Safe Rate Rankings

Best Bank Mortgage Lenders in Little Rock

Updated June 2, 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 Lenders85

Total Loans8,194

Median Rate Spread0.34%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	First Security BankBank	Exceptional	Exceptional	Strong	Exceptional	$2,134Fees	0.195%Below	170
2	Eagle Bank and Trust CompanyBank	Strong	Sound	Exceptional	Exceptional	$2,276Fees	0.182%Above	445
3	ENCORE BANKBank	Strong	Strong	Sound	Exceptional	$760Fees	0.240%Above	226
4	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$1,014Fees	0.157%Above	89
5	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,126Fees	0.157%Below	67
6	NBKC BANKBank	Strong	Exceptional	Sound	Sound	$430Fees	0.101%Below	34
7	First Horizon BankBank	Strong	Sound	Strong	Exceptional	$1,466Fees	0.120%Above	203
8	Simmons BankBank	Strong	Sound	Strong	Exceptional	$1,720Fees	0.371%Above	174
9	Chambers BankBank	Strong	Sound	Strong	Exceptional	$2,157Fees	0.120%Below	95
10	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,068Fees	0.188%Above	50
11	Centennial BankBank	Strong	Sound	Sound	Exceptional	$1,665Fees	0.296%Above	241
12	Regions BankBank	Strong	Sound	Strong	Strong	$1,948Fees	0.343%Above	168
13	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,288Fees	0.122%Above	86
14	Cadence BankBank	Strong	Sound	Strong	Strong	$1,677Fees	0.211%Above	78
15	The First National Bank of Fort SmithBank	Strong	Sound	Strong	Strong	$1,363Fees	0.120%Above	46
16	Arvest BankBank	Strong	Acceptable	Strong	Exceptional	$1,743Fees	0.321%Above	532
17	Bank of EnglandBank	Strong	Acceptable	Strong	Exceptional	$1,707Fees	0.308%Above	222
18	First Community BankBank	Strong	Acceptable	Strong	Exceptional	$3,385Fees	0.190%Above	172
19	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$1,391Fees	0.161%Below	76
20	First Financial BankBank	Strong	Sound	Strong	Sound	$1,163Fees	0.075%Below	25
21	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Acceptable	Strong	Strong	$4,463Fees	0.974%Above	55
22	Gateway First BankBank	Sound	Acceptable	Strong	Sound	$2,063Fees	0.452%Above	29
23	Bank OZKBank	Sound	Sound	Mediocre	Sound	$2,101Fees	0.271%Above	24
24	The Federal Savings BankBank	Sound	Mediocre	Sound	Sound	$2,644Fees	0.379%Above	29

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.