# Best Mortgage Lenders in Tennessee

**As of:** 2026-05-20

Compare the top mortgage lenders in Tennessee. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/tennessee/best-mortgage-lenders


> **📋 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


## Market Statistics

- **Total Lenders:** 361
- **Total Loans:** 89,791
- **Median Rate Spread:** 0.3054741379310345%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Patriot Bank | 93 | 87 | 78 | 400 | Bank |
| 2 | Pinnacle Bank | 86 | 60 | 72 | 1,277 | Bank |
| 3 | Old National Bank | 86 | 84 | 70 | 466 | Bank |
| 4 | Liberty | 86 | 62 | 82 | 286 | Credit Union |
| 5 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 5,664 | Independent Mortgage Company |
| 6 | MORTGAGE INVESTORS GROUP, INC. | 84 | 43 | 80 | 3,320 | Independent Mortgage Company |
| 7 | FirstBank | 84 | 50 | 80 | 1,926 | Bank |
| 8 | COMMUNITY MORTGAGE CORPORATION | 84 | 41 | 87 | 891 | Independent Mortgage Company |
| 9 | ASCEND FEDERAL CREDIT UNION | 84 | 91 | 55 | 457 | Credit Union |
| 10 | U.S. Bank National Association | 80 | 75 | 71 | 803 | Bank |
| 11 | Truist Bank | 80 | 70 | 68 | 510 | Bank |
| 12 | Bank of America, National Association | 80 | 73 | 75 | 405 | Bank |
| 13 | Fifth Third Bank, National Association | 80 | 62 | 62 | 256 | Bank |
| 14 | Citizens Bank, National Association | 80 | 69 | 62 | 209 | Bank |
| 15 | Regions Bank | 78 | 41 | 64 | 1,429 | Bank |
| 16 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 1,377 | Independent Mortgage Company |
| 17 | GUARANTEED RATE, INC. | 78 | 41 | 69 | 1,333 | Independent Mortgage Company |
| 18 | PENNYMAC LOAN SERVICES, LLC | 78 | 56 | 63 | 1,245 | Independent Mortgage Company |
| 19 | Legacy Home Loans, LLC | 78 | 56 | 76 | 1,242 | Independent Mortgage Company |
| 20 | First Horizon Bank | 78 | 49 | 68 | 891 | Bank |
| 21 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 845 | Credit Union |
| 22 | Leaders Credit Union | 78 | 56 | 74 | 727 | Credit Union |
| 23 | Cadence Bank | 78 | 47 | 73 | 681 | Bank |
| 24 | VANDERBILT MORTGAGE AND FINANCE, INC. | 78 | 51 | 82 | 579 | Independent Mortgage Company |
| 25 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 559 | Independent Mortgage Company |
| 26 | Ameris Bank | 78 | 42 | 82 | 391 | Bank |
| 27 | The First National Bank of Middle Tennessee | 78 | 46 | 69 | 371 | Bank |
| 28 | Legends Bank | 78 | 44 | 79 | 342 | Bank |
| 29 | First Citizens National Bank | 78 | 70 | 53 | 291 | Bank |
| 30 | FIRST COLONY MORTGAGE CORPORATION | 78 | 42 | 84 | 195 | Independent Mortgage Company |
| 31 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 7,212 | Independent Mortgage Company |
| 32 | CMG MORTGAGE, INC. | 74 | 33 | 81 | 3,095 | Independent Mortgage Company |
| 33 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 2,263 | Independent Mortgage Company |
| 34 | FIRST COMMUNITY MORTGAGE, INC. | 74 | 31 | 89 | 2,186 | Independent Mortgage Company |
| 35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 1,245 | Independent Mortgage Company |
| 36 | SWBC MORTGAGE CORPORATION | 74 | 34 | 86 | 646 | Independent Mortgage Company |
| 37 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 970 | Bank |
| 38 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 945 | Independent Mortgage Company |
| 39 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 449 | Bank |
| 40 | Simmons Bank | 73 | 44 | 61 | 297 | Bank |
| 41 | INSPIRE HOME LOANS INC. | 73 | 43 | 75 | 226 | Independent Mortgage Company |
| 42 | Mortgage Research Center, LLC | 68 | 34 | 70 | 2,392 | Independent Mortgage Company |
| 43 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 1,205 | Independent Mortgage Company |
| 44 | EASTMAN CREDIT UNION | 68 | 40 | 72 | 1,026 | Credit Union |
| 45 | Primis Mortgage Company | 68 | 32 | 66 | 649 | Independent Mortgage Company |
| 46 | Home Federal Bank of Tennessee | 68 | 38 | 70 | 367 | Bank |
| 47 | TENNESSEE VALLEY FCU | 68 | 24 | 63 | 331 | Credit Union |
| 48 | KNOXVILLE TVA EMPLOYEES CREDIT UNION | 68 | 39 | 63 | 295 | Credit Union |
| 49 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 855 | Independent Mortgage Company |
| 50 | Renasant Bank | 68 | 38 | 81 | 516 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Tennessee.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.