# Best Mortgage Lenders for USDA Loans in Tennessee - 2026


> **📋 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


> Compare the top USDA mortgage lenders in Tennessee across the 4 P's of mortgage shopping: Pricing, Pullthrough, Products, and Place.

## Market Overview

- **Location:** Tennessee
- **Ranking Type:** Best Mortgage Lenders
- **Loan Product:** USDA
- **Total Lenders in Market:** 361
- **Total Loan Volume:** 89,791
- **Last Updated:** 2026-02-06

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [Patriot Bank](https://saferate.com/lenders/patriot-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Exceptional 🤩 |
| 2 | [Cadence Bank](https://saferate.com/lenders/cadence-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 3 | [Simmons Bank](https://saferate.com/lenders/simmons-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 4 | [First Citizens National Bank](https://saferate.com/lenders/first-citizens-national-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 5 | [United Community Bank](https://saferate.com/lenders/united-community-bank-sc) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 6 | [Renasant Bank](https://saferate.com/lenders/renasant-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 7 | [The First National Bank of Middle Tennessee](https://saferate.com/lenders/the-first-national-bank-of-middle-tennessee) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 8 | [FirstBank](https://saferate.com/lenders/firstbank-tn) | Bank | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 9 | [Flagstar Bank, N.A.](https://saferate.com/lenders/flagstar-bank) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 10 | [Regions Bank](https://saferate.com/lenders/regions-bank) | Bank | Strong 😀 | Acceptable 🙂 | Sound ☺️ |
| 11 | [Legends Bank](https://saferate.com/lenders/legends-bank) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 12 | [SmartBank](https://saferate.com/lenders/smartbank) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 13 | [WILSON BANK AND TRUST](https://saferate.com/lenders/wilson-bank-and-trust) | Bank | Sound ☺️ | Mediocre 😐 | Strong 😀 |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-06*

[View interactive rankings on Safe Rate](https://saferate.com/tennessee/best-mortgage-lenders/banks/usda-loans)