# Best Mortgage Lenders in Cleveland, TN

**As of:** 2026-05-20

Compare the top mortgage lenders in Cleveland, TN. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/cleveland-tn/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 34
- **Total Loans:** 1,227
- **Median Rate Spread:** 0.2756969696969697%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 76 | Independent Mortgage Company |
| 2 | First Citizens National Bank | 78 | 70 | 53 | 83 | Bank |
| 3 | MORTGAGE INVESTORS GROUP, INC. | 78 | 43 | 80 | 44 | Independent Mortgage Company |
| 4 | FirstBank | 78 | 50 | 80 | 37 | Bank |
| 5 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 149 | Independent Mortgage Company |
| 6 | CMG MORTGAGE, INC. | 74 | 33 | 81 | 134 | Independent Mortgage Company |
| 7 | Cadence Bank | 73 | 47 | 73 | 35 | Bank |
| 8 | Regions Bank | 73 | 41 | 64 | 25 | Bank |
| 9 | Truist Bank | 73 | 70 | 68 | 24 | Bank |
| 10 | TENNESSEE VALLEY FCU | 68 | 24 | 63 | 60 | Credit Union |
| 11 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 38 | Independent Mortgage Company |
| 12 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 35 | Independent Mortgage Company |
| 13 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 22 | Independent Mortgage Company |
| 14 | SmartBank | 66 | 58 | 46 | 29 | Bank |
| 15 | Mortgage Research Center, LLC | 63 | 34 | 70 | 39 | Independent Mortgage Company |
| 16 | United Community Bank | 62 | 37 | 53 | 56 | Bank |
| 17 | SUMMIT FUNDING, INC. | 54 | 13 | 81 | 26 | Independent Mortgage Company |
| 18 | TJC Mortgage, Inc. | 46 | 20 | 53 | 24 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Cleveland, TN.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.