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Mortgage Lenders and Brokers in Hot Springs, Arkansas

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Hot Springs, Arkansas mortgage lenders include Arvest BankArvest Bank1710 Airport Rd, Hot Springs, AR 71913A5.0 ★Texas Ratio: 7.48%, Regions BankRegions Bank1555 Malvern Ave, Hot Springs, AR 71901A+5.0 ★Texas Ratio: 4.37%, Simmons BankSimmons Bank1431 Albert Pike Rd, Hot Springs, AR 71913A+5.0 ★Texas Ratio: 5.33%, First Security BankFirst Security Bank4129 Central Ave, Hot Springs, AR 71913A+5.0 ★Texas Ratio: 0.58%, Relyance BankRelyance Bank4446 Central Ave, Hot Springs, AR 71913A+5.0 ★Texas Ratio: 2.78%, Southern Bancorp BankSouthern Bancorp Bank4138 Central Ave, Hot Springs, AR 71913A5.0 ★Texas Ratio: 8.01%, US Bank, N.A.US Bank, N.A.4451 Central Ave, Hot Springs, AR 71913A+5.0 ★Texas Ratio: 2.85%, Chambers BankChambers Bank3505 Central Ave, Hot Springs, AR 71913A+5.0 ★Texas Ratio: 1.59%, Diamond BankDiamond Bank2350 Malvern Ave, Hot Springs, AR 71901A5.0 ★Texas Ratio: 6.14%, and The Citizens BankThe Citizens Bank150 Airport Rd, Hot Springs, AR 71913A+5.0 ★Texas Ratio: 3.52%. 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 Hot Springs, Arkansas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Hot 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 Hot Springs, Arkansas

