🛡️
Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Bank Lenders in Nashville
Updated February 5, 2026
Market Overview
31
Total Lenders
31,402
Total Loans
0.26%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,130 | +0.034% | 345 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,400 | +0.105% | 424 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,460 | -0.176% | 212 | |
4 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $746 | +0.022% | 154 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $430 | -0.434% | 79 | |
6 | FirstBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,182 | +0.139% | 932 | |
7 | First Horizon Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,095 | +0.015% | 346 | |
8 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,917 | -0.078% | 168 | |
9 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $692 | +0.027% | 168 | |
10 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | -$903 | +0.038% | 123 | |
11 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $701 | -0.272% | 68 | |
12 | Pinnacle Bank | Strong | Sound | Strong | Strong | Exceptional | $2,470 | +0.050% | 648 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,811 | +0.017% | 482 | |
14 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,209 | +0.254% | 320 | |
15 | Cadence Bank | Strong | Sound | Exceptional | Strong | Strong | $2,618 | -0.049% | 175 | |
16 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,522 | +0.233% | 392 | |
17 | The Farmers Bank | Strong | Exceptional | Acceptable | Acceptable | Strong | $1,214 | -0.085% | 113 | |
18 | ServisFirst Bank | Strong | Sound | Strong | Strong | Strong | $2,171 | +0.129% | 91 | |
19 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,336 | +0.081% | 139 | |
20 | United Community Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,427 | +0.376% | 81 | |
21 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $2,268 | -0.199% | 92 | |
22 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $3,054 | +0.289% | 80 | |
23 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Sound | $3,531 | +0.283% | 65 | |
24 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $4,296 | +0.641% | 197 | |
25 | The First National Bank of Middle Tennessee | Strong | Acceptable | Sound | Sound | Exceptional | $2,482 | +0.195% | 192 | |
26 | Legends Bank | Strong | Acceptable | Sound | Strong | Strong | $2,576 | +0.266% | 97 | |
27 | WILSON BANK AND TRUST | Sound | Mediocre | Strong | Sound | Exceptional | $2,041 | +0.299% | 475 | |
28 | Bank of Tennessee | Sound | Acceptable | Sound | Sound | Strong | $2,872 | +0.149% | 130 | |
29 | Studio Bank | Sound | Sound | Acceptable | Acceptable | Strong | $2,104 | +0.205% | 111 | |
30 | CapStar Bank | Sound | Sound | Acceptable | Acceptable | Strong | $1,878 | +0.245% | 70 | |
31 | The Federal Savings Bank | Sound | Mediocre | Strong | Sound | Strong | $6,105 | +0.979% | 96 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
NashvilleConventional
No credit impact
3-minute process
100% free