🛡️
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 VA Mortgage Bank Lenders in Tennessee
Updated February 6, 2026
Market Overview
28
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 | First Horizon Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,604 | +0.088% | 891 | |
2 | FirstBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,165 | +0.231% | 1,926 | |
3 | Old National Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,189 | +0.075% | 466 | |
4 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,263 | +0.270% | 391 | |
5 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | $955 | +0.103% | 256 | |
6 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,351 | +0.075% | 1,277 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,405 | +0.145% | 803 | |
8 | Patriot Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,307 | -0.022% | 400 | |
9 | The First National Bank of Middle Tennessee | Exceptional | Strong | Strong | Strong | Exceptional | $2,553 | +0.193% | 371 | |
10 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,968 | +0.042% | 970 | |
11 | Renasant Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,823 | +0.185% | 516 | |
12 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,928 | -0.171% | 381 | |
13 | United Community Bank | Exceptional | Strong | Strong | Strong | Strong | $2,082 | +0.398% | 264 | |
14 | Cadence Bank | Strong | Sound | Strong | Strong | Exceptional | $2,254 | +0.049% | 681 | |
15 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $1,080 | +0.138% | 510 | |
16 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,566 | +0.301% | 349 | |
17 | Legends Bank | Strong | Sound | Strong | Strong | Exceptional | $2,687 | +0.107% | 342 | |
18 | First Citizens National Bank | Strong | Strong | Sound | Sound | Exceptional | $1,042 | -0.024% | 291 | |
19 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $143 | +0.108% | 209 | |
20 | Regions Bank | Strong | Sound | Strong | Sound | Exceptional | $1,655 | +0.392% | 1,429 | |
21 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $2,279 | +0.081% | 449 | |
22 | Simmons Bank | Strong | Sound | Strong | Sound | Strong | $1,688 | +0.539% | 297 | |
23 | SmartBank | Strong | Sound | — | Sound | Strong | $1,241 | +0.194% | 245 | |
24 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $4,167 | +0.640% | 269 | |
25 | WILSON BANK AND TRUST | Sound | Mediocre | — | Strong | Exceptional | $1,975 | +0.298% | 560 | |
26 | Bank of Tennessee | Sound | Acceptable | — | Sound | Strong | $2,655 | +0.235% | 236 | |
27 | Citizens Tri-County Bank | Sound | Acceptable | — | Sound | Strong | $2,004 | +0.205% | 232 | |
28 | The Federal Savings Bank | Sound | Mediocre | Exceptional | Sound | Strong | $4,846 | +0.792% | 213 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
TennesseeVA
No credit impact
3-minute process
100% free