☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / Tennessee / Cleveland

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Cleveland, Tennessee

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Cleveland, Tennessee mortgage lenders include United Community BankUnited Community Bank2525 Keith St Nw, Cleveland, TN 37312A+5.0 ★Texas Ratio: 2.97%, Regions BankRegions Bank800 25th St Nw, Cleveland, TN 37311A+5.0 ★Texas Ratio: 4.37%, SmartbankSmartbank3200 Keith St Nw, Cleveland, TN 37312A+5.0 ★Texas Ratio: 1.74%, Pinnacle BankPinnacle Bank10 Church St Ne, Cleveland, TN 37311A+5.0 ★Texas Ratio: 3.04%, Truist BankTruist Bank2305 Keith St Nw, Cleveland, TN 37311A+5.0 ★Texas Ratio: 2.87%, SouthEast BankSouthEast Bank3475 Keith St Nw, Cleveland, TN 37312A+5.0 ★Texas Ratio: 0.98%, First Horizon BankFirst Horizon Bank85 25th St Nw, Cleveland, TN 37311A+5.0 ★Texas Ratio: 5.76%, Old National BankOld National Bank3855 Ocoee St N, Cleveland, TN 37312A+5.0 ★Texas Ratio: 4.98%, First Financial Bank NAFirst Financial Bank NA1432 25th St Nw, Cleveland, TN 37311A+5.0 ★Texas Ratio: 4.65%, and Simmons BankSimmons Bank86 Stuart Rd Ne, Cleveland, TN 37312A+5.0 ★Texas Ratio: 5.33%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Cleveland, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cleveland are listed first, then lenders elsewhere in Tennessee, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Cleveland, Tennessee

