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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 Conventional Mortgage Bank Lenders in Arkansas
Updated February 6, 2026
Market Overview
34
Total Lenders
31,386
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Firstar Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,451 | +0.034% | 334 | |
2 | First Security Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,802 | -0.166% | 493 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,068 | +0.140% | 253 | |
4 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,537 | -0.044% | 155 | |
5 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $667 | -0.196% | 91 | |
6 | ENCORE BANK | Exceptional | Strong | Strong | Sound | Exceptional | $1,069 | +0.231% | 408 | |
7 | Priority Bank | Exceptional | Strong | Sound | Strong | Exceptional | $2,112 | +0.015% | 260 | |
8 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,458 | +0.080% | 166 | |
9 | Eagle Bank and Trust Company | Strong | Sound | Strong | Strong | Exceptional | $2,209 | +0.191% | 783 | |
10 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $1,747 | +0.135% | 434 | |
11 | Cadence Bank | Strong | Sound | Exceptional | Strong | Strong | $1,639 | +0.346% | 311 | |
12 | The First National Bank of Fort Smith | Strong | Sound | Strong | Strong | Exceptional | $1,707 | +0.124% | 264 | |
13 | First Financial Bank | Strong | Sound | Sound | Exceptional | Exceptional | $2,152 | +0.194% | 247 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,809 | +0.147% | 238 | |
15 | Generations Bank | Strong | Strong | Sound | Strong | Strong | $1,236 | +0.062% | 176 | |
16 | Farmers Bank & Trust Company | Strong | Sound | Strong | Exceptional | Strong | $880 | +0.596% | 122 | |
17 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $1,867 | +0.314% | 107 | |
18 | BOKF, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,357 | +0.382% | 82 | |
19 | Arvest Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,711 | +0.302% | 2,687 | |
20 | Centennial Bank | Strong | Sound | Strong | Sound | Exceptional | $1,726 | +0.245% | 882 | |
21 | First Community Bank | Strong | Acceptable | Strong | Strong | Exceptional | $2,907 | +0.262% | 684 | |
22 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,831 | +0.367% | 529 | |
23 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,581 | +0.211% | 237 | |
24 | Simmons Bank | Strong | Acceptable | Strong | Sound | Exceptional | $1,834 | +0.393% | 531 | |
25 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,433 | -0.157% | 206 | |
26 | Chambers Bank | Strong | Sound | Sound | Sound | Strong | $2,294 | -0.007% | 196 | |
27 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,477 | +0.203% | 73 | |
28 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $1,737 | +0.149% | 70 | |
29 | Bank of England | Strong | Acceptable | Strong | Sound | Strong | $1,949 | +0.307% | 371 | |
30 | CORNERSTONE CAPITAL BANK, SSB | Strong | Mediocre | Exceptional | Strong | Strong | $4,091 | +0.760% | 116 | |
31 | Bank OZK | Sound | Sound | Acceptable | Mediocre | Strong | $1,799 | +0.324% | 71 | |
32 | First National Bank | Sound | Mediocre | Sound | Strong | Strong | $229 | +0.955% | 68 | |
33 | Southern Bancorp Bank | Sound | Mediocre | Sound | Sound | Strong | $465 | +1.098% | 130 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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