Top Mortgage Lenders in Fort Smith, AR

Which mortgage lender in the Fort Smith, AR area typically has the best rates? To help you narrow down where to shop for a mortgage, provides an objective and data driven ranking of mortgage lenders operating in the Fort Smith, AR area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Fort Smith, AR area in terms of interest rate is Armstrong Bank, with an average “Rate Difference” of -0.10%. This means that, comparing similar borrowers, Armstrong Bank provided a -0.10% lower interest rate for its customers than other lenders in the area. Armstrong Bank has a market share of 5.4%. On the other hand, the most popular lender in the Fort Smith, AR area is Arvest Bank, with a larger market share of 22.4%. Arvest Bank is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.05% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Fort Smith, AR area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Fort Smith, AR is First National Bank of Fort Smith. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is United Federal Credit Union. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Armstrong Bank. The cheapest VA mortgage provider is also Armstrong Bank. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Fort Smith, AR

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Armstrong Bank-0.10%(4.0)5.41%
First National Bank of Fort Smith-0.09%(4.0)3.94%
Arvest Bank-0.05%(4.0)22.43%
First Western Bank-0.05%(3.5)3.02%
Gateway First Bank-0.02%(3.5)4.25%
BancorpSouth Bank-0.02%(3.5)8.07%
United Federal Credit Union-0.01%(3.5)6.28%
US Bank0.00%(3.5)1.91%
Centennial Bank0.01%(3.5)1.23%
Wells Fargo Bank0.02%(3.5)1.23%
Firstar Bank0.02%(3.5)11.73%
First Financial Bank AR & MS0.02%(3.5)5.81%
Regions Bank0.03%(3.5)3.70%
SWBC Mortgage0.04%(3.5)2.74%
Simmons Bank0.04%(3.5)2.35%
Quicken Loans0.13%(3.0)10.10%
Fairway Independent Mortgage Corporation0.17%(2.5)2.31%
Lender NameRate DifferenceRate RatingMarket Share
Armstrong Bank-0.13%(4.0)6.21%
First National Bank of Fort Smith-0.09%(4.0)4.12%
First Western Bank-0.04%(3.5)3.41%
US Bank-0.03%(3.5)1.67%
Arvest Bank-0.02%(3.5)20.25%
BancorpSouth Bank-0.02%(3.5)9.74%
Gateway First Bank-0.02%(3.5)5.20%
Regions Bank-0.01%(3.5)4.54%
Wells Fargo Bank-0.00%(3.5)1.31%
Centennial Bank0.01%(3.5)1.61%
Simmons Bank0.01%(3.5)2.45%
First Financial Bank AR & MS0.03%(3.5)7.59%
Firstar Bank0.03%(3.5)12.25%
SWBC Mortgage0.03%(3.5)3.88%
United Federal Credit Union0.06%(3.0)5.44%
Quicken Loans0.14%(3.0)4.00%
Fairway Independent Mortgage Corporation0.17%(2.5)3.35%
Lender NameRate DifferenceRate RatingMarket Share
Arvest Bank-0.09%(4.0)26.75%
United Federal Credit Union-0.09%(4.0)7.97%
First National Bank of Fort Smith-0.08%(4.0)3.57%
First Western Bank-0.05%(4.0)2.26%
First Financial Bank AR & MS-0.03%(3.5)2.26%
Gateway First Bank-0.02%(3.5)2.38%
Firstar Bank-0.01%(3.5)10.70%
BancorpSouth Bank-0.00%(3.5)4.76%
Armstrong Bank0.01%(3.5)3.80%
Centennial Bank0.02%(3.5)0.48%
SWBC Mortgage0.04%(3.5)0.48%
US Bank0.04%(3.5)2.38%
Fairway Independent Mortgage Corporation0.04%(3.5)0.24%
Wells Fargo Bank0.07%(3.0)1.07%
Simmons Bank0.11%(3.0)2.14%
