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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Bank Mortgage Lenders in Arkansas
Updated February 6, 2026
Market Overview
34
Total Lenders
12,718
Total Loans
0.22%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | First Security Bank | Exceptional | Exceptional | Strong | Exceptional | $1,802 | -0.166% | 493 | |
2 | Firstar Bank | Exceptional | Strong | Exceptional | Exceptional | $1,451 | +0.034% | 334 | |
3 | Priority Bank | Exceptional | Strong | Strong | Exceptional | $2,112 | +0.015% | 260 | |
4 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $667 | -0.196% | 91 | |
5 | Eagle Bank and Trust Company | Strong | Sound | Exceptional | Exceptional | $2,209 | +0.191% | 783 | |
6 | ENCORE BANK | Strong | Strong | Sound | Exceptional | $1,069 | +0.231% | 408 | |
7 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,068 | +0.140% | 253 | |
8 | Generations Bank | Strong | Strong | Strong | Strong | $1,236 | +0.062% | 176 | |
9 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,537 | -0.044% | 155 | |
10 | Simmons Bank | Strong | Sound | Strong | Exceptional | $1,834 | +0.393% | 531 | |
11 | The First National Bank of Fort Smith | Strong | Sound | Strong | Exceptional | $1,707 | +0.124% | 264 | |
12 | First Financial Bank | Strong | Sound | Strong | Exceptional | $2,152 | +0.194% | 247 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,458 | +0.080% | 166 | |
14 | Centennial Bank | Strong | Sound | Sound | Exceptional | $1,726 | +0.245% | 882 | |
15 | Regions Bank | Strong | Sound | Strong | Strong | $1,831 | +0.367% | 529 | |
16 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,747 | +0.135% | 434 | |
17 | Cadence Bank | Strong | Sound | Strong | Strong | $1,639 | +0.346% | 311 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,809 | +0.147% | 238 | |
19 | Chambers Bank | Strong | Sound | Strong | Strong | $2,294 | -0.007% | 196 | |
20 | Farmers Bank & Trust Company | Strong | Sound | Strong | Strong | $880 | +0.596% | 122 | |
21 | The Central Trust Bank | Strong | Sound | Strong | Strong | $1,867 | +0.314% | 107 | |
22 | Arvest Bank | Strong | Acceptable | Strong | Exceptional | $1,711 | +0.302% | 2,687 | |
23 | First Community Bank | Strong | Acceptable | Strong | Exceptional | $2,907 | +0.262% | 684 | |
24 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,433 | -0.157% | 206 | |
25 | Bank of England | Strong | Acceptable | Strong | Strong | $1,949 | +0.307% | 371 | |
26 | Gateway First Bank | Strong | Acceptable | Strong | Strong | $2,581 | +0.211% | 237 | |
27 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Strong | $4,091 | +0.760% | 116 | |
28 | BOKF, National Association | Strong | Acceptable | Strong | Strong | $1,357 | +0.382% | 82 | |
29 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $2,477 | +0.203% | 73 | |
30 | Bank OZK | Sound | Sound | Mediocre | Strong | $1,799 | +0.324% | 71 | |
31 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $1,737 | +0.149% | 70 | |
32 | Southern Bancorp Bank | Sound | Mediocre | Sound | Strong | $465 | +1.098% | 130 | |
33 | First National Bank | Sound | Mediocre | Sound | Strong | $229 | +0.955% | 68 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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