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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 Conventional Mortgage Company Lenders in Tennessee
Updated February 6, 2026
Market Overview
50
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 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,697 | +0.045% | 1,377 | |
2 | COMMUNITY MORTGAGE CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,874 | +0.231% | 891 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,302 | +0.298% | 7,212 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,239 | +0.043% | 5,664 | |
5 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,631 | -0.067% | 1,245 | |
6 | Legacy Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $1,996 | +0.144% | 1,242 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,838 | +0.092% | 579 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,259 | +0.321% | 559 | |
9 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,344 | +0.400% | 416 | |
10 | MORTGAGE INVESTORS GROUP, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,627 | +0.221% | 3,320 | |
11 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,492 | +0.344% | 3,095 | |
12 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,986 | +0.291% | 2,263 | |
13 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,431 | +0.321% | 2,186 | |
14 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,893 | +0.189% | 1,333 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,843 | +0.393% | 1,245 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,468 | +0.584% | 1,205 | |
17 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,203 | +0.237% | 646 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,314 | +0.322% | 945 | |
19 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,707 | +0.384% | 855 | |
20 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,711 | +0.230% | 667 | |
21 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,754 | +0.372% | 635 | |
22 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,481 | +0.492% | 418 | |
23 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $3,730 | +0.408% | 399 | |
24 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,097 | +0.583% | 330 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,612 | +0.434% | 308 | |
26 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,330 | +0.504% | 290 | |
27 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,358 | +0.279% | 261 | |
28 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,136 | +0.415% | 253 | |
29 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,829 | +0.195% | 215 | |
30 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,698 | +0.465% | 212 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,879 | +0.329% | 195 | |
32 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,864 | +0.278% | 195 | |
33 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,642 | +0.471% | 186 | |
34 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $1,961 | +0.546% | 2,392 | |
35 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,705 | +0.505% | 916 | |
36 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,293 | +0.392% | 652 | |
37 | Primis Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,470 | +0.345% | 649 | |
38 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,587 | +0.304% | 624 | |
39 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $3,981 | +0.414% | 226 | |
40 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,842 | +0.275% | 197 | |
41 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,763 | +0.425% | 600 | |
42 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $5,460 | +0.760% | 257 | |
43 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,416 | +0.685% | 257 | |
44 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $4,272 | +0.342% | 194 | |
45 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $2,752 | +0.566% | 193 | |
46 | Farm Credit Mid-America, ACA | Sound | Mediocre | Strong | Sound | Exceptional | $6,109 | +0.568% | 553 | |
47 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Strong | $4,273 | +0.247% | 327 | |
48 | Click n' Close, Inc. | Sound | Mediocre | Strong | Sound | Strong | $5,015 | +1.716% | 211 | |
49 | ISERVE RESIDENTIAL LENDING, LLC | Sound | Mediocre | Sound | Sound | 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 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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