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Mortgage Brokers · Hot Springs, AR/Updated June 13, 2026

The 10 Best Mortgage Brokers in Hot Springs, AR

Navigating the mortgage landscape can be daunting. Here’s how to find the right broker in Hot Springs to secure your dream home.

Editorially independent15 companies evaluated
cover story
★ Editor's ChoiceSWBC Mortgage Hot Springs
96Score
Latest update · June 13, 2026: Initial ranking published. 15 Hot Springs-metro mortgage brokers businesses evaluated, top 10 ranked by Vetted Score.

Securing a mortgage in Hot Springs can be a complex process. With 15 providers evaluated, we know that the right broker can make all the difference in getting a favorable loan.

Our list of the top 10 mortgage brokers is based on thorough research and real customer reviews. We’ve analyzed their ratings, the number of reviews, and the service quality to help you make an informed choice.

15mortgage brokers evaluated in Hot Springs
4.96average rating across the field
264customer reviews analyzed

Cityvetted analysis of public Google review data, updated June 13, 2026.

How much does mortgage brokers cost in Hot Springs? See the price breakdown →

Our top picks

At a glance · three categories
★ Editor's Choice
96Score

SWBC Mortgage Hot Springs

★★★★★5.0(96 reviews)

SWBC Mortgage Hot Springs holds a perfect 5-star rating from 96 reviews.

Read full review
Best Value
95Score

Melissa Camras

★★★★★5.0(52 reviews)

Melissa Camras also has a stellar 5-star rating, backed by 52 reviews.

Read full review
Most Reviewed
94Score

Robert Camras, SWBC Mortgage

★★★★★5.0(24 reviews)

Robert Camras, also with a 5-star rating from 24 reviews, is praised for his friendly demeanor and thorough understanding of mortgage products.

Read full review

All 10, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
96Score
5.0★★★★★
96First-time homebuyers
2
Melissa Camras
Melissa Camras
Best Value
95Score
5.0★★★★★
52Finding competitive mortgage rates
3
94Score
5.0★★★★★
24Families securing home loans
4
91Score
4.9★★★★★
27No-nonsense mortgage guidance
5
90Score
5.0★★★★★
21Diverse mortgage options
6
89Score
5.0★★★★★
9Clients who value attentive service
7
86Score
4.6★★★★★
20Quick loan processing
8
84Score
5.0★★★★★
6First-time buyers needing support
9
82Score
5.0★★★★★
4Tech-savvy clients
10
78Score
5.0★★★★★
2Quick consultations
Methodology

How we evaluated all 15 mortgage brokers.

We evaluated the mortgage brokers in Hot Springs by looking at their Vetted Scores, which are derived from customer feedback and service quality. Each provider was assessed based on their ratings and the volume of reviews they received.

To maintain transparency, no business pays for placement in our rankings. We refresh our evaluations monthly to ensure that you have the most current and accurate information when choosing a mortgage broker.

The Vetted Score: six weighted factors

Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%

Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.

Full reviews

The rankings · in order
1
★ Editor's Choice

SWBC Mortgage Hot Springs

★★★★★5.0(96 reviews)
96Score

SWBC Mortgage Hot Springs holds a perfect 5-star rating from 96 reviews. Clients frequently commend their attentive service and expertise in navigating the mortgage process. They are best for first-time homebuyers seeking guidance. However, the service area is primarily focused on Hot Springs, which may limit options for those in surrounding areas.

Pros

  • Highly rated customer service
  • Expertise in first-time home buying
  • Wide range of mortgage options

Cons

  • Limited service area
  • Less focus on investment properties
Best forFirst-time homebuyers
Service areaHot Springs, AR
Typical pricing$1,000 to $3,000 in closing costs
2
Best Value

Melissa Camras

★★★★★5.0(52 reviews)
95Score

Melissa Camras also has a stellar 5-star rating, backed by 52 reviews. Customers appreciate her personalized approach and thorough explanations of mortgage options. She excels at finding competitive rates for clients. Still, her smaller review base compared to larger firms may leave some potential clients uncertain. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is finding competitive mortgage rates. It serves Hot Springs, AR, with $1,200 to $2,800 in closing costs pricing, and the honest trade-offs are smaller review base and limited availability for urgent requests.

