# Best Bank Mortgage Lenders in Knoxville, TN

**As of:** 2026-06-01

Compare the top banks offering mortgages in Knoxville, TN. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/knoxville-tn/best-mortgage-lenders/banks


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 130
- **Total Loans:** 12,347
- **Median Rate Spread:** 0.270536%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Pinnacle Bank | 80 | 60 | 72 | 134 | Bank |
| 2 | Truist Bank | 80 | 70 | 68 | 123 | Bank |
| 3 | U.S. Bank National Association | 80 | 75 | 71 | 86 | Bank |
| 4 | FirstBank | 78 | 50 | 80 | 90 | Bank |
| 5 | Regions Bank | 73 | 41 | 64 | 180 | Bank |
| 6 | First Horizon Bank | 73 | 49 | 68 | 139 | Bank |
| 7 | Countybank | 73 | 56 | 69 | 111 | Bank |
| 8 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 100 | Bank |
| 9 | NexBank | 73 | 41 | 66 | 81 | Bank |
| 10 | Bank of America, National Association | 73 | 73 | 75 | 46 | Bank |
| 11 | Fifth Third Bank, National Association | 73 | 62 | 62 | 37 | Bank |
| 12 | Home Federal Bank of Tennessee | 68 | 38 | 70 | 336 | Bank |
| 13 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 58 | Bank |
| 14 | Commercial Bank | 66 | 46 | 57 | 56 | Bank |
| 15 | SmartBank | 66 | 58 | 46 | 49 | Bank |
| 16 | Gateway First Bank | 63 | 29 | 79 | 89 | Bank |
| 17 | Community Trust Bank, Inc. | 63 | 28 | 65 | 50 | Bank |
| 18 | Renasant Bank | 62 | 38 | 81 | 29 | Bank |
| 19 | USAA Federal Savings Bank | 60 | 54 | 45 | 52 | Bank |
| 20 | Flagstar Bank, N.A. | 58 | 40 | 76 | 27 | Bank |
| 21 | United Community Bank | 52 | 37 | 53 | 51 | Bank |
| 22 | SouthEast Bank | 36 | 12 | 29 | 27 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Knoxville, TN.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.