Safe Rate Rankings

Best Conventional Mortgage Lenders in Fayetteville

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders101

Total Loans8,823

Median Rate Spread0.17%

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