Market share is the lender's share of all home loans closed in Cleveland, Tennessee. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
United Community Bank 1 office in Cleveland 2525 Keith St Nw, Cleveland, TN 37312 A+5.0 ★Texas Ratio: 2.97%	Conventional, FHA, VA, USDA, HELOC	32 +15 HELOCs	2.9%	91.4%	$262,812	View
Regions Bank 4 offices in Cleveland 800 25th St Nw, Cleveland, TN 37311 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, HELOC	30 +50 HELOCs	2.7%	70%	$181,000	View
Smartbank 1 office in Cleveland 3200 Keith St Nw, Cleveland, TN 37312 A+5.0 ★Texas Ratio: 1.74%	Conventional, FHA, VA, HELOC	27 +7 HELOCs	2.5%	100%	$309,074	View
Pinnacle Bank 1 office in Cleveland 10 Church St Ne, Cleveland, TN 37311 A+5.0 ★Texas Ratio: 3.04%	Conventional, Jumbo, HELOC	12 +4 HELOCs	1.1%	100%	$325,000	View
Truist Bank ★ 1 stars, 1 review 2 offices in Cleveland 2305 Keith St Nw, Cleveland, TN 37311 A+5.0 ★Texas Ratio: 2.87%	Conventional, VA, HELOC	9 +24 HELOCs	0.8%	64.3%	$195,000	View
SouthEast Bank 1 office in Cleveland 3475 Keith St Nw, Cleveland, TN 37312 A+5.0 ★Texas Ratio: 0.98%	Conventional, HELOC	7 +7 HELOCs	0.6%	63.6%	$220,714	View
First Horizon Bank ★ 5 stars, 1 review 2 offices in Cleveland 85 25th St Nw, Cleveland, TN 37311 A+5.0 ★Texas Ratio: 5.76%	Conventional, FHA, HELOC	4 +12 HELOCs	0.4%	50%	$205,000	View
Old National Bank 1 office in Cleveland 3855 Ocoee St N, Cleveland, TN 37312 A+5.0 ★Texas Ratio: 4.98%	Conventional, HELOC	1 +7 HELOCs	0.1%	50%	$275,000	View
First Financial Bank NA 1 office in Cleveland 1432 25th St Nw, Cleveland, TN 37311 A+5.0 ★Texas Ratio: 4.65%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$245,000	View
Simmons Bank 1 office in Cleveland 86 Stuart Rd Ne, Cleveland, TN 37312 A+5.0 ★Texas Ratio: 5.33%	HELOC	0 +3 HELOCs	0%	n/a		View
Bank of Cleveland A+5.0 ★Texas Ratio: 1.28%	Conventional, FHA, VA	49	4.5%	98%	$269,081	View
Builtwell Bank 190 Paul Huff Pkwy Nw, Cleveland, TN 37312 A+5.0 ★Texas Ratio: 2.72%	Conventional, FHA, Jumbo	39	3.6%	90.7%	$208,846	View
Firstbank 8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51%	Conventional, FHA, VA, HELOC	30 +2 HELOCs	2.7%	91.2%	$316,333	View
Millennium Bank 7201 Shallowford Rd, Chattanooga, TN 37421 A5.0 ★Texas Ratio: 7.27%	Conventional	9	0.8%	100%	$150,555	View
Wells Fargo Bank NA 9059 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 5.36%	Conventional	8	0.7%	100%	$265,000	View
Andrew Johnson Bank 4425 Ocoee St N, Cleveland, TN 37312 A5.0 ★Texas Ratio: 6.04%	Conventional	8	0.7%	100%	$230,000	View
Bank of America NA 6186 Stage Rd, Bartlett, TN 38134 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, HELOC	5 +3 HELOCs	0.5%	71.4%	$359,000	View
US Bank, N.A. 929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	4 +5 HELOCs	0.4%	57.1%	$172,500	View
First Community Mortgage, Inc. 2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36%	Conventional, FHA	4	0.4%	80%	$295,000	View
JPMorgan Chase Bank, NA 11849 Crawford Pines Dr, Arlington, TN 38002 A+5.0 ★Texas Ratio: 3.68%	Conventional	3	0.3%	60%	$361,666	View
Fifth Third Bank, National Association 5000 Maryland Way, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$520,000	View
Peoples Bank of the South 2152 N Charles G Seivers Blvd, Clinton, TN 37716 A5.0 ★Texas Ratio: 6.15%	Conventional	2	0.2%	100%	$210,000	View
Community Mortgage Corporation 1007 Us Highway 45 N, Henderson, TN 38340	Conventional	2	0.2%	100%	$315,000
Chattanooga Area Schools Federal Credit Union 1201 Bailey Ave, Chattanooga, TN 37404 2806 A+5.0 ★Texas Ratio: 0.99%	Conventional	2	0.2%	100%	$280,000	View
Bowater Employees Credit Union 4531 Hardwick Farms Pkwy NE, Cleveland, TN 37312 4073 A+5.0 ★Texas Ratio: 4.53%	Conventional	2	0.2%	40%	$125,000	View
Apex Bank 65 Main St, Big Sandy, TN 38221 A-4.9 ★Texas Ratio: 15.84%	Conventional	1	0.1%	100%	$145,000	View
Fortera Federal Credit Union 2050 Lowes Dr, Clarksville, TN 37040 1620 A+5.0 ★Texas Ratio: 3.76%	VA	1	0.1%	100%	$265,000	View
Renasant Bank 6671 Summer Ave, Bartlett, TN 38134 A+5.0 ★Texas Ratio: 4.72%	Conventional	1	0.1%	50%	$315,000	View
Eastman Credit Union 1911 Highway 394, Blountville, TN 37617 5349 A+5.0 ★Texas Ratio: 1.56%	Conventional	1	0.1%	100%	$355,000	View
