Safe Rate Rankings

Best USDA 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.
Total Lenders101
Total Loans8,823
Median Rate Spread0.17%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
LENDLO MORTGAGE, LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Exceptional
Exceptional
$3,500Fees
0.498%Above
403
2
Priority BankBank
Exceptional
Strong
Strong
Strong
Exceptional
$2,186Fees
0.001%Above
228
3
FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company
Exceptional
Sound
Exceptional
Strong
Exceptional
$2,004Fees
0.166%Above
559
4
Arvest BankBank
Strong
Acceptable
Exceptional
Strong
Exceptional
$1,504Fees
0.215%Above
1,176
5
Gateway First BankBank
Strong
Acceptable
Exceptional
Strong
Strong
$2,658Fees
0.149%Above
185
6
CORNERSTONE CAPITAL BANK, SSBBank
Strong
Acceptable
Exceptional
Strong
Sound
$3,632Fees
0.358%Above
24
7
HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$2,213Fees
0.301%Above
101

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.