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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 Bank Mortgage Lenders in Fayetteville

Updated February 5, 2026

Market Overview

Total Lenders

3,818

Total Loans

0.06%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	First Security Bank	Exceptional	Exceptional	Strong	Strong	$1,145	-0.141%	65
2	Priority Bank	Exceptional	Strong	Strong	Exceptional	$2,186	+0.001%	228
3	Generations Bank	Exceptional	Strong	Strong	Exceptional	$1,315	+0.032%	152
4	NBKC BANK	Strong	Exceptional	Sound	Sound	$741	-0.269%	42
5	Firstar Bank	Strong	Strong	Exceptional	Sound	$1,846	-0.013%	26
6	ENCORE BANK	Strong	Strong	Sound	Strong	$1,599	+0.220%	100
7	Eagle Bank and Trust Company	Strong	Sound	Exceptional	Strong	$1,687	+0.116%	94
8	U.S. Bank National Association	Strong	Strong	Strong	Sound	$1,190	-0.016%	65
9	Bank of America, National Association	Strong	Strong	Strong	Sound	$1,962	-0.041%	61
10	Truist Bank	Strong	Strong	Strong	Sound	$1,343	+0.007%	42
11	Centennial Bank	Strong	Sound	Sound	Exceptional	$1,756	+0.115%	418
12	First Horizon Bank	Strong	Sound	Strong	Strong	$2,477	+0.032%	122
13	Regions Bank	Strong	Sound	Strong	Strong	$1,982	+0.203%	122
14	The First National Bank of Fort Smith	Strong	Sound	Strong	Strong	$1,842	+0.035%	110
15	Simmons Bank	Strong	Sound	Strong	Strong	$2,567	+0.235%	101
16	The Central Trust Bank	Strong	Sound	Strong	Strong	$1,803	+0.344%	93
17	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Strong	$2,016	-0.087%	79
18	Wells Fargo Bank, National Association	Strong	Strong	Sound	Sound	$2,613	-0.120%	45
19	Arvest Bank	Strong	Acceptable	Strong	Exceptional	$1,504	+0.215%	1,176
20	Cadence Bank	Strong	Sound	Strong	Sound	$1,709	+0.153%	35
21	SOFI BANK, NATIONAL ASSOCIATION	Strong	Strong	Acceptable	Sound	$609	+0.102%	23
22	First Financial Bank	Strong	Sound	Strong	Sound	$2,267	-0.027%	21
23	Gateway First Bank	Strong	Acceptable	Strong	Strong	$2,658	+0.149%	185
24	BOKF, National Association	Strong	Acceptable	Strong	Strong	$1,402	+0.355%	67
25	USAA Federal Savings Bank	Strong	Sound	Sound	Sound	$1,743	-0.133%	46
26	Plains Commerce Bank	Sound	Acceptable	Strong	Sound	$2,835	+0.020%	38
27	First Community Bank	Sound	Acceptable	Strong	Sound	$2,765	+0.372%	33
28	Bank of England	Sound	Acceptable	Strong	Sound	$1,974	+0.133%	31
29	Flagstar Bank, N.A.	Sound	Acceptable	Strong	Sound	$1,973	-0.079%	30
30	CORNERSTONE CAPITAL BANK, SSB	Sound	Acceptable	Strong	Sound	$3,632	+0.358%	24
31	Armstrong Bank	Sound	Mediocre	Acceptable	Sound	$2,651	+0.242%	20

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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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