Safe Rate Rankings

Best All Lender Mortgage Lenders in Jonesboro

Updated May 22, 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 Lenders30

Total Loans1,099

Median Rate Spread0.37%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	First Security BankBank	Exceptional	Exceptional	Strong	Strong	$2,130Fees	0.158%Below	21
2	MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,082Fees	0.283%Above	61
3	First Financial BankBank	Strong	Sound	Strong	Exceptional	$2,895Fees	0.312%Above	49
4	LENDLO MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,679Fees	0.185%Above	48
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,453Fees	0.036%Below	41
6	ENCORE BANKBank	Strong	Strong	Sound	Strong	$1,370Fees	0.192%Above	32
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,602Fees	0.520%Above	91
8	Centennial BankBank	Strong	Sound	Sound	Exceptional	$1,702Fees	0.543%Above	47
9	First Horizon BankBank	Strong	Sound	Strong	Strong	$1,537Fees	0.233%Above	38
10	Regions BankBank	Strong	Sound	Strong	Strong	$2,316Fees	0.382%Above	25
11	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$1,322Fees	0.273%Above	20
12	Arvest BankBank	Strong	Acceptable	Strong	Exceptional	$1,896Fees	0.419%Above	109
13	First Community BankBank	Strong	Acceptable	Strong	Exceptional	$2,619Fees	0.173%Above	70
14	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,772Fees	0.538%Above	51
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,004Fees	0.796%Above	39
16	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,179Fees	0.314%Above	32
17	Southern BankBank	Strong	Sound	Sound	Strong	$518Fees	0.128%Below	26
18	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,867Fees	0.509%Above	46
19	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,151Fees	0.634%Above	51
20	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$3,543Fees	0.567%Above	40
21	SENTE MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$3,133Fees	0.730%Above	27
22	First National BankBank	Sound	Mediocre	Sound	Strong	$204Fees	0.898%Above	23

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.