Consumer Credit Union 3634 E Andrew Johnson Hwy, Greeneville, TN 37745 A+5.0 ★Texas Ratio: 0.68%	Conventional	1	0.1%	50%	$665,000	View
Knoxville TVA Employees Credit Union 1113 Hunters Xing, Alcoa, TN 37701 1852 A+5.0 ★Texas Ratio: 2.34%	Conventional	1	0.1%	100%	$255,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 4216 Century Farms Ter, Antioch, TN 37013 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +2 HELOCs	0%	n/a		View
Ornl Federal Credit Union 103 Hamilton Crossing Dr, Alcoa, TN 37701	HELOC	0 +1 HELOCs	0%	n/a
Tennessee Valley Federal C U	Conventional, VA, HELOC	48 +17 HELOCs	4.4%	79%	$221,666
Mortgage Investors Group	Conventional, FHA, VA	12	1.1%	100%	$245,000
Vanderbilt Mortgage and Finance, Inc	Conventional	6	0.5%	15.1%	$195,000
Churchill Mortgage Corporation	Conventional	2	0.2%	100%	$490,000
21St Mortgage	Conventional	2	0.2%	20%	$140,000
Wesbanco Bank, Inc. A+5.0 ★Texas Ratio: 3.87%	Conventional	1	0.1%	100%	$585,000	View
Enrichment Federal Credit Unio	Conventional	1	0.1%	100%	$105,000
Rocket Mortgage A+5.0 ★Texas Ratio: 2.03%	Conventional, FHA, VA	105	9.6%	82%	$217,666	View
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, HELOC	70 +1 HELOCs	6.4%	93.8%	$315,428
United Wholesale Mortgage	Conventional, FHA, VA	49	4.5%	86.9%	$317,857
First Citizens National Bank	Conventional, FHA, VA, Jumbo, HELOC	42 +19 HELOCs	3.8%	89.8%	$297,380
DHI Mortgage Company, LTD.	Conventional, FHA, VA	41	3.8%	77.8%	$296,707
Union Home Mortgage Corp.	Conventional, FHA	24	2.2%	85.7%	$317,916
Cadence Bank	Conventional, FHA, USDA, Jumbo	23	2.1%	85.2%	$318,913
Freedom Mortgage Corporation	FHA, VA	20	1.8%	86.2%	$267,000
The Loan Store, Inc	Conventional, FHA, VA	19	1.7%	95.2%	$323,947
Summit Funding.Inc	Conventional, FHA, VA	19	1.7%	95%	$241,315
Mortgage Research Center	VA	17	1.6%	70.8%	$380,294
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	15 +1 HELOCs	1.4%	94.1%	$318,333
Pennymac Loan Services LLC	Conventional, FHA, VA	15	1.4%	88.2%	$280,333
Nationstar Mortgage	Conventional, FHA, VA	14	1.3%	100%	$185,714
Tjc Mortgage Inc	Conventional, FHA	13	1.2%	100%	$268,076
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	11 +5 HELOCs	1%	78.6%	$207,727
Absolute Home Mortgage	Conventional, FHA, USDA	9	0.8%	81.8%	$218,333
New American Funding, LLC.	Conventional, FHA	9	0.8%	90%	$279,444
CrossCountry Mortgage, LLC	Conventional, FHA, VA	8	0.7%	88.9%	$252,500
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional, FHA	7	0.6%	100%	$242,142	View
Newrez LLC	Conventional, VA	7	0.6%	100%	$309,285
loanDepot.com LLC	Conventional, FHA	7	0.6%	87.5%	$263,571
AmeriHome Mortgage Company, LLC	Conventional, FHA	7	0.6%	100%	$300,714
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA	7	0.6%	100%	$262,142	View
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	7	0.6%	100%	$307,857
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	6	0.5%	50%	$271,666
Eustis Mortgage Corp	Conventional, FHA	6	0.5%	100%	$233,333
Discover Bank	Conventional	5	0.5%	38.5%	$81,000
Right Start Mortgage, Inc	Conventional	5	0.5%	100%	$199,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	5	0.5%	71.4%	$217,000	View
Village Capital & Investment	FHA, VA	5	0.5%	84.6%	$327,000
Alameda Mortgage Corporation	Conventional, FHA	4	0.4%	80%	$200,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	4	0.4%	66.7%	$352,500	View
Spring Eq, LLC	Conventional, HELOC	3 +4 HELOCs	0.3%	36.4%	$68,333
American Financial Resources LLC	Conventional, FHA	3	0.3%	100%	$165,000
Canopy Mortgage, LLC	Conventional, FHA	3	0.3%	100%	$275,000
Equity Prime Mortgage LLC	FHA, USDA	3	0.3%	75%	$288,333
Kind Lending, LLC	Conventional, FHA	3	0.3%	75%	$345,000
American Financial Network, Inc.	Conventional, FHA, VA	3	0.3%	100%	$338,333
Success Mortgage Partners, Inc	Conventional, FHA	3	0.3%	100%	$201,666
Mutual of Omaha Mortgage	FHA, VA	3	0.3%	100%	$258,333
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	2 +5 HELOCs	0.2%	100%	$220,000	View
Goodleap, LLC	Conventional, FHA, HELOC	2 +3 HELOCs	0.2%	80%	$195,000
Primelending	Conventional	2	0.2%	100%	$285,000
SWBC Mortgage Corporation	Conventional, FHA	2	0.2%	100%	$285,000
Nbkc Bank	Conventional, FHA	2	0.2%	100%	$245,000
Loanunited.Com, LLC	VA	2	0.2%	100%	$345,000
Amerisave Mortgage Company	Conventional	2	0.2%	16.7%	$130,000
