# Best VA Mortgage Lenders in Little Rock

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

Compare the top VA 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/va-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 | 100 | 96 | 84 | 356 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 233 | Independent Mortgage Company |
| 3 | Arvest Bank | 89 | 65 | 66 | 532 | Bank |
| 4 | Eagle Bank and Trust Company | 89 | 74 | 82 | 445 | Bank |
| 5 | First Horizon Bank | 89 | 81 | 74 | 203 | Bank |
| 6 | BANK OF LITTLE ROCK MORTGAGE CORPORATION | 85 | 70 | 68 | 229 | Independent Mortgage Company |
| 7 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 124 | Independent Mortgage Company |
| 8 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 96 | Independent Mortgage Company |
| 9 | U.S. Bank National Association | 85 | 71 | 65 | 89 | Bank |
| 10 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 76 | Independent Mortgage Company |
| 11 | ARKANSAS Federal Credit Union | 83 | 58 | 88 | 280 | Credit Union |
| 12 | First Security Bank | 83 | 82 | 58 | 170 | Bank |
| 13 | Chambers Bank | 83 | 55 | 81 | 95 | Bank |
| 14 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 82 | Credit Union |
| 15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 83 | 56 | 81 | 63 | Independent Mortgage Company |
| 16 | NBKC BANK | 83 | 91 | 75 | 34 | Bank |
| 17 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 655 | Independent Mortgage Company |
| 18 | FLAT BRANCH MORTGAGE, INC. | 80 | 37 | 85 | 333 | Independent Mortgage Company |
| 19 | Centennial Bank | 79 | 50 | 66 | 241 | Bank |
| 20 | ENCORE BANK | 79 | 72 | 58 | 226 | Bank |
| 21 | Bank of England | 79 | 46 | 65 | 222 | Bank |
| 22 | First Community Bank | 79 | 48 | 68 | 172 | Bank |
| 23 | USAA Federal Savings Bank | 79 | 62 | 58 | 76 | Bank |
| 24 | SWBC MORTGAGE CORPORATION | 77 | 45 | 85 | 39 | Independent Mortgage Company |
| 25 | Mortgage Research Center, LLC | 75 | 34 | 61 | 319 | Independent Mortgage Company |
| 26 | COMMUNITY MORTGAGE CORPORATION | 75 | 32 | 81 | 134 | Independent Mortgage Company |
| 27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 33 | 83 | 66 | Independent Mortgage Company |
| 28 | T2 FINANCIAL LLC | 75 | 22 | 82 | 54 | Independent Mortgage Company |
| 29 | Simmons Bank | 73 | 46 | 59 | 174 | Bank |
| 30 | LOANDEPOT.COM, LLC | 73 | 53 | 69 | 44 | Independent Mortgage Company |
| 31 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 71 | 29 | 74 | 144 | Independent Mortgage Company |
| 32 | GUILD MORTGAGE COMPANY LLC | 71 | 22 | 77 | 94 | Independent Mortgage Company |
| 33 | MORTGAGE FINANCIAL SERVICES, LLC | 71 | 30 | 71 | 78 | Independent Mortgage Company |
| 34 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 76 | Independent Mortgage Company |
| 35 | NATIONSTAR MORTGAGE LLC | 71 | 20 | 69 | 62 | Independent Mortgage Company |
| 36 | Regions Bank | 69 | 54 | 59 | 168 | Bank |
| 37 | PILGRIM MORTGAGE LLC | 67 | 34 | 72 | 62 | Independent Mortgage Company |
| 38 | LOWER, LLC | 66 | 25 | 63 | 39 | Independent Mortgage Company |
| 39 | Sierra Pacific Mortgage Company, Inc. | 66 | 38 | 77 | 30 | Independent Mortgage Company |
| 40 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 66 | 26 | 69 | 26 | Independent Mortgage Company |
| 41 | GoodLeap, LLC | 64 | 50 | 55 | 24 | Independent Mortgage Company |
| 42 | SENTE MORTGAGE, INC. | 60 | 7 | 73 | 145 | Independent Mortgage Company |
| 43 | AMERISAVE MORTGAGE CORPORATION | 58 | 21 | 42 | 33 | Independent Mortgage Company |
| 44 | Luminate Home Loans, Inc. | 57 | 6 | 65 | 96 | Independent Mortgage Company |
| 45 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 58 | 85 | Independent Mortgage Company |
| 46 | NEW DAY FINANCIAL, LLC | 52 | 2 | 49 | 41 | Independent Mortgage Company |
| 47 | The Federal Savings Bank | 52 | 9 | 54 | 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.