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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 FHA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Priority Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $2,186 | +0.001% | 228 | |
2 | The First National Bank of Fort Smith | Exceptional | Exceptional | Strong | Strong | Strong | $1,842 | +0.035% | 110 | |
3 | FIRST WESTERN MORTGAGE, INC. | Exceptional | Exceptional | Strong | Strong | Strong | $597 | +0.001% | 75 | |
4 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,004 | +0.166% | 559 | |
5 | LENDLO MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,500 | +0.498% | 403 | |
6 | ASSOCIATED MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,308 | +0.169% | 288 | |
7 | ENCORE BANK | Exceptional | Exceptional | Strong | Sound | Strong | $1,599 | +0.220% | 100 | |
8 | Arvest Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,504 | +0.215% | 1,176 | |
9 | Centennial Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,756 | +0.115% | 418 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,167 | -0.081% | 264 | |
11 | First Horizon Bank | Exceptional | Strong | Strong | Strong | Strong | $2,477 | +0.032% | 122 | |
12 | Simmons Bank | Exceptional | Strong | Strong | Strong | Strong | $2,567 | +0.235% | 101 | |
13 | Eagle Bank and Trust Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,687 | +0.116% | 94 | |
14 | BANK OF LITTLE ROCK MORTGAGE CORPORATION | Exceptional | Strong | Strong | Strong | Strong | $959 | +0.224% | 65 | |
15 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $3,825 | +0.424% | 48 | |
16 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,709 | +0.153% | 35 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,953 | +0.218% | 665 | |
18 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Exceptional | Strong | Strong | $1,605 | +0.000% | 181 | |
19 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $1,803 | +0.344% | 93 | |
20 | UNITED FEDERAL CREDIT UNION | Strong | Strong | Strong | Sound | Strong | $1,321 | -0.165% | 62 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,897 | -0.036% | 47 | |
22 | MORTGAGE ASSURANCE, INC. | Strong | Strong | Strong | Strong | Sound | $1,953 | +0.198% | 28 | |
23 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,343 | +0.075% | 150 | |
24 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $1,982 | +0.203% | 122 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,467 | +0.287% | 87 | |
26 | COMMUNITY MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Sound | $2,660 | +0.244% | 47 | |
27 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $2,835 | +0.020% | 38 | |
28 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,451 | +0.217% | 31 | |
29 | Bank of England | Strong | Sound | Exceptional | Strong | Sound | $1,974 | +0.133% | 31 | |
30 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,658 | +0.149% | 185 | |
31 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,292 | +0.315% | 82 | |
32 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $1,527 | +0.369% | 25 | |
33 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,019 | +0.439% | 22 | |
34 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,213 | +0.301% | 101 | |
35 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,849 | +0.718% | 100 | |
36 | BOKF, National Association | Strong | Acceptable | Strong | Strong | Strong | $1,402 | +0.355% | 67 | |
37 | American Mortgage Bank, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,510 | +0.738% | 48 | |
38 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,390 | +0.217% | 43 | |
39 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,221 | +0.523% | 19 | |
40 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $1,193 | +0.223% | 26 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,374 | +0.551% | 69 | |
42 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,900 | +0.126% | 64 | |
43 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,737 | +0.610% | 63 | |
44 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,848 | +0.470% | 44 | |
45 | LEADERONE FINANCIAL CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $3,420 | +0.527% | 41 |
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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