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Safe Rate's TrueRank Guarantee
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 FHA Mortgage Lenders in Little Rock
Updated February 5, 2026
Market Overview
85
Total Lenders
8,194
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ENCORE BANK | Exceptional | Exceptional | Strong | Sound | Exceptional | $760 | +0.240% | 226 | |
2 | First Security Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $2,134 | -0.195% | 170 | |
3 | The First National Bank of Fort Smith | Exceptional | Exceptional | Strong | Strong | Strong | $1,363 | +0.120% | 46 | |
4 | Eagle Bank and Trust Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,276 | +0.182% | 445 | |
5 | LENDLO MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,900 | +0.140% | 356 | |
6 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,153 | +0.406% | 333 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,604 | -0.118% | 233 | |
8 | BANK OF LITTLE ROCK MORTGAGE CORPORATION | Exceptional | Strong | Strong | Strong | Exceptional | $1,033 | +0.194% | 229 | |
9 | First Horizon Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,466 | +0.120% | 203 | |
10 | Simmons Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,720 | +0.371% | 174 | |
11 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,677 | +0.211% | 78 | |
12 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,453 | +0.477% | 76 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,682 | +0.552% | 63 | |
14 | Arvest Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,743 | +0.321% | 532 | |
15 | Centennial Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,665 | +0.296% | 241 | |
16 | Bank of England | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,707 | +0.308% | 222 | |
17 | COMMUNITY MORTGAGE CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,387 | +0.102% | 134 | |
18 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,190 | -0.030% | 124 | |
19 | Chambers Bank | Exceptional | Strong | Sound | Strong | Exceptional | $2,157 | -0.120% | 95 | |
20 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,014 | +0.157% | 89 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,834 | +0.453% | 655 | |
22 | First Community Bank | Strong | Sound | Strong | Strong | Exceptional | $3,385 | +0.190% | 172 | |
23 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,585 | +0.637% | 78 | |
24 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Exceptional | Strong | Strong | $1,298 | -0.005% | 49 | |
25 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $4,689 | +0.437% | 24 | |
26 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $1,948 | +0.343% | 168 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,900 | +0.608% | 66 | |
28 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,749 | +0.437% | 57 | |
29 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,463 | +0.974% | 55 | |
30 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,001 | +0.335% | 54 | |
31 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,272 | +0.400% | 52 | |
32 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,214 | +0.260% | 44 | |
33 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,292 | +0.161% | 319 | |
34 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,336 | +0.374% | 96 | |
35 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,062 | +0.359% | 94 | |
36 | PILGRIM MORTGAGE LLC | Strong | Acceptable | Strong | Exceptional | Strong | $3,161 | +0.676% | 62 | |
37 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,851 | +0.855% | 35 | |
38 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,572 | +0.579% | 144 | |
39 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,644 | +0.438% | 30 | |
40 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,063 | +0.452% | 29 | |
41 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,569 | +0.627% | 26 | |
42 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,675 | +0.585% | 26 | |
43 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,905 | +0.992% | 21 | |
44 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,097 | +0.427% | 21 | |
45 | SENTE MORTGAGE, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,526 | +0.477% | 145 | |
46 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $4,635 | +0.951% | 96 | |
47 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,231 | +0.554% | 76 | |
48 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,922 | +0.782% | 62 | |
49 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $5,072 | +1.067% | 33 | |
50 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,864 | +0.651% | 30 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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