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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 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 | 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 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,893 | +0.189% | 1,333 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $868 | -0.543% | 845 | |
6 | ASCEND FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Exceptional | $577 | -0.678% | 457 | |
7 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,080 | +0.138% | 510 | |
8 | Old National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,189 | +0.075% | 466 | |
9 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $955 | +0.103% | 256 | |
10 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $143 | +0.108% | 209 | |
11 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,302 | +0.298% | 7,212 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,239 | +0.043% | 5,664 | |
13 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,492 | +0.344% | 3,095 | |
14 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,986 | +0.291% | 2,263 | |
15 | FirstBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,165 | +0.231% | 1,926 | |
16 | Regions Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,655 | +0.392% | 1,429 | |
17 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,631 | -0.067% | 1,245 | |
18 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,203 | +0.237% | 646 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,697 | +0.045% | 1,377 | |
20 | Legacy Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $1,996 | +0.144% | 1,242 | |
21 | EASTMAN CREDIT UNION | Strong | Sound | Strong | Strong | Exceptional | $1,644 | +0.477% | 1,026 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,968 | +0.042% | 970 | |
23 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $2,823 | +0.185% | 516 | |
24 | First Citizens National Bank | Strong | Strong | — | Sound | Exceptional | $1,042 | -0.024% | 291 | |
25 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Strong | Sound | Exceptional | $2,627 | +0.221% | 3,320 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,843 | +0.393% | 1,245 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,468 | +0.584% | 1,205 | |
28 | First Horizon Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,604 | +0.088% | 891 | |
29 | Leaders Credit Union | Strong | Sound | — | Strong | Exceptional | $1,074 | +0.308% | 727 | |
30 | Legends Bank | Strong | Sound | — | Strong | Exceptional | $2,687 | +0.107% | 342 | |
31 | SmartBank | Strong | Sound | Strong | Strong | Strong | $1,241 | +0.194% | 245 | |
32 | Ameris Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,263 | +0.270% | 391 | |
33 | Home Federal Bank of Tennessee | Strong | Acceptable | Strong | Strong | Exceptional | $3,817 | -0.364% | 367 | |
34 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,358 | +0.279% | 261 | |
35 | Cadence Bank | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,254 | +0.049% | 681 | |
36 | CHURCHILL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $3,293 | +0.392% | 652 | |
37 | Primis Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,470 | +0.345% | 649 | |
38 | Liberty | Strong | Acceptable | Strong | Strong | Strong | $1,881 | +0.526% | 286 | |
39 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,431 | +0.321% | 2,186 | |
40 | Pinnacle Bank | Strong | Mediocre | Strong | Strong | Exceptional | $2,351 | +0.075% | 1,277 | |
41 | WILSON BANK AND TRUST | Strong | Mediocre | Strong | Strong | Exceptional | $1,975 | +0.298% | 560 | |
42 | Farm Credit Mid-America, ACA | Strong | Mediocre | Exceptional | Sound | Exceptional | $6,109 | +0.568% | 553 | |
43 | ORNL | Strong | Mediocre | Strong | Strong | Exceptional | $4,154 | -0.048% | 527 | |
44 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Strong | Sound | Strong | $3,730 | +0.408% | 399 | |
45 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | Strong | $4,763 | +0.425% | 600 | |
46 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $2,566 | +0.301% | 349 | |
47 | Bank of Tennessee | Sound | Acceptable | Sound | Sound | Strong | $2,655 | +0.235% | 236 | |
48 | Citizens Tri-County Bank | Sound | Acceptable | — | Sound | Strong | $2,004 | +0.205% | 232 | |
49 | Simmons Bank | Sound | Mediocre | Strong | Sound | Strong | $1,688 | +0.539% | 297 | |
50 | STOCKTON MORTGAGE CORPORATION | Sound | Acceptable | Sound | Mediocre | Strong | $3,754 | +0.372% | 635 |
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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