# Best Conventional Mortgage Lenders in Little Rock

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

Compare the top Conventional mortgage lenders in Little Rock. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/little-rock/best-mortgage-lenders/conventional-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:** 85
- **Total Loans:** 8,194
- **Median Rate Spread:** 0.33841975308641975%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FLAT BRANCH MORTGAGE, INC. | 88 | 59 | 84 | 333 | Independent Mortgage Company |
| 2 | BANK OF LITTLE ROCK MORTGAGE CORPORATION | 85 | 72 | 61 | 229 | Independent Mortgage Company |
| 3 | First Security Bank | 85 | 75 | 63 | 170 | Bank |
| 4 | U.S. Bank National Association | 85 | 75 | 69 | 89 | Bank |
| 5 | Bank of America, National Association | 85 | 71 | 67 | 67 | Bank |
| 6 | First Horizon Bank | 83 | 57 | 65 | 203 | Bank |
| 7 | COMMUNITY MORTGAGE CORPORATION | 83 | 41 | 80 | 134 | Independent Mortgage Company |
| 8 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 82 | Credit Union |
| 9 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 655 | Independent Mortgage Company |
| 10 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 233 | Independent Mortgage Company |
| 11 | Eagle Bank and Trust Company | 79 | 42 | 78 | 445 | Bank |
| 12 | ARKANSAS Federal Credit Union | 79 | 52 | 77 | 280 | Credit Union |
| 13 | ENCORE BANK | 79 | 63 | 50 | 226 | Bank |
| 14 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 86 | Bank |
| 15 | Cadence Bank | 79 | 48 | 71 | 78 | Bank |
| 16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 40 | 74 | 63 | Independent Mortgage Company |
| 17 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 50 | Bank |
| 18 | GERSHMAN INVESTMENT CORP. | 79 | 53 | 74 | 49 | Independent Mortgage Company |
| 19 | Arvest Bank | 75 | 37 | 68 | 532 | Bank |
| 20 | The First National Bank of Fort Smith | 74 | 48 | 67 | 46 | Bank |
| 21 | Centennial Bank | 73 | 47 | 53 | 241 | Bank |
| 22 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 124 | Independent Mortgage Company |
| 23 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 44 | Independent Mortgage Company |
| 24 | NBKC BANK | 73 | 90 | 49 | 34 | Bank |
| 25 | First Community Bank | 71 | 25 | 65 | 172 | Bank |
| 26 | Regions Bank | 71 | 39 | 64 | 168 | Bank |
| 27 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 71 | 20 | 68 | 144 | Independent Mortgage Company |
| 28 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 96 | Independent Mortgage Company |
| 29 | GUILD MORTGAGE COMPANY LLC | 71 | 25 | 77 | 94 | Independent Mortgage Company |
| 30 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 76 | Independent Mortgage Company |
| 31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 66 | Independent Mortgage Company |
| 32 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 62 | Independent Mortgage Company |
| 33 | FIRST COMMUNITY MORTGAGE, INC. | 71 | 31 | 79 | 57 | Independent Mortgage Company |
| 34 | T2 FINANCIAL LLC | 71 | 26 | 77 | 54 | Independent Mortgage Company |
| 35 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 76 | Independent Mortgage Company |
| 36 | Chambers Bank | 68 | 53 | 48 | 95 | Bank |
| 37 | First Financial Bank | 68 | 45 | 81 | 25 | Bank |
| 38 | MORTGAGE FINANCIAL SERVICES, LLC | 67 | 26 | 70 | 78 | Independent Mortgage Company |
| 39 | PILGRIM MORTGAGE LLC | 67 | 22 | 69 | 62 | Independent Mortgage Company |
| 40 | LENDLO MORTGAGE, LLC | 66 | 22 | 59 | 356 | Independent Mortgage Company |
| 41 | Mortgage Research Center, LLC | 66 | 34 | 43 | 319 | Independent Mortgage Company |
| 42 | Bank of England | 66 | 28 | 51 | 222 | Bank |
| 43 | Simmons Bank | 66 | 39 | 54 | 174 | Bank |
| 44 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 85 | Independent Mortgage Company |
| 45 | NEWREZ LLC | 66 | 31 | 58 | 52 | Independent Mortgage Company |
| 46 | SWBC MORTGAGE CORPORATION | 66 | 33 | 78 | 39 | Independent Mortgage Company |
| 47 | LOWER, LLC | 66 | 33 | 66 | 39 | Independent Mortgage Company |
| 48 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 66 | 21 | 68 | 32 | Independent Mortgage Company |
| 49 | Sierra Pacific Mortgage Company, Inc. | 66 | 33 | 70 | 30 | Independent Mortgage Company |
| 50 | Gateway First Bank | 66 | 27 | 75 | 29 | 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. **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.