Quicken Loans0.13%(3.0)22.24%
Regions Bank0.17%(2.5)2.02%
Lender NameRate DifferenceRate RatingMarket Share
First National Bank of Fort Smith-0.08%(4.0)6.06%
Gateway First Bank-0.08%(4.0)3.92%
First Western Bank-0.05%(3.5)2.82%
Arvest Bank-0.04%(3.5)26.27%
Armstrong Bank-0.02%(3.5)4.35%
First Financial Bank AR & MS-0.02%(3.5)4.10%
United Federal Credit Union-0.01%(3.5)8.45%
BancorpSouth Bank-0.00%(3.5)9.74%
Centennial Bank-0.00%(3.5)0.98%
US Bank0.00%(3.5)2.27%
Firstar Bank0.01%(3.5)10.17%
Wells Fargo Bank0.02%(3.5)1.71%
SWBC Mortgage0.02%(3.5)2.08%
Regions Bank0.04%(3.5)3.92%
Simmons Bank0.05%(3.5)2.63%
Fairway Independent Mortgage Corporation0.10%(3.0)0.55%
Quicken Loans0.19%(2.5)8.21%
Lender NameRate DifferenceRate RatingMarket Share
Gateway First Bank-0.10%(4.0)5.06%
First National Bank of Fort Smith-0.09%(4.0)6.98%
Armstrong Bank-0.05%(4.0)4.35%
First Western Bank-0.04%(3.5)2.94%
US Bank-0.04%(3.5)2.02%
First Financial Bank AR & MS-0.02%(3.5)5.47%
Regions Bank-0.01%(3.5)4.76%
Centennial Bank-0.01%(3.5)1.32%
BancorpSouth Bank-0.01%(3.5)12.85%
Wells Fargo Bank-0.00%(3.5)2.02%
Simmons Bank0.00%(3.5)2.73%
Arvest Bank0.01%(3.5)23.38%
SWBC Mortgage0.02%(3.5)3.14%
Firstar Bank0.03%(3.5)9.51%
United Federal Credit Union0.06%(3.0)7.29%
Fairway Independent Mortgage Corporation0.10%(3.0)0.91%
Quicken Loans0.16%(2.5)3.74%
Lender NameRate DifferenceRate RatingMarket Share
Arvest Bank-0.09%(4.0)30.70%
United Federal Credit Union-0.09%(4.0)10.23%
First National Bank of Fort Smith-0.07%(4.0)4.65%
First Western Bank-0.05%(4.0)2.64%
First Financial Bank AR & MS-0.03%(3.5)2.02%
Gateway First Bank-0.02%(3.5)2.17%
Firstar Bank-0.02%(3.5)11.16%
BancorpSouth Bank-0.00%(3.5)4.96%
Armstrong Bank0.02%(3.5)4.34%
Centennial Bank0.02%(3.5)0.47%
SWBC Mortgage0.05%(3.5)0.47%
US Bank0.05%(3.0)2.64%
Wells Fargo Bank0.07%(3.0)1.24%
Simmons Bank0.13%(3.0)2.48%
Regions Bank0.17%(2.5)2.64%
Quicken Loans0.21%(2.5)15.04%
Lender NameRate DifferenceRate RatingMarket Share
Armstrong Bank-0.20%(4.5)9.20%
Arvest Bank-0.12%(4.0)13.37%
BancorpSouth Bank-0.08%(4.0)6.08%
First Western Bank-0.05%(3.5)4.69%
SWBC Mortgage-0.02%(3.5)2.95%
Regions Bank-0.01%(3.5)2.95%
US Bank0.01%(3.5)0.35%
Centennial Bank0.03%(3.5)1.91%
Simmons Bank0.03%(3.5)1.91%
Firstar Bank0.04%(3.5)16.84%
Quicken Loans0.04%(3.5)14.06%
First Financial Bank AR & MS0.07%(3.0)10.76%
United Federal Credit Union0.07%(3.0)2.78%
Gateway First Bank0.12%(3.0)4.86%
Fairway Independent Mortgage Corporation0.20%(2.5)5.90%
Lender NameRate DifferenceRate RatingMarket Share
Armstrong Bank-0.21%(4.5)10.32%
Arvest Bank-0.12%(4.0)14.53%
BancorpSouth Bank-0.10%(4.0)6.32%
First Western Bank-0.05%(3.5)5.26%
SWBC Mortgage-0.02%(3.5)3.37%
Regions Bank-0.01%(3.5)3.58%
US Bank0.02%(3.5)0.42%
Centennial Bank0.03%(3.5)2.11%
Simmons Bank0.04%(3.5)2.11%
Firstar Bank0.04%(3.5)18.32%
First Financial Bank AR & MS0.08%(3.0)12.84%
United Federal Credit Union0.08%(3.0)3.37%
Gateway First Bank0.12%(3.0)5.68%
Quicken Loans0.14%(3.0)5.05%
Fairway Independent Mortgage Corporation0.21%(2.5)6.74%
Lender NameRate DifferenceRate RatingMarket Share
Armstrong Bank-0.05%(3.5)3.96%
Arvest Bank-0.04%(3.5)7.92%
