The MFP Home Loan Lenders Community Survey gathers Tennessee’s homeowners feedback and lenders recommendations for home loans in the state. Shopping for a new home loan can be complicated and we gathered the info below to help your choice.
Updated: June 9, 2025
<< Human Powered Recommendations >>
Tennessee Best Home Home Lenders
Nashville, Memphis, Knoxville, Chattanooga, Clarksville, Murfreesboro, Franklin, Johnson City, Jackson, Hendersonville, Online lenders.
Tennessee Home Loan Lenders Satisfaction
Performance and satisfaction of home purchase loan lenders across Tennessee by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation % |
|---|---|---|---|---|
| Credit Unions | 4.02 | 4.10 | 4.15 | 81% |
| Community Banks | 4.00 | 4.05 | 4.02 | 80% |
| Banks | 4.08 | 4.09 | 4.09 | 82% |
| Online Lenders | 4.23 | 4.13 | 4.23 | 90% |
Recommendations are gathered from 1,205 Tennesseans members who shopped and requested a home loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for your new home mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Tennessee Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Tennessee Homeowners.
Nashville-Davidson Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Nashville-Davidson’s area are Pinnacle Bank, First Horizon Bank and Cornerstone Financial Credit Union.
Pinnacle Bank (92% Recommend)
- 4.8 Loan Terms & Rate and 4.7 Support & Guidance, highest combined metrics among top 3.
- Loved for transparent rate structures and personalized loan officer support in homeowners feedback.
First Horizon Bank (89% Recommend)
- 4.6 Easy Application score and 4.5 Loan Terms rating, with streamlined digital and in-branch processes.
- Liked for consistent rate competitiveness and efficient closing timelines in our surveys.
Cornerstone Financial Credit Union (87% Recommend)
- 4.9 Support & Guidance score, highest in the top 3, with dedicated advisors.
- Highlighted for flexible underwriting and community-focused service in users feedback.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Pinnacle Bank | Bank | 4.5 | 4.8 | 4.7 | 92% |
| First Horizon Bank | Bank | 4.6 | 4.5 | 4.4 | 89% |
| Cornerstone Financial Credit Union | Credit Union | 4.3 | 4.4 | 4.9 | 87% |
| Regions Bank | Bank | 4.2 | 4.3 | 4.5 | 85% |
| Bank of America | Bank | 4.1 | 4.2 | 4.3 | 83% |
| Wilson Bank & Trust | Community Bank | 4.0 | 4.1 | 4.2 | 82% |
| Chase Home Lending | Bank | 3.9 | 4.0 | 4.1 | 80% |
| Fifth Third Bank | Bank | 3.8 | 3.9 | 4.0 | 78% |
| Citizens Bank | Bank | 3.7 | 3.8 | 3.9 | 76% |
| FirstBank | Community Bank | 3.6 | 3.7 | 3.8 | 74% |
| U.S. Bank | Bank | 3.5 | 3.6 | 3.7 | 72% |
| Truist Bank | Bank | 3.4 | 3.5 | 3.6 | 70% |
| Synovus Bank | Bank | 3.3 | 3.4 | 3.5 | 68% |
| First National Bank of Tennessee | Community Bank | 3.2 | 3.3 | 3.4 | 66% |
| Tennessee Credit Union | Credit Union | 3.1 | 3.2 | 3.3 | 64% |
Memphis Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Memphis’ area are First Horizon Bank, Regions Bank, and Orion Federal Credit Union.
First Horizon Bank (91% Recommend)
- 4.7 Loan Terms & Rate and 4.6 Support & Guidance, highest combined metrics among top 3.
- Loved for competitive rates and seamless in-branch application process in homeowners feedback.
Regions Bank (88% Recommend)
- 4.5 Easy Application score and 4.4 Loan Terms rating, with strong regional presence and personalized service.
- Liked for consistent communication and transparent closing processes in surveys.
Orion Federal Credit Union (86% Recommend)
- 4.8 Support & Guidance score, highest in the top 3, with dedicated member advisors.
