# Best USDA Mortgage Lenders in Arkansas

**As of:** 2026-05-26

Compare the top USDA mortgage lenders in Arkansas. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/arkansas/best-mortgage-lenders/usda-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 180
- **Total Loans:** 31,386
- **Median Rate Spread:** 0.3424260355029586%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | LENDLO MORTGAGE, LLC | 95 | 63 | 85 | 892 | Independent Mortgage Company |
| 2 | Simmons Bank | 95 | 80 | 60 | 531 | Bank |
| 3 | Firstar Bank | 95 | 72 | 86 | 334 | Bank |
| 4 | Eagle Bank and Trust Company | 89 | 66 | 71 | 783 | Bank |
| 5 | First Security Bank | 89 | 82 | 74 | 493 | Bank |
| 6 | GMFS LLC | 89 | 85 | 68 | 92 | Independent Mortgage Company |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 85 | 62 | 75 | 804 | Independent Mortgage Company |
| 8 | GUILD MORTGAGE COMPANY LLC | 85 | 71 | 78 | 293 | Independent Mortgage Company |
| 9 | GERSHMAN INVESTMENT CORP. | 85 | 68 | 70 | 263 | Independent Mortgage Company |
| 10 | Priority Bank | 85 | 76 | 71 | 260 | Bank |
| 11 | NEWREZ LLC | 85 | 65 | 69 | 157 | Independent Mortgage Company |
| 12 | FLAT BRANCH MORTGAGE, INC. | 83 | 56 | 78 | 1,087 | Independent Mortgage Company |
| 13 | COMMUNITY MORTGAGE CORPORATION | 83 | 41 | 82 | 257 | Independent Mortgage Company |
| 14 | FIRST COMMUNITY MORTGAGE, INC. | 83 | 55 | 80 | 223 | Independent Mortgage Company |
| 15 | BANK OF LITTLE ROCK MORTGAGE CORPORATION | 79 | 72 | 66 | 340 | Independent Mortgage Company |
| 16 | First Financial Bank | 79 | 49 | 70 | 247 | Bank |
| 17 | MORTGAGE INVESTORS GROUP, INC. | 79 | 51 | 67 | 186 | Independent Mortgage Company |
| 18 | Centennial Bank | 77 | 48 | 52 | 882 | Bank |
| 19 | Arvest Bank | 75 | 27 | 61 | 2,687 | Bank |
| 20 | First Horizon Bank | 74 | 49 | 68 | 434 | Bank |
| 21 | Chambers Bank | 74 | 56 | 63 | 196 | Bank |
| 22 | UNITED FEDERAL CREDIT UNION | 74 | 65 | 74 | 115 | Credit Union |
| 23 | ENCORE BANK | 73 | 65 | 52 | 408 | Bank |
| 24 | MORTGAGE FINANCIAL SERVICES, LLC | 73 | 40 | 57 | 254 | Independent Mortgage Company |
| 25 | Paramount Residential Mortgage Group, Inc. | 73 | 42 | 63 | 81 | Independent Mortgage Company |
| 26 | KIND LENDING, LLC | 73 | 60 | 64 | 66 | Independent Mortgage Company |
| 27 | SWBC MORTGAGE CORPORATION | 71 | 34 | 76 | 304 | Independent Mortgage Company |
| 28 | Gateway First Bank | 71 | 32 | 72 | 237 | Bank |
| 29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 71 | 22 | 77 | 137 | Independent Mortgage Company |
| 30 | CORNERSTONE CAPITAL BANK, SSB | 71 | 25 | 63 | 116 | Bank |
| 31 | T2 FINANCIAL LLC | 71 | 33 | 74 | 115 | Independent Mortgage Company |
| 32 | STOCKTON MORTGAGE CORPORATION | 71 | 23 | 70 | 104 | Independent Mortgage Company |
| 33 | Farmers Bank & Trust Company | 69 | 54 | 66 | 122 | Bank |
| 34 | First Community Bank | 66 | 32 | 57 | 684 | Bank |
| 35 | Regions Bank | 66 | 32 | 57 | 529 | Bank |
| 36 | Bank of England | 66 | 38 | 56 | 371 | Bank |
| 37 | Sierra Pacific Mortgage Company, Inc. | 66 | 29 | 66 | 72 | Independent Mortgage Company |
| 38 | Nations Lending Corporation | 66 | 30 | 75 | 70 | Independent Mortgage Company |
| 39 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 63 | 13 | 74 | 631 | Independent Mortgage Company |
| 40 | PILGRIM MORTGAGE LLC | 63 | 22 | 80 | 76 | Independent Mortgage Company |
| 41 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 60 | 17 | 73 | 611 | Independent Mortgage Company |
| 42 | NEW AMERICAN FUNDING, LLC | 60 | 5 | 62 | 333 | Independent Mortgage Company |
| 43 | DAS Acquisition Company, LLC | 60 | 10 | 73 | 261 | Independent Mortgage Company |
| 44 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 60 | 2 | 65 | 136 | Independent Mortgage Company |
| 45 | Click n' Close, Inc. | 56 | 1 | 59 | 429 | Independent Mortgage Company |
| 46 | Luminate Home Loans, Inc. | 56 | 1 | 59 | 209 | Independent Mortgage Company |
| 47 | MOVEMENT MORTGAGE, LLC | 56 | 8 | 70 | 109 | Independent Mortgage Company |
| 48 | EVERETT FINANCIAL, INC. | 56 | 10 | 63 | 68 | Independent Mortgage Company |
| 49 | AMERICAN FINANCIAL RESOURCES, INC. | 56 | 19 | 63 | 66 | Independent Mortgage Company |
| 50 | SENTE MORTGAGE, INC. | 53 | 14 | 52 | 223 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Arkansas.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.