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Rankings

Best Jumbo Mortgage Lenders in Nashville

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders230

Total Loans31,402

Median Rate Spread0.26%

Nashville Market Insights

Us Bank National Association is Safe Rate's top-ranked Jumbo lender in Nashville, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Nashville, Morgan Stanley Private Bank National Association and Navy Federal Credit Union scores highest on Jumbo pricing while Bank of America National Association and Us Bank National Association leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #4 in Nashville, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Nashville: Rocket Mortgage (#6) and Legacy Home Loans (#14).

Explore Rankings by Type

Overall Rankings

All lenders in Nashville

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By Institution Type

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Shopping for a mortgage? Hit Get Quote on any lender to add it to My Home and request real quotes.

U.S. Bank National Association

BankDirect

Overall

Exceptional

Avg Fees

$1,400Fees

Bank of America

BankDirect

Overall

Exceptional

Avg Fees

$1,460Fees

Morgan Stanley Private Bank

BankDirect

Overall

Exceptional

Avg Fees

$430Fees

United Wholesale Mortgage

Independent Mortgage CompanyWholesale

Overall

Exceptional

Avg Fees

$3,363Fees

Wells Fargo Bank

BankDirect

Overall

Strong

Avg Fees

$1,917Fees

Rocket Mortgage

Independent Mortgage CompanyDirect & Wholesale

Overall

Strong

Avg Fees

$4,690Fees

Truist Bank

BankDirect

Overall

Strong

Avg Fees

$746Fees

Old National Bank

BankDirect

Overall

Strong

Avg Fees

$1,130Fees

Navy Federal Credit Union

Credit UnionDirect

Overall

Strong

Avg Fees

$642Fees

Fifth Third Bank

BankDirect

Overall

Strong

Avg Fees

$692Fees

Guaranteed Rate

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$2,699Fees

Citizens Bank

BankDirect

Overall

Strong

Avg Fees

$903Credit

CMG Mortgage

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$3,874Fees

Legacy Home Loans

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$1,868Fees

FirstBank

BankDirect

Overall

Strong

Avg Fees

$2,182Fees

JPMorgan Chase Bank

BankDirect & Wholesale

Overall

Strong

Avg Fees

$1,811Fees

Ascend Federal Credit Union

Credit UnionDirect

Overall

Strong

Avg Fees

$597Fees

CrossCountry Mortgage

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$4,657Fees

PennyMac Loan Services

Independent Mortgage CompanyDirect & Wholesale

Overall

Strong

Avg Fees

$2,483Fees

Regions Bank

BankDirect

Overall

Strong

Avg Fees

$1,522Fees

Movement Mortgage

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$3,154Fees

SWBC Mortgage Corporation

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$2,106Fees

First Horizon Bank

BankDirect

Overall

Strong

Avg Fees

$2,095Fees

Renasant Bank

BankDirect & Wholesale

Overall

Strong

Avg Fees

$3,336Fees

Ameris Bank

BankDirect

Overall

Strong

Avg Fees

$2,209Fees

ServisFirst Bank

BankDirect

Overall

Strong

Avg Fees

$2,171Fees

Wilson Bank and Trust

BankDirect

Overall

Strong

Avg Fees

$2,041Fees

Churchill Mortgage Corporation

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$3,314Fees

Liberty

Credit UnionDirect

Overall

Strong

Avg Fees

$1,776Fees

Cadence Bank

BankDirect

Overall

Strong

Avg Fees

$2,618Fees

Pinnacle Bank

BankDirect

Overall

Strong

Avg Fees

$2,470Fees

Legends Bank

BankDirect

Overall

Strong

Avg Fees

$2,576Fees

American Pacific Mortgage Corporation

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$5,070Fees

Mortgage Investors Group

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$2,726Fees

Highlands Residential Mortgage

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$3,841Fees

Studio Bank

BankDirect

Overall

Sound

Avg Fees

$2,104Fees

CapStar Bank

BankDirect

Overall

Sound

Avg Fees

$1,878Fees

Farm Credit Mid-America, ACA

Independent Mortgage CompanyDirect & Wholesale

Overall

Sound

Avg Fees

$6,533Fees

Flagstar Bank

BankDirect & Wholesale

Overall

Sound

Avg Fees

$3,054Fees

Rank	Lender	Safe Rate Score					Loan Economics			Action
Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans	Action
1	U.S. Bank National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,400Fees	0.105%Above	424
2	Bank of America BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,460Fees	0.176%Below	212
3	Morgan Stanley Private Bank BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$430Fees	0.434%Below	79
