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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 USDA Mortgage Bank Lenders in Arkansas
Updated February 6, 2026
Market Overview
17
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 | Simmons Bank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,834 | +0.393% | 531 | |
2 | First Security Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,802 | -0.166% | 493 | |
3 | Firstar Bank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,451 | +0.034% | 334 | |
4 | Eagle Bank and Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,209 | +0.191% | 783 | |
5 | Priority Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,112 | +0.015% | 260 | |
6 | Centennial Bank | Strong | Sound | Exceptional | Sound | Exceptional | $1,726 | +0.245% | 882 | |
7 | ENCORE BANK | Strong | Strong | — | Sound | Exceptional | $1,069 | +0.231% | 408 | |
8 | First Financial Bank | Strong | Sound | Strong | Strong | Exceptional | $2,152 | +0.194% | 247 | |
9 | Arvest Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,711 | +0.302% | 2,687 | |
10 | First Horizon Bank | Strong | Sound | Strong | Strong | Strong | $1,747 | +0.135% | 434 | |
11 | Chambers Bank | Strong | Sound | Strong | Strong | Strong | $2,294 | -0.007% | 196 | |
12 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,581 | +0.211% | 237 | |
13 | Farmers Bank & Trust Company | Strong | Sound | — | Strong | Strong | $880 | +0.596% | 122 | |
14 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Strong | Strong | $4,091 | +0.760% | 116 | |
15 | First Community Bank | Strong | Acceptable | Strong | Sound | Exceptional | $2,907 | +0.262% | 684 | |
16 | Regions Bank | Strong | Acceptable | Exceptional | Sound | Strong | $1,831 | +0.367% | 529 | |
17 | Bank of England | Strong | Acceptable | Exceptional | Sound | Strong | $1,949 | +0.307% | 371 |
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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