Market share is the lender's share of all home loans closed in Hot 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
Arvest Bank 3 offices in Hot Springs 1710 Airport Rd, Hot Springs, AR 71913 A5.0 ★Texas Ratio: 7.48%	Conventional, FHA, VA, Jumbo, HELOC	41 +37 HELOCs	5.1%	89.1%	$270,609	View
Regions Bank 6 offices in Hot Springs 1555 Malvern Ave, Hot Springs, AR 71901 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, HELOC	23 +16 HELOCs	2.9%	61%	$191,521	View
Simmons Bank 3 offices in Hot Springs 1431 Albert Pike Rd, Hot Springs, AR 71913 A+5.0 ★Texas Ratio: 5.33%	Conventional, FHA, Jumbo, HELOC	14 +7 HELOCs	1.8%	87.5%	$386,428	View
First Security Bank 3 offices in Hot Springs 4129 Central Ave, Hot Springs, AR 71913 A+5.0 ★Texas Ratio: 0.58%	Conventional, FHA, VA, Jumbo, HELOC	14 +5 HELOCs	1.8%	82.4%	$412,142	View
Relyance Bank 5 offices in Hot Springs 4446 Central Ave, Hot Springs, AR 71913 A+5.0 ★Texas Ratio: 2.78%	Conventional, Jumbo	13	1.6%	92.9%	$181,153	View
Southern Bancorp Bank 3 offices in Hot Springs 4138 Central Ave, Hot Springs, AR 71913 A5.0 ★Texas Ratio: 8.01%	Conventional, FHA	12	1.5%	85.7%	$210,833	View
US Bank, N.A. 2 offices in Hot Springs 4451 Central Ave, Hot Springs, AR 71913 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	9 +3 HELOCs	1.1%	56.2%	$330,555	View
Chambers Bank 1 office in Hot Springs 3505 Central Ave, Hot Springs, AR 71913 A+5.0 ★Texas Ratio: 1.59%	Conventional	7	0.9%	100%	$326,428	View
Diamond Bank 1 office in Hot Springs 2350 Malvern Ave, Hot Springs, AR 71901 A5.0 ★Texas Ratio: 6.14%	Conventional	6	0.8%	100%	$95,000	View
The Citizens Bank 2 offices in Hot Springs 150 Airport Rd, Hot Springs, AR 71913 A+5.0 ★Texas Ratio: 3.52%	Conventional, Jumbo	3	0.4%	100%	$638,333	View
Malvern National Bank 3 offices in Hot Springs 321 Section Line Rd, Hot Springs, AR 71913 A+5.0 ★Texas Ratio: 2.98%	Conventional	2	0.3%	66.7%	$130,000	View
Arkansas Federal Credit Union 3948 Central Ave Ste F, Hot Springs, AR 71913	Conventional, Jumbo, HELOC	37 +14 HELOCs	4.6%	78.7%	$146,351
Bank Ozk ★ 3.5 stars, 2 reviews 1410 Albert Pike Rd, Hot Springs, AR 71913 A5.0 ★Texas Ratio: 9.32%	Conventional, FHA, VA, HELOC	10 +19 HELOCs	1.3%	64.7%	$161,000	View
JPMorgan Chase Bank, NA 1101 S Walton Blvd Ste 9, Bentonville, AR 72712 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	7 +1 HELOCs	0.9%	88.9%	$286,428	View
Eagle Bank and Trust Company 6699 Herber Springs Road, Drasco, AR 72530 A+5.0 ★Texas Ratio: 1.39%	Conventional, FHA	7	0.9%	100%	$373,571	View
Diamond Lakes Federal Credit Union 4032 Central Ave, Hot Springs, AR 71913	Conventional, VA	6	0.8%	100%	$161,666
Farmers Bank & Trust 960 S Constitution Ave, Ashdown, AR 71822 A5.0 ★Texas Ratio: 11.09%	Conventional, Jumbo	5	0.6%	100%	$423,000	View
Armor Bank 4546 Central Ave, Hot Springs, AR 71913 A+5.0 ★Texas Ratio: 3.67%	Conventional	5	0.6%	100%	$211,000	View
First Community Bank 159 Highway 167 N, Bald Knob, AR 72010 B+4.8 ★Texas Ratio: 17.04%	Conventional	3	0.4%	75%	$188,333	View
Encore Bank 112 W Center St, Fayetteville, AR 72701 A+5.0 ★Texas Ratio: 1.62%	Conventional, FHA	3	0.4%	100%	$258,333	View
First Service Bank 3525 Highway 5 N, Bryant, AR 72019 A5.0 ★Texas Ratio: 6.06%	Conventional, Jumbo	2	0.3%	100%	$1,115,000	View
Telcoe Federal Credit Union 820 Louisiana St, Little Rock, AR 72201 4692 A+5.0 ★Texas Ratio: 0.18%	Conventional	2	0.3%	100%	$250,000	View
Stone Bank 416 N Main St, Cave City, AR 72521 A-4.9 ★Texas Ratio: 16.23%	Conventional	2	0.3%	100%	$200,000	View
Bank of Little Rock Mortgage Corporation ★ 5 stars, 1 review 7171 Merrill Drive, Little Rock, AR 72212 A+5.0 ★Texas Ratio: 3.37%	Conventional	2	0.3%	66.7%	$110,000	View
Centennial Bank 812 N Church St, Atkins, AR 72823 A+5.0 ★Texas Ratio: 3.14%	Conventional	2	0.3%	66.7%	$340,000	View
First Horizon Bank ★ 5 stars, 1 review 706 S Walton Blvd, Bentonville, AR 72712 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$575,000	View
Bank of America NA 808 S Walton Blvd, Bentonville, AR 72712 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$65,000	View
