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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 Mortgage Lenders in Knoxville
Updated February 5, 2026
Market Overview
130
Total Lenders
12,347
Total Loans
0.27%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $782 | -0.468% | 104 | |
2 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Exceptional | $2,609 | +0.217% | 1,596 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,323 | +0.163% | 909 | |
4 | Pinnacle Bank | Strong | Strong | Strong | Strong | $2,491 | +0.050% | 134 | |
5 | Truist Bank | Strong | Strong | Strong | Strong | $20 | +0.201% | 123 | |
6 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,291 | +0.143% | 86 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,688 | +0.322% | 116 | |
8 | FirstBank | Strong | Sound | Exceptional | Strong | $2,009 | +0.132% | 90 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $2,976 | -0.039% | 82 | |
10 | Bank of America, National Association | Strong | Strong | Strong | Sound | $2,360 | +0.012% | 46 | |
11 | Fifth Third Bank, National Association | Strong | Strong | Strong | Sound | $1,505 | +0.217% | 37 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,248 | +0.289% | 1,012 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,594 | +0.024% | 186 | |
14 | Regions Bank | Strong | Sound | Strong | Strong | $1,691 | +0.254% | 180 | |
15 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,159 | +0.127% | 139 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,147 | +0.277% | 127 | |
17 | Countybank | Strong | Sound | Strong | Strong | $1,092 | +0.198% | 111 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,079 | -0.078% | 100 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,577 | +0.431% | 89 | |
20 | NexBank | Strong | Sound | Strong | Strong | $2,445 | +0.474% | 81 | |
21 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,394 | +0.226% | 58 | |
22 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Sound | $3,260 | +0.094% | 53 | |
23 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,397 | +0.292% | 454 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,567 | +0.365% | 386 | |
25 | Home Federal Bank of Tennessee | Strong | Acceptable | Strong | Exceptional | $3,809 | -0.358% | 336 | |
26 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,311 | +0.334% | 293 | |
27 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,262 | +0.099% | 270 | |
28 | Y-12 Federal Credit Union | Strong | Acceptable | Strong | Exceptional | $2,890 | -0.021% | 183 | |
29 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $4,027 | +0.240% | 81 | |
30 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $5,504 | +0.386% | 79 | |
31 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,072 | +0.169% | 67 | |
32 | Commercial Bank | Strong | Sound | Sound | Strong | $1,014 | -0.352% | 56 | |
33 | SmartBank | Strong | Sound | Sound | Strong | $1,234 | +0.077% | 49 | |
34 | ORNL | Strong | Acceptable | Sound | Exceptional | $4,195 | -0.066% | 419 | |
35 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,135 | +0.751% | 242 | |
36 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $4,257 | +0.295% | 206 | |
37 | KNOXVILLE TVA EMPLOYEES CREDIT UNION | Strong | Acceptable | Strong | Strong | $3,151 | +0.208% | 159 | |
38 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,328 | +0.060% | 104 | |
39 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,922 | +0.556% | 99 | |
40 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,574 | +0.597% | 98 | |
41 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $3,889 | +0.585% | 93 | |
42 | Gateway First Bank | Strong | Acceptable | Strong | Strong | $3,150 | +0.491% | 89 | |
43 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,773 | +0.356% | 70 | |
44 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $5,291 | +0.549% | 57 | |
45 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Sound | $1,421 | +0.341% | 53 | |
46 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,320 | -0.192% | 52 | |
47 | Community Trust Bank, Inc. | Strong | Acceptable | Strong | Strong | $753 | +0.181% | 50 | |
48 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $5,885 | +0.033% | 30 | |
49 | Renasant Bank | Strong | Acceptable | Exceptional | Sound | $2,297 | +0.237% | 29 | |
50 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,227 | +0.276% | 144 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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