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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 Mortgage Company Lenders in Tennessee
Updated February 6, 2026
Market Overview
50
Total Lenders
62,944
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,239 | +0.043% | 5,664 | |
2 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Exceptional | $2,627 | +0.221% | 3,320 | |
3 | COMMUNITY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $2,874 | +0.231% | 891 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,697 | +0.045% | 1,377 | |
5 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,893 | +0.189% | 1,333 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $2,631 | -0.067% | 1,245 | |
7 | Legacy Home Loans, LLC | Strong | Sound | Strong | Exceptional | $1,996 | +0.144% | 1,242 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $2,838 | +0.092% | 579 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,259 | +0.321% | 559 | |
10 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $2,864 | +0.278% | 195 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,302 | +0.298% | 7,212 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,492 | +0.344% | 3,095 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,986 | +0.291% | 2,263 | |
14 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,431 | +0.321% | 2,186 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,843 | +0.393% | 1,245 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,314 | +0.322% | 945 | |
17 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,203 | +0.237% | 646 | |
18 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $3,981 | +0.414% | 226 | |
19 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,961 | +0.546% | 2,392 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,468 | +0.584% | 1,205 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,707 | +0.384% | 855 | |
22 | Primis Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,470 | +0.345% | 649 | |
23 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $4,481 | +0.492% | 418 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,344 | +0.400% | 416 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,612 | +0.434% | 308 | |
26 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $3,829 | +0.195% | 215 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,879 | +0.329% | 195 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,711 | +0.230% | 667 | |
29 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,754 | +0.372% | 635 | |
30 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $4,027 | +0.739% | 334 | |
31 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,097 | +0.583% | 330 | |
32 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $3,330 | +0.504% | 290 | |
33 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,358 | +0.279% | 261 | |
34 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $4,698 | +0.465% | 212 | |
35 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | $2,842 | +0.275% | 197 | |
36 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $4,272 | +0.342% | 194 | |
37 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,642 | +0.471% | 186 | |
38 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,705 | +0.505% | 916 | |
39 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Exceptional | $3,293 | +0.392% | 652 | |
40 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,587 | +0.304% | 624 | |
41 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $4,763 | +0.425% | 600 | |
42 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,273 | +0.247% | 327 | |
43 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | $5,460 | +0.760% | 257 | |
44 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $4,416 | +0.685% | 257 | |
45 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $2,752 | +0.566% | 193 | |
46 | Farm Credit Mid-America, ACA | Sound | Mediocre | Sound | Exceptional | $6,109 | +0.568% | 553 | |
47 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Sound | Mediocre | Strong | Strong | $3,730 | +0.408% | 399 | |
48 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | $3,136 | +0.415% | 253 | |
49 | ISERVE RESIDENTIAL LENDING, LLC | Sound | Mediocre | Strong | Strong | $3,898 | +0.321% | 199 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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