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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 Mortgage Lenders in Fort Smith
Updated February 5, 2026
Market Overview
40
Total Lenders
2,045
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Firstar Bank | Exceptional | Strong | Exceptional | Exceptional | $1,390 | +0.098% | 396 | |
2 | FIRST WESTERN MORTGAGE, INC. | Exceptional | Exceptional | Sound | Strong | $1,772 | -0.002% | 53 | |
3 | UNITED FEDERAL CREDIT UNION | Strong | Strong | Strong | Strong | $1,392 | +0.274% | 51 | |
4 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $647 | -0.435% | 20 | |
5 | The First National Bank of Fort Smith | Strong | Sound | Strong | Strong | $1,690 | +0.250% | 100 | |
6 | Cadence Bank | Strong | Sound | Strong | Strong | $1,735 | +0.321% | 91 | |
7 | First Financial Bank | Strong | Sound | Strong | Strong | $2,342 | +0.128% | 72 | |
8 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Sound | $1,889 | +0.289% | 33 | |
9 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Sound | $3,121 | +0.661% | 28 | |
10 | Arvest Bank | Strong | Acceptable | Strong | Exceptional | $2,107 | +0.378% | 287 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,688 | +0.513% | 181 | |
12 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,620 | +0.015% | 61 | |
13 | Regions Bank | Strong | Sound | Strong | Sound | $2,010 | +0.252% | 30 | |
14 | ARKANSAS Federal Credit Union | Strong | Sound | Strong | Sound | $2,188 | -0.148% | 26 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $2,851 | +0.265% | 22 | |
16 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | -$549 | +0.598% | 80 | |
17 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $3,495 | +0.421% | 40 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $3,583 | +0.736% | 33 | |
19 | Bank of England | Sound | Acceptable | Strong | Sound | $1,888 | +0.074% | 27 | |
20 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Sound | Mediocre | Strong | Strong | $2,681 | +0.486% | 114 | |
21 | Armstrong Bank | Sound | Mediocre | Acceptable | Sound | $2,090 | +0.740% | 25 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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