Safe Rate Rankings

Best All Lender Mortgage Lenders in Hot Springs

Updated May 22, 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 Lenders25

Total Loans752

Median Rate Spread0.35%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	First Security BankBank	Exceptional	Exceptional	Strong	Strong	$1,318Fees	0.032%Above	29
2	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,571Fees	0.580%Above	60
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,070Fees	0.051%Above	39
4	ENCORE BANKBank	Strong	Strong	Sound	Strong	$901Fees	0.219%Above	26
5	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$997Fees	0.083%Above	23
6	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,699Fees	0.371%Above	102
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,828Fees	0.315%Above	97
8	ARKANSAS Federal Credit UnionCredit Union	Strong	Sound	Strong	Strong	$2,434Fees	0.076%Above	29
9	Regions BankBank	Strong	Sound	Strong	Strong	$1,929Fees	0.453%Above	28
10	Arvest BankBank	Strong	Acceptable	Strong	Exceptional	$1,630Fees	0.316%Above	60
11	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,717Fees	0.111%Above	23
12	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,495Fees	0.164%Above	40
13	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$5,562Fees	0.832%Above	22

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.