Mortgage lending in Fort Smith, AR-OK

4,687 mortgages were originated in the Fort Smith, AR-OK area in 2025, and here is what they cost.

Loans originated

4,687

Median rate

6.625%

Median lender fees

$4,820

Median loan amount

$155,000

Median spread over APOR

0.343

Paid discount points

33.7%

Received lender credits

15.9%

Purchases / refinances

53.1% / 28.4%

Conventional / FHA / VA

68.3% / 17.3% / 11.7%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 67% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Fort Smith, AR-OK area, ranked by volume.