Safe Rate Rankings

Best Conventional Mortgage 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 Lenders40

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	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$647Fees	0.435%Below	20
3	UNITED FEDERAL CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Strong	Strong	$1,392Fees	0.274%Above	51
4	Cadence BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,735Fees	0.321%Above	91
5	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$1,889Fees	0.289%Above	33
6	Arvest BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,107Fees	0.378%Above	287
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,688Fees	0.513%Above	181
8	The First National Bank of Fort SmithBank	Strong	Sound	Strong	Strong	Strong	$1,690Fees	0.250%Above	100
9	First Financial BankBank	Strong	Sound	Sound	Exceptional	Strong	$2,342Fees	0.128%Above	72
10	FIRST WESTERN MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Sound	Sound	Strong	$1,772Fees	0.002%Below	53
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,851Fees	0.265%Above	22
12	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,122Fees	0.291%Above	14
13	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Acceptable	$3,467Fees	0.038%Below	11
14	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,681Fees	0.486%Above	114
15	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,620Fees	0.015%Above	61
16	ARKANSAS Federal Credit UnionCredit Union	Strong	Sound	Strong	Strong	Sound	$2,188Fees	0.148%Below	26
17	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,199Fees	0.201%Below	17
18	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,495Fees	0.421%Above	40
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,583Fees	0.736%Above	33
20	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,010Fees	0.252%Above	30
21	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,110Fees	0.269%Above	17
22	Centennial BankBank	Strong	Sound	Strong	Sound	Sound	$2,165Fees	0.294%Above	15
23	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,593Fees	0.643%Above	14
24	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$549Credit	0.598%Above	80
25	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,793Fees	0.609%Above	17
26	Chambers BankBank	Strong	Sound	Sound	Sound	Sound	$1,980Fees	0.166%Above	17
27	LENDLO MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$3,121Fees	0.661%Above	28
28	Bank of EnglandBank	Sound	Acceptable	Strong	Sound	Sound	$1,888Fees	0.074%Above	27
29	Simmons BankBank	Sound	Acceptable	Strong	Sound	Sound	$2,092Fees	0.435%Above	19
30	Armstrong BankBank	Sound	Mediocre	Sound	Sound	Sound	$2,090Fees	0.740%Above	25
31	Farm Credit Services of Western Arkansas, ACAIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Sound	$3,007Fees	0.510%Above	17

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.