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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 VA 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 | Strong | Exceptional | Exceptional | Exceptional | $3,239 | +0.043% | 5,664 | |
2 | MORTGAGE INVESTORS GROUP, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,627 | +0.221% | 3,320 | |
3 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,893 | +0.189% | 1,333 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,631 | -0.067% | 1,245 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,838 | +0.092% | 579 | |
6 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $2,842 | +0.275% | 197 | |
7 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,864 | +0.278% | 195 | |
8 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,492 | +0.344% | 3,095 | |
9 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,986 | +0.291% | 2,263 | |
10 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,314 | +0.322% | 945 | |
11 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,203 | +0.237% | 646 | |
12 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,097 | +0.583% | 330 | |
13 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,981 | +0.414% | 226 | |
14 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,697 | +0.045% | 1,377 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,259 | +0.321% | 559 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,879 | +0.329% | 195 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,302 | +0.298% | 7,212 | |
18 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,431 | +0.321% | 2,186 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,843 | +0.393% | 1,245 | |
20 | Legacy Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $1,996 | +0.144% | 1,242 | |
21 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,470 | +0.345% | 649 | |
22 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,587 | +0.304% | 624 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,344 | +0.400% | 416 | |
24 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,358 | +0.279% | 261 | |
25 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,642 | +0.471% | 186 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,961 | +0.546% | 2,392 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,468 | +0.584% | 1,205 | |
28 | COMMUNITY MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,874 | +0.231% | 891 | |
29 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,707 | +0.384% | 855 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,711 | +0.230% | 667 | |
31 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,754 | +0.372% | 635 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,481 | +0.492% | 418 | |
33 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $3,730 | +0.408% | 399 | |
34 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,612 | +0.434% | 308 | |
35 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,330 | +0.504% | 290 | |
36 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,829 | +0.195% | 215 | |
37 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,698 | +0.465% | 212 | |
38 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,027 | +0.739% | 334 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,273 | +0.247% | 327 | |
40 | ISERVE RESIDENTIAL LENDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,898 | +0.321% | 199 | |
41 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Strong | Strong | Exceptional | $3,293 | +0.392% | 652 | |
42 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,763 | +0.425% | 600 | |
43 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $4,307 | +0.727% | 271 | |
44 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $5,460 | +0.760% | 257 | |
45 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,416 | +0.685% | 257 | |
46 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,136 | +0.415% | 253 | |
47 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Strong | Exceptional | Strong | $2,752 | +0.566% | 193 | |
48 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,705 | +0.505% | 916 | |
49 | VAN DYK MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | Strong | $4,272 | +0.342% | 194 |
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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