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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 Little Rock

Updated February 5, 2026

Market Overview

Total Lenders

8,194

Total Loans

0.34%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$885	-0.492%	82
2	FLAT BRANCH MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,153	+0.406%	333
3	BANK OF LITTLE ROCK MORTGAGE CORPORATION	Exceptional	Strong	Strong	Strong	Exceptional	$1,033	+0.194%	229
4	First Security Bank	Exceptional	Strong	Strong	Strong	Exceptional	$2,134	-0.195%	170
5	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,014	+0.157%	89
6	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,126	-0.157%	67
7	ENCORE BANK	Exceptional	Strong	Strong	Sound	Exceptional	$760	+0.240%	226
8	First Horizon Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,466	+0.120%	203
9	COMMUNITY MORTGAGE CORPORATION	Exceptional	Sound	Strong	Exceptional	Exceptional	$2,387	+0.102%	134
10	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$2,068	+0.188%	50
11	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Sound	$430	-0.101%	34
12	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,834	+0.453%	655
13	Eagle Bank and Trust Company	Strong	Sound	Strong	Strong	Exceptional	$2,276	+0.182%	445
14	ARKANSAS Federal Credit Union	Strong	Sound	Strong	Strong	Exceptional	$2,557	-0.069%	280
15	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,604	-0.118%	233
16	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$1,288	+0.122%	86
17	Cadence Bank	Strong	Sound	Exceptional	Strong	Strong	$1,677	+0.211%	78
18	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$3,682	+0.552%	63
19	GERSHMAN INVESTMENT CORP.	Strong	Sound	Exceptional	Strong	Strong	$1,298	-0.005%	49
20	Arvest Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,743	+0.321%	532
21	Centennial Bank	Strong	Sound	Strong	Sound	Exceptional	$1,665	+0.296%	241
22	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,190	-0.030%	124
23	The First National Bank of Fort Smith	Strong	Sound	Strong	Strong	Strong	$1,363	+0.120%	46
24	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Sound	$2,214	+0.260%	44
25	First Community Bank	Strong	Acceptable	Strong	Strong	Exceptional	$3,385	+0.190%	172
26	Regions Bank	Strong	Acceptable	Exceptional	Strong	Strong	$1,948	+0.343%	168
27	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	Strong	Acceptable	Exceptional	Strong	Strong	$3,572	+0.579%	144
28	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,336	+0.374%	96
29	Chambers Bank	Strong	Sound	Sound	Sound	Exceptional	$2,157	-0.120%	95
30	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,062	+0.359%	94
31	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,231	+0.554%	76
32	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$3,453	+0.477%	76
33	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,900	+0.608%	66
34	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,922	+0.782%	62
35	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,749	+0.437%	57
36	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,001	+0.335%	54
37	First Financial Bank	Strong	Sound	Sound	Exceptional	Sound	$1,163	-0.075%	25
38	LENDLO MORTGAGE, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$2,900	+0.140%	356
39	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$2,292	+0.161%	319
40	Bank of England	Strong	Acceptable	Strong	Sound	Exceptional	$1,707	+0.308%	222
41	Simmons Bank	Strong	Acceptable	Strong	Sound	Exceptional	$1,720	+0.371%	174
42	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,094	+0.750%	85
43	MORTGAGE FINANCIAL SERVICES, LLC	Strong	Acceptable	Strong	Strong	Strong	$2,585	+0.637%	78
44	PILGRIM MORTGAGE LLC	Strong	Acceptable	Strong	Strong	Strong	$3,161	+0.676%	62
45	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,272	+0.400%	52
46	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,847	+0.277%	39
47	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,288	+0.080%	39
48	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,932	+1.114%	32
49	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$2,644	+0.438%	30
50	Gateway First Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,063	+0.452%	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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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