Mortgage Lenders and Brokers in Fort Smith, Arkansas
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Fort Smith, Arkansas mortgage lenders include Arvest BankArvest Bank816 Garrison Ave, Fort Smith, AR 72901A5.0 ★Texas Ratio: 7.48%, Firstar BankFirstar Bank4300 Rogers Ave Ste 7, Fort Smith, AR 72903A+5.0 ★Texas Ratio: 5.68%, First National Bank of Fort SmithFirst National Bank of Fort Smith8225 S Zero St, Fort Smith, AR 72903A+5.0 ★Texas Ratio: 2.55%, Regions BankRegions Bank5700 Rogers Ave, Fort Smith, AR 72903A+5.0 ★Texas Ratio: 4.37%, Farmers BankFarmers Bank8420 Highway 71 S, Fort Smith, AR 72908A+5.0 ★Texas Ratio: 0.82%, Chambers BankChambers Bank8210 Phoenix Ave, Fort Smith, AR 72903A+5.0 ★Texas Ratio: 1.59%, Armstrong BankArmstrong Bank8300 Phoenix Ave, Fort Smith, AR 72903A+5.0 ★Texas Ratio: 3.14%, First Western BankFirst Western Bank3914 Massard Rd, Fort Smith, AR 72903A5.0 ★Texas Ratio: 7.54%, First Security BankFirst Security Bank720 Garrison Ave, Fort Smith, AR 72901A+5.0 ★Texas Ratio: 0.58%, and Centennial BankCentennial Bank4625 Old Greenwood Rd, Fort Smith, AR 72903A+5.0 ★Texas Ratio: 3.14%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Fort Smith, Arkansas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fort Smith are listed first, then lenders elsewhere in Arkansas, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Fort Smith, Arkansas
Market share is the lender's share of all home loans closed in Fort Smith, Arkansas. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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5 offices in Fort Smith 816 Garrison Ave, Fort Smith, AR 72901 A5.0 ★Texas Ratio: 7.48% |
Conventional, FHA, VA, Jumbo, HELOC | 157 +71 HELOCs |
14.6% | 84.5% | $196,210 | View |
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2 offices in Fort Smith 4300 Rogers Ave Ste 7, Fort Smith, AR 72903 A+5.0 ★Texas Ratio: 5.68% |
Conventional, FHA, VA | 51 | 4.7% | 96.2% | $243,823 | View |
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8 offices in Fort Smith 8225 S Zero St, Fort Smith, AR 72903 A+5.0 ★Texas Ratio: 2.55% |
Conventional, FHA | 37 | 3.4% | 90.2% | $269,864 | View |
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3 offices in Fort Smith 5700 Rogers Ave, Fort Smith, AR 72903 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 17 +24 HELOCs |
1.6% | 47.5% | $75,000 | View |
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2 offices in Fort Smith 8420 Highway 71 S, Fort Smith, AR 72908 A+5.0 ★Texas Ratio: 0.82% |
Conventional | 12 | 1.1% | 85.7% | $150,000 | View |
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1 office in Fort Smith 8210 Phoenix Ave, Fort Smith, AR 72903 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 12 | 1.1% | 70.6% | $194,166 | View |
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2 offices in Fort Smith 8300 Phoenix Ave, Fort Smith, AR 72903 A+5.0 ★Texas Ratio: 3.14% |
Conventional, HELOC | 10 +1 HELOCs |
0.9% | 91.7% | $74,000 | View |
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1 office in Fort Smith 3914 Massard Rd, Fort Smith, AR 72903 A5.0 ★Texas Ratio: 7.54% |
Conventional | 9 | 0.8% | 100% | $153,888 | View |
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2 offices in Fort Smith 720 Garrison Ave, Fort Smith, AR 72901 A+5.0 ★Texas Ratio: 0.58% |
Conventional, HELOC | 4 +7 HELOCs |
0.4% | 100% | $507,500 | View |
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2 offices in Fort Smith 4625 Old Greenwood Rd, Fort Smith, AR 72903 A+5.0 ★Texas Ratio: 3.14% |
Conventional, FHA, HELOC | 4 +2 HELOCs |
0.4% | 80% | $210,000 | View |
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1 office in Fort Smith 1101 S Walton Blvd Ste 9, Bentonville, AR 72712 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.3% | 50% | $191,666 | View |
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3 offices in Fort Smith 7324 Rogers Ave, Fort Smith, AR 72903 A+5.0 ★Texas Ratio: 5.33% |
