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Safe Rate's TrueRank Guarantee
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 Hot Springs
Updated February 6, 2026
Market Overview
25
Total Lenders
752
Total Loans
0.35%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,571 | +0.580% | 60 | |
2 | First Security Bank | Exceptional | Strong | Strong | Strong | Strong | $1,318 | +0.032% | 29 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $997 | +0.083% | 23 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,828 | +0.315% | 97 | |
5 | ENCORE BANK | Strong | Strong | Strong | Sound | Strong | $901 | +0.219% | 26 | |
6 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $2,370 | +0.463% | 16 | |
7 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,659 | -0.038% | 14 | |
8 | GMFS LLC | Strong | Sound | Exceptional | Exceptional | Sound | $2,101 | +0.363% | 10 | |
9 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,699 | +0.371% | 102 | |
10 | Arvest Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,630 | +0.316% | 60 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,070 | +0.051% | 39 | |
12 | ARKANSAS Federal Credit Union | Strong | Sound | Strong | Strong | Strong | $2,434 | +0.076% | 29 | |
13 | COMMUNITY MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Sound | $2,321 | +0.254% | 19 | |
14 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,929 | +0.453% | 28 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,717 | +0.111% | 23 | |
16 | Eagle Bank and Trust Company | Strong | Sound | Strong | Strong | Sound | $1,531 | +0.419% | 12 | |
17 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $5,562 | +0.832% | 22 | |
18 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Sound | $4,569 | +0.795% | 14 | |
19 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,502 | +0.208% | 14 | |
20 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,495 | +0.164% | 40 | |
21 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,440 | -0.022% | 12 | |
22 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,454 | +1.073% | 18 | |
23 | Simmons Bank | Sound | Acceptable | Strong | Sound | Sound | $1,922 | +0.235% | 11 | |
24 | Southern Bancorp Bank | Sound | Mediocre | Sound | Sound | Strong | $505 | +1.119% | 19 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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