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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 Lenders in Tennessee
Updated February 6, 2026
Market Overview
361
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 | First Horizon Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,604 | +0.088% | 891 | |
4 | FirstBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,165 | +0.231% | 1,926 | |
5 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,893 | +0.189% | 1,333 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,631 | -0.067% | 1,245 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $868 | -0.543% | 845 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,838 | +0.092% | 579 | |
9 | Old National Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,189 | +0.075% | 466 | |
10 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,263 | +0.270% | 391 | |
11 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | $955 | +0.103% | 256 | |
12 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $2,842 | +0.275% | 197 | |
13 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,864 | +0.278% | 195 | |
14 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,492 | +0.344% | 3,095 | |
15 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,986 | +0.291% | 2,263 | |
16 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,351 | +0.075% | 1,277 | |
17 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,314 | +0.322% | 945 | |
18 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,405 | +0.145% | 803 | |
19 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,203 | +0.237% | 646 | |
20 | Patriot Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,307 | -0.022% | 400 | |
21 | The First National Bank of Middle Tennessee | Exceptional | Strong | Strong | Strong | Exceptional | $2,553 | +0.193% | 371 | |
22 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,097 | +0.583% | 330 | |
23 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,981 | +0.414% | 226 | |
24 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,697 | +0.045% | 1,377 | |
25 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,968 | +0.042% | 970 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,259 | +0.321% | 559 | |
27 | Renasant Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,823 | +0.185% | 516 | |
28 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,928 | -0.171% | 381 | |
29 | United Community Bank | Exceptional | Strong | Strong | Strong | Strong | $2,082 | +0.398% | 264 | |
30 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,879 | +0.329% | 195 | |
31 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,302 | +0.298% | 7,212 | |
32 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,431 | +0.321% | 2,186 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,843 | +0.393% | 1,245 | |
34 | Legacy Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $1,996 | +0.144% | 1,242 | |
35 | Leaders Credit Union | Strong | Sound | Strong | Strong | Exceptional | $1,074 | +0.308% | 727 | |
36 | Cadence Bank | Strong | Sound | Strong | Strong | Exceptional | $2,254 | +0.049% | 681 | |
37 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,470 | +0.345% | 649 | |
38 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,587 | +0.304% | 624 | |
39 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $1,080 | +0.138% | 510 | |
40 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,344 | +0.400% | 416 | |
41 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,566 | +0.301% | 349 | |
42 | Legends Bank | Strong | Sound | Strong | Strong | Exceptional | $2,687 | +0.107% | 342 | |
43 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,358 | +0.279% | 261 | |
44 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $143 | +0.108% | 209 | |
45 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,642 | +0.471% | 186 | |
46 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,961 | +0.546% | 2,392 | |
47 | Regions Bank | Strong | Sound | Strong | Sound | Exceptional | $1,655 | +0.392% | 1,429 | |
48 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,468 | +0.584% | 1,205 | |
49 | COMMUNITY MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,874 | +0.231% | 891 | |
50 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $2,279 | +0.081% | 449 |
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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