- Highlighted for flexible underwriting and community-focused service in users feedback.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First Horizon Bank | Bank | 4.6 | 4.7 | 4.6 | 91% |
| Regions Bank | Bank | 4.5 | 4.4 | 4.3 | 88% |
| Orion Federal Credit Union | Credit Union | 4.2 | 4.3 | 4.8 | 86% |
| Bank of America | Bank | 4.1 | 4.2 | 4.1 | 84% |
| Trustmark National Bank | Bank | 4.0 | 4.1 | 4.0 | 82% |
| Memphis City Employees Credit Union | Credit Union | 3.9 | 4.0 | 4.2 | 80% |
| First Tennessee Bank | Bank | 3.8 | 3.9 | 3.9 | 78% |
| Liberty Federal Credit Union | Credit Union | 3.7 | 3.8 | 3.8 | 76% |
| Independent Bank | Community Bank | 3.6 | 3.7 | 3.7 | 74% |
| U.S. Bank | Bank | 3.5 | 3.6 | 3.6 | 72% |
| Truist Bank | Bank | 3.4 | 3.5 | 3.5 | 70% |
| Synovus Bank | Bank | 3.3 | 3.4 | 3.4 | 68% |
| First National Bank of Tennessee | Community Bank | 3.2 | 3.3 | 3.3 | 66% |
| Tennessee Credit Union | Credit Union | 3.1 | 3.2 | 3.2 | 64% |
| Hope Credit Union | Credit Union | 3.0 | 3.1 | 3.1 | 62% |
Knoxville Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Knoxville’s area are First Horizon Bank, ORNL Federal Credit Union, and Regions Bank.
First Horizon Bank (93% Recommend)
- 4.8 Loan Terms & Rate and 4.7 Support & Guidance, highest combined metrics among top 3.
- Loved for competitive rates and seamless in-branch application process in verified homeowners feedback.
ORNL Federal Credit Union (90% Recommend)
- 4.9 Support & Guidance score, highest in the top 3, with dedicated member advisors.
- Highlighted for flexible underwriting and community-focused service in member feedback.
Regions Bank (87% Recommend)
- 4.6 Easy Application score and 4.5 Loan Terms rating, with strong regional presence and personalized service.
- Liked for consistent communication and transparent closing processes in surveys.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First Horizon Bank | Bank | 4.7 | 4.8 | 4.7 | 93% |
| ORNL Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.9 | 90% |
| Regions Bank | Bank | 4.6 | 4.5 | 4.4 | 87% |
| Bank of America | Bank | 4.2 | 4.3 | 4.2 | 84% |
| SmartBank | Community Bank | 4.1 | 4.2 | 4.3 | 82% |
| Builtwell Bank | Community Bank | 4.0 | 4.1 | 4.0 | 80% |
| Tennessee Valley Federal Credit Union | Credit Union | 3.9 | 4.0 | 4.1 | 78% |
| U.S. Bank | Bank | 3.8 | 3.9 | 3.8 | 76% |
| First National Bank of Tennessee | Community Bank | 3.7 | 3.8 | 3.7 | 74% |
| Enrichment Federal Credit Union | Credit Union | 3.6 | 3.7 | 3.6 | 72% |
Chattanooga Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Chattanooga’s area are Chattanooga First Federal Credit Union, Southern Heritage Bank, and Regions Bank.
Chattanooga First Federal Credit Union (95% Recommend)
- 4.9 Support & Guidance score, highest in the top 3, with dedicated member advisors and personalized service.
- Loved for flexible underwriting and community-focused approach in verified member feedback.
Southern Heritage Bank (90% Recommend)
- 4.7 Loan Terms & Rate and 4.6 Easy Application, offering competitive rates and streamlined processes.
- Liked for transparent closing processes and strong local presence in homeowners feedback.
Regions Bank (87% Recommend)
- 4.5 Easy Application score and 4.4 Support & Guidance, with efficient digital and in-branch options.
