# Best Bank Mortgage Lenders in Little Rock

**As of:** 2026-06-02

Compare the top banks offering mortgages in Little Rock. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/little-rock/best-mortgage-lenders/banks


> **📋 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:** 85
- **Total Loans:** 8,194
- **Median Rate Spread:** 0.33841975308641975%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | First Security Bank | 93 | 82 | 67 | 170 | Bank |
| 2 | Eagle Bank and Trust Company | 84 | 45 | 86 | 445 | Bank |
| 3 | U.S. Bank National Association | 80 | 75 | 71 | 89 | Bank |
| 4 | Bank of America, National Association | 80 | 73 | 75 | 67 | Bank |
| 5 | ENCORE BANK | 78 | 65 | 52 | 226 | Bank |
| 6 | First Horizon Bank | 78 | 49 | 68 | 203 | Bank |
| 7 | Simmons Bank | 78 | 44 | 61 | 174 | Bank |
| 8 | Chambers Bank | 78 | 56 | 63 | 95 | Bank |
| 9 | Regions Bank | 73 | 41 | 64 | 168 | Bank |
| 10 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 86 | Bank |
| 11 | Cadence Bank | 73 | 47 | 73 | 78 | Bank |
| 12 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 50 | Bank |
| 13 | The First National Bank of Fort Smith | 73 | 59 | 67 | 46 | Bank |
| 14 | Centennial Bank | 71 | 48 | 56 | 241 | Bank |
| 15 | NBKC BANK | 71 | 91 | 59 | 34 | Bank |
| 16 | Arvest Bank | 68 | 39 | 71 | 532 | Bank |
| 17 | Bank of England | 68 | 33 | 64 | 222 | Bank |
| 18 | First Community Bank | 68 | 32 | 64 | 172 | Bank |
| 19 | First Financial Bank | 66 | 49 | 70 | 25 | Bank |
| 20 | USAA Federal Savings Bank | 66 | 54 | 45 | 76 | Bank |
| 21 | CORNERSTONE CAPITAL BANK, SSB | 63 | 23 | 79 | 55 | Bank |
| 22 | Gateway First Bank | 58 | 29 | 79 | 29 | Bank |
| 23 | The Federal Savings Bank | 42 | 16 | 49 | 29 | Bank |
| 24 | Bank OZK | 42 | 45 | 15 | 24 | Bank |

## 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 Little Rock.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.