Simmons Bank-0.01%(3.5)0.99%
Quicken Loans-0.00%(3.5)56.44%
First Western Bank0.00%(3.5)1.98%
BancorpSouth Bank0.00%(3.5)4.95%
Centennial Bank0.01%(3.5)0.99%
First Financial Bank AR & MS0.01%(3.5)0.99%
SWBC Mortgage0.01%(3.5)0.99%
Firstar Bank0.01%(3.5)9.90%
Gateway First Bank0.01%(3.5)0.99%
Fairway Independent Mortgage Corporation0.03%(3.5)1.98%
Lender NameRate DifferenceRate RatingMarket Share
United Federal Credit Union-0.01%(3.5)9.09%
US Bank-0.01%(3.5)36.36%
Simmons Bank0.00%(3.5)9.09%
Regions Bank0.00%(3.5)27.27%
Firstar Bank0.01%(3.5)18.18%
Lender NameRate DifferenceRate RatingMarket Share
Simmons Bank-0.00%(3.5)20.00%
US Bank-0.00%(3.5)20.00%
Regions Bank0.00%(3.5)60.00%
Lender NameRate DifferenceRate RatingMarket Share
United Federal Credit Union-0.01%(3.5)16.67%
US Bank-0.01%(3.5)50.00%
Firstar Bank0.02%(3.5)33.33%
Lender NameRate DifferenceRate RatingMarket Share
Armstrong Bank-0.09%(4.0)4.07%
Arvest Bank-0.07%(4.0)19.66%
Gateway First Bank-0.03%(3.5)5.08%
First Financial Bank AR & MS-0.02%(3.5)5.76%
First Western Bank-0.01%(3.5)1.02%
Wells Fargo Bank-0.01%(3.5)1.02%
Firstar Bank-0.01%(3.5)10.17%
Centennial Bank-0.00%(3.5)1.36%
US Bank0.00%(3.5)1.69%
Simmons Bank0.01%(3.5)1.36%
BancorpSouth Bank0.01%(3.5)3.05%
United Federal Credit Union0.01%(3.5)1.02%
Regions Bank0.03%(3.5)3.05%
Quicken Loans0.06%(3.0)13.22%
SWBC Mortgage0.10%(3.0)6.10%
Fairway Independent Mortgage Corporation0.12%(3.0)5.08%
Lender NameRate DifferenceRate RatingMarket Share
Armstrong Bank-0.09%(4.0)5.83%
Arvest Bank-0.07%(4.0)18.93%
Gateway First Bank-0.03%(3.5)4.85%
Wells Fargo Bank-0.03%(3.5)0.97%
First Western Bank-0.01%(3.5)1.46%
Firstar Bank-0.01%(3.5)11.65%
Centennial Bank-0.00%(3.5)1.94%
First Financial Bank AR & MS-0.00%(3.5)5.83%
US Bank0.00%(3.5)2.43%
United Federal Credit Union0.01%(3.5)1.46%
Simmons Bank0.01%(3.5)1.46%
Quicken Loans0.02%(3.5)2.91%
BancorpSouth Bank0.02%(3.5)2.91%
Regions Bank0.03%(3.5)4.37%
SWBC Mortgage0.10%(3.0)8.74%
Fairway Independent Mortgage Corporation0.12%(3.0)7.28%
Lender NameRate DifferenceRate RatingMarket Share
Arvest Bank-0.09%(4.0)21.35%
First Financial Bank AR & MS-0.06%(4.0)5.62%
Gateway First Bank-0.04%(3.5)5.62%
Simmons Bank-0.01%(3.5)1.12%
BancorpSouth Bank-0.01%(3.5)3.37%
Firstar Bank0.01%(3.5)6.74%
Wells Fargo Bank0.02%(3.5)1.12%
Quicken Loans0.07%(3.0)37.08%

* Data is compiled for the Fort Smith, AR commuting zone area, which comprises of counties of Crawford County, AR, Franklin County, AR, Logan County, AR, Scott County, AR, Sebastian County, AR, and Sequoyah County, OK. This includes cities/towns/communities of Fort Smith, AR as well as Van Buren, AR, Barling, AR, Central City, AR, Rudy, AR, Huntington, AR, Roland, OK, Hackett, AR, Sallisaw, OK, Muldrow, OK, Branch, AR, Altus, AR, Greenwood, AR, Dyer, AR, Mansfield, AR, Mountainburg, AR, Cedarville, AR, Vian, OK, Kibler, AR, Waldron, AR, Brushy, OK, Brent, OK, Morrison Bluff, AR, Evening Shade, OK, Ozark, AR, Booneville, AR, Magazine, AR, Paris, AR, Subiaco, AR, and Blue Mountain, AR. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings in Other Cities

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