# Best Conventional Mortgage Lenders in Cleveland, TN

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

Compare the top Conventional mortgage lenders in Cleveland, TN. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | First Citizens National Bank | 85 | 64 | 69 | 83 | Bank |
| 2 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 149 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 76 | Independent Mortgage Company |
| 4 | FirstBank | 79 | 50 | 75 | 37 | Bank |
| 5 | Cadence Bank | 79 | 48 | 71 | 35 | Bank |
| 6 | Truist Bank | 79 | 71 | 69 | 24 | Bank |
| 7 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 12 | Credit Union |
| 8 | CMG MORTGAGE, INC. | 75 | 34 | 73 | 134 | Independent Mortgage Company |
| 9 | United Community Bank | 75 | 34 | 65 | 56 | Bank |
| 10 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 17 | Independent Mortgage Company |
| 11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 73 | 40 | 74 | 15 | Independent Mortgage Company |
| 12 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 11 | Bank |
| 13 | TENNESSEE VALLEY FCU | 71 | 23 | 62 | 60 | Credit Union |
| 14 | MORTGAGE INVESTORS GROUP, INC. | 71 | 38 | 74 | 44 | Independent Mortgage Company |
| 15 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 38 | Independent Mortgage Company |
| 16 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 35 | Independent Mortgage Company |
| 17 | Regions Bank | 71 | 39 | 64 | 25 | Bank |
| 18 | THE LOAN STORE, INC. | 66 | 39 | 71 | 18 | Independent Mortgage Company |
| 19 | GUARANTEED RATE, INC. | 66 | 39 | 65 | 14 | Independent Mortgage Company |
| 20 | FIRST COMMUNITY MORTGAGE, INC. | 66 | 31 | 79 | 13 | Independent Mortgage Company |
| 21 | JPMorgan Chase Bank, National Association | 66 | 52 | 71 | 10 | Bank |
| 22 | Renasant Bank | 66 | 35 | 77 | 10 | Bank |
| 23 | SmartBank | 64 | 52 | 56 | 29 | Bank |
| 24 | PENNYMAC LOAN SERVICES, LLC | 62 | 42 | 59 | 10 | Independent Mortgage Company |
| 25 | SUMMIT FUNDING, INC. | 60 | 13 | 72 | 26 | Independent Mortgage Company |
| 26 | ALAMEDA MORTGAGE CORPORATION | 56 | 16 | 73 | 14 | Independent Mortgage Company |
| 27 | NEW AMERICAN FUNDING, LLC | 56 | 26 | 60 | 10 | Independent Mortgage Company |
| 28 | TJC Mortgage, Inc. | 53 | 18 | 43 | 24 | Independent Mortgage Company |
| 29 | Bowater Employees Credit Union | 41 | 17 | 52 | 12 | Credit Union |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.