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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 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 | Simmons Bank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,834 | +0.393% | 531 | |
2 | LENDLO MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,294 | +0.382% | 892 | |
3 | First Security Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,802 | -0.166% | 493 | |
4 | Firstar Bank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,451 | +0.034% | 334 | |
5 | GMFS LLC | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,057 | +0.238% | 92 | |
6 | Eagle Bank and Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,209 | +0.191% | 783 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,407 | -0.024% | 804 | |
8 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,358 | +0.423% | 293 | |
9 | GERSHMAN INVESTMENT CORP. | Exceptional | Strong | Exceptional | Strong | Strong | $1,481 | +0.008% | 263 | |
10 | Priority Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,112 | +0.015% | 260 | |
11 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,930 | +0.455% | 157 | |
12 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,020 | +0.272% | 1,087 | |
13 | BANK OF LITTLE ROCK MORTGAGE CORPORATION | Exceptional | Strong | — | Strong | Exceptional | $1,030 | +0.192% | 340 | |
14 | COMMUNITY MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,561 | +0.178% | 257 | |
15 | FIRST COMMUNITY MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,493 | +0.399% | 223 | |
16 | Centennial Bank | Strong | Sound | Exceptional | Sound | Exceptional | $1,726 | +0.245% | 882 | |
17 | ENCORE BANK | Strong | Strong | — | Sound | Exceptional | $1,069 | +0.231% | 408 | |
18 | First Financial Bank | Strong | Sound | Strong | Strong | Exceptional | $2,152 | +0.194% | 247 | |
19 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,125 | +0.323% | 186 | |
20 | UNITED FEDERAL CREDIT UNION | Strong | Strong | — | Strong | Strong | $1,355 | +0.023% | 115 | |
21 | Arvest Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,711 | +0.302% | 2,687 | |
22 | First Horizon Bank | Strong | Sound | Strong | Strong | Strong | $1,747 | +0.135% | 434 | |
23 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,581 | +0.696% | 254 | |
24 | Chambers Bank | Strong | Sound | Strong | Strong | Strong | $2,294 | -0.007% | 196 | |
25 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Sound | $2,219 | +0.335% | 81 | |
26 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $1,139 | +0.423% | 66 | |
27 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,871 | +0.260% | 304 | |
28 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,581 | +0.211% | 237 | |
29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $4,086 | +0.267% | 137 | |
30 | Farmers Bank & Trust Company | Strong | Sound | — | Strong | Strong | $880 | +0.596% | 122 | |
31 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Strong | Strong | $4,091 | +0.760% | 116 | |
32 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,984 | +0.406% | 115 | |
33 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,268 | +0.488% | 104 | |
34 | First Community Bank | Strong | Acceptable | Strong | Sound | Exceptional | $2,907 | +0.262% | 684 | |
35 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,089 | +0.535% | 631 | |
36 | Regions Bank | Strong | Acceptable | Exceptional | Sound | Strong | $1,831 | +0.367% | 529 | |
37 | Bank of England | Strong | Acceptable | Exceptional | Sound | Strong | $1,949 | +0.307% | 371 | |
38 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,623 | +0.433% | 72 | |
39 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | Sound | $1,982 | +0.335% | 70 | |
40 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,457 | +0.696% | 611 | |
41 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,987 | +0.673% | 333 | |
42 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,529 | +0.652% | 261 | |
43 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,928 | +1.085% | 136 | |
44 | PILGRIM MORTGAGE LLC | Strong | Acceptable | — | Strong | Strong | $3,081 | +0.696% | 76 | |
45 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Sound | Strong | $4,651 | +0.854% | 209 | |
46 | MOVEMENT MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,191 | +0.577% | 109 | |
47 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,473 | +1.180% | 68 | |
48 | AMERICAN FINANCIAL RESOURCES, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $2,428 | +0.681% | 66 | |
49 | SENTE MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,400 | +0.560% | 223 |
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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