🛡️
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 USDA Mortgage Company Lenders in Tennessee
Updated February 6, 2026
Market Overview
30
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 | Strong | Exceptional | Strong | Exceptional | $3,239 | +0.043% | 5,664 | |
2 | FIRST COMMUNITY MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,431 | +0.321% | 2,186 | |
3 | COMMUNITY MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,874 | +0.231% | 891 | |
4 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,587 | +0.304% | 624 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,259 | +0.321% | 559 | |
6 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,612 | +0.434% | 308 | |
7 | MORTGAGE INVESTORS GROUP, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,627 | +0.221% | 3,320 | |
8 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,492 | +0.344% | 3,095 | |
9 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,097 | +0.583% | 330 | |
10 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,642 | +0.471% | 186 | |
11 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,893 | +0.189% | 1,333 | |
12 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,203 | +0.237% | 646 | |
13 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,961 | +0.546% | 2,392 | |
14 | Primis Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,470 | +0.345% | 649 | |
15 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,754 | +0.372% | 635 | |
16 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,481 | +0.492% | 418 | |
17 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,027 | +0.739% | 334 | |
18 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,330 | +0.504% | 290 | |
19 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,698 | +0.465% | 212 | |
20 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,272 | +0.342% | 194 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,986 | +0.291% | 2,263 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,843 | +0.393% | 1,245 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,468 | +0.584% | 1,205 | |
24 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,705 | +0.505% | 916 | |
25 | UNION HOME MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Strong | $3,707 | +0.384% | 855 | |
26 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,763 | +0.425% | 600 | |
27 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Strong | Strong | $3,730 | +0.408% | 399 | |
28 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,136 | +0.415% | 253 | |
29 | Click n' Close, Inc. | Sound | Mediocre | Exceptional | Sound | Strong | $5,015 | +1.716% | 211 | |
30 | 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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
TennesseeUSDA
No credit impact
3-minute process
100% free