HELOC | 0 +7 HELOCs |
0% | 0% | View | |
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3251 Highway 42, Cherry Valley, AR 72324 A5.0 ★Texas Ratio: 10.05% |
Conventional, FHA, VA | 36 | 3.3% | 100% | $219,166 | View |
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3914 Massard Rd, Fort Smith, AR 72903 A5.0 ★Texas Ratio: 7.54% |
Conventional, FHA | 25 | 2.3% | 96.4% | $257,400 | View |
Arkansas Federal Credit Union
7887 Phoenix Ave, Fort Smith, AR 72903 |
Conventional, VA, HELOC | 18 +18 HELOCs |
1.7% | 60% | $82,222 | |
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200 Highway 71 N, Alma, AR 72921 A+5.0 ★Texas Ratio: 1.02% |
Conventional, FHA, VA | 12 | 1.1% | 75% | $277,500 | View |
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★ 3.5 stars, 2 reviews 2520 S Zero St, Fort Smith, AR 72901 A5.0 ★Texas Ratio: 9.32% |
Conventional, FHA, VA, HELOC | 9 +6 HELOCs |
0.8% | 75% | $165,000 | View |
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115 Highway 64 W, Alma, AR 72921 A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA, HELOC | 5 +5 HELOCs |
0.5% | 42.9% | $139,000 | View |
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1301 Arkansas Blvd, Texarkana, AR 71854 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 4 | 0.4% | 66.7% | $212,500 | View |
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808 S Walton Blvd, Bentonville, AR 72712 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +5 HELOCs |
0.3% | 75% | $225,000 | View |
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700 Se Walton Blvd, Bentonville, AR 72712 A+5.0 ★Texas Ratio: 0.35% |
Conventional | 3 | 0.3% | 100% | $451,666 | View |
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3654 N Investment Dr, Fayetteville, AR 72703 A+5.0 ★Texas Ratio: 0.19% |
Conventional | 2 | 0.2% | 100% | $90,000 | View |
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6699 Herber Springs Road, Drasco, AR 72530 A+5.0 ★Texas Ratio: 1.39% |
Conventional, FHA | 2 | 0.2% | 100% | $215,000 | View |
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★ 5 stars, 1 review 706 S Walton Blvd, Bentonville, AR 72712 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.1% | 100% | $115,000 | View |
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115 Highway 71 N, Alma, AR 72921 A5.0 ★Texas Ratio: 8.68% |
Conventional | 1 | 0.1% | 100% | $85,000 | View |
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3210 Sw Regency Pkwy, Bentonville, AR 72712 A+5.0 ★Texas Ratio: 2.62% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
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3401 E Mission Blvd, Fayetteville, AR 72703 C+4.1 ★Texas Ratio: 25.90% |
Conventional | 1 | 0.1% | 100% | $145,000 | View |
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1303 Se Walton Blvd, Bentonville, AR 72712 A+5.0 ★Texas Ratio: 1.05% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
FirstTrust Home Loans
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Conventional, FHA, VA | 45 | 4.2% | 100% | $215,222 | |
Rocket Mortgage
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Conventional, FHA, VA | 83 | 7.7% | 84.2% | $169,096 | |
Cadence Bank
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Conventional, FHA, VA, Jumbo, HELOC | 71 +30 HELOCs |
6.6% | 86.9% | $127,676 | |
Highlands Residential Mortgage, Ltd.
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Conventional, FHA, VA | 57 | 5.3% | 100% | $173,245 | |
United Federal Credit Union
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Conventional, FHA, HELOC | 36 +26 HELOCs |
3.3% | 69.1% | $131,111 | |
SWBC Mortgage Corporation
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Conventional, FHA, VA | 35 | 3.2% | 97.4% | $216,714 | |
Mortgage Research Center
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Conventional, FHA, VA | 32 | 3% | 61.8% | $277,187 | |
Flat Branch Mortgage, Inc.
