Purchase Originations
253
Median Total Costs
$4,104
−38.6% vs national ($6,680)
↓ $437 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.249% vs prior year
Median Origination
$1,400
Median Lender Credits
$2,095
Denial Rate
5.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 198 | 6.495% | $3,579 | $1,451 |
| fha | 55 | 5.990% | $7,639 | $1,188 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,300 | 6.125% | — | 1 | −$1,804 | |
| 2 | $2,547 | 6.750% | — | 4 | −$1,557 | |
| 3 | $2,876 | 6.250% | — | 2 | −$1,228 | |
| 4 | $3,143 | 6.438% | — | 2 | −$961 | |
| 5 | $3,851 | 6.250% | — | 48 | −$253 | |
| 6 | $3,909 | 6.125% | — | 23 | −$195 | |
| 7 | $3,928 | 6.375% | — | 65 | −$176 | |
| 8 | $4,206 | 6.625% | — | 7 | +$102 | |
| 9 | $4,422 | 6.250% | — | 42 | +$318 | |
| 10 | $4,509 | 6.375% | — | 14 | +$405 | |
| 11 | $4,911 | 6.495% | — | 10 | +$807 | |
| 12 | $5,027 | 6.375% | — | 3 | +$923 | |
| 13 | $5,384 | 6.500% | — | 1 | +$1,280 | |
| 14 | $5,460 | 6.500% | — | 1 | +$1,356 | |
| 15 | $5,540 | 6.120% | — | 2 | +$1,436 | |
| 16 | $5,576 | 6.250% | — | 15 | +$1,472 | |
| 17 | $6,408 | 6.188% | — | 2 | +$2,304 | |
| 18 | $6,900 | 6.250% | — | 4 | +$2,796 | |
| 19 | $8,078 | 6.250% | — | 3 | +$3,974 | |
| 20 | $10,073 | 5.500% | — | 1 | +$5,969 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | The First National Bank of Fort Smith | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $4,104 | $7,127 | −$3,023 (−42.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.