Safe Rate Rankings
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!
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LENDLO MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Exceptional | Sound* | Exceptional | Exceptional | Exceptional | $2,900Fees | 0.140%Above | 356 | |
2 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | Exceptional | $3,834Fees | 0.453%Above | 655 | |
3 | Arvest Bank BankDirect | Strong | Sound | Exceptional | Strong | Exceptional | $1,743Fees | 0.321%Above | 532 | |
4 | Eagle Bank and Trust Company BankDirect | Strong | Sound | Exceptional | Exceptional | Exceptional | $2,276Fees | 0.182%Above | 445 | |
5 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Exceptional | Exceptional | $2,604Fees | 0.118%Below | 233 | |
6 | FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Exceptional | Exceptional | $2,153Fees | 0.406%Above | 333 | |
7 | First Security Bank BankDirect | Strong | Exceptional | Strong | Sound | Exceptional | $2,134Fees | 0.195%Below | 170 | |
8 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Sound | Strong | $2,190Fees | 0.030%Below | 124 | |
9 | Simmons Bank BankDirect | Strong | Strong | Strong | Strong | Exceptional | $1,720Fees | 0.371%Above | 174 | |
10 | COMMUNITY MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | Exceptional | $2,387Fees | 0.102%Above | 134 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Strong | Strong | $3,682Fees | 0.552%Above | 63 | |
12 | BANK OF LITTLE ROCK MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Strong | Strong | Strong | Exceptional | $1,033Fees | 0.194%Above | 229 | |
13 | Cadence Bank BankDirect | Strong | Strong | Exceptional | Strong | Strong | $1,677Fees | 0.211%Above | 78 | |
14 | Centennial Bank BankDirect | Strong | Strong | Strong | Sound | Exceptional | $1,665Fees | 0.296%Above | 241 | |
15 | ENCORE BANK BankDirect | Strong | Exceptional | Strong | Sound | Exceptional | $760Fees | 0.240%Above | 226 | |
16 | First Community Bank BankDirect | Strong | Sound | Strong | Strong | Exceptional | $3,385Fees | 0.190%Above | 172 | |
17 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Strong | Strong | $3,453Fees | 0.477%Above | 76 | |
18 | Bank of England BankDirect | Strong | Sound | Exceptional | Strong | Exceptional | $1,707Fees | 0.308%Above | 222 | |
19 | Regions Bank BankDirect | Strong | Sound | Exceptional | Sound | Strong | $1,948Fees | 0.343%Above | 168 | |
20 | GERSHMAN INVESTMENT CORP. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Strong | $1,298Fees | 0.005%Below | 49 | |
21 | The First National Bank of Fort Smith BankDirect | Strong | Exceptional | Strong | Strong | Strong | $1,363Fees | 0.120%Above | 46 | |
22 | First Horizon Bank BankDirect | Strong | Strong | Strong | Strong | Exceptional | $1,466Fees | 0.120%Above | 203 | |
23 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Sound | $2,214Fees | 0.260%Above | 44 | |
24 | Chambers Bank BankDirect | Strong | Strong | Sound | Strong | Exceptional | $2,157Fees | 0.120%Below | 95 | |
25 | U.S. Bank National Association BankDirect | Strong | Strong | Exceptional | Sound | Strong | $1,014Fees | 0.157%Above | 89 | |
26 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $2,062Fees | 0.359%Above | 94 | |
27 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $2,336Fees | 0.374%Above | 96 | |
28 | FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | Strong | $1,749Fees | 0.437%Above | 57 | |
29 | NFM, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,851Fees | 0.855%Above | 35 | |
30 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,572Fees | 0.579%Above | 144 | |
31 | MORTGAGE FINANCIAL SERVICES, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Strong | $2,585Fees | 0.637%Above | 78 | |
32 | CORNERSTONE CAPITAL BANK, SSB BankDirect | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,463Fees | 0.974%Above | 55 | |
33 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Sound | Strong | $2,272Fees | 0.400%Above | 52 | |
34 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,292Fees | 0.161%Above | 319 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,900Fees | 0.608%Above | 66 | |
36 | T2 FINANCIAL LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,001Fees | 0.335%Above | 54 | |
37 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Sound | $2,569Fees | 0.627%Above | 26 | |
38 | GoodLeap, LLC Independent Mortgage CompanyDirect | Strong | Strong | Exceptional | Sound | Sound | $4,689Fees | 0.437%Above | 24 | |
39 | SENTE MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Mediocre | Strong | Strong | Exceptional | $3,526Fees | 0.477%Above | 145 | |
40 | PILGRIM MORTGAGE LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | Strong | $3,161Fees | 0.676%Above | 62 | |
41 | Gateway First Bank BankDirect | Strong | Acceptable | Exceptional | Strong | Sound | $2,063Fees | 0.452%Above | 29 | |
42 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Strong | Strong | $4,231Fees | 0.554%Above | 76 | |
43 | Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | Sound | $2,644Fees | 0.438%Above | 30 | |
44 | MORTGAGE SOLUTIONS OF COLORADO, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | Sound | $1,675Fees | 0.585%Above | 26 | |
45 | NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect | Sound | Mediocre | Exceptional | Sound | Strong | $2,094Fees | 0.750%Above | 85 | |
46 | STOCKTON MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | Sound | $2,097Fees | 0.427%Above | 21 | |
47 | ZILLOW HOME LOANS, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | Sound | $2,905Fees | 0.992%Above | 21 | |
48 | Luminate Home Loans, Inc. Independent Mortgage CompanyDirect | Sound | Mediocre | Exceptional | Strong | Strong | $4,635Fees | 0.951%Above | 96 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Sound | Sound | $3,864Fees | 0.651%Above | 30 | |
50 | NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect | Sound | Mediocre | Exceptional | Strong | Strong | $2,922Fees | 0.782%Above | 62 |
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 Little Rock), 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.
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.
Based on 2024 HMDA data, 85 lenders originated a combined 8,194 loans in Little Rock. Safe Rate's rankings evaluate all of them — not just a curated shortlist.
Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Little Rock 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.
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.
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.
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 Little Rock's rankings, all three institution types are evaluated on the same HMDA performance metrics.
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.