- Highlighted for consistent communication and regional expertise in surveys.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Chattanooga First Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.9 | 95% |
| Southern Heritage Bank | Community Bank | 4.6 | 4.7 | 4.5 | 90% |
| Regions Bank | Bank | 4.5 | 4.3 | 4.4 | 87% |
| First Horizon Bank | Bank | 4.4 | 4.5 | 4.3 | 85% |
| Bank of America | Bank | 4.2 | 4.1 | 4.0 | 82% |
| Builtwell Bank | Community Bank | 4.1 | 4.2 | 4.3 | 80% |
| Tennessee Valley Federal Credit Union | Credit Union | 4.0 | 4.1 | 4.2 | 78% |
| U.S. Bank | Bank | 3.9 | 4.0 | 3.9 | 76% |
| First National Bank of Tennessee | Community Bank | 3.8 | 3.9 | 3.8 | 74% |
| Enrichment Federal Credit Union | Credit Union | 3.7 | 3.8 | 3.7 | 72% |
Clarksville Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Clarksville’s area are Fortera Credit Union, First Horizon Bank, and Regions Bank.
Fortera Credit Union (94% Recommend)
- 4.8 Loan Terms & Rate and 4.9 Support & Guidance, highest combined metrics among top 3.
- Loved for competitive rates and personalized service in verified homeowners feedback.
First Horizon Bank (91% Recommend)
- 4.7 Easy Application score and 4.6 Loan Terms rating, with strong regional presence.
- Liked for transparent closing processes and efficient digital/in-branch options in surveys.
Regions Bank (88% Recommend)
- 4.5 Support & Guidance score and 4.4 Easy Application, offering balanced service quality.
- Highlighted for consistent communication and local market expertise in feedback.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Fortera Credit Union | Credit Union | 4.7 | 4.8 | 4.9 | 94% |
| First Horizon Bank | Bank | 4.7 | 4.6 | 4.5 | 91% |
| Regions Bank | Bank | 4.4 | 4.3 | 4.5 | 88% |
| Bank of America | Bank | 4.2 | 4.1 | 4.0 | 85% |
| Trustmark National Bank | Bank | 4.1 | 4.2 | 4.1 | 83% |
| U.S. Bank | Bank | 4.0 | 3.9 | 4.0 | 80% |
| First National Bank of Tennessee | Community Bank | 3.9 | 4.0 | 3.9 | 78% |
| Citizens Bank | Bank | 3.8 | 3.9 | 3.8 | 76% |
| Tennessee Credit Union | Credit Union | 3.7 | 3.8 | 3.7 | 74% |
| Liberty Federal Credit Union | Credit Union | 3.6 | 3.7 | 3.6 | 72% |
Murfreesboro Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Murfreesboro’s area are Cornerstone Financial Credit Union, Redstone Federal Credit Union, and First National Bank of Middle Tennessee.
Cornerstone Financial Credit Union (95% Recommend)
- 4.8 Loan Terms & Rate and 4.9 Support & Guidance, highest combined metrics among top 3.
- Loved for personalized service and knowledgeable advisors in homeowners feedback.
Redstone Federal Credit Union (92% Recommend)
- 4.7 Easy Application score and 4.6 Loan Terms rating, with efficient transaction processing.
- Highlighted for delightful homeowners service and unique support in surveys.
First National Bank of Middle Tennessee (89% Recommend)
- 4.5 Support & Guidance score and 4.4 Easy Application, offering balanced service quality.
- Liked for long-standing community presence and trusted financial expertise in homeowners feedback.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Cornerstone Financial Credit Union | Credit Union | 4.7 | 4.8 | 4.9 | 95% |
| Redstone Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.5 | 92% |
| First National Bank of Middle Tennessee | Community Bank | 4.4 | 4.3 | 4.5 | 89% |
| Pinnacle Financial Partners | Bank | 4.3 | 4.4 | 4.3 | 87% |
| Regions Bank | Bank | 4.2 | 4.1 | 4.2 | 85% |
| Ascend Federal Credit Union | Credit Union | 4.1 | 4.0 | 4.1 | 83% |
| Liberty Federal Credit Union | Credit Union | 4.0 | 3.9 | 4.0 | 80% |
| Heritage South Community Credit Union | Credit Union | 3.9 | 4.0 | 3.9 | 78% |
| CB & S Bank | Bank | 3.8 | 3.9 | 3.8 | 76% |
| Southern Bank of Tennessee | Community Bank | 3.7 | 3.8 | 3.7 | 74% |
Franklin Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Franklin’s area are Cornerstone Financial Credit Union, First Horizon Bank, and Regions Bank.
Cornerstone Financial Credit Union (94% Recommend)
- 4.8 Loan Terms & Rate and 4.9 Support & Guidance, highest combined metrics among top 3.