Pros

  • Personalized service
  • Competitive rates
  • Clear communication

Cons

  • Smaller review base
  • Limited availability for urgent requests
Best forFinding competitive mortgage rates
Service areaHot Springs, AR
Typical pricing$1,200 to $2,800 in closing costs
3
Most Reviewed

Robert Camras, SWBC Mortgage

★★★★★5.0(24 reviews)
94Score

Robert Camras, also with a 5-star rating from 24 reviews, is praised for his friendly demeanor and thorough understanding of mortgage products. He is particularly suited for families looking to secure a home loan with ease. However, his limited number of reviews means his reputation is still developing. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is families securing home loans. It serves Hot Springs, AR, with $1,000 to $3,000 in closing costs pricing, and the honest trade-offs are limited reviews and may not handle complex cases.

Pros

  • Friendly and approachable
  • Thorough mortgage knowledge
  • Good for families

Cons

  • Limited reviews
  • May not handle complex cases
Best forFamilies securing home loans
Service areaHot Springs, AR
Typical pricing$1,000 to $3,000 in closing costs
4

Gary M Westerman Financial

★★★★★4.9(27 reviews)
91Score

Gary M Westerman Financial has garnered a 4.9-star rating from 27 reviews. Clients appreciate his straightforward communication and ability to simplify the mortgage process. He is a solid choice for those who prefer a no-nonsense approach. However, some clients mention a slower response time during peak periods. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is no-nonsense mortgage guidance. It serves Hot Springs, AR, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are slower response time during busy periods and less personal touch.

Pros

  • Straightforward communication
  • Simplifies the mortgage process
  • Good for first-time buyers

Cons

  • Slower response time during busy periods
  • Less personal touch
Best forNo-nonsense mortgage guidance
Service areaHot Springs, AR
Typical pricing$1,000 to $2,500 in closing costs
5

Primary Residential Mortgage, Inc.

★★★★★5.0(21 reviews)
90Score

Primary Residential Mortgage, Inc. holds a 5-star rating from 21 reviews. Clients commend their knowledgeable staff and variety of mortgage options. They are ideal for those seeking a wide selection of loan types. However, some reviews note that processing times can be longer than expected. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is diverse mortgage options. It serves Hot Springs, AR, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are longer processing times and less personalized service.

Pros

  • Knowledgeable staff
  • Variety of loan options
  • Good for diverse financial situations

Cons

  • Longer processing times
  • Less personalized service
Best forDiverse mortgage options
Service areaHot Springs, AR
Typical pricing$1,000 to $2,500 in closing costs

Mary Pendergraft has a perfect 5-star rating from 9 reviews. Customers appreciate her dedication and responsiveness throughout the mortgage process. She is particularly well-suited for clients who value attentive service. However, her limited review count might raise questions about her experience. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is clients who value attentive service. It serves Hot Springs, AR, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are limited review count and may lack experience in complex cases.

Pros

  • Dedicated and responsive
  • Attentive service
  • Good for personal interactions

Cons

  • Limited review count
  • May lack experience in complex cases
Best forClients who value attentive service
Service areaHot Springs, AR
Typical pricing$1,000 to $2,500 in closing costs
7

Bank of England Mortgage

★★★★★4.6(20 reviews)
86Score

Bank of England Mortgage has a 4.6-star rating from 20 reviews. Reviewers appreciate their professional approach and efficient loan processing. They are a solid choice for those who prioritize quick closings. However, some clients report a lack of personalized service, which may not suit everyone. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is quick loan processing. It serves Hot Springs, AR, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are less personalized service and mixed experiences with communication.

