Mortgage Lenders and Brokers in Heber Springs, 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
Heber Springs, Arkansas mortgage lenders include Eagle Bank and Trust CompanyEagle Bank and Trust CompanySecond And Main Streets, Heber Springs, AR 72543A+5.0 ★Texas Ratio: 1.39%, Centennial BankCentennial Bank1631 Highway 25b, Heber Springs, AR 72543A+5.0 ★Texas Ratio: 3.14%, First Security BankFirst Security Bank1140 Highway 25b, Heber Springs, AR 72543A+5.0 ★Texas Ratio: 0.58%, First State BankFirst State Bank1450 Southridge Pkwy, Heber Springs, AR 72543A+5.0 ★Texas Ratio: 0.00%, First National BankFirst National Bank1324 Highway 25b, Heber Springs, AR 72543A+5.0 ★Texas Ratio: 1.33%, First Arkansas Bank and TrustFirst Arkansas Bank and Trust1230 Highway 25b, Heber Springs, AR 72543A5.0 ★Texas Ratio: 12.49%, Arkansas Federal Credit UnionArkansas Federal Credit Union1114 Highway 35 N, Benton, AR 72019 2326, Arvest BankArvest Bank408 Highway 64 West, Alma, AR 72921A5.0 ★Texas Ratio: 7.48%, First Community BankFirst Community Bank159 Highway 167 N, Bald Knob, AR 72010B+4.8 ★Texas Ratio: 17.04%, and Bank of EnglandBank of England2213 North Reynolds Road, Bryant, AR 72022A5.0 ★Texas Ratio: 6.45%. 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 Heber Springs, Arkansas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Heber Springs 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 Heber Springs, Arkansas
Market share is the lender's share of all home loans closed in Heber Springs, 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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2 offices in Heber Springs Second And Main Streets, Heber Springs, AR 72543 A+5.0 ★Texas Ratio: 1.39% |
Conventional, FHA, VA, USDA, Jumbo | 21 | 11.3% | 100% | $293,571 | View |
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1 office in Heber Springs 1631 Highway 25b, Heber Springs, AR 72543 A+5.0 ★Texas Ratio: 3.14% |
Conventional, FHA, HELOC | 10 +2 HELOCs |
5.4% | 90.9% | $152,000 | View |
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2 offices in Heber Springs 1140 Highway 25b, Heber Springs, AR 72543 A+5.0 ★Texas Ratio: 0.58% |
Conventional, FHA, VA, USDA, HELOC | 8 +7 HELOCs |
4.3% | 100% | $326,250 | View |
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1 office in Heber Springs 1450 Southridge Pkwy, Heber Springs, AR 72543 A+5.0 ★Texas Ratio: 0.00% |
Conventional, Jumbo | 6 | 3.2% | 100% | $348,333 | View |
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1 office in Heber Springs 1324 Highway 25b, Heber Springs, AR 72543 A+5.0 ★Texas Ratio: 1.33% |
Conventional, Jumbo | 3 | 1.6% | 100% | $858,333 | View |
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2 offices in Heber Springs 1230 Highway 25b, Heber Springs, AR 72543 A5.0 ★Texas Ratio: 12.49% |
Conventional | 1 | 0.5% | 100% | $65,000 | View |
Arkansas Federal Credit Union
1114 Highway 35 N, Benton, AR 72019 2326 |
Conventional, VA, HELOC | 9 +4 HELOCs |
4.8% | 75% | $180,555 | |
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408 Highway 64 West, Alma, AR 72921 A5.0 ★Texas Ratio: 7.48% |
Conventional, FHA, VA, HELOC | 4 +1 HELOCs |
2.2% | 80% | $232,500 | View |
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159 Highway 167 N, Bald Knob, AR 72010 B+4.8 ★Texas Ratio: 17.04% |
FHA | 4 | 2.2% | 100% | $220,000 | View |
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2213 North Reynolds Road, Bryant, AR 72022 A5.0 ★Texas Ratio: 6.45% |
Conventional, USDA | 2 | 1.1% | 100% | $215,000 | View |
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821 W Main St, Heber Springs, AR 72543 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 1.1% | 66.7% | $135,000 | View |
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3525 Highway 5 N, Bryant, AR 72019 A5.0 ★Texas Ratio: 6.06% |
Conventional | 2 | 1.1% | 100% | $70,000 | View |
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3251 Highway 42, Cherry Valley, AR 72324 A5.0 ★Texas Ratio: 10.05% |
Conventional, VA | 2 | 1.1% | 100% | $245,000 | View |
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1323 Military Rd, Benton, AR 72015 A+5.0 ★Texas Ratio: 5.33% |
Conventional | 2 | 1.1% | 100% | $70,000 | View |
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506 Main St, Arkadelphia, AR 71923 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 50% | $315,000 | 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 | 0.5% | 50% | $545,000 | View |
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910 W Trimble Ave, Berryville, AR 72616 A5.0 ★Texas Ratio: 6.27% |
Conventional | 1 | 0.5% | 100% | $275,000 | View |
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265 Highway 65 S, Dumas, AR 71639 A+5.0 ★Texas Ratio: 4.48% |
Conventional | 1 | 0.5% | 100% | $315,000 | View |
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1301 Arkansas Blvd, Texarkana, AR 71854 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 100% | $335,000 | View |
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★ 5 stars, 1 review 7171 Merrill Drive, Little Rock, AR 72212 A+5.0 ★Texas Ratio: 3.37% |
FHA | 1 | 0.5% | 100% | $165,000 | View |
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808 S Walton Blvd, Bentonville, AR 72712 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 3.5 stars, 2 reviews 611 Highway 71 N, Alma, AR 72921 A5.0 ★Texas Ratio: 9.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
FirstTrust Home Loans
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Conventional, FHA, VA, USDA | 10 | 5.4% | 100% | $179,000 | |
AgHeritage Farm Credit Services, FLCA
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Conventional, Jumbo | 3 | 1.6% | 100% | $458,333 | |
Rocket Mortgage
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Conventional, FHA, VA | 23 | 12.4% | 75% | $173,260 | |
Cadence Bank
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Conventional, Jumbo, HELOC | 4 +1 HELOCs |
2.2% | 100% | $592,500 | |
United Wholesale Mortgage
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Conventional, VA, HELOC | 4 +1 HELOCs |
2.2% | 100% | $237,500 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 4 | 2.2% | 80% | $245,000 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA | 4 | 2.2% | 100% | $122,500 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.6% | 100% | $121,666 | |
Amerisave Mortgage Company
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Conventional | 3 | 1.6% | 42.9% | $158,333 | |
Flat Branch Mortgage, Inc.
