# Best FHA Mortgage Lenders in Hot Springs, AR

**As of:** 2026-05-22

Compare the top FHA mortgage lenders in Hot Springs, AR. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/hot-springs-ar/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 25
- **Total Loans:** 752
- **Median Rate Spread:** 0.353%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 89 | 61 | 79 | 60 | Independent Mortgage Company |
| 2 | SWBC MORTGAGE CORPORATION | 88 | 42 | 83 | 102 | Independent Mortgage Company |
| 3 | Arvest Bank | 83 | 59 | 71 | 60 | Bank |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 52 | 81 | 39 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 97 | Independent Mortgage Company |
| 6 | First Security Bank | 79 | 93 | 57 | 29 | Bank |
| 7 | Regions Bank | 73 | 60 | 59 | 28 | Bank |
| 8 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 23 | Independent Mortgage Company |
| 9 | COMMUNITY MORTGAGE CORPORATION | 73 | 51 | 87 | 19 | Independent Mortgage Company |
| 10 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 59 | 18 | 81 | 14 | Independent Mortgage Company |
| 11 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 56 | 9 | 74 | 22 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Hot Springs, AR.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.