Pros

  • Professional approach
  • Efficient loan processing
  • Good for quick closings

Cons

  • Less personalized service
  • Mixed experiences with communication
Best forQuick loan processing
Service areaHot Springs, AR
Typical pricing$1,000 to $2,500 in closing costs
8

Supreme Lending Hot Springs

★★★★★5.0(6 reviews)
84Score

Supreme Lending Hot Springs has earned a 5-star rating from 6 reviews. Clients praise their friendly service and willingness to answer questions. They are great for first-time buyers needing support. However, the thin review base means their reliability isn't fully established yet. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is first-time buyers needing support. It serves Hot Springs, AR, with $1,000 to $3,000 in closing costs pricing, and the honest trade-offs are thin review base and limited experience.

Pros

  • Friendly service
  • Willing to answer questions
  • Good for first-time buyers

Cons

  • Thin review base
  • Limited experience
Best forFirst-time buyers needing support
Service areaHot Springs, AR
Typical pricing$1,000 to $3,000 in closing costs
9

Apex Mortgage

★★★★★5.0(4 reviews)
82Score

Apex Mortgage has a perfect 5-star rating from 4 reviews. Clients appreciate their quick responses and helpful advice. They are suitable for tech-savvy clients who prefer digital communication. However, the very limited number of reviews may leave potential clients uncertain about their overall reliability. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is tech-savvy clients. It serves Hot Springs, AR, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are very limited reviews and less personal interaction.

Pros

  • Quick responses
  • Helpful advice
  • Suitable for tech-savvy clients

Cons

  • Very limited reviews
  • Less personal interaction
Best forTech-savvy clients
Service areaHot Springs, AR
Typical pricing$1,000 to $2,500 in closing costs
10

Top Flite Home Loans/Arkansas

★★★★★5.0(2 reviews)
78Score

Top Flite Home Loans/Arkansas has a 5-star rating from 2 reviews. Clients have noted their friendly service and willingness to help. They are an option for those seeking a quick consultation. However, the very small review count makes it hard to gauge their overall performance. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is quick consultations. It serves Hot Springs, AR, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are very few reviews and limited information about services.

Pros

  • Friendly service
  • Willingness to help
  • Good for quick consultations

Cons

  • Very few reviews
  • Limited information about services
Best forQuick consultations
Service areaHot Springs, AR
Typical pricing$1,000 to $2,500 in closing costs
Before you book

How to choose a mortgage broker in Hot Springs

Choosing the right mortgage broker is crucial to securing a favorable loan. Ask these questions to help you find a trustworthy provider.

How many loans have you processed?

Understanding their experience level can indicate their ability to navigate various loan scenarios.

What types of loans do you offer?

Ensure they provide the specific loan products that meet your financial needs.

Can you provide references from past clients?

Hearing from previous clients can give you insights into their service quality and reliability.

What it costs

What mortgage brokers cost in Hot Springs

Mortgage broker fees can vary widely based on the services offered and the complexity of your financial situation. Here’s what you might expect to pay.

Standard feesTypically range from 1% to 2% of the loan amount.
Application fees$300 to $600, depending on the broker and service level.
Rate lock fees$0 to $1,000, depending on the lender's policy.
Closing costs$2,000 to $5,000, which may include various fees associated with the loan process.

Frequently asked questions

How much does a mortgage cost in Hot Springs?

Mortgage costs in Hot Springs can vary widely based on the lender, loan type, and your financial profile. Typically, you might expect to pay between $1,000 to $3,000 in closing costs.

What is the average interest rate for mortgages in Hot Springs?

As of now, average interest rates for mortgages in Hot Springs hover around 3.5% to 4.5%, depending on the lender and your credit score.

How often is this ranking updated?

We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.

Our verdict

For most Hot Springs homeowners: <strong>SWBC Mortgage Hot Springs</strong>

For those looking for a reliable mortgage broker in Hot Springs, SWBC Mortgage Hot Springs is your best bet, holding a perfect 5-star rating from 96 reviews. If you prefer a broker with a more personal touch, Melissa Camras is a strong alternative, especially for first-time buyers needing guidance through the process. Alternatively, Robert Camras, SWBC Mortgage is an excellent choice for clients who might want a broker with a smaller review base but still a solid rating, making it a promising pick for those who value a more intimate service.