National Bank of Fort Smith offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The First National Bank of Fort Smith offer mortgages?

The First National Bank of Fort Smith offers mortgages in 7 states: AL, AR, IN, KS, MT, OK, TX.

### How competitive are The First National Bank of Fort Smith's mortgage rates?

The First National Bank of Fort Smith has a pricing score of 59/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.145% above market average.

### What type of lender is The First National Bank of Fort Smith?

The First National Bank of Fort Smith is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Fort Smith, AR.

### What is The First National Bank of Fort Smith's loan approval success rate?

The First National Bank of Fort Smith has a pull-through score of 67/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/the-first-national-bank-of-fort-smith

### How to Cite

> "The First National Bank of Fort Smith Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-first-national-bank-of-fort-smith

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