# Best USDA Mortgage Lenders in Little Rock

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

Compare the top USDA 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/usda-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 | LENDLO MORTGAGE, LLC | 95 | 63 | 85 | 356 | Independent Mortgage Company |
| 2 | Eagle Bank and Trust Company | 89 | 66 | 71 | 445 | Bank |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 62 | 75 | 233 | Independent Mortgage Company |
| 4 | First Security Bank | 89 | 82 | 74 | 170 | Bank |
| 5 | FLAT BRANCH MORTGAGE, INC. | 83 | 56 | 78 | 333 | Independent Mortgage Company |
| 6 | First Horizon Bank | 79 | 49 | 68 | 203 | Bank |
| 7 | Chambers Bank | 79 | 56 | 63 | 95 | Bank |
| 8 | T2 FINANCIAL LLC | 71 | 33 | 74 | 54 | Independent Mortgage Company |
| 9 | Bank of England | 70 | 38 | 56 | 222 | Bank |
| 10 | First Community Bank | 66 | 32 | 57 | 172 | 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.