# Best VA Mortgage Lenders in Tennessee

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

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

> **Canonical URL:** https://saferate.com/tennessee/best-mortgage-lenders/va-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 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 5,664 | Independent Mortgage Company |
| 2 | MORTGAGE INVESTORS GROUP, INC. | 95 | 62 | 81 | 3,320 | Independent Mortgage Company |
| 3 | FirstBank | 89 | 66 | 82 | 1,926 | Bank |
| 4 | GUARANTEED RATE, INC. | 89 | 79 | 70 | 1,333 | Independent Mortgage Company |
| 5 | PENNYMAC LOAN SERVICES, LLC | 89 | 61 | 62 | 1,245 | Independent Mortgage Company |
| 6 | First Horizon Bank | 89 | 81 | 74 | 891 | Bank |
| 7 | VANDERBILT MORTGAGE AND FINANCE, INC. | 89 | 79 | 86 | 579 | Independent Mortgage Company |
| 8 | Ameris Bank | 89 | 63 | 81 | 391 | Bank |
| 9 | FIRST COLONY MORTGAGE CORPORATION | 89 | 64 | 81 | 195 | Independent Mortgage Company |
| 10 | CMG MORTGAGE, INC. | 88 | 54 | 81 | 3,095 | Independent Mortgage Company |
| 11 | MOVEMENT MORTGAGE, LLC | 88 | 45 | 81 | 2,263 | Independent Mortgage Company |
| 12 | SWBC MORTGAGE CORPORATION | 88 | 45 | 85 | 646 | Independent Mortgage Company |
| 13 | Pinnacle Bank | 85 | 70 | 64 | 1,277 | Bank |
| 14 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 945 | Independent Mortgage Company |
| 15 | U.S. Bank National Association | 85 | 71 | 65 | 803 | Bank |
| 16 | Old National Bank | 85 | 93 | 63 | 466 | Bank |
| 17 | Patriot Bank | 85 | 77 | 79 | 400 | Bank |
| 18 | The First National Bank of Middle Tennessee | 85 | 63 | 67 | 371 | Bank |
| 19 | AMERICAN FINANCIAL NETWORK, INC. | 85 | 75 | 63 | 330 | Independent Mortgage Company |
| 20 | Fifth Third Bank, National Association | 85 | 81 | 60 | 256 | Bank |
| 21 | INSPIRE HOME LOANS INC. | 85 | 66 | 78 | 226 | Independent Mortgage Company |
| 22 | INTERLINC MORTGAGE SERVICES, LLC | 85 | 86 | 68 | 197 | Independent Mortgage Company |
| 23 | LOANDEPOT.COM, LLC | 83 | 53 | 69 | 1,377 | Independent Mortgage Company |
| 24 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 845 | Credit Union |
| 25 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 83 | 56 | 81 | 559 | Independent Mortgage Company |
| 26 | Renasant Bank | 83 | 59 | 83 | 516 | Bank |
| 27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 83 | 48 | 82 | 195 | Independent Mortgage Company |
| 28 | United Community Bank | 80 | 71 | 70 | 264 | Bank |
| 29 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 7,212 | Independent Mortgage Company |
| 30 | FIRST COMMUNITY MORTGAGE, INC. | 80 | 39 | 83 | 2,186 | Independent Mortgage Company |
| 31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 33 | 83 | 1,245 | Independent Mortgage Company |
| 32 | Legacy Home Loans, LLC | 79 | 43 | 79 | 1,242 | Independent Mortgage Company |
| 33 | JPMorgan Chase Bank, National Association | 79 | 75 | 54 | 970 | Bank |
| 34 | Leaders Credit Union | 79 | 56 | 68 | 727 | Credit Union |
| 35 | Cadence Bank | 79 | 52 | 64 | 681 | Bank |
| 36 | Primis Mortgage Company | 79 | 44 | 70 | 649 | Independent Mortgage Company |
| 37 | NEWREZ LLC | 79 | 47 | 63 | 624 | Independent Mortgage Company |
| 38 | MUTUAL OF OMAHA MORTGAGE, INC. | 79 | 46 | 60 | 416 | Independent Mortgage Company |
| 39 | USAA Federal Savings Bank | 79 | 62 | 58 | 381 | Bank |
| 40 | Flagstar Bank, N.A. | 79 | 56 | 68 | 349 | Bank |
| 41 | Legends Bank | 79 | 49 | 79 | 342 | Bank |
| 42 | THE LOAN STORE, INC. | 79 | 51 | 75 | 261 | Independent Mortgage Company |
| 43 | Paramount Residential Mortgage Group, Inc. | 79 | 40 | 71 | 186 | Independent Mortgage Company |
| 44 | Mortgage Research Center, LLC | 75 | 34 | 61 | 2,392 | Independent Mortgage Company |
| 45 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 32 | 71 | 1,205 | Independent Mortgage Company |
| 46 | COMMUNITY MORTGAGE CORPORATION | 75 | 32 | 81 | 891 | Independent Mortgage Company |
| 47 | Truist Bank | 74 | 71 | 60 | 510 | Bank |
| 48 | Citizens Bank, National Association | 74 | 73 | 58 | 209 | Bank |
| 49 | Regions Bank | 73 | 54 | 59 | 1,429 | Bank |
| 50 | Wells Fargo Bank, National Association | 73 | 53 | 55 | 449 | Bank |

## 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.