Safe Rate Rankings

Best Conventional Mortgage Lenders in Jackson

Updated May 20, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders32

Total Loans1,503

Median Rate Spread0.32%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$21Fees	0.411%Below	11
2	Leaders Credit UnionCredit Union	Strong	Sound	Strong	Strong	Exceptional	$1,051Fees	0.312%Above	349
3	Cadence BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,848Fees	0.272%Above	50
4	FirstBankBank	Strong	Sound	Exceptional	Strong	Strong	$2,135Fees	0.303%Above	50
5	Orion Federal Credit UnionCredit Union	Strong	Exceptional	Sound	Sound	Sound	$385Fees	0.054%Below	16
6	First Citizens National BankBank	Strong	Strong	Strong	Strong	Sound	$1,062Fees	0.035%Above	11
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,640Fees	0.466%Above	158
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,113Fees	0.114%Above	64
9	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,869Fees	0.176%Above	13
10	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,733Fees	0.361%Above	12
11	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Acceptable	$2,763Fees	0.106%Below	10
12	MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,267Fees	0.075%Above	132
13	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,144Fees	0.411%Above	132
14	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,020Fees	0.469%Above	116
15	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$3,817Fees	0.310%Below	16
16	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,716Fees	0.366%Above	12
17	Simmons BankBank	Strong	Acceptable	Strong	Sound	Strong	$2,015Fees	0.366%Above	58
18	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,896Fees	0.893%Above	13
19	Legends BankBank	Sound	Acceptable	Sound	Strong	Sound	$1,832Fees	0.222%Above	26
20	Farm Credit Mid-America, ACAIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$4,950Fees	0.506%Above	13

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.