Lenders › First National Bank of Fort Smith › Oklahoma
First National Bank of Fort Smith in Oklahoma
HMDA record for properties in Oklahoma, calendar year 2024. National record · Oklahoma overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Oklahoma, First National Bank of Fort Smith reported 132 applications and 106 originations for 2024, $45m in all.
Its denial rate in the state was 12.4%, below the Oklahoma rate of 23.4% across all lenders and compared with the lender's national rate of 7.3%.
The median rate spread on its Oklahoma originations was 0.5 percentage points (state median 0.5).
Applications in the state were up 8% on 2023.
Compared with the state and the lender's national record
| Measure | In Oklahoma | Oklahoma, all lenders | First National Bank of Fort Smith, all states | United States |
|---|---|---|---|---|
| Denial rate | 12.4% | 23.4% | 7.3% | 24.3% |
| Median rate spread, pp | 0.5 | 0.5 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 16.7% | 17.5% | 9.6% | 15.6% |
| Average originated loan | $420k | $223k | $345k | $329k |
| Home purchase share | 69.8% | 63.6% | 80.3% | 57.0% |
| FHA-insured share | 3.8% | 17.1% | 12.9% | 13.4% |
| VA-guaranteed share | 0.0% | 11.9% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOklahoma, all lenders
Loan purpose and loan type in Oklahoma
By purpose
Home purchase 70% (74)Home improvement 8% (9)Refinancing 13% (14)Cash-out refinancing 1% (1)Other purpose 8% (8)
By type
Conventional 96% (102)FHA 4% (4)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Oklahoma
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Sequoyah County | 62 | 56 | $8.9m | 5.1% |
| Le Flore County | 55 | 40 | $5.1m | 16.7% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First National Bank of Fort Smith originate in Oklahoma in 2024?
106 loans totalling $45m, from 132 applications reported for properties in Oklahoma.
What is First National Bank of Fort Smith's denial rate in Oklahoma?
12.4% of decided applications in Oklahoma were denied, against 23.4% for all lenders in the state and 7.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Oklahoma counties does First National Bank of Fort Smith lend in most?
By originations: Sequoyah County (56), Le Flore County (40).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Oklahoma. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.