# Best Mortgage Companie Lenders in Tennessee

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

Compare the top mortgage companies offering mortgages in Tennessee. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 5,664 | Independent Mortgage Company |
| 2 | MORTGAGE INVESTORS GROUP, INC. | 84 | 43 | 80 | 3,320 | Independent Mortgage Company |
| 3 | COMMUNITY MORTGAGE CORPORATION | 84 | 41 | 87 | 891 | Independent Mortgage Company |
| 4 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 1,377 | Independent Mortgage Company |
| 5 | GUARANTEED RATE, INC. | 78 | 41 | 69 | 1,333 | Independent Mortgage Company |
| 6 | PENNYMAC LOAN SERVICES, LLC | 78 | 56 | 63 | 1,245 | Independent Mortgage Company |
| 7 | Legacy Home Loans, LLC | 78 | 56 | 76 | 1,242 | Independent Mortgage Company |
| 8 | VANDERBILT MORTGAGE AND FINANCE, INC. | 78 | 51 | 82 | 579 | Independent Mortgage Company |
| 9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 559 | Independent Mortgage Company |
| 10 | FIRST COLONY MORTGAGE CORPORATION | 78 | 42 | 84 | 195 | Independent Mortgage Company |
| 11 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 7,212 | Independent Mortgage Company |
| 12 | CMG MORTGAGE, INC. | 74 | 33 | 81 | 3,095 | Independent Mortgage Company |
| 13 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 2,263 | Independent Mortgage Company |
| 14 | FIRST COMMUNITY MORTGAGE, INC. | 74 | 31 | 89 | 2,186 | Independent Mortgage Company |
| 15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 1,245 | Independent Mortgage Company |
| 16 | SWBC MORTGAGE CORPORATION | 74 | 34 | 86 | 646 | Independent Mortgage Company |
| 17 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 945 | Independent Mortgage Company |
| 18 | INSPIRE HOME LOANS INC. | 73 | 43 | 75 | 226 | Independent Mortgage Company |
| 19 | Mortgage Research Center, LLC | 68 | 34 | 70 | 2,392 | Independent Mortgage Company |
| 20 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 1,205 | Independent Mortgage Company |
| 21 | Primis Mortgage Company | 68 | 32 | 66 | 649 | Independent Mortgage Company |
| 22 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 855 | Independent Mortgage Company |
| 23 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 68 | 26 | 87 | 418 | Independent Mortgage Company |
| 24 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 308 | Independent Mortgage Company |
| 25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 68 | 26 | 83 | 195 | Independent Mortgage Company |
| 26 | MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 57 | 57 | 416 | Independent Mortgage Company |
| 27 | GoodLeap, LLC | 66 | 52 | 56 | 215 | Independent Mortgage Company |
| 28 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 667 | Independent Mortgage Company |
| 29 | STOCKTON MORTGAGE CORPORATION | 63 | 27 | 70 | 635 | Independent Mortgage Company |
| 30 | Equity Prime Mortgage LLC | 63 | 20 | 66 | 334 | Independent Mortgage Company |
| 31 | AMERICAN FINANCIAL NETWORK, INC. | 63 | 28 | 71 | 330 | Independent Mortgage Company |
| 32 | LOWER, LLC | 63 | 30 | 71 | 290 | Independent Mortgage Company |
| 33 | THE LOAN STORE, INC. | 63 | 40 | 77 | 261 | Independent Mortgage Company |
| 34 | Sierra Pacific Mortgage Company, Inc. | 63 | 32 | 80 | 212 | Independent Mortgage Company |
| 35 | INTERLINC MORTGAGE SERVICES, LLC | 63 | 38 | 79 | 197 | Independent Mortgage Company |
| 36 | VAN DYK MORTGAGE CORPORATION | 63 | 27 | 67 | 194 | Independent Mortgage Company |
| 37 | Paramount Residential Mortgage Group, Inc. | 63 | 27 | 72 | 186 | Independent Mortgage Company |
| 38 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 916 | Independent Mortgage Company |
| 39 | NEWREZ LLC | 58 | 35 | 59 | 624 | Independent Mortgage Company |
| 40 | CARRINGTON MORTGAGE SERVICES, LLC | 58 | 24 | 41 | 327 | Independent Mortgage Company |
| 41 | CHURCHILL MORTGAGE CORPORATION | 54 | 18 | 65 | 652 | Independent Mortgage Company |
| 42 | AMERICAN PACIFIC MORTGAGE CORPORATION | 54 | 14 | 84 | 600 | Independent Mortgage Company |
| 43 | RELIANCE FIRST CAPITAL, LLC | 54 | N/A | 96 | 292 | Independent Mortgage Company |
| 44 | SUMMIT FUNDING, INC. | 54 | 13 | 81 | 257 | Independent Mortgage Company |
| 45 | EVERETT FINANCIAL, INC. | 54 | 13 | 80 | 257 | Independent Mortgage Company |
| 46 | ALAMEDA MORTGAGE CORPORATION | 54 | 15 | 81 | 193 | Independent Mortgage Company |
| 47 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 50 | 19 | 80 | 399 | Independent Mortgage Company |
| 48 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 50 | 17 | 75 | 253 | Independent Mortgage Company |
| 49 | ISERVE RESIDENTIAL LENDING, LLC | 50 | 19 | 65 | 199 | Independent Mortgage Company |
| 50 | Farm Credit Mid-America, ACA | 49 | 6 | 48 | 553 | 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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.