Bank of England 2213 North Reynolds Road, Bryant, AR 72022 A5.0 ★Texas Ratio: 6.45%	VA	1	0.1%	100%	$325,000	View
Gateway Bank 17328 Interstate 30, Benton, AR 72019	Conventional, Jumbo	1	0.1%	100%	$2,205,000
First National Bank 300 Se Walton Blvd, Bentonville, AR 72712 A+5.0 ★Texas Ratio: 1.33%	Conventional	1	0.1%	100%	$495,000	View
Wells Fargo Bank NA 1301 Arkansas Blvd, Texarkana, AR 71854 A+5.0 ★Texas Ratio: 5.36%	Conventional	1	0.1%	100%	$205,000	View
First Western Mortgage 575 Memorial Dr, Bella Vista, AR 72714 A5.0 ★Texas Ratio: 7.54%	Conventional	1	0.1%	100%	$265,000	View
First State Bank 213 North Court, Carlisle, AR 72024 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$625,000	View
Bokf NA 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	Conventional, FHA, VA, Jumbo	39	4.9%	100%	$206,282
SWBC Mortgage Corporation	Conventional, FHA, VA, Jumbo	57	7.1%	98.3%	$285,701
Rocket Mortgage	Conventional, FHA, VA	56	7%	68.2%	$174,821
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	32 +1 HELOCs	4%	81%	$290,312
Mortgage Research Center	Conventional, FHA, VA	32	4%	76.7%	$234,062
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	26	3.3%	100%	$209,230
Community Mortgage Corporation	Conventional, FHA, VA	17	2.1%	94.4%	$201,470
Newrez LLC	Conventional, FHA, VA, Jumbo	16	2%	94.4%	$260,625
Fairway Independent Mort Corp	Conventional, FHA, VA	15	1.9%	100%	$164,333
Vanderbilt Mortgage and Finance, Inc	Conventional	13	1.6%	21.9%	$116,538
Primary Residential Mortgage, INC.	Conventional, FHA	10	1.3%	83.3%	$140,000
Pennymac Loan Services LLC	Conventional, VA	10	1.3%	73.3%	$140,000
Highlands Residential Mortgage, Ltd.	Conventional, FHA	10	1.3%	92.3%	$137,000
Better Mortgage Corporation	Conventional, FHA	9	1.1%	62.5%	$203,888
CrossCountry Mortgage, LLC	Conventional, FHA, VA	8	1%	100%	$225,000
Eustis Mortgage Corp	Conventional, FHA, VA, Jumbo	8	1%	100%	$330,000
loanDepot.com LLC	Conventional, FHA, HELOC	7 +1 HELOCs	0.9%	41.2%	$192,142
Union Home Mortgage Corp.	Conventional, FHA, VA	7	0.9%	77.8%	$307,857
New Day Financial, LLC.	VA	7	0.9%	75%	$289,285
Top Flite Financial, Inc.	Conventional, FHA	7	0.9%	70%	$207,857
Freedom Mortgage Corporation	FHA, VA	6	0.8%	100%	$251,666
Amerisave Mortgage Company	Conventional, FHA	6	0.8%	31.8%	$96,666
21St Mortgage	Conventional	6	0.8%	17.1%	$85,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	6	0.8%	100%	$215,000	View
First Community Mortgage, Inc. B+4.8 ★Texas Ratio: 17.04%	Conventional, FHA, VA	5	0.6%	100%	$247,000	View
Everett Financial, Inc.	Conventional, FHA	5	0.6%	100%	$101,000
Nationstar Mortgage	Conventional, FHA, VA	5	0.6%	71.4%	$123,000
Navy Federal Credit Union	Conventional, VA	5	0.6%	83.3%	$179,000
American Financial Resources LLC	Conventional, FHA	4	0.5%	80%	$312,500
Flat Branch Mortgage, Inc.	Conventional, VA	4	0.5%	100%	$307,500
Zillow Home Loans, LLC	Conventional, FHA	4	0.5%	100%	$192,500
New American Funding, LLC.	Conventional, FHA	4	0.5%	80%	$182,500
Cadence Bank	Conventional, HELOC	3 +3 HELOCs	0.4%	75%	$365,000
Equity Prime Mortgage LLC	FHA, VA	3	0.4%	75%	$221,666
Delmar Financial Company	Conventional	3	0.4%	100%	$181,666
AmeriHome Mortgage Company, LLC	FHA	3	0.4%	100%	$301,666
American Financial Network, Inc.	Conventional, FHA	3	0.4%	100%	$258,333
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional	3	0.4%	100%	$571,666	View
Mortgage Financial Services	FHA, USDA	3	0.4%	100%	$241,666
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	3	0.4%	50%	$248,333	View
Gmfs, LLC	Conventional, FHA	3	0.4%	100%	$238,333
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	2	0.3%	100%	$160,000	View
Loanunited.Com, LLC	FHA, VA	2	0.3%	66.7%	$235,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	2	0.3%	100%	$445,000	View
United Built Homes, LLC	Conventional	2	0.3%	66.7%	$310,000
Discover Bank	Conventional	2	0.3%	25%	$110,000
Securitynational Mortgage Company	Conventional, Jumbo	2	0.3%	100%	$690,000
Planet Home Lending, LLC	FHA, VA	2	0.3%	66.7%	$230,000
T2 Financial LLC	FHA	2	0.3%	100%	$150,000
