Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$782Fees	0.468%Below	104
2	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$20Fees	0.201%Above	123
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,291Fees	0.143%Above	86
4	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,360Fees	0.012%Above	46
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,248Fees	0.289%Above	1,012
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,323Fees	0.163%Above	909
7	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,159Fees	0.127%Above	139
8	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,688Fees	0.322%Above	116
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,079Fees	0.078%Below	100
10	FirstBankBank	Strong	Sound	Exceptional	Strong	Strong	$2,009Fees	0.132%Above	90
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,577Fees	0.431%Above	89
12	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,976Fees	0.039%Below	82
13	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,394Fees	0.226%Above	58
14	Fifth Third Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,505Fees	0.217%Above	37
15	MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,609Fees	0.217%Above	1,596
16	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,594Fees	0.024%Above	186
17	Pinnacle BankBank	Strong	Sound	Strong	Strong	Strong	$2,491Fees	0.050%Above	134
18	CountybankBank	Strong	Sound	Strong	Strong	Strong	$1,092Fees	0.198%Above	111
19	NexBankBank	Strong	Sound	Strong	Strong	Strong	$2,445Fees	0.474%Above	81
20	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,773Fees	0.356%Above	70
21	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,178Fees	0.325%Above	34
22	EASTMAN CREDIT UNIONCredit Union	Strong	Sound	Exceptional	Strong	Sound	$2,435Fees	0.324%Above	33
23	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,397Fees	0.292%Above	454
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,567Fees	0.365%Above	386
25	Home Federal Bank of TennesseeBank	Strong	Acceptable	Strong	Strong	Exceptional	$3,809Fees	0.358%Below	336
26	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,311Fees	0.334%Above	293
27	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,262Fees	0.099%Above	270
28	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,257Fees	0.295%Above	206
29	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,691Fees	0.254%Above	180
30	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$3,147Fees	0.277%Above	127
31	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,328Fees	0.060%Above	104
32	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,922Fees	0.556%Above	99
33	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,574Fees	0.597%Above	98
34	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,889Fees	0.585%Above	93
35	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,150Fees	0.491%Above	89
36	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,027Fees	0.240%Above	81
37	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,504Fees	0.386%Above	79
38	Commercial BankBank	Strong	Sound	Sound	Strong	Strong	$1,014Fees	0.352%Below	56
39	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$1,421Fees	0.341%Above	53
40	ORNLCredit Union	Strong	Acceptable	Strong	Sound	Exceptional	$4,195Fees	0.066%Below	419
41	Y-12 Federal Credit UnionCredit Union	Strong	Acceptable	Sound	Strong	Exceptional	$2,890Fees	0.021%Below	183
42	KNOXVILLE TVA EMPLOYEES CREDIT UNIONCredit Union	Strong	Acceptable	Strong	Strong	Strong	$3,151Fees	0.208%Above	159
43	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,227Fees	0.276%Above	144
44	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,176Fees	0.543%Above	90
45	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,450Fees	0.337%Above	76
46	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,072Fees	0.169%Above	67
47	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,492Fees	0.448%Above	53
48	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,260Fees	0.094%Above	53
49	United Community BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,960Fees	0.299%Above	51
50	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,886Fees	0.461%Above	30

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.