Sun West Mortgage Company, Inc	Conventional, FHA	2	0.2%	100%	$335,000
Click n' Close, Inc.	Conventional, FHA	2	0.2%	100%	$155,000
SIRVA Mortgage, Inc.	FHA, VA	2	0.2%	100%	$320,000
Highlands Residential Mortgage, Ltd.	Conventional	2	0.2%	100%	$245,000
New Day Financial, LLC.	VA	2	0.2%	40%	$300,000
Atlantic Bay Mortgage Group	Conventional	2	0.2%	100%	$685,000
Communityamerica Federal Credit Union	Conventional	2	0.2%	100%	$135,000
American Pacific Mortgage Corporation	Conventional, FHA	2	0.2%	100%	$270,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0.2%	100%	$295,000	View
Iserve Residential Lending	Conventional, FHA	2	0.2%	100%	$480,000
Zillow Home Loans, LLC	Conventional, FHA	2	0.2%	100%	$425,000
Lower, LLC	Conventional, VA	2	0.2%	66.7%	$305,000
Farm Credit Mid-America, Aca	Conventional	2	0.2%	100%	$435,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	2	0.2%	100%	$465,000	View
Pentagon Federal Credit Union	VA, HELOC	1 +1 HELOCs	0.1%	100%	$495,000
Better Mortgage Corporation	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$435,000
Redstone Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$85,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$65,000	View
Bank of England A5.0 ★Texas Ratio: 6.45%	Conventional	1	0.1%	100%	$235,000	View
Arc Home LLC	Conventional	1	0.1%	100%	$455,000
Alliant Credit Union	Conventional	1	0.1%	100%	$265,000
Premier Mortgage Resources, LLC	VA	1	0.1%	100%	$335,000
American Mortgage Bank A+5.0 ★Texas Ratio: 4.14%	USDA	1	0.1%	100%	$355,000	View
Guaranteed Rate, Inc.	Conventional	1	0.1%	100%	$245,000
Everett Financial, Inc.	FHA	1	0.1%	100%	$255,000
Envoy Mortgage, Ltd	FHA	1	0.1%	100%	$265,000
United Trust Bank	VA	1	0.1%	100%	$405,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	1	0.1%	100%	$275,000	View
Princeton Mortgage Corporation	Conventional	1	0.1%	100%	$195,000
AdvantageFirst Lending Inc	FHA	1	0.1%	100%	$255,000
AmWest Funding Corp	Conventional	1	0.1%	100%	$235,000
Guaranty Mortgage Services, LLC A+5.0 ★Texas Ratio: 3.97%	FHA	1	0.1%	100%	$295,000	View
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional	1	0.1%	100%	$155,000	View
HomeXpress Mortgage Corp.	Conventional	1	0.1%	100%	$295,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0.1%	100%	$375,000
Lennar Mortgage, LLC	Conventional	1	0.1%	50%	$275,000
Ross Mortgage Corporation	Conventional	1	0.1%	100%	$205,000
Coca-Cola Federal Credit Union	Conventional	1	0.1%	100%	$165,000
Total Mortgage Services, LLC	Conventional	1	0.1%	100%	$245,000
Weichert Financial Services	Conventional	1	0.1%	100%	$475,000
Nfm, Inc	Conventional	1	0.1%	100%	$185,000
NBH Bank A+5.0 ★Texas Ratio: 2.90%	Conventional	1	0.1%	100%	$805,000	View
UNMB Home Loans Inc	FHA	1	0.1%	100%	$475,000
Suncoast Credit Union	Conventional	1	0.1%	100%	$505,000
Planet Home Lending, LLC	VA	1	0.1%	100%	$445,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	VA	1	0.1%	100%	$585,000	View
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$415,000	View
BoxCar Mortgage, LLC	Conventional	1	0.1%	100%	$515,000
Milend, Inc A5.0 ★Texas Ratio: 8.17%	FHA	1	0.1%	50%	$255,000	View
The Mortgage Firm	Conventional	1	0.1%	100%	$155,000
Towne Mortgage Company	Conventional	1	0.1%	100%	$155,000
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$325,000
Prosperity Home Mortgage, LLC	VA	1	0.1%	100%	$205,000
Veritas Funding, LLC	VA	1	0.1%	100%	$365,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	FHA	1	0.1%	100%	$345,000	View
Gmfs, LLC	FHA	1	0.1%	100%	$215,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	1	0.1%	100%	$1,005,000	View
Fairway Independent Mort Corp	FHA	1	0.1%	100%	$295,000
Paramount Residential Mortgage	VA	1	0.1%	100%	$515,000
Carrington Mortgage Services LLC	Conventional	1	0.1%	66.7%	$85,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$245,000	View
Top Flite Financial, Inc.	VA	1	0.1%	50%	$355,000
Leaderone Financial Corp.	VA	1	0.1%	100%	$405,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$405,000
Champions Funding, LLC	Conventional	1	0.1%	100%	$495,000
Figure Lending LLC	HELOC	0 +10 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +6 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +5 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +3 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Cleveland Mortgage Rate Trends

