FirstTrust Home Loans NMLS #75271
At a glance
- HeadquartersSheridan, AR
- Size3,257 home loans closed in 2025
- Loan typesConventional, FHA, USDA and VA
- Licensed in14 states
- Formed in2003
2025 figures are for FIRSTTRUST HOME LOANS, INC.'s filing.
What it closes
Share of its 2025 home loans: 43% Conventional, 31% FHA, 17% USDA and 9% VA.
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Who is FirstTrust Home Loans?
FirstTrust Home Loans (NMLS #75271) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is FirstTrust Home Loans legit?
Here's what public licensing records show. FirstTrust Home Loans holds mortgage licenses in 14 states, including Arkansas, Florida, Georgia, Illinois, Kentucky (NMLS ID #75271, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerFirstTrust Home Loans
- NMLS #75271
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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About FirstTrust Home Loans
Overview
FirstTrust Home Loans is a home financing company that works with borrowers on mortgage loans. Borrowers can search for loan officers by state.
Mortgage options
In 2025, FirstTrust Home Loans made conventional, FHA, VA and USDA loans. Its loans that year were for home purchases, refinances and cash-out refinances.
How it works
FirstTrust Home Loans supports an online process through its MortgageStrong app. Borrowers can use the app to apply for a mortgage, track the loan process and send documents.
Locations
FirstTrust Home Loans has 30 branches in Alabama, Arkansas, Illinois, Kentucky, Louisiana, Missouri, Mississippi, Oklahoma, Tennessee, Texas and Wisconsin.
Company details and licensing
The legal entity is FirstTrust Home Loans, Inc., a corporation formed in Arkansas on November 17, 2003. The company also uses the trade names First Arkansas Financial, Direct Rate Mortgage and Universal Home Mortgage.
Its headquarters are at 99 Grant 65 in Sheridan, Arkansas 72150. NMLS company ID is 75271.
FirstTrust Home Loans is licensed in Alabama, Arkansas, Florida, Georgia, Illinois, Kentucky, Louisiana, Minnesota, Missouri, Mississippi, Ohio, Oklahoma, Tennessee, Texas and Wisconsin.
Verify NMLS #75271 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asFIRSTTRUST HOME LOANS, INC.
- 2025 home loan decisionsOf 3,285 applications decided by FIRSTTRUST HOME LOANS, INC. in 2025, 3,257 were originated, 0 were approved but not accepted by the borrower, and 28 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 99.1%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 577 applications were withdrawn by the borrower, 4 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.37 percentage points above the average prime offer rate (reported on 3,256 originations, 1 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$5,369.00 — originated closed-end household loans, 2025, 3,211 of 3,243 loans. FFIEC HMDA data browser.
- Median origination charges$1,886.92 — originated closed-end household loans, 2025, 3,243 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types1,394 Conventional, 1,030 FHA, 285 VA, 548 USDA — of 3,257 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for FIRSTTRUST HOME LOANS, INC. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
Is FirstTrust Home Loans legit?
Here's what public licensing records show. FirstTrust Home Loans holds mortgage licenses in 14 states, including Arkansas, Florida, Georgia, Illinois, Kentucky (NMLS ID #75271, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is FirstTrust Home Loans's NMLS number?
FirstTrust Home Loans's NMLS number is 75271. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified FirstTrust Home Loans's NMLS ID?
Yes. We checked FirstTrust Home Loans's company name and NMLS ID against the NMLS record on August 25, 2026. They've been in our lender network since July 2024. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about FirstTrust Home Loans?
This page has FirstTrust Home Loans's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.