8 Best Tennessee Mortgage Lenders of 2021
Here are are our picks for some of the best Tennessee mortgage lenders, including ones that help first-time home buyers and military members, as well as lenders who offer low down payment mortgages and HELOCs.




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Whether you’re shopping for a chalet near Gatlinburg or a loft in Nashville with a view of the Cumberland River, it takes research to get the right mortgage. NerdWallet has done the legwork to help you find the best Tennessee mortgage lenders.
Some of these lenders stand out for overall expertise. Others excel in specific categories, such as VA loans, first-time home buyers, home equity loans or low down payment mortgages.
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
8 Best Tennessee Mortgage Lenders of 2021
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Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | Min. credit score ▾ ▾ | Min. down payment ▾ ▾ | Learn more |
---|---|---|---|---|
580 | N/A | Learn more at New American Funding | ||
620 | 3% | Learn more at Rate | ||
620 | 0% | Learn more at Veterans United | ||
620 | 3% | |||
N/A | 0% | |||
620 | 3% | |||
620 | 3% | |||
660 | 5% |
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Last updated on January 21, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
NerdWallet's Best Tennessee Mortgage Lenders of 2021
- New American Funding: Best for overall
- Rate: Best for overall
- Veterans United: Best for VA loans
- SoFi: Best for first-time home buyers
- Navy Federal: Best for VA loans
- Carrington: Best for first-time home buyers
- SunTrust (Truist): Best for home equity borrowing
- Bank of America: Best for low down payments