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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 FHA 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 | Priority Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $2,112 | +0.015% | 260 | |
2 | The First National Bank of Fort Smith | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,707 | +0.124% | 264 | |
3 | First Security Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,802 | -0.166% | 493 | |
4 | ENCORE BANK | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,069 | +0.231% | 408 | |
5 | Firstar Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,451 | +0.034% | 334 | |
6 | FIRST WESTERN MORTGAGE, INC. | Exceptional | Exceptional | Strong | Strong | Strong | $1,052 | +0.029% | 138 | |
7 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,020 | +0.272% | 1,087 | |
8 | LENDLO MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,294 | +0.382% | 892 | |
9 | Eagle Bank and Trust Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,209 | +0.191% | 783 | |
10 | Simmons Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,834 | +0.393% | 531 | |
11 | BANK OF LITTLE ROCK MORTGAGE CORPORATION | Exceptional | Strong | Strong | Strong | Exceptional | $1,030 | +0.192% | 340 | |
12 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,639 | +0.346% | 311 | |
13 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,844 | +0.266% | 271 | |
14 | First Financial Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,152 | +0.194% | 247 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,016 | +0.527% | 175 | |
16 | GMFS LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,057 | +0.238% | 92 | |
17 | Arvest Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,711 | +0.302% | 2,687 | |
18 | Centennial Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,726 | +0.245% | 882 | |
19 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,407 | -0.024% | 804 | |
20 | First Horizon Bank | Exceptional | Strong | Strong | Strong | Strong | $1,747 | +0.135% | 434 | |
21 | ASSOCIATED MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,296 | +0.171% | 306 | |
22 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,871 | +0.260% | 304 | |
23 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,160 | -0.026% | 291 | |
24 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,068 | +0.140% | 253 | |
25 | Farmers Bank & Trust Company | Exceptional | Strong | Strong | Strong | Strong | $880 | +0.596% | 122 | |
26 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,673 | +0.435% | 2,648 | |
27 | First Community Bank | Strong | Sound | Strong | Strong | Exceptional | $2,907 | +0.262% | 684 | |
28 | Bank of England | Strong | Sound | Exceptional | Strong | Strong | $1,949 | +0.307% | 371 | |
29 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Exceptional | Strong | Strong | $1,481 | +0.008% | 263 | |
30 | COMMUNITY MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $2,561 | +0.178% | 257 | |
31 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,581 | +0.696% | 254 | |
32 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,836 | +0.413% | 204 | |
33 | Chambers Bank | Strong | Strong | Sound | Strong | Strong | $2,294 | -0.007% | 196 | |
34 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,125 | +0.323% | 186 | |
35 | UNITED FEDERAL CREDIT UNION | Strong | Strong | Strong | Sound | Strong | $1,355 | +0.023% | 115 | |
36 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $1,867 | +0.314% | 107 | |
37 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $3,898 | +0.242% | 79 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,457 | +0.696% | 611 | |
39 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $1,831 | +0.367% | 529 | |
40 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,493 | +0.399% | 223 | |
41 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,930 | +0.455% | 157 | |
42 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,333 | +0.076% | 154 | |
43 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,086 | +0.267% | 137 | |
44 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,091 | +0.760% | 116 | |
45 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,984 | +0.406% | 115 | |
46 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $2,477 | +0.203% | 73 | |
47 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $1,737 | +0.149% | 70 | |
48 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $1,139 | +0.423% | 66 | |
49 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,358 | +0.423% | 293 | |
50 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,581 | +0.211% | 237 |
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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