What loan types does First Horizon Bank offer?

First Horizon Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does First Horizon Bank offer mortgages?

First Horizon Bank is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are First Horizon Bank's mortgage rates?

First Horizon Bank has an overall pricing score of 48.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Horizon Bank?

First Horizon Bank is a Bank headquartered in Memphis, TN.

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First Horizon Bank

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We analyzed every closed loan from First Horizon Bank — 4.5k loans across 6k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

Jumbo

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Explore another lender or local market

Report Card

First Horizon Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+13.0 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

Jumbo

Exceptional

Top 10% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Sound	Strong	3,174	71.1%	+0.141%Above	$1,787Fees
FHA Loans	Strong	Strong	Strong	Strong	197	4.4%	+0.450%Above	$2,216Fees
VA Loans	Strong	Strong	Exceptional	Strong	179	4.0%	-0.437%Below	$853Fees
Jumbo Loans	Strong	Exceptional	Acceptable	Strong	882	19.8%	+0.118%Above	$954Fees
USDA Loans	Strong	Strong	—	Strong	30	0.7%	+0.163%Above	$1,430Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume3,174

Mix71.1%

Spread

+0.141%Above

Fees

$1,787Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume197

Mix4.4%

Spread

+0.450%Above

Fees

$2,216Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume179

Mix4.0%

Spread

-0.437%Below

Fees

$853Fees

Jumbo Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume882

Mix19.8%

Spread

+0.118%Above

Fees

$954Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume30

Mix0.7%

Spread

+0.163%Above

Fees

$1,430Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Sound	Strong	4,000	89.6%	+0.129%Above	$1,650Fees
Refinance	Strong	Strong	Sound	Strong	462	10.4%	+0.141%Above	$1,229Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume4,000

Mix89.6%

Spread

+0.129%Above

Fees

$1,650Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume462

Mix10.4%

Spread

+0.141%Above

Fees

$1,229Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

4,462

Applications

6,204

Volume

$2 billion

Pricing & Closing

Avg Rate Spread

+0.130%

vs. market APOR

Avg Net Fees

$1,607

Origination − Credits

Pullthrough Rate

71.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$535,101

Avg Borrower Income

$264,324

Avg Property Value

$667,352

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast6

CTMANJNYPARI

Midwest10

IAILINKSMIMNMONEOHWI

South15

ALARFLGAKYLAMDMSNCOKSCTNTXVAWV

West9

AZCACOMTNMNVORUTWA

Top Metro Areas by Place Specialization Score

1© thepipe26 · CC BY 2.0

New Orleans, LAMetro

Volume 253Mix 5.67% of portfolio

88/100

Exceptional

2© Thomas R Machnitzki (thomasmachnitzki.com) · CC BY 3.0

Little Rock, ARMetro

Volume 203Mix 4.55% of portfolio

84/100

Exceptional

3© Quintin Soloviev · CC BY 4.0

Nashville, TNMetro

Volume 346Mix 7.75% of portfolio

81/100

Exceptional

Memphis, TNMetro

Volume 241Mix 5.40% of portfolio

78/100

Strong

Lafayette, LAMetro

Volume 104Mix 2.33% of portfolio

76/100

Strong

Dallas, TXMetro

Volume 290Mix 6.50% of portfolio

74/100

Strong

Jonesboro, ARMetro

Volume 38Mix 0.85% of portfolio

73/100

Strong

Lake Charles, LAMetro

Volume 48Mix 1.08% of portfolio

71/100

Strong

Atlanta, GAMetro

Volume 210Mix 4.71% of portfolio

70/100

Strong

Fayetteville, ARMetro

Volume 122Mix 2.73% of portfolio

70/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

TennesseeState

Volume 891Mix 19.97% of portfolio

85/100

Exceptional

LouisianaState

Volume 622Mix 13.94% of portfolio

82/100

Exceptional

ArkansasState

Volume 434Mix 9.73% of portfolio

79/100

Strong

FloridaState

Volume 685Mix 15.35% of portfolio

73/100

Strong

TexasState

Volume 592Mix 13.27% of portfolio

72/100

Strong

AlabamaState

Volume 213Mix 4.77% of portfolio

72/100

Strong

GeorgiaState

Volume 303Mix 6.79% of portfolio

70/100

Strong

North CarolinaState

Volume 263Mix 5.89% of portfolio

66/100

Strong

MississippiState

Volume 114Mix 2.55% of portfolio

65/100

Strong

South CarolinaState

Volume 97Mix 2.17% of portfolio

61/100

Strong

Showing 10 of 12 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.