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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 Jumbo Mortgage Bank Lenders in Tennessee
Updated February 6, 2026
Market Overview
24
Total Lenders
89,791
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,405 | +0.145% | 803 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,279 | +0.081% | 449 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,896 | -0.081% | 405 | |
4 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,080 | +0.138% | 510 | |
5 | Old National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,189 | +0.075% | 466 | |
6 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $955 | +0.103% | 256 | |
7 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $143 | +0.108% | 209 | |
8 | FirstBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,165 | +0.231% | 1,926 | |
9 | Regions Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,655 | +0.392% | 1,429 | |
10 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,968 | +0.042% | 970 | |
11 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $2,823 | +0.185% | 516 | |
12 | First Citizens National Bank | Strong | Strong | — | Sound | Exceptional | $1,042 | -0.024% | 291 | |
13 | First Horizon Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,604 | +0.088% | 891 | |
14 | Legends Bank | Strong | Sound | — | Strong | Exceptional | $2,687 | +0.107% | 342 | |
15 | SmartBank | Strong | Sound | Strong | Strong | Strong | $1,241 | +0.194% | 245 | |
16 | Ameris Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,263 | +0.270% | 391 | |
17 | Home Federal Bank of Tennessee | Strong | Acceptable | Strong | Strong | Exceptional | $3,817 | -0.364% | 367 | |
18 | Cadence Bank | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,254 | +0.049% | 681 | |
19 | Pinnacle Bank | Strong | Mediocre | Strong | Strong | Exceptional | $2,351 | +0.075% | 1,277 | |
20 | WILSON BANK AND TRUST | Strong | Mediocre | Strong | Strong | Exceptional | $1,975 | +0.298% | 560 | |
21 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $2,566 | +0.301% | 349 | |
22 | Bank of Tennessee | Sound | Acceptable | Sound | Sound | Strong | $2,655 | +0.235% | 236 | |
23 | Citizens Tri-County Bank | Sound | Acceptable | — | Sound | Strong | $2,004 | +0.205% | 232 | |
24 | Simmons Bank | Sound | Mediocre | Strong | Sound | Strong | $1,688 | +0.539% | 297 |
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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