Mutual of Omaha Mortgage	FHA, VA	2	0.3%	40%	$415,000
Nationwide Mortgage Bankers, Inc.	Conventional	2	0.3%	100%	$445,000
Southwest Stage Funding LLC	Conventional, FHA	2	0.3%	100%	$260,000
Reliance First Capital, LLC	Conventional	2	0.3%	100%	$90,000
Spring Eq, LLC	Conventional	2	0.3%	60%	$60,000
Alliant Credit Union	Conventional	1	0.1%	100%	$395,000
Originpoint, LLC	Conventional	1	0.1%	100%	$195,000
Byron Bank A5.0 ★Texas Ratio: 10.13%	Conventional	1	0.1%	100%	$125,000	View
Commercial Capital Bank	Conventional	1	0.1%	100%	$355,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	1	0.1%	100%	$1,685,000	View
Royal United Mortgage LLC	Conventional	1	0.1%	100%	$145,000
Goodleap, LLC	FHA	1	0.1%	100%	$165,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	1	0.1%	100%	$1,505,000	View
Lakeview Loan Servicing, LLC	VA	1	0.1%	33.3%	$255,000
TruHome Solutions, LLC	Conventional	1	0.1%	100%	$395,000
Triad Financial Services, Inc.	Conventional	1	0.1%	31.9%	$95,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$85,000
Pilgrim Mortgage LLC A+5.0 ★Texas Ratio: 1.04%	Conventional	1	0.1%	100%	$255,000	View
Guild Mortgage Company	USDA	1	0.1%	100%	$205,000
Renasant Bank A+5.0 ★Texas Ratio: 4.72%	Conventional	1	0.1%	100%	$165,000	View
AmWest Funding Corp	Conventional	1	0.1%	100%	$145,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional	1	0.1%	100%	$195,000	View
Valley West Corporation	Conventional	1	0.1%	100%	$65,000
Cmg Mortgage Inc	FHA	1	0.1%	100%	$165,000
Standard Mortgage Corporation	Conventional	1	0.1%	100%	$175,000
Das Acquisition Company, LLC	Conventional	1	0.1%	100%	$95,000
Credit Union Mortgage Associat	Conventional	1	0.1%	100%	$105,000
Mid-Continent Funding, Inc.	VA	1	0.1%	50%	$175,000
Weichert Financial Services	FHA	1	0.1%	100%	$475,000
Guaranty Bank & Trust Company of Delhi, Louisiana A5.0 ★Texas Ratio: 13.90%	Conventional	1	0.1%	100%	$95,000	View
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	FHA	1	0.1%	100%	$95,000	View
Community Bank of Mississippi A+5.0 ★Texas Ratio: 3.09%	Conventional	1	0.1%	100%	$305,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0.1%	100%	$145,000	View
Geneva Financial LLC	Conventional	1	0.1%	100%	$215,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	100%	$155,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$235,000	View
Four Points Federal Credit Union	Conventional	1	0.1%	100%	$175,000
Evolve Bank & Trust A5.0 ★Texas Ratio: 10.85%	Conventional	1	0.1%	100%	$245,000	View
Dupaco Community Credit Union	Conventional	1	0.1%	100%	$185,000
Empeople Credit Union	Conventional	1	0.1%	33.3%	$55,000
Stockton Mortgage Corporation	FHA	1	0.1%	50%	$395,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	1	0.1%	100%	$1,755,000	View
Prosperity Home Mortgage, LLC	VA	1	0.1%	50%	$165,000
The Loan Store, Inc	Conventional	1	0.1%	100%	$195,000
Lower, LLC	VA	1	0.1%	100%	$245,000
Hope Federal Credit Union	Conventional	1	0.1%	33.3%	$175,000
State Bank of De Kalb	Conventional	1	0.1%	100%	$325,000
Broadway National Bank A+5.0 ★Texas Ratio: 1.69%	Conventional	1	0.1%	100%	$295,000	View
Red River Employees Federal Credit Union	Conventional	1	0.1%	100%	$185,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$205,000	View
Mortgage Investors Group	Conventional	1	0.1%	100%	$145,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$525,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	50%	$295,000	View
Paramount Residential Mortgage	Conventional	1	0.1%	100%	$185,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo	1	0.1%	50%	$1,005,000
Carrington Mortgage Services LLC	FHA	1	0.1%	25%	$125,000
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0.1%	100%	$155,000	View
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.1%	100%	$145,000	View
Village Capital & Investment	VA	1	0.1%	37.5%	$325,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +7 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +4 HELOCs	0%	n/a
Guaranteed Rate, Inc.	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Eastman Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Hot Springs Mortgage Rate Trends

