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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 FHA Mortgage Lenders in Jackson
Updated February 5, 2026
Market Overview
62
Total Lenders
5,032
Total Loans
0.45%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,055 | +0.220% | 450 | |
2 | BankPlus | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,142 | +0.071% | 318 | |
3 | KEESLER | Exceptional | Exceptional | Strong | Strong | Strong | $685 | -0.524% | 36 | |
4 | Community Bank of Mississippi | Exceptional | Strong | Strong | Strong | Exceptional | $2,004 | +0.276% | 284 | |
5 | Liberty | Exceptional | Strong | Exceptional | Strong | Strong | $1,167 | +0.588% | 49 | |
6 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,441 | +0.416% | 718 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,786 | +0.335% | 228 | |
8 | Origin Bank | Exceptional | Strong | Strong | Strong | Strong | $693 | +0.415% | 106 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $1,094 | +0.370% | 39 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,806 | +0.476% | 421 | |
11 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $1,924 | +0.386% | 127 | |
12 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,977 | +0.572% | 98 | |
13 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,721 | +0.514% | 62 | |
14 | Bank of England | Strong | Sound | Exceptional | Strong | Strong | $3,696 | +0.660% | 59 | |
15 | SWBC MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | Sound | $2,335 | +0.442% | 46 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,431 | -0.190% | 26 | |
17 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $1,605 | +0.528% | 25 | |
18 | Towne Bank | Strong | Sound | Exceptional | Exceptional | Sound | $3,311 | +0.369% | 13 | |
19 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $1,346 | +0.631% | 128 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,632 | +0.449% | 60 | |
21 | Magnolia Bank, Incorporated | Strong | Sound | Strong | Strong | Strong | $1,772 | +0.359% | 57 | |
22 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $3,271 | +0.186% | 34 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,666 | +0.701% | 32 | |
24 | FIDELITY BANK | Strong | Sound | Exceptional | Strong | Sound | $2,490 | +0.626% | 31 | |
25 | American Mortgage Bank, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,762 | +0.667% | 227 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,540 | +0.491% | 155 | |
27 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,794 | +0.716% | 89 | |
28 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,647 | +0.387% | 25 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,235 | +0.665% | 24 | |
30 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $1,666 | +0.806% | 23 | |
31 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | -$519 | +0.591% | 139 | |
32 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,833 | +1.063% | 17 | |
33 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,235 | +0.875% | 20 | |
34 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $4,650 | +1.005% | 12 | |
35 | ACOPIA, LLC | Sound | Mediocre | Strong | Strong | Strong | $3,097 | +0.565% | 49 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,058 | +0.524% | 33 | |
37 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,986 | +0.378% | 26 | |
38 | Ixonia Bank | Sound | Mediocre | Exceptional | Strong | Sound | $3,676 | +0.814% | 13 | |
39 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $4,212 | +0.878% | 42 |
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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