Safe Rate Rankings

Best Bank Mortgage Lenders in Knoxville

Updated June 1, 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	Pinnacle BankBank	Strong	Strong	Strong	Strong	$2,491Fees	0.050%Above	134
2	Truist BankBank	Strong	Strong	Strong	Strong	$20Fees	0.201%Above	123
3	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$1,291Fees	0.143%Above	86
4	FirstBankBank	Strong	Sound	Exceptional	Strong	$2,009Fees	0.132%Above	90
5	Bank of America, National AssociationBank	Strong	Strong	Strong	Sound	$2,360Fees	0.012%Above	46
6	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Sound	$1,505Fees	0.217%Above	37
7	Regions BankBank	Strong	Sound	Strong	Strong	$1,691Fees	0.254%Above	180
8	First Horizon BankBank	Strong	Sound	Strong	Strong	$1,159Fees	0.127%Above	139
9	CountybankBank	Strong	Sound	Strong	Strong	$1,092Fees	0.198%Above	111
10	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,079Fees	0.078%Below	100
11	NexBankBank	Strong	Sound	Strong	Strong	$2,445Fees	0.474%Above	81
12	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,394Fees	0.226%Above	58
13	Home Federal Bank of TennesseeBank	Strong	Acceptable	Strong	Exceptional	$3,809Fees	0.358%Below	336
14	Commercial BankBank	Strong	Sound	Sound	Strong	$1,014Fees	0.352%Below	56
15	SmartBankBank	Strong	Sound	Sound	Strong	$1,234Fees	0.077%Above	49
16	Gateway First BankBank	Strong	Acceptable	Strong	Strong	$3,150Fees	0.491%Above	89
17	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$2,320Fees	0.192%Below	52
18	Community Trust Bank, Inc.Bank	Strong	Acceptable	Strong	Strong	$753Fees	0.181%Above	50
19	Renasant BankBank	Strong	Acceptable	Exceptional	Sound	$2,297Fees	0.237%Above	29
20	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$2,649Fees	0.222%Above	27
21	United Community BankBank	Sound	Acceptable	Sound	Sound	$1,960Fees	0.299%Above	51
22	SouthEast BankBank	Sound	Mediocre	Acceptable	Sound	$2,390Fees	1.610%Above	27

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.