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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 Fayetteville

Updated February 5, 2026

Market Overview

101

Total Lenders

8,823

Total Loans

0.17%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$417	-0.565%	86
2	FLAT BRANCH MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,004	+0.166%	559
3	ASSOCIATED MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,308	+0.169%	288
4	Priority Bank	Exceptional	Strong	Sound	Strong	Exceptional	$2,186	+0.001%	228
5	Generations Bank	Exceptional	Strong	Sound	Strong	Exceptional	$1,315	+0.032%	152
6	First Security Bank	Exceptional	Strong	Strong	Strong	Strong	$1,145	-0.141%	65
7	BANK OF LITTLE ROCK MORTGAGE CORPORATION	Exceptional	Strong	Strong	Strong	Strong	$959	+0.224%	65
8	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,190	-0.016%	65
9	UNITED FEDERAL CREDIT UNION	Exceptional	Strong	Strong	Strong	Strong	$1,321	-0.165%	62
10	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,962	-0.041%	61
11	Truist Bank	Exceptional	Strong	Exceptional	Strong	Sound	$1,343	+0.007%	42
12	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Sound	$741	-0.269%	42
13	Firstar Bank	Exceptional	Strong	Strong	Exceptional	Sound	$1,846	-0.013%	26
14	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,953	+0.218%	665
15	GERSHMAN INVESTMENT CORP.	Strong	Sound	Exceptional	Strong	Strong	$1,605	+0.000%	181
16	First Horizon Bank	Strong	Sound	Exceptional	Strong	Strong	$2,477	+0.032%	122
17	ENCORE BANK	Strong	Strong	Strong	Sound	Strong	$1,599	+0.220%	100
18	The Central Trust Bank	Strong	Sound	Exceptional	Strong	Strong	$1,803	+0.344%	93
19	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,016	-0.087%	79
20	BOKF, National Association	Strong	Sound	Exceptional	Strong	Strong	$1,402	+0.355%	67
21	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,613	-0.120%	45
22	Arvest Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,504	+0.215%	1,176
23	Centennial Bank	Strong	Sound	Strong	Sound	Exceptional	$1,756	+0.115%	418
24	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,167	-0.081%	264
25	MY MOVE MORTGAGE, LLC	Strong	Sound	Strong	Strong	Strong	$2,343	+0.075%	150
26	The First National Bank of Fort Smith	Strong	Sound	Strong	Strong	Strong	$1,842	+0.035%	110
27	Eagle Bank and Trust Company	Strong	Sound	Strong	Strong	Strong	$1,687	+0.116%	94
28	FIRST WESTERN MORTGAGE, INC.	Strong	Strong	Sound	Sound	Strong	$597	+0.001%	75
29	ARKANSAS Federal Credit Union	Strong	Sound	Strong	Strong	Strong	$2,197	-0.040%	62
30	COMMUNITY MORTGAGE CORPORATION	Strong	Sound	Strong	Exceptional	Sound	$2,660	+0.244%	47
31	Cadence Bank	Strong	Sound	Exceptional	Strong	Sound	$1,709	+0.153%	35
32	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Sound	$3,451	+0.217%	31
33	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$1,193	+0.223%	26
34	Gateway First Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,658	+0.149%	185
35	Regions Bank	Strong	Acceptable	Exceptional	Strong	Strong	$1,982	+0.203%	122
36	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	Strong	Acceptable	Exceptional	Strong	Strong	$2,213	+0.301%	101
37	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$4,660	+0.194%	88
38	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,467	+0.287%	87
39	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,292	+0.315%	82
40	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Sound	$1,897	-0.036%	47
41	First Financial Bank	Strong	Sound	Sound	Exceptional	Sound	$2,267	-0.027%	21
42	LENDLO MORTGAGE, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$3,500	+0.498%	403
43	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,374	+0.551%	69
44	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,900	+0.126%	64
45	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,737	+0.610%	63
46	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$420	-0.152%	50
47	LEADERONE FINANCIAL CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,420	+0.527%	41
48	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,835	+0.020%	38
49	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,473	+0.183%	37
50	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Sound	$1,973	-0.079%	30

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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