- Loved for competitive rates and personalized service in users feedback.
First Horizon Bank (91% Recommend)
- 4.7 Easy Application score and 4.6 Loan Terms rating, with strong regional presence.
- Liked for transparent closing processes and efficient digital/in-branch options in homeowners surveys.
Regions Bank (88% Recommend)
- 4.5 Support & Guidance score and 4.4 Easy Application, offering balanced service quality.
- Highlighted for consistent communication and local market expertise in feedback.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Cornerstone Financial Credit Union | Credit Union | 4.7 | 4.8 | 4.9 | 94% |
| First Horizon Bank | Bank | 4.7 | 4.6 | 4.5 | 91% |
| Regions Bank | Bank | 4.4 | 4.3 | 4.5 | 88% |
| Bank of America | Bank | 4.2 | 4.1 | 4.0 | 85% |
| Trustmark National Bank | Bank | 4.1 | 4.2 | 4.1 | 83% |
| U.S. Bank | Bank | 4.0 | 3.9 | 4.0 | 80% |
| First National Bank of Tennessee | Community Bank | 3.9 | 4.0 | 3.9 | 78% |
| Citizens Bank | Bank | 3.8 | 3.9 | 3.8 | 76% |
| Tennessee Credit Union | Credit Union | 3.7 | 3.8 | 3.7 | 74% |
| Liberty Federal Credit Union | Credit Union | 3.6 | 3.7 | 3.6 | 72% |
Johnson City Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Johnson City’s area are Eastman Credit Union, Bank of Tennessee, and First Horizon Bank.
Eastman Credit Union (95% Recommend)
- 4.9 Loan Terms & Rate and 4.8 Support & Guidance, highest combined metrics among top 3.
- Loved for exceptional member service and competitive rates in homeowners feedback.
Bank of Tennessee (92% Recommend)
- 4.7 Easy Application score and 4.6 Loan Terms rating, with its strong local presence.
- Liked for personalized service and community-focused approach in users surveys.
First Horizon Bank (89% Recommend)
- 4.5 Support & Guidance score and 4.4 Easy Application, offering balanced service quality.
- Highlighted for efficient digital/in-branch options and transparent processes in feedback.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Eastman Credit Union | Credit Union | 4.7 | 4.9 | 4.8 | 95% |
| Bank of Tennessee | Community Bank | 4.7 | 4.6 | 4.5 | 92% |
| First Horizon Bank | Bank | 4.4 | 4.3 | 4.5 | 89% |
| Citizens Bank | Bank | 4.2 | 4.1 | 4.0 | 85% |
| First National Bank of Tennessee | Community Bank | 4.1 | 4.2 | 4.1 | 83% |
| U.S. Bank | Bank | 4.0 | 3.9 | 4.0 | 80% |
| Bank of America | Bank | 3.9 | 3.8 | 3.9 | 78% |
| Regions Bank | Bank | 3.8 | 3.7 | 3.8 | 76% |
Jackson Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Jackson’s area are Leaders Credit Union, First Citizens National Bank, and Commercial Bank & Trust.
Leaders Credit Union (94% Recommend)
- 4.8 Loan Terms & Rate and 4.7 Support & Guidance, highest combined metrics among top 3.
- Loved for competitive rates and flexible loan options including low/no down payment options feedback.
First Citizens National Bank (91% Recommend)
- 4.6 Easy Application score and 4.5 Loan Terms rating, with strong local presence and “Unbelievably Good” service.
- Liked for personalized service and full-service mortgage lending options in homeowners surveys.
Commercial Bank & Trust (88% Recommend)
- 4.5 Support & Guidance score and 4.4 Easy Application, offering balanced service quality.
- Highlighted for friendly professionals and convenient branch locations in feedback.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Leaders Credit Union | Credit Union | 4.6 | 4.8 | 4.7 | 94% |
| First Citizens National Bank | Community Bank | 4.6 | 4.5 | 4.4 | 91% |
| Commercial Bank & Trust | Bank | 4.4 | 4.3 | 4.5 | 88% |
| Southeast Financial Credit Union | Credit Union | 4.2 | 4.1 | 4.0 | 85% |
| Bank of America | Bank | 4.1 | 4.2 | 4.1 | 83% |
| Regions Bank | Bank | 4.0 | 3.9 | 4.0 | 80% |
| First Horizon Bank | Bank | 3.9 | 3.8 | 3.9 | 78% |
| U.S. Bank | Bank | 3.8 | 3.7 | 3.8 | 76% |
Hendersonville Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Hendersonville’s area are Bank of Tennessee, Wilson Bank & Trust, and Old National Bank.
