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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 Mortgage Lenders in Tennessee
Updated February 6, 2026
Market Overview
361
Total Lenders
89,791
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Patriot Bank | Exceptional | Exceptional | Strong | Exceptional | $1,307 | -0.022% | 400 | |
2 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $1,189 | +0.075% | 466 | |
3 | ASCEND FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $577 | -0.678% | 457 | |
4 | Pinnacle Bank | Exceptional | Strong | Strong | Exceptional | $2,351 | +0.075% | 1,277 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $868 | -0.543% | 845 | |
6 | Liberty | Exceptional | Strong | Exceptional | Strong | $1,881 | +0.526% | 286 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,239 | +0.043% | 5,664 | |
8 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Exceptional | $2,627 | +0.221% | 3,320 | |
9 | FirstBank | Strong | Sound | Exceptional | Exceptional | $2,165 | +0.231% | 1,926 | |
10 | COMMUNITY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $2,874 | +0.231% | 891 | |
11 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,405 | +0.145% | 803 | |
12 | Truist Bank | Strong | Strong | Strong | Strong | $1,080 | +0.138% | 510 | |
13 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,896 | -0.081% | 405 | |
14 | First Citizens National Bank | Strong | Strong | Sound | Exceptional | $1,042 | -0.024% | 291 | |
15 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $955 | +0.103% | 256 | |
16 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $143 | +0.108% | 209 | |
17 | Regions Bank | Strong | Sound | Strong | Exceptional | $1,655 | +0.392% | 1,429 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,697 | +0.045% | 1,377 | |
19 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,893 | +0.189% | 1,333 | |
20 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $2,631 | -0.067% | 1,245 | |
21 | Legacy Home Loans, LLC | Strong | Sound | Strong | Exceptional | $1,996 | +0.144% | 1,242 | |
22 | First Horizon Bank | Strong | Sound | Strong | Exceptional | $1,604 | +0.088% | 891 | |
23 | Leaders Credit Union | Strong | Sound | Strong | Exceptional | $1,074 | +0.308% | 727 | |
24 | Cadence Bank | Strong | Sound | Strong | Exceptional | $2,254 | +0.049% | 681 | |
25 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $2,838 | +0.092% | 579 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,259 | +0.321% | 559 | |
27 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,279 | +0.081% | 449 | |
28 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,263 | +0.270% | 391 | |
29 | The First National Bank of Middle Tennessee | Strong | Sound | Strong | Exceptional | $2,553 | +0.193% | 371 | |
30 | Legends Bank | Strong | Sound | Strong | Exceptional | $2,687 | +0.107% | 342 | |
31 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $2,864 | +0.278% | 195 | |
32 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,302 | +0.298% | 7,212 | |
33 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,492 | +0.344% | 3,095 | |
34 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,986 | +0.291% | 2,263 | |
35 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,431 | +0.321% | 2,186 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,843 | +0.393% | 1,245 | |
37 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,968 | +0.042% | 970 | |
38 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,314 | +0.322% | 945 | |
39 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,203 | +0.237% | 646 | |
40 | Simmons Bank | Strong | Sound | Strong | Strong | $1,688 | +0.539% | 297 | |
41 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $3,981 | +0.414% | 226 | |
42 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,961 | +0.546% | 2,392 | |
43 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,468 | +0.584% | 1,205 | |
44 | EASTMAN CREDIT UNION | Strong | Acceptable | Strong | Exceptional | $1,644 | +0.477% | 1,026 | |
45 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,707 | +0.384% | 855 | |
46 | Primis Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,470 | +0.345% | 649 | |
47 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $2,823 | +0.185% | 516 | |
48 | Home Federal Bank of Tennessee | Strong | Acceptable | Strong | Exceptional | $3,817 | -0.364% | 367 | |
49 | TENNESSEE VALLEY FCU | Strong | Acceptable | Strong | Exceptional | $3,392 | +0.209% | 331 | |
50 | KNOXVILLE TVA EMPLOYEES CREDIT UNION | Strong | Acceptable | Strong | Exceptional | $3,084 | +0.189% | 295 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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