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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 Conventional Mortgage Lenders in Fort Smith

Updated February 5, 2026

Market Overview

Total Lenders

2,045

Total Loans

0.34%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	Firstar Bank	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,390	+0.098%	396
2	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$647	-0.435%	20
3	UNITED FEDERAL CREDIT UNION	Exceptional	Strong	Strong	Strong	Strong	$1,392	+0.274%	51
4	Cadence Bank	Strong	Sound	Exceptional	Strong	Strong	$1,735	+0.321%	91
5	FLAT BRANCH MORTGAGE, INC.	Strong	Sound	Exceptional	Exceptional	Sound	$1,889	+0.289%	33
6	Arvest Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,107	+0.378%	287
7	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,688	+0.513%	181
8	The First National Bank of Fort Smith	Strong	Sound	Strong	Strong	Strong	$1,690	+0.250%	100
9	First Financial Bank	Strong	Sound	Sound	Exceptional	Strong	$2,342	+0.128%	72
10	FIRST WESTERN MORTGAGE, INC.	Strong	Strong	Sound	Sound	Strong	$1,772	-0.002%	53
11	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Sound	$2,851	+0.265%	22
12	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Sound	$2,122	+0.291%	14
13	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Acceptable	$3,467	-0.038%	11
14	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	Strong	Acceptable	Exceptional	Strong	Strong	$2,681	+0.486%	114
15	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,620	+0.015%	61
16	ARKANSAS Federal Credit Union	Strong	Sound	Strong	Strong	Sound	$2,188	-0.148%	26
17	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,199	-0.201%	17
18	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,495	+0.421%	40
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,583	+0.736%	33
20	Regions Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,010	+0.252%	30
21	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,110	+0.269%	17
22	Centennial Bank	Strong	Sound	Strong	Sound	Sound	$2,165	+0.294%	15
23	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,593	+0.643%	14
24	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	-$549	+0.598%	80
25	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,793	+0.609%	17
26	Chambers Bank	Strong	Sound	Sound	Sound	Sound	$1,980	+0.166%	17
27	LENDLO MORTGAGE, LLC	Sound	Acceptable	Strong	Sound	Sound	$3,121	+0.661%	28
28	Bank of England	Sound	Acceptable	Strong	Sound	Sound	$1,888	+0.074%	27
29	Simmons Bank	Sound	Acceptable	Strong	Sound	Sound	$2,092	+0.435%	19
30	Armstrong Bank	Sound	Mediocre	Sound	Sound	Sound	$2,090	+0.740%	25
31	Farm Credit Services of Western Arkansas, ACA	Sound	Mediocre	Sound	Sound	Sound	$3,007	+0.510%	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.

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Fort Smith, ARConventional

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