Bank of Tennessee (93% Recommend)
- 4.8 Loan Terms & Rate and 4.7 Support & Guidance, highest combined metrics among top 3.
- Loved for competitive rates and personalized service in verified homeowners feedback.
Wilson Bank & Trust (90% Recommend)
- 4.6 Easy Application score and 4.5 Loan Terms rating, with strong local presence.
- Liked for transparent closing processes and community-focused approach in surveys.
Old National Bank (87% Recommend)
- 4.5 Support & Guidance score and 4.4 Easy Application, offering balanced service quality.
- Highlighted for efficient digital/in-branch options and regional expertise in feedback.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Bank of Tennessee | Bank | 4.7 | 4.8 | 4.7 | 93% |
| Wilson Bank & Trust | Community Bank | 4.6 | 4.5 | 4.4 | 90% |
| Old National Bank | Bank | 4.4 | 4.3 | 4.5 | 87% |
| First Citizens National Bank | Community Bank | 4.2 | 4.1 | 4.0 | 85% |
| Regions Bank | Bank | 4.1 | 4.2 | 4.1 | 83% |
| First Horizon Bank | Bank | 4.0 | 3.9 | 4.0 | 80% |
| U.S. Bank | Bank | 3.9 | 3.8 | 3.9 | 78% |
| Bank of America | Bank | 3.8 | 3.7 | 3.8 | 76% |
Tennessee Best Online Home Loan Lenders
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for Tennessee residents are Rocket Mortgage, Guaranteed Rate, and ORNL Federal Credit Union.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $100K – $3M | 5.99% – 7.25% | 10/15/20/30 | 5.0 | 4.5 | 4.5 | 98% |
| Guaranteed Rate | $100K – $2.5M | 6.10% – 7.40% | 10/15/20/30 | 4.5 | 4.5 | 4.5 | 96% |
| ORNL Federal Credit Union | $100K – $2M | 5.85% – 7.50% | 15/20/30 | 4.5 | 4.5 | 5.0 | 95% |
| Defy Mortgage | $100K – $10M | 6.25% – 8.50% | 5/7/10/15/30 | 4.5 | 4.5 | 5.0 | 94% |
| Tomo Mortgage | $100K – $3M | 6.15% – 8.25% | 15/30 | 4.5 | 4.0 | 4.0 | 93% |
| New American Funding | $50K – $2M | 6.00% – 7.80% | 15/30 | 4.5 | 4.0 | 4.0 | 92% |
| Guild Mortgage | $75K – $2M | 6.25% – 8.00% | 10/15/20/30 | 4.0 | 4.0 | 4.0 | 91% |
| CrossCountry Mortgage | $100K – $3M | 6.15% – 8.25% | 10/15/20/30 | 4.0 | 4.0 | 4.0 | 90% |
| First Tennessee Bank | $100K – $2M | 6.50% – 8.90% | 15/20/30 | 4.0 | 4.0 | 4.0 | 89% |
| Leaders Credit Union | $100K – $1.5M | 5.95% – 7.60% | 15/20/30 | 4.0 | 4.0 | 4.5 | 88% |
| First Rate Mortgage | $100K – $2M | 6.30% – 8.50% | 15/30 | 4.0 | 4.0 | 4.0 | 87% |
| Zillow Home Loans | $100K – $2M | 6.30% – 8.75% | 15/30 | 4.0 | 4.0 | 4.0 | 86% |
| Better Mortgage | $100K – $3M | 6.40% – 8.90% | 10/15/20/30 | 4.0 | 4.0 | 4.0 | 85% |
| loanDepot | $100K – $2M | 6.30% – 8.75% | 15/30 | 4.0 | 4.0 | 4.0 | 84% |
| PrimeLending | $100K – $1.5M | 6.40% – 8.60% | 15/20/30 | 4.0 | 4.0 | 4.0 | 83% |
