# Best USDA Mortgage Lenders in Tennessee

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

Compare the top USDA mortgage lenders in Tennessee. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | Patriot Bank | 95 | 91 | 83 | 400 | Bank |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 62 | 75 | 5,664 | Independent Mortgage Company |
| 3 | Leaders Credit Union | 89 | 68 | 66 | 727 | Credit Union |
| 4 | Cadence Bank | 89 | 71 | 70 | 681 | Bank |
| 5 | Simmons Bank | 89 | 80 | 60 | 297 | Bank |
| 6 | FIRST COMMUNITY MORTGAGE, INC. | 88 | 55 | 80 | 2,186 | Independent Mortgage Company |
| 7 | COMMUNITY MORTGAGE CORPORATION | 88 | 41 | 82 | 891 | Independent Mortgage Company |
| 8 | NEWREZ LLC | 85 | 65 | 69 | 624 | Independent Mortgage Company |
| 9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 69 | 72 | 559 | Independent Mortgage Company |
| 10 | GUILD MORTGAGE COMPANY LLC | 85 | 71 | 78 | 308 | Independent Mortgage Company |
| 11 | First Citizens National Bank | 85 | 76 | 69 | 291 | Bank |
| 12 | MORTGAGE INVESTORS GROUP, INC. | 83 | 51 | 67 | 3,320 | Independent Mortgage Company |
| 13 | CMG MORTGAGE, INC. | 83 | 48 | 72 | 3,095 | Independent Mortgage Company |
| 14 | United Community Bank | 80 | 78 | 60 | 264 | Bank |
| 15 | Renasant Bank | 79 | 49 | 67 | 516 | Bank |
| 16 | The First National Bank of Middle Tennessee | 79 | 46 | 64 | 371 | Bank |
| 17 | AMERICAN FINANCIAL NETWORK, INC. | 79 | 43 | 61 | 330 | Independent Mortgage Company |
| 18 | Paramount Residential Mortgage Group, Inc. | 79 | 42 | 63 | 186 | Independent Mortgage Company |
| 19 | FirstBank | 75 | 36 | 63 | 1,926 | Bank |
| 20 | GUARANTEED RATE, INC. | 75 | 34 | 67 | 1,333 | Independent Mortgage Company |
| 21 | SWBC MORTGAGE CORPORATION | 75 | 34 | 76 | 646 | Independent Mortgage Company |
| 22 | Flagstar Bank, N.A. | 73 | 41 | 58 | 349 | Bank |
| 23 | Primis Mortgage Company | 71 | 32 | 72 | 649 | Independent Mortgage Company |
| 24 | STOCKTON MORTGAGE CORPORATION | 71 | 23 | 70 | 635 | Independent Mortgage Company |
| 25 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 29 | 66 | 418 | Independent Mortgage Company |
| 26 | Equity Prime Mortgage LLC | 71 | 37 | 72 | 334 | Independent Mortgage Company |
| 27 | LOWER, LLC | 71 | 36 | 69 | 290 | Independent Mortgage Company |
| 28 | Sierra Pacific Mortgage Company, Inc. | 71 | 29 | 66 | 212 | Independent Mortgage Company |
| 29 | VAN DYK MORTGAGE CORPORATION | 71 | 27 | 72 | 194 | Independent Mortgage Company |
| 30 | Mortgage Research Center, LLC | 70 | 34 | 47 | 2,392 | Independent Mortgage Company |
| 31 | Regions Bank | 70 | 32 | 57 | 1,429 | Bank |
| 32 | Legends Bank | 68 | 44 | 44 | 342 | Bank |
| 33 | SmartBank | 64 | 58 | 46 | 245 | Bank |
| 34 | MOVEMENT MORTGAGE, LLC | 63 | 8 | 70 | 2,263 | Independent Mortgage Company |
| 35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 63 | 17 | 73 | 1,245 | Independent Mortgage Company |
| 36 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 7 | 70 | 1,205 | Independent Mortgage Company |
| 37 | NEW AMERICAN FUNDING, LLC | 60 | 5 | 62 | 916 | Independent Mortgage Company |
| 38 | UNION HOME MORTGAGE CORP. | 60 | 15 | 68 | 855 | Independent Mortgage Company |
| 39 | AMERICAN PACIFIC MORTGAGE CORPORATION | 60 | 8 | 77 | 600 | Independent Mortgage Company |
| 40 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 60 | 13 | 74 | 399 | Independent Mortgage Company |
| 41 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 60 | 2 | 65 | 253 | Independent Mortgage Company |
| 42 | ISERVE RESIDENTIAL LENDING, LLC | 57 | 19 | 75 | 199 | Independent Mortgage Company |
| 43 | WILSON BANK AND TRUST | 56 | 17 | 64 | 560 | Bank |
| 44 | Click n' Close, Inc. | 56 | 1 | 59 | 211 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.