Safe Rate Rankings

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