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

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