4	United Wholesale Mortgage Independent Mortgage CompanyWholesale	Exceptional	Sound*	Exceptional	Strong	Exceptional	$3,363Fees	0.024%Above	2,369
5	Wells Fargo Bank BankDirect	Strong	Exceptional	Exceptional	Strong	Strong	$1,917Fees	0.078%Below	168
6	Rocket Mortgage Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$4,690Fees	0.199%Above	2,107
7	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$746Fees	0.022%Above	154
8	Old National Bank BankDirect	Strong	Strong	Exceptional	Strong	Exceptional	$1,130Fees	0.034%Above	345
9	Navy Federal Credit Union Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$642Fees	0.592%Below	187
10	Fifth Third Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$692Fees	0.027%Above	168
11	Guaranteed Rate Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$2,699Fees	0.144%Above	427
12	Citizens Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$903Credit	0.038%Above	123
13	CMG Mortgage Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$3,874Fees	0.329%Above	1,585
14	Legacy Home Loans Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Exceptional	$1,868Fees	0.146%Above	1,104
15	FirstBank BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,182Fees	0.139%Above	932
16	JPMorgan Chase Bank BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,811Fees	0.017%Above	482
17	Ascend Federal Credit Union Credit UnionDirect	Strong	Exceptional	Strong	Sound	Exceptional	$597Fees	0.737%Below	239
18	CrossCountry Mortgage Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,657Fees	0.557%Above	583
19	PennyMac Loan Services Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,483Fees	0.014%Below	414
20	Regions Bank BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$1,522Fees	0.233%Above	392
21	Movement Mortgage Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$3,154Fees	0.202%Above	690
22	SWBC Mortgage Corporation Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,106Fees	0.230%Above	518
23	First Horizon Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,095Fees	0.015%Above	346
24	Renasant Bank BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,336Fees	0.081%Above	139
25	Ameris Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,209Fees	0.254%Above	320
26	ServisFirst Bank BankDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,171Fees	0.129%Above	91
27	Wilson Bank and Trust BankDirect	Strong	Mediocre	Strong	Strong	Exceptional	$2,041Fees	0.299%Above	475
28	Churchill Mortgage Corporation Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Sound	Exceptional	$3,314Fees	0.369%Above	449
29	Liberty Credit UnionDirect	Strong	Acceptable	Strong	Strong	Strong	$1,776Fees	0.466%Above	185
30	Cadence Bank BankDirect	Strong	Mediocre	Exceptional	Strong	Strong	$2,618Fees	0.049%Below	175
31	Pinnacle Bank BankDirect	Strong	Mediocre	Strong	Strong	Exceptional	$2,470Fees	0.050%Above	648
32	Legends Bank BankDirect	Strong	Sound	—	Strong	Strong	$2,576Fees	0.266%Above	97
33	American Pacific Mortgage Corporation Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Strong	$5,070Fees	0.463%Above	270
34	Mortgage Investors Group Independent Mortgage CompanyDirect	Sound	Sound	Strong	Sound	Strong	$2,726Fees	0.119%Above	270
35	Highlands Residential Mortgage Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$3,841Fees	0.389%Above	207
36	Studio Bank BankDirect	Sound	Sound	Strong	Sound	Strong	$2,104Fees	0.205%Above	111
37	CapStar Bank BankDirect	Sound	Sound	—	Sound	Strong	$1,878Fees	0.245%Above	70
38	Farm Credit Mid-America, ACA Independent Mortgage CompanyDirect & Wholesale	Sound	Mediocre*	Exceptional	Sound	Strong	$6,533Fees	0.539%Above	147
39	Flagstar Bank BankDirect & Wholesale	Sound	Mediocre*	Exceptional	Sound	Sound	$3,054Fees	0.289%Above	80

Frequently Asked Questions

How are mortgage lenders ranked in Nashville?+

Safe Rate ranks lenders using the 5 Ps framework. Four are derived from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Nashville), and Product (performance on specific loan types). The fifth, Promptness, is behavioral: it credits lenders who answer real shopper quote requests quickly. Each lender receives a composite Safe Rate Score from 0 to 100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Nashville?+

Based on 2024 HMDA data, 230 lenders originated a combined 31,402 loans in Nashville. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Nashville?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Nashville is 0.26%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Nashville's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

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.

Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.