Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Fort Smith

Updated February 5, 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 Lenders13

Total Loans2,045

Median Rate Spread0.34%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Firstar BankBank	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,390Fees	0.098%Above	396
2	Cadence BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,735Fees	0.321%Above	91
3	Arvest BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,107Fees	0.378%Above	287
4	The First National Bank of Fort SmithBank	Strong	Sound	Strong	Strong	Strong	$1,690Fees	0.250%Above	100
5	First Financial BankBank	Strong	Sound	Sound	Exceptional	Strong	$2,342Fees	0.128%Above	72
6	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,122Fees	0.291%Above	14
7	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Acceptable	$3,467Fees	0.038%Below	11
8	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,010Fees	0.252%Above	30
9	Centennial BankBank	Strong	Sound	Strong	Sound	Sound	$2,165Fees	0.294%Above	15
10	Chambers BankBank	Strong	Sound	Sound	Sound	Sound	$1,980Fees	0.166%Above	17
11	Bank of EnglandBank	Sound	Acceptable	Strong	Sound	Sound	$1,888Fees	0.074%Above	27
12	Simmons BankBank	Sound	Acceptable	Strong	Sound	Sound	$2,092Fees	0.435%Above	19
13	Armstrong BankBank	Sound	Mediocre	Sound	Sound	Sound	$2,090Fees	0.740%Above	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 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.