Safe Rate Rankings

Best Conventional Mortgage Lenders in Little Rock

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 Lenders85

Total Loans8,194

Median Rate Spread0.34%

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