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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 FHA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,239 | +0.043% | 5,664 | |
2 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,631 | -0.067% | 1,245 | |
3 | Legacy Home Loans, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $1,996 | +0.144% | 1,242 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,314 | +0.322% | 945 | |
5 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,203 | +0.237% | 646 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,259 | +0.321% | 559 | |
7 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,842 | +0.275% | 197 | |
8 | MORTGAGE INVESTORS GROUP, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,627 | +0.221% | 3,320 | |
9 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,697 | +0.045% | 1,377 | |
10 | COMMUNITY MORTGAGE CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,874 | +0.231% | 891 | |
11 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,838 | +0.092% | 579 | |
12 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $3,829 | +0.195% | 215 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,302 | +0.298% | 7,212 | |
14 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,431 | +0.321% | 2,186 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,843 | +0.393% | 1,245 | |
16 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,470 | +0.345% | 649 | |
17 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,358 | +0.279% | 261 | |
18 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $3,981 | +0.414% | 226 | |
19 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $2,864 | +0.278% | 195 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,492 | +0.344% | 3,095 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,986 | +0.291% | 2,263 | |
22 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,893 | +0.189% | 1,333 | |
23 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,707 | +0.384% | 855 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,587 | +0.304% | 624 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,879 | +0.329% | 195 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,961 | +0.546% | 2,392 | |
27 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,754 | +0.372% | 635 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,481 | +0.492% | 418 | |
29 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,027 | +0.739% | 334 | |
30 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,097 | +0.583% | 330 | |
31 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,612 | +0.434% | 308 | |
32 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,330 | +0.504% | 290 | |
33 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,698 | +0.465% | 212 | |
34 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,272 | +0.342% | 194 | |
35 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,642 | +0.471% | 186 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,468 | +0.584% | 1,205 | |
37 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,293 | +0.392% | 652 | |
38 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,763 | +0.425% | 600 | |
39 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $2,344 | +0.400% | 416 | |
40 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,730 | +0.408% | 399 | |
41 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,273 | +0.247% | 327 | |
42 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Strong | $4,307 | +0.727% | 271 | |
43 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,460 | +0.760% | 257 | |
44 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,416 | +0.685% | 257 | |
45 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,752 | +0.566% | 193 | |
46 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,711 | +0.230% | 667 | |
47 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,136 | +0.415% | 253 | |
48 | Click n' Close, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $5,015 | +1.716% | 211 | |
49 | ISERVE RESIDENTIAL LENDING, LLC | Sound | Mediocre | Strong | 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 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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