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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 Bank Mortgage Lenders in Tennessee
Updated February 6, 2026
Market Overview
31
Total Lenders
20,811
Total Loans
0.21%
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 | Pinnacle Bank | Exceptional | Strong | Strong | Exceptional | $2,351 | +0.075% | 1,277 | |
4 | FirstBank | Strong | Sound | Exceptional | Exceptional | $2,165 | +0.231% | 1,926 | |
5 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,405 | +0.145% | 803 | |
6 | Truist Bank | Strong | Strong | Strong | Strong | $1,080 | +0.138% | 510 | |
7 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,896 | -0.081% | 405 | |
8 | First Citizens National Bank | Strong | Strong | Sound | Exceptional | $1,042 | -0.024% | 291 | |
9 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $955 | +0.103% | 256 | |
10 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $143 | +0.108% | 209 | |
11 | Regions Bank | Strong | Sound | Strong | Exceptional | $1,655 | +0.392% | 1,429 | |
12 | First Horizon Bank | Strong | Sound | Strong | Exceptional | $1,604 | +0.088% | 891 | |
13 | Cadence Bank | Strong | Sound | Strong | Exceptional | $2,254 | +0.049% | 681 | |
14 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,279 | +0.081% | 449 | |
15 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,263 | +0.270% | 391 | |
16 | The First National Bank of Middle Tennessee | Strong | Sound | Strong | Exceptional | $2,553 | +0.193% | 371 | |
17 | Legends Bank | Strong | Sound | Strong | Exceptional | $2,687 | +0.107% | 342 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,968 | +0.042% | 970 | |
19 | Simmons Bank | Strong | Sound | Strong | Strong | $1,688 | +0.539% | 297 | |
20 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $2,823 | +0.185% | 516 | |
21 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,928 | -0.171% | 381 | |
22 | Home Federal Bank of Tennessee | Strong | Acceptable | Strong | Exceptional | $3,817 | -0.364% | 367 | |
23 | SmartBank | Strong | Sound | Sound | Strong | $1,241 | +0.194% | 245 | |
24 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,566 | +0.301% | 349 | |
25 | WILSON BANK AND TRUST | Sound | Mediocre | Strong | Exceptional | $1,975 | +0.298% | 560 | |
26 | United Community Bank | Sound | Acceptable | Sound | Strong | $2,082 | +0.398% | 264 | |
27 | Bank of Tennessee | Sound | Acceptable | Sound | Strong | $2,655 | +0.235% | 236 | |
28 | Citizens Tri-County Bank | Sound | Acceptable | Sound | Strong | $2,004 | +0.205% | 232 | |
29 | Ixonia Bank | Sound | Mediocre | Strong | Strong | $4,167 | +0.640% | 269 | |
30 | The Federal Savings Bank | Sound | Mediocre | Sound | Strong | $4,846 | +0.792% | 213 | |
31 | One Bank of Tennessee | Sound | Mediocre | Sound | Strong | $1,029 | +1.132% | 195 |
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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