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Conventional, FHA, VA | 25 | 2.3% | 100% | $184,600 | |
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B+4.8 ★Texas Ratio: 17.04% |
Conventional, FHA, VA | 22 | 2% | 95.8% | $269,545 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 20 | 1.9% | 76.9% | $231,500 | |
Fairway Independent Mort Corp
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Conventional, FHA | 14 | 1.3% | 100% | $125,000 | |
Nationstar Mortgage
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Conventional, FHA, VA | 13 | 1.2% | 77.8% | $167,307 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 11 | 1% | 64.7% | $151,363 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA, Jumbo | 10 | 0.9% | 100% | $293,000 | View |
Freedom Mortgage Corporation
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FHA, VA | 8 | 0.7% | 76.9% | $288,750 | |
loanDepot.com LLC
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Conventional, FHA | 8 | 0.7% | 56.2% | $101,250 | |
Navy Federal Credit Union
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Conventional, VA | 8 | 0.7% | 80% | $285,000 | |
Amerisave Mortgage Company
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Conventional, FHA, HELOC | 7 +1 HELOCs |
0.6% | 35% | $60,714 | |
Newrez LLC
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Conventional, FHA, VA | 5 | 0.5% | 50% | $173,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 5 | 0.5% | 100% | $171,000 | View |
Guild Mortgage Company
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Conventional, FHA | 5 | 0.5% | 100% | $245,000 | |
Lendlo Mortgage, LLC
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Conventional, FHA, VA | 5 | 0.5% | 100% | $209,000 | |
T2 Financial LLC
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Conventional, FHA, VA | 5 | 0.5% | 83.3% | $219,000 | |
Mortgage Solutions of Colorado
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FHA, VA | 5 | 0.5% | 100% | $223,000 | |
AML Funding LLC dba Absolute Mortgage & Lending
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Conventional | 4 | 0.4% | 100% | $227,500 | |
Securitynational Mortgage Company
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Conventional, FHA | 4 | 0.4% | 100% | $110,000 | |
New Day Financial, LLC.
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VA | 4 | 0.4% | 50% | $190,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA, VA | 4 | 0.4% | 80% | $222,500 | |
Village Capital & Investment
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FHA, VA | 4 | 0.4% | 100% | $277,500 | |
Guaranteed Rate, Inc.
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Conventional, VA, HELOC | 3 +1 HELOCs |
0.3% | 75% | $271,666 | |
CrossCountry Mortgage, LLC
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FHA, VA, HELOC | 3 +1 HELOCs |
0.3% | 100% | $191,666 | |
Arc Home LLC
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Conventional | 3 | 0.3% | 100% | $335,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 3 | 0.3% | 50% | $75,000 | |
Click n' Close, Inc.
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FHA, VA | 3 | 0.3% | 75% | $275,000 | |
New American Funding, LLC.
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Conventional | 3 | 0.3% | 37.5% | $258,333 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.3% | 100% | $328,333 | View |
Primelending
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VA | 2 | 0.2% | 100% | $275,000 | |
Everett Financial, Inc.
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Conventional, FHA | 2 | 0.2% | 100% | $75,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 0.2% | 66.7% | $115,000 | |
Discover Bank
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Conventional | 2 | 0.2% | 10.5% | $65,000 | |
Lennar Mortgage, LLC
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Conventional, FHA | 2 | 0.2% | 66.7% | $135,000 | |
American Financing Corporation
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FHA | 2 | 0.2% | 40% | $170,000 | |
Planet Home Lending, LLC
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FHA, VA | 2 | 0.2% | 100% | $280,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.2% | 100% | $115,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 2 | 0.2% | 66.7% | $175,000 | View |
Carrington Mortgage Services LLC
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FHA, VA | 2 | 0.2% | 42.9% | $195,000 | |
Gershman Investment Corp.
