Safe Rate Rankings

Best FHA Mortgage Company 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 Lenders17

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	FIRST WESTERN MORTGAGE, INC.Independent Mortgage Company	Exceptional	Exceptional	Strong	Strong	Strong	$1,772Fees	0.002%Below	53
2	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,620Fees	0.015%Above	61
3	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$4,874Fees	0.081%Below	12
4	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$1,889Fees	0.289%Above	33
5	LENDLO MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$3,121Fees	0.661%Above	28
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$2,199Fees	0.201%Below	17
7	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	Sound	$2,820Fees	0.045%Below	13
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,688Fees	0.513%Above	181
9	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,851Fees	0.265%Above	22
10	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,495Fees	0.421%Above	40
11	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,583Fees	0.736%Above	33
12	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,110Fees	0.269%Above	17
13	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$2,681Fees	0.486%Above	114
14	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,857Fees	0.459%Above	13
15	ON Q FINANCIAL, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,230Fees	1.006%Above	13
16	AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Exceptional	Sound	Acceptable	$4,376Fees	0.854%Above	11
17	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.