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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 FHA Mortgage Bank Lenders in Nashville
Updated February 5, 2026
Market Overview
25
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 | Strong | Sound | Exceptional | $1,130 | +0.034% | 345 | |
2 | ServisFirst Bank | Exceptional | Exceptional | Strong | Strong | Strong | $2,171 | +0.129% | 91 | |
3 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,470 | +0.050% | 648 | |
4 | First Horizon Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,095 | +0.015% | 346 | |
5 | The First National Bank of Middle Tennessee | Exceptional | Strong | Strong | Strong | Exceptional | $2,482 | +0.195% | 192 | |
6 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Strong | $2,618 | -0.049% | 175 | |
7 | Legends Bank | Exceptional | Strong | Strong | Exceptional | Strong | $2,576 | +0.266% | 97 | |
8 | FirstBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,182 | +0.139% | 932 | |
9 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,400 | +0.105% | 424 | |
10 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $692 | +0.027% | 168 | |
11 | Bank of Tennessee | Exceptional | Strong | Strong | Strong | Strong | $2,872 | +0.149% | 130 | |
12 | The Farmers Bank | Exceptional | Exceptional | Sound | Sound | Strong | $1,214 | -0.085% | 113 | |
13 | Regions Bank | Strong | Sound | Exceptional | Sound | Exceptional | $1,522 | +0.233% | 392 | |
14 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,209 | +0.254% | 320 | |
15 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $3,336 | +0.081% | 139 | |
16 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | -$903 | +0.038% | 123 | |
17 | United Community Bank | Strong | Sound | Strong | Strong | Strong | $2,427 | +0.376% | 81 | |
18 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $3,054 | +0.289% | 80 | |
19 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,917 | -0.078% | 168 | |
20 | Studio Bank | Strong | Sound | Sound | Sound | Strong | $2,104 | +0.205% | 111 | |
21 | The Federal Savings Bank | Strong | Acceptable | Exceptional | Sound | Strong | $6,105 | +0.979% | 96 | |
22 | CapStar Bank | Strong | Sound | Sound | Sound | Strong | $1,878 | +0.245% | 70 | |
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 | WILSON BANK AND TRUST | Sound | Mediocre | Sound | Strong | Exceptional | $2,041 | +0.299% | 475 |
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.
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