Safe Rate Rankings

Best Conventional Mortgage Companie Lenders in Arkansas

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders180

Total Loans31,386

Median Rate Spread0.34%

Arkansas Market Insights

Flat Branch Mortgage is Safe Rate's top-ranked Conventional mortgage company in Arkansas, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Arkansas, Bank of Little Rock Mortgage and Flat Branch Mortgage scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #3 in Arkansas, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Rocket Mortgage ranks #2 in Arkansas, the nation's largest lender by volume.

Explore Rankings by Type

Overall Rankings

All lenders in Arkansas

Need rankings for a different loan product?

FHA Loans VA Loans Jumbo Loans USDA Loans

Need a different institution type?

Banks Credit Unions

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,020Fees	0.272%Above	1,087
2	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,673Fees	0.435%Above	2,648
3	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$2,407Fees	0.024%Below	804
4	GERSHMAN INVESTMENT CORP. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$1,481Fees	0.008%Above	263
5	ASSOCIATED MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$1,296Fees	0.171%Above	306
6	GMFS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Exceptional	Strong	$2,057Fees	0.238%Above	92
7	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,457Fees	0.696%Above	611
8	BANK OF LITTLE ROCK MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Strong	Strong	Strong	Exceptional	$1,030Fees	0.192%Above	340
9	SWBC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,871Fees	0.260%Above	304
10	COMMUNITY MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	Strong	$2,561Fees	0.178%Above	257
11	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,836Fees	0.413%Above	204
12	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,358Fees	0.423%Above	293
13	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,016Fees	0.527%Above	175
14	DAS Acquisition Company, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,529Fees	0.652%Above	261
15	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,493Fees	0.399%Above	223
16	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,307Fees	0.368%Above	193
17	MORTGAGE INVESTORS GROUP, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,125Fees	0.323%Above	186
18	MY MOVE MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$2,333Fees	0.076%Above	154
19	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,191Fees	0.577%Above	109
20	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,160Fees	0.026%Below	291
21	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$991Fees	0.060%Above	102
22	Nations Lending Corporation Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,982Fees	0.335%Above	70
23	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,247Fees	0.568%Above	181
24	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,086Fees	0.267%Above	137
25	HIGHLANDS RESIDENTIAL MORTGAGE, LTD. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,089Fees	0.535%Above	631
26	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,984Fees	0.406%Above	115
27	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Sound	$1,811Fees	0.337%Above	67
28	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$2,987Fees	0.673%Above	333
29	MORTGAGE FINANCIAL SERVICES, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Strong	$2,581Fees	0.696%Above	254
30	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$1,930Fees	0.455%Above	157
31	FIRST WESTERN MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Sound	Sound	Strong	$1,052Fees	0.029%Above	138
32	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,393Fees	0.349%Above	100
33	Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,623Fees	0.433%Above	72
34	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Sound	Exceptional	$2,022Fees	0.430%Above	936
35	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,468Fees	0.599%Above	225
36	STOCKTON MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,268Fees	0.488%Above	104
37	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$1,139Fees	0.423%Above	66
38	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Strong	$2,844Fees	0.266%Above	271
39	PRIMARY RESIDENTIAL MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$3,928Fees	1.085%Above	136
40	LENDLO MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Sound	Exceptional	$3,294Fees	0.382%Above	892
41	Luminate Home Loans, Inc. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$4,651Fees	0.854%Above	209
42	GoodLeap, LLC Independent Mortgage CompanyDirect	Sound	Sound	Strong	Sound	Sound	$3,898Fees	0.242%Above	79
43	GENEVA FINANCIAL, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Strong	$4,676Fees	0.726%Above	112
44	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$2,219Fees	0.335%Above	81
45	PILGRIM MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Strong	$3,081Fees	0.696%Above	76
46	EVERETT FINANCIAL, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$3,473Fees	1.180%Above	68
47	ZILLOW HOME LOANS, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$3,117Fees	0.533%Above	109
48	Click n' Close, Inc. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	Strong	—	—	429
49	ROYAL UNITED MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Sound	$2,846Fees	1.296%Above	70
50	AMERICAN FINANCIAL RESOURCES, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Sound	Sound	$2,428Fees	0.681%Above	66

❓ Frequently Asked Questions

How are mortgage lenders ranked in Arkansas?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Arkansas), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Arkansas?+

Based on 2024 HMDA data, 180 lenders originated a combined 31,386 loans in Arkansas. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Arkansas?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Arkansas is 0.34%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Arkansas's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.