# Best Mortgage Lenders in Jackson, TN

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

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

> **Canonical URL:** https://saferate.com/jackson-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:** 32
- **Total Loans:** 1,503
- **Median Rate Spread:** 0.3183870967741935%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Leaders Credit Union | 78 | 56 | 74 | 349 | Credit Union |
| 2 | MORTGAGE INVESTORS GROUP, INC. | 78 | 43 | 80 | 132 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 64 | Independent Mortgage Company |
| 4 | FirstBank | 78 | 50 | 80 | 50 | Bank |
| 5 | Regions Bank | 73 | 41 | 64 | 116 | Bank |
| 6 | Simmons Bank | 73 | 44 | 61 | 58 | Bank |
| 7 | Cadence Bank | 73 | 47 | 73 | 50 | Bank |
| 8 | ROCKET MORTGAGE, LLC | 68 | 29 | 95 | 158 | Independent Mortgage Company |
| 9 | FIRST COMMUNITY MORTGAGE, INC. | 68 | 31 | 89 | 132 | Independent Mortgage Company |
| 10 | Legends Bank | 66 | 44 | 79 | 26 | Bank |
| 11 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 26 | Independent Mortgage Company |
| 12 | Mortgage Research Center, LLC | 63 | 34 | 70 | 57 | Independent Mortgage Company |
| 13 | Bank of England | 58 | 33 | 64 | 26 | Bank |
| 14 | Click n' Close, Inc. | 42 | 1 | 59 | 25 | 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 Jackson, 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.