Daily average mortgage rates for Arkansas compared with the national average, updated every evening.

30-Year Fixed AR Avg

7.428%

▲ 0.145 vs 7 days ago

15-Year Fixed AR Avg

6.915%

▲ 0.068 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Hot Springs, Arkansas

Looking for mortgage lenders near me or mortgage brokers near me in Hot Springs? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Hot Springs in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Hot Springs, AR

Use these to narrow the list above. Each category shows how many Hot Springs, AR lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 77 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 59 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 12 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 50 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 36 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 2 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 20 lenders. Loans above the conforming limit for higher priced homes Local lenders based in AR 27 lenders headquartered in Arkansas, the closest thing to a mortgage lender near you

Who Lends in Hot Springs, AR

Independent mortgage companies closed 62.3 percent of home loans in Hot Springs, Arkansas in 2025, banks 30.6 percent and credit unions 7.1 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, Simmons Bank led with 14 loans.

62.3%

Mortgage companies

30.6%

Banks

7.1%

Credit unions

18%

FHA loans

12%

VA 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

All Arkansas lenders 602 lenders Little Rock 222 lenders Fayetteville 214 lenders Bella Vista 210 lenders Springdale 171 lenders Jonesboro 154 lenders Bentonville 157 lenders Rogers 168 lenders Conway 138 lenders Fort Smith 114 lenders Benton 119 lenders Cabot 125 lenders North Little Rock 121 lenders

Frequently Asked Questions About Mortgage Lenders in Hot Springs, AR

Who is the largest mortgage lender in Hot Springs, AR?

By home loans closed in 2025, Arvest Bank was the largest mortgage lender in Hot Springs, Arkansas with 41 loans, about 5.1 percent of the market. The largest lender headquartered in Arkansas was Simmons Bank with 14 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Hot Springs, AR have the highest approval rates?

Among lenders with meaningful volume in Hot Springs, Arkansas, SWBC Mortgage Corporation approved the highest share of completed applications in 2025 at 98.3 percent, against a 73.3 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.

Which Hot Springs, AR mortgage lenders offer FHA, VA and USDA loans?

50 lenders closed FHA loans in Hot Springs, Arkansas in 2025, led by FirstTrust Home Loans with 15. 36 lenders closed VA loans, led by Mortgage Research Center, and 2 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.

Are credit unions and local banks included in this Hot Springs, AR lender list?

Yes. 59 banks and 12 credit unions closed home loans in Hot Springs, Arkansas in 2025, alongside 77 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.

How are mortgage lenders in Hot Springs, AR ranked on this page?

Lenders are ranked only by the number of home loans they closed in Hot 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 Hot 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 Hot 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.