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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 FHA 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 | Patriot Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,307 | -0.022% | 400 | |
2 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,254 | +0.049% | 681 | |
3 | Legends Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,687 | +0.107% | 342 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,239 | +0.043% | 5,664 | |
5 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,351 | +0.075% | 1,277 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,631 | -0.067% | 1,245 | |
7 | Legacy Home Loans, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $1,996 | +0.144% | 1,242 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,314 | +0.322% | 945 | |
9 | First Horizon Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,604 | +0.088% | 891 | |
10 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,203 | +0.237% | 646 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,259 | +0.321% | 559 | |
12 | Old National Bank | Exceptional | Exceptional | Strong | Sound | Strong | $1,189 | +0.075% | 466 | |
13 | The First National Bank of Middle Tennessee | Exceptional | Strong | Strong | Strong | Exceptional | $2,553 | +0.193% | 371 | |
14 | First Citizens National Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,042 | -0.024% | 291 | |
15 | Liberty | Exceptional | Strong | Exceptional | Strong | Strong | $1,881 | +0.526% | 286 | |
16 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,842 | +0.275% | 197 | |
17 | MORTGAGE INVESTORS GROUP, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,627 | +0.221% | 3,320 | |
18 | FirstBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,165 | +0.231% | 1,926 | |
19 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,697 | +0.045% | 1,377 | |
20 | COMMUNITY MORTGAGE CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,874 | +0.231% | 891 | |
21 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,405 | +0.145% | 803 | |
22 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,838 | +0.092% | 579 | |
23 | Simmons Bank | Exceptional | Strong | Strong | Strong | Strong | $1,688 | +0.539% | 297 | |
24 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $955 | +0.103% | 256 | |
25 | SmartBank | Exceptional | Exceptional | Sound | Sound | Strong | $1,241 | +0.194% | 245 | |
26 | Bank of Tennessee | Exceptional | Strong | Strong | Strong | Strong | $2,655 | +0.235% | 236 | |
27 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $3,829 | +0.195% | 215 | |
28 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,302 | +0.298% | 7,212 | |
29 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,431 | +0.321% | 2,186 | |
30 | Regions Bank | Strong | Sound | Exceptional | Sound | Exceptional | $1,655 | +0.392% | 1,429 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,843 | +0.393% | 1,245 | |
32 | Leaders Credit Union | Strong | Sound | Strong | Strong | Exceptional | $1,074 | +0.308% | 727 | |
33 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,470 | +0.345% | 649 | |
34 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $2,823 | +0.185% | 516 | |
35 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $1,080 | +0.138% | 510 | |
36 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,263 | +0.270% | 391 | |
37 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,566 | +0.301% | 349 | |
38 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,358 | +0.279% | 261 | |
39 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $3,981 | +0.414% | 226 | |
40 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $143 | +0.108% | 209 | |
41 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $2,864 | +0.278% | 195 | |
42 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,492 | +0.344% | 3,095 | |
43 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,986 | +0.291% | 2,263 | |
44 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,893 | +0.189% | 1,333 | |
45 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,707 | +0.384% | 855 | |
46 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,587 | +0.304% | 624 | |
47 | United Community Bank | Strong | Sound | Strong | Strong | Strong | $2,082 | +0.398% | 264 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,879 | +0.329% | 195 | |
49 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,754 | +0.372% | 635 | |
50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,481 | +0.492% | 418 |
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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