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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,189 | +0.075% | 466 | |
2 | Patriot Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,307 | -0.022% | 400 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $868 | -0.543% | 845 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,405 | +0.145% | 803 | |
5 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,080 | +0.138% | 510 | |
6 | ASCEND FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Sound | Exceptional | $577 | -0.678% | 457 | |
7 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,896 | -0.081% | 405 | |
8 | First Citizens National Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,042 | -0.024% | 291 | |
9 | Liberty | Exceptional | Strong | Exceptional | Strong | Strong | $1,881 | +0.526% | 286 | |
10 | FirstBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,165 | +0.231% | 1,926 | |
11 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,697 | +0.045% | 1,377 | |
12 | EASTMAN CREDIT UNION | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,644 | +0.477% | 1,026 | |
13 | COMMUNITY MORTGAGE CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,874 | +0.231% | 891 | |
14 | First Horizon Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,604 | +0.088% | 891 | |
15 | Cadence Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,254 | +0.049% | 681 | |
16 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,279 | +0.081% | 449 | |
17 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $955 | +0.103% | 256 | |
18 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $143 | +0.108% | 209 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,302 | +0.298% | 7,212 | |
20 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,239 | +0.043% | 5,664 | |
21 | Pinnacle Bank | Strong | Sound | Strong | Strong | Exceptional | $2,351 | +0.075% | 1,277 | |
22 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,631 | -0.067% | 1,245 | |
23 | Legacy Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $1,996 | +0.144% | 1,242 | |
24 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,968 | +0.042% | 970 | |
25 | Leaders Credit Union | Strong | Sound | Strong | Strong | Exceptional | $1,074 | +0.308% | 727 | |
26 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,838 | +0.092% | 579 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,259 | +0.321% | 559 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,344 | +0.400% | 416 | |
29 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,263 | +0.270% | 391 | |
30 | MORTGAGE INVESTORS GROUP, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,627 | +0.221% | 3,320 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,492 | +0.344% | 3,095 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,986 | +0.291% | 2,263 | |
33 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,431 | +0.321% | 2,186 | |
34 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,655 | +0.392% | 1,429 | |
35 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,893 | +0.189% | 1,333 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,843 | +0.393% | 1,245 | |
37 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,468 | +0.584% | 1,205 | |
38 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,203 | +0.237% | 646 | |
39 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,707 | +0.384% | 855 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,711 | +0.230% | 667 | |
41 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,754 | +0.372% | 635 | |
42 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,823 | +0.185% | 516 | |
43 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,481 | +0.492% | 418 | |
44 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $3,730 | +0.408% | 399 | |
45 | Home Federal Bank of Tennessee | Strong | Acceptable | Strong | Strong | Exceptional | $3,817 | -0.364% | 367 | |
46 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,566 | +0.301% | 349 | |
47 | TENNESSEE VALLEY FCU | Strong | Acceptable | Strong | Strong | Exceptional | $3,392 | +0.209% | 331 | |
48 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,097 | +0.583% | 330 | |
49 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,612 | +0.434% | 308 | |
50 | KNOXVILLE TVA EMPLOYEES CREDIT UNION | Strong | Acceptable | Strong | 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 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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