# Best FHA Mortgage Lenders in Tennessee

**As of:** 2026-05-20

Compare the top FHA mortgage lenders in Tennessee. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/tennessee/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 361
- **Total Loans:** 89,791
- **Median Rate Spread:** 0.3054741379310345%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Cadence Bank | 89 | 71 | 69 | 681 | Bank |
| 2 | Patriot Bank | 89 | 88 | 80 | 400 | Bank |
| 3 | Legends Bank | 89 | 66 | 80 | 342 | Bank |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 5,664 | Independent Mortgage Company |
| 5 | SWBC MORTGAGE CORPORATION | 88 | 42 | 83 | 646 | Independent Mortgage Company |
| 6 | Pinnacle Bank | 85 | 77 | 63 | 1,277 | Bank |
| 7 | Legacy Home Loans, LLC | 85 | 64 | 75 | 1,242 | Independent Mortgage Company |
| 8 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 945 | Independent Mortgage Company |
| 9 | First Horizon Bank | 85 | 60 | 63 | 891 | Bank |
| 10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 61 | 79 | 559 | Independent Mortgage Company |
| 11 | The First National Bank of Middle Tennessee | 85 | 67 | 73 | 371 | Bank |
| 12 | Liberty | 85 | 75 | 77 | 286 | Credit Union |
| 13 | INTERLINC MORTGAGE SERVICES, LLC | 85 | 64 | 79 | 197 | Independent Mortgage Company |
| 14 | MORTGAGE INVESTORS GROUP, INC. | 83 | 57 | 78 | 3,320 | Independent Mortgage Company |
| 15 | FirstBank | 83 | 56 | 78 | 1,926 | Bank |
| 16 | LOANDEPOT.COM, LLC | 83 | 59 | 68 | 1,377 | Independent Mortgage Company |
| 17 | PENNYMAC LOAN SERVICES, LLC | 83 | 78 | 59 | 1,245 | Independent Mortgage Company |
| 18 | COMMUNITY MORTGAGE CORPORATION | 83 | 51 | 87 | 891 | Independent Mortgage Company |
| 19 | VANDERBILT MORTGAGE AND FINANCE, INC. | 83 | 59 | 83 | 579 | Independent Mortgage Company |
| 20 | Simmons Bank | 80 | 70 | 67 | 297 | Bank |
| 21 | Bank of Tennessee | 80 | 75 | 62 | 236 | Bank |
| 22 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 7,212 | Independent Mortgage Company |
| 23 | FIRST COMMUNITY MORTGAGE, INC. | 80 | 33 | 84 | 2,186 | Independent Mortgage Company |
| 24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 1,245 | Independent Mortgage Company |
| 25 | U.S. Bank National Association | 79 | 65 | 60 | 803 | Bank |
| 26 | Leaders Credit Union | 79 | 58 | 69 | 727 | Credit Union |
| 27 | Primis Mortgage Company | 79 | 40 | 74 | 649 | Independent Mortgage Company |
| 28 | Renasant Bank | 79 | 51 | 79 | 516 | Bank |
| 29 | Old National Bank | 79 | 91 | 60 | 466 | Bank |
| 30 | Ameris Bank | 79 | 50 | 78 | 391 | Bank |
| 31 | Flagstar Bank, N.A. | 79 | 58 | 71 | 349 | Bank |
| 32 | THE LOAN STORE, INC. | 79 | 49 | 72 | 261 | Independent Mortgage Company |
| 33 | Fifth Third Bank, National Association | 79 | 72 | 58 | 256 | Bank |
| 34 | INSPIRE HOME LOANS INC. | 79 | 53 | 75 | 226 | Independent Mortgage Company |
| 35 | GoodLeap, LLC | 79 | 62 | 58 | 215 | Independent Mortgage Company |
| 36 | FIRST COLONY MORTGAGE CORPORATION | 79 | 56 | 80 | 195 | Independent Mortgage Company |
| 37 | Regions Bank | 77 | 60 | 59 | 1,429 | Bank |
| 38 | First Citizens National Bank | 77 | 89 | 52 | 291 | Bank |
| 39 | CMG MORTGAGE, INC. | 75 | 32 | 79 | 3,095 | Independent Mortgage Company |
| 40 | MOVEMENT MORTGAGE, LLC | 75 | 30 | 79 | 2,263 | Independent Mortgage Company |
| 41 | GUARANTEED RATE, INC. | 75 | 38 | 68 | 1,333 | Independent Mortgage Company |
| 42 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 855 | Independent Mortgage Company |
| 43 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 82 | 195 | Independent Mortgage Company |
| 44 | Truist Bank | 74 | 75 | 53 | 510 | Bank |
| 45 | United Community Bank | 74 | 51 | 64 | 264 | Bank |
| 46 | Citizens Bank, National Association | 74 | 74 | 54 | 209 | Bank |
| 47 | NEWREZ LLC | 73 | 52 | 56 | 624 | Independent Mortgage Company |
| 48 | SmartBank | 73 | 87 | 46 | 245 | Bank |
| 49 | STOCKTON MORTGAGE CORPORATION | 71 | 28 | 67 | 635 | Independent Mortgage Company |
| 50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 38 | 79 | 418 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Tennessee.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.