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Conventional, FHA | 2 | 0.2% | 100% | $210,000 | |
Goodleap, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
FHA, HELOC | 1 +1 HELOCs |
0.1% | 25% | $185,000 | View |
EMM Loans LLC
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FHA | 1 | 0.1% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
Royal United Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $105,000 | |
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A5.0 ★Texas Ratio: 6.15% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
MortgageOne, Inc
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VA | 1 | 0.1% | 100% | $315,000 | |
Envoy Mortgage, Ltd
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FHA | 1 | 0.1% | 100% | $185,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.1% | 100% | $285,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.1% | 100% | $255,000 | |
United Trust Bank
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VA | 1 | 0.1% | 100% | $215,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $115,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.1% | 100% | $45,000 | View |
HomeBridge Financial Services, Inc
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VA | 1 | 0.1% | 100% | $265,000 | |
Associated Mortgage Corporation
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VA | 1 | 0.1% | 100% | $215,000 | |
East Coast Capital Corp.
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Conventional | 1 | 0.1% | 100% | $195,000 | |
ClearPath Lending
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VA | 1 | 0.1% | 100% | $325,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
Homeowners Financial Group, LLC
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Churchill Mortgage Corporation
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FHA | 1 | 0.1% | 100% | $155,000 | |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $235,000 | |
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A5.0 ★Texas Ratio: 13.24% |
Conventional | 1 | 0.1% | 100% | $145,000 | View |
Pentagon Federal Credit Union
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Conventional | 1 | 0.1% | 50% | $125,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.1% | 100% | $225,000 | View |
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A5.0 ★Texas Ratio: 8.28% |
Conventional | 1 | 0.1% | 100% | $275,000 | View |
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A5.0 ★Texas Ratio: 10.43% |
Conventional | 1 | 0.1% | 100% | $385,000 | View |
Lower, LLC
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VA | 1 | 0.1% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 0.50% |
FHA | 1 | 0.1% | 100% | $355,000 | View |
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C-3.6 ★Texas Ratio: 31.27% |
Conventional | 1 | 0.1% | 100% | $275,000 | View |
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A5.0 ★Texas Ratio: 11.81% |
Conventional | 1 | 0.1% | 100% | $145,000 | View |
Mortgage Investors Group
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FHA | 1 | 0.1% | 100% | $205,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.1% | 100% | $455,000 | |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.1% | 100% | $265,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.1% | 40% | $55,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.1% | 100% | $255,000 | |
Top Flite Financial, Inc.
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Conventional | 1 | 0.1% | 100% | $155,000 | |
Leaderone Financial Corp.
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FHA | 1 | 0.1% | 100% | $245,000 | |
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A5.0 ★Texas Ratio: 9.47% |
Conventional | 1 | 0.1% | 100% | $435,000 | View |
Southwest Funding LP
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FHA | 1 | 0.1% | 100% | $315,000 | |
Figure Lending LLC
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HELOC | 0 +13 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 11.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Fort Smith Mortgage Rate Trends
Daily average mortgage rates for Arkansas compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Fort Smith, Arkansas
Looking for mortgage lenders near me or mortgage brokers near me in Fort Smith? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Fort Smith in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Fort Smith, AR
Use these to narrow the list above. Each category shows how many Fort Smith, AR lenders fit and what that kind of lender is usually best for.
Who Lends in Fort Smith, AR
Independent mortgage companies closed 42.8 percent of home loans in Fort Smith, Arkansas in 2025, banks 51.4 percent and credit unions 5.8 percent. FirstTrust Home Loans was the largest mortgage company, Arvest Bank the largest bank and Arkansas Federal Credit Union the largest credit union. Among lenders headquartered in Arkansas, First National Bank of Fort Smith led with 37 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Arkansas. Real property transfer tax of $3.30 per $1,000 (0.33 percent) on sales over $100, customarily split between buyer and seller; no mortgage recording tax.
More Arkansas Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Fort Smith, AR
By home loans closed in 2025, Arvest Bank was the largest mortgage lender in Fort Smith, Arkansas with 157 loans, about 14.6 percent of the market. The largest lender headquartered in Arkansas was First National Bank of Fort Smith with 37 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Fort Smith, Arkansas, Highlands Residential Mortgage, Ltd. approved the highest share of completed applications in 2025 at 100 percent, against a 80.8 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
56 lenders closed FHA loans in Fort Smith, Arkansas in 2025, led by Arvest Bank with 42. 42 lenders closed VA loans, led by Mortgage Research Center. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 54 banks and 4 credit unions closed home loans in Fort Smith, Arkansas in 2025, alongside 64 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Fort Smith, Arkansas during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Fort Smith, Arkansas for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Fort Smith. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
