Fort Smith
Metropolitan Statistical Area · MSA Code 22900
According to CFPB HMDA 2024 application volume among tracked metros, Fort Smith ranks #226 of 418.
Mortgage lending activity in the Fort Smith metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Fort Smith Metropolitan Statistical Area (MSA code 22900) financed its book at an average note rate of 7.32%. 20 major lenders are tracked for this metro - Arvest Bank, Firstar Bank, Rocket Mortgage lead by origination volume. Among the 418 metros tracked, Fort Smith sits in the 63rd percentile for approval-friendliness by denial rate, and shares its 5-point denial-rate band with 241 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Fort Smith denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 15.6% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $172,000 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Fort Smith
In Fort Smith, lead originator Arvest Bank funded 13.6% of 4,396 originated loans, above the fleet's upper tercile (~12.8% top-1). The top three reporters together hold 31.3% of the book, so a handful of names dominate disclosed volume here.
Metros With a Similar Denial Rate
The metro areas closest to Fort Smith's 15.6% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Fort Smith's 8,471 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Fort Smith's $172,000 average loan (deduped against denial and volume peers).
Lenders active in the Fort Smith metro
Arvest Bank funded 596 of the 4,396 loans originated here, 13.6% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Arvest Bank | 596 | 912 | $148,125 | 13.6% |
| 2 | Firstar Bank | 539 | 634 | $191,309 | 12.3% |
| 3 | Rocket Mortgage | 243 | 354 | $174,124 | 5.5% |
| 4 | United Federal Credit Union | 209 | 354 | $88,362 | 4.8% |
| 5 | First National Bank of Fort Smith | 195 | 237 | $203,481 | 4.4% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For the Fort Smith metropolitan area, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- Metropolitan Statistical Areas are defined by the U.S. Office of Management and Budget (OMB). Not financial advice for Fort Smith borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.