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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 Lenders in Arkansas
Updated February 6, 2026
Market Overview
180
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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $633 | -0.513% | 284 | |
3 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,020 | +0.272% | 1,087 | |
4 | First Security Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,802 | -0.166% | 493 | |
5 | BANK OF LITTLE ROCK MORTGAGE CORPORATION | Exceptional | Strong | Strong | Strong | Exceptional | $1,030 | +0.192% | 340 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,068 | +0.140% | 253 | |
7 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,537 | -0.044% | 155 | |
8 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $667 | -0.196% | 91 | |
9 | ENCORE BANK | Exceptional | Strong | Strong | Sound | Exceptional | $1,069 | +0.231% | 408 | |
10 | Priority Bank | Exceptional | Strong | Sound | Strong | Exceptional | $2,112 | +0.015% | 260 | |
11 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,458 | +0.080% | 166 | |
12 | UNITED FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $1,355 | +0.023% | 115 | |
13 | GMFS LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,057 | +0.238% | 92 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,673 | +0.435% | 2,648 | |
15 | Eagle Bank and Trust Company | Strong | Sound | Strong | Strong | Exceptional | $2,209 | +0.191% | 783 | |
16 | ARKANSAS Federal Credit Union | Strong | Sound | Strong | Strong | Exceptional | $2,417 | -0.047% | 477 | |
17 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $1,747 | +0.135% | 434 | |
18 | Cadence Bank | Strong | Sound | Exceptional | Strong | Strong | $1,639 | +0.346% | 311 | |
19 | ASSOCIATED MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $1,296 | +0.171% | 306 | |
20 | The First National Bank of Fort Smith | Strong | Sound | Strong | Strong | Exceptional | $1,707 | +0.124% | 264 | |
21 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Exceptional | Strong | Strong | $1,481 | +0.008% | 263 | |
22 | COMMUNITY MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $2,561 | +0.178% | 257 | |
23 | First Financial Bank | Strong | Sound | Sound | Exceptional | Exceptional | $2,152 | +0.194% | 247 | |
24 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,809 | +0.147% | 238 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,836 | +0.413% | 204 | |
26 | Generations Bank | Strong | Strong | Sound | Strong | Strong | $1,236 | +0.062% | 176 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $3,016 | +0.527% | 175 | |
28 | Farmers Bank & Trust Company | Strong | Sound | Strong | Exceptional | Strong | $880 | +0.596% | 122 | |
29 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $1,867 | +0.314% | 107 | |
30 | BOKF, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,357 | +0.382% | 82 | |
31 | Arvest Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,711 | +0.302% | 2,687 | |
32 | Centennial Bank | Strong | Sound | Strong | Sound | Exceptional | $1,726 | +0.245% | 882 | |
33 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,407 | -0.024% | 804 | |
34 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,089 | +0.535% | 631 | |
35 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,160 | -0.026% | 291 | |
36 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,333 | +0.076% | 154 | |
37 | First Community Bank | Strong | Acceptable | Strong | Strong | Exceptional | $2,907 | +0.262% | 684 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,457 | +0.696% | 611 | |
39 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,831 | +0.367% | 529 | |
40 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,871 | +0.260% | 304 | |
41 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,358 | +0.423% | 293 | |
42 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,529 | +0.652% | 261 | |
43 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,581 | +0.211% | 237 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,468 | +0.599% | 225 | |
45 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,493 | +0.399% | 223 | |
46 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,307 | +0.368% | 193 | |
47 | MORTGAGE INVESTORS GROUP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,125 | +0.323% | 186 | |
48 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,247 | +0.568% | 181 | |
49 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $4,086 | +0.267% | 137 | |
50 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,928 | +1.085% | 136 |
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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