Safe Rate Rankings

Best All Lender Mortgage Lenders in Knoxville

Updated May 20, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ 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 Lenders130

Total Loans12,347

Median Rate Spread0.27%

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

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.