# Best Conventional Mortgage Lenders in Jackson, TN

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

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

> **Canonical URL:** https://saferate.com/jackson-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:** 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 | 79 | 55 | 70 | 349 | Credit Union |
| 2 | Cadence Bank | 79 | 48 | 71 | 50 | Bank |
| 3 | FirstBank | 79 | 50 | 75 | 50 | Bank |
| 4 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 11 | Credit Union |
| 5 | ROCKET MORTGAGE, LLC | 75 | 28 | 87 | 158 | Independent Mortgage Company |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 64 | Independent Mortgage Company |
| 7 | First Citizens National Bank | 74 | 64 | 69 | 11 | Bank |
| 8 | First Horizon Bank | 73 | 57 | 65 | 13 | Bank |
| 9 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 12 | Bank |
| 10 | MORTGAGE INVESTORS GROUP, INC. | 71 | 38 | 74 | 132 | Independent Mortgage Company |
| 11 | FIRST COMMUNITY MORTGAGE, INC. | 71 | 31 | 79 | 132 | Independent Mortgage Company |
| 12 | Regions Bank | 71 | 39 | 64 | 116 | Bank |
| 13 | Orion Federal Credit Union | 68 | 95 | 55 | 16 | Credit Union |
| 14 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 16 | Independent Mortgage Company |
| 15 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 12 | Independent Mortgage Company |
| 16 | Wells Fargo Bank, National Association | 66 | 61 | 57 | 10 | Bank |
| 17 | Simmons Bank | 63 | 39 | 54 | 58 | Bank |
| 18 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 13 | Independent Mortgage Company |
| 19 | Legends Bank | 58 | 40 | 75 | 26 | Bank |
| 20 | Farm Credit Mid-America, ACA | 49 | 6 | 52 | 13 | 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. **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.