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Conventional | 3 | 1.6% | 100% | $318,333 | |
Goodleap, LLC
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VA | 2 | 1.1% | 66.7% | $130,000 | |
Newrez LLC
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Conventional | 2 | 1.1% | 100% | $175,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 1.1% | 66.7% | $55,000 | |
Eustis Mortgage Corp
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Conventional, FHA | 2 | 1.1% | 100% | $230,000 | |
Click n' Close, Inc.
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VA, USDA | 2 | 1.1% | 100% | $160,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 1.1% | 50% | $150,000 | View |
Nationstar Mortgage
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Conventional | 2 | 1.1% | 66.7% | $45,000 | |
Better Mortgage Corporation
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Conventional, VA | 2 | 1.1% | 100% | $330,000 | |
21St Mortgage
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Conventional | 2 | 1.1% | 33.3% | $95,000 | |
Gershman Investment Corp.
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Conventional, FHA | 2 | 1.1% | 100% | $55,000 | |
Village Capital & Investment
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FHA, VA | 2 | 1.1% | 100% | $215,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.5% | 100% | $155,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 0.5% | 100% | $175,000 | |
Primary Residential Mortgage, INC.
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USDA | 1 | 0.5% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
Kind Lending, LLC
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USDA | 1 | 0.5% | 100% | $135,000 | |
Movement Mortgage, LLC
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FHA | 1 | 0.5% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.5% | 100% | $375,000 | View |
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A5.0 ★Texas Ratio: 6.66% |
Conventional | 1 | 0.5% | 100% | $555,000 | View |
BankTennessee
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,045,000 | |
New Day Financial, LLC.
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VA | 1 | 0.5% | 75% | $185,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.5% | 50% | $245,000 | View |
Texas Security Bank
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Conventional | 1 | 0.5% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.5% | 100% | $65,000 | View |
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A+5.0 ★Texas Ratio: 0.53% |
Conventional | 1 | 0.5% | 100% | $335,000 | View |
Mutual of Omaha Mortgage
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VA | 1 | 0.5% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.5% | 100% | $195,000 | View |
Fairway Independent Mort Corp
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FHA | 1 | 0.5% | 100% | $105,000 | |
Navy Federal Credit Union
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Conventional | 1 | 0.5% | 50% | $105,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.5% | 100% | $245,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.5% | 42.9% | $55,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Barksdale Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Atlanta Postal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Heber Springs 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 Heber Springs, Arkansas
Looking for mortgage lenders near me or mortgage brokers near me in Heber Springs? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Heber Springs in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Heber Springs, AR
Use these to narrow the list above. Each category shows how many Heber Springs, AR lenders fit and what that kind of lender is usually best for.
Who Lends in Heber Springs, AR
Independent mortgage companies closed 46.8 percent of home loans in Heber Springs, Arkansas in 2025, banks 46.8 percent and credit unions 6.5 percent. FirstTrust Home Loans was the largest mortgage company, Eagle Bank and Trust Company the largest bank and Arkansas Federal Credit Union the largest credit union. Among lenders headquartered in Arkansas, Eagle Bank and Trust Company led with 21 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 Heber Springs, AR
By home loans closed in 2025, Eagle Bank and Trust Company was the largest mortgage lender in Heber Springs, Arkansas with 21 loans, about 11.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Heber Springs, Arkansas in 2025, led by Eagle Bank and Trust Company with 4. 19 lenders closed VA loans, led by Rocket Mortgage, and 8 closed USDA rural loans. 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. 33 banks and 6 credit unions closed home loans in Heber Springs, Arkansas in 2025, alongside 32 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 Heber Springs, 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 Heber Springs, 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 Heber Springs. 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.