Daily average mortgage rates for Tennessee compared with the national average, updated every evening.

30-Year Fixed TN Avg

7.337%

▲ 0.104 vs 7 days ago

15-Year Fixed TN Avg

6.671%

▲ 0.037 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Cleveland, Tennessee

Looking for mortgage lenders near me or mortgage brokers near me in Cleveland? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cleveland in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Cleveland, TN

Use these to narrow the list above. Each category shows how many Cleveland, TN lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 92 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 49 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 17 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 62 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 45 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 6 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 5 lenders. Loans above the conforming limit for higher priced homes Local lenders based in TN 26 lenders headquartered in Tennessee, the closest thing to a mortgage lender near you

Who Lends in Cleveland, TN

Independent mortgage companies closed 56.4 percent of home loans in Cleveland, Tennessee in 2025, banks 36.7 percent and credit unions 6.9 percent. Community Mortgage Corporation was the largest mortgage company, United Community Bank the largest bank and Chattanooga Area Schools Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, Smartbank led with 27 loans.

56.4%

Mortgage companies

36.7%

Banks

6.9%

Credit unions

21%

FHA loans

13%

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Tennessee. State realty transfer tax of $0.37 per $100 of consideration (0.37 percent) plus a mortgage recordation tax of $0.115 per $100 of indebtedness above the first $2,000 (Tenn. Code 67-4-409).

More Tennessee Mortgage Lender Pages

All Tennessee lenders 1,032 lenders Nashville-Davidson metropolitan government 520 lenders Clarksville 296 lenders Memphis 307 lenders Knoxville 334 lenders Murfreesboro 287 lenders Chattanooga 310 lenders Franklin 258 lenders Lebanon 220 lenders Johnson City 198 lenders Kingsport 178 lenders Maryville 182 lenders Smyrna 182 lenders

Frequently Asked Questions About Mortgage Lenders in Cleveland, TN

Who is the largest mortgage lender in Cleveland, TN?

By home loans closed in 2025, United Community Bank was the largest mortgage lender in Cleveland, Tennessee with 32 loans, about 2.9 percent of the market. The largest lender headquartered in Tennessee was Smartbank with 27 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Cleveland, TN have the highest approval rates?

Among lenders with meaningful volume in Cleveland, Tennessee, Cmg Mortgage Inc approved the highest share of completed applications in 2025 at 93.8 percent, against a 81.7 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Cleveland, TN mortgage lenders offer FHA, VA and USDA loans?

62 lenders closed FHA loans in Cleveland, Tennessee in 2025, led by Rocket Mortgage with 29. 45 lenders closed VA loans, led by Mortgage Research Center, and 6 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Cleveland, TN lender list?

Yes. 49 banks and 17 credit unions closed home loans in Cleveland, Tennessee in 2025, alongside 92 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Cleveland, TN ranked on this page?

Lenders are ranked only by the number of home loans they closed in Cleveland, Tennessee during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Cleveland, Tennessee for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Cleveland. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.