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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Jackson
Updated February 5, 2026
Market Overview
33
Total Lenders
1,505
Total Loans
0.46%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $1,260 | -0.053% | 16 | |
2 | The Dart Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,359 | +0.399% | 136 | |
3 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | -$233 | +0.676% | 70 | |
4 | MARSHALL COMMUNITY CREDIT UNION | Exceptional | Strong | Strong | Exceptional | Strong | $634 | +0.291% | 15 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $218 | -0.577% | 14 | |
6 | RUOFF MORTGAGE COMPANY, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,911 | +0.411% | 101 | |
7 | STAUNTON FINANCIAL, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,342 | +0.346% | 33 | |
8 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $625 | +0.467% | 30 | |
9 | First Merchants Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,039 | +0.184% | 21 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,184 | +0.570% | 257 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,339 | +0.390% | 137 | |
12 | MORTGAGE CENTER L.C | Strong | Strong | Strong | Strong | Sound | $1,869 | +0.128% | 15 | |
13 | MICHIGAN STATE UNIVERSITY Federal Credit Union | Strong | Strong | Strong | Strong | Sound | $1,225 | +0.282% | 13 | |
14 | Independent Bank | Strong | Strong | Strong | Strong | Sound | $1,171 | +0.270% | 11 | |
15 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,069 | +0.407% | 117 | |
16 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,589 | +0.627% | 80 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,997 | +0.212% | 14 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,075 | +0.923% | 88 | |
19 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $1,256 | +0.313% | 41 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,964 | +1.012% | 35 | |
21 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,608 | +0.569% | 33 | |
22 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,328 | +0.343% | 28 | |
23 | Premier Bank | Strong | Sound | Strong | Strong | Sound | $1,285 | +0.451% | 10 | |
24 | GreenStone Farm Credit Services, FLCA | Strong | Acceptable | Strong | Strong | Strong | $2,657 | +1.017% | 23 | |
25 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,675 | +0.363% | 14 | |
26 | GVC MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,155 | +1.090% | 10 | |
27 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $3,078 | +0.982% | 30 | |
28 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,943 | +0.677% | 14 | |
29 | University Bank | Strong | Acceptable | Strong | Strong | Sound | $2,192 | +0.551% | 10 | |
30 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | Sound | $2,227 | +0.599% | 10 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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