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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 FHA 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	The First National Bank of Fort Smith	Exceptional	Exceptional	Strong	Strong	Strong	$1,690	+0.250%	100
3	FIRST WESTERN MORTGAGE, INC.	Exceptional	Exceptional	Strong	Strong	Strong	$1,772	-0.002%	53
4	Cadence Bank	Exceptional	Strong	Exceptional	Strong	Strong	$1,735	+0.321%	91
5	Arvest Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,107	+0.378%	287
6	First Financial Bank	Exceptional	Strong	Strong	Strong	Strong	$2,342	+0.128%	72
7	SWBC MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,620	+0.015%	61
8	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Sound	$4,874	-0.081%	12
9	UNITED FEDERAL CREDIT UNION	Strong	Strong	Strong	Sound	Strong	$1,392	+0.274%	51
10	FLAT BRANCH MORTGAGE, INC.	Strong	Sound	Exceptional	Exceptional	Sound	$1,889	+0.289%	33
11	LENDLO MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	Sound	$3,121	+0.661%	28
12	Simmons Bank	Strong	Strong	Strong	Strong	Sound	$2,092	+0.435%	19
13	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	Sound	$2,199	-0.201%	17
14	PENNYMAC LOAN SERVICES, LLC	Strong	Strong	Exceptional	Sound	Sound	$2,820	-0.045%	13
15	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,688	+0.513%	181
16	Bank of England	Strong	Sound	Exceptional	Strong	Sound	$1,888	+0.074%	27
17	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Sound	$2,851	+0.265%	22
18	Chambers Bank	Strong	Strong	Sound	Strong	Sound	$1,980	+0.166%	17
19	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,495	+0.421%	40
20	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,583	+0.736%	33
21	Regions Bank	Strong	Sound	Exceptional	Sound	Sound	$2,010	+0.252%	30
22	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,110	+0.269%	17
23	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	Strong	Mediocre	Exceptional	Exceptional	Strong	$2,681	+0.486%	114
24	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$2,857	+0.459%	13
25	ON Q FINANCIAL, LLC	Strong	Acceptable	Strong	Strong	Sound	$3,230	+1.006%	13
26	AMERISAVE MORTGAGE CORPORATION	Sound	Acceptable	Exceptional	Sound	Acceptable	$4,376	+0.854%	11
27	NEW AMERICAN FUNDING, LLC	Sound	Mediocre	Exceptional	Sound	Sound	$2,793	+0.609%	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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