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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 FHA 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	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,323	+0.163%	909
2	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$3,147	+0.277%	127
3	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$1,688	+0.322%	116
4	MORTGAGE INVESTORS GROUP, INC.	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,609	+0.217%	1,596
5	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$2,594	+0.024%	186
6	Pinnacle Bank	Exceptional	Strong	Strong	Strong	Strong	$2,491	+0.050%	134
7	U.S. Bank National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,291	+0.143%	86
8	VANDERBILT MORTGAGE AND FINANCE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,976	-0.039%	82
9	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,248	+0.289%	1,012
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	GoodLeap, LLC	Strong	Strong	Exceptional	Sound	Sound	$5,885	+0.033%	30
13	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,567	+0.365%	386
14	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,262	+0.099%	270
15	Regions Bank	Strong	Sound	Exceptional	Sound	Strong	$1,691	+0.254%	180
16	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,227	+0.276%	144
17	Countybank	Strong	Sound	Strong	Strong	Strong	$1,092	+0.198%	111
18	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,027	+0.240%	81
19	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Sound	$2,450	+0.337%	76
20	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Sound	$1,886	+0.461%	30
21	Renasant Bank	Strong	Sound	Exceptional	Strong	Sound	$2,297	+0.237%	29
22	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Sound	$2,649	+0.222%	27
23	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,397	+0.292%	454
24	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,311	+0.334%	293
25	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$4,257	+0.295%	206
26	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,922	+0.556%	99
27	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,889	+0.585%	93
28	Gateway First Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,150	+0.491%	89
29	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$5,504	+0.386%	79
30	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$5,291	+0.549%	57
31	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$1,135	+0.751%	242
32	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	Strong	$4,291	+0.287%	163
33	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,072	+0.169%	67
34	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$4,492	+0.448%	53
35	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Strong	Sound	$4,609	+0.524%	50
36	AMERICAN FINANCIAL RESOURCES, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,917	+0.618%	46
37	CANOPY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$4,682	+0.443%	40
38	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,178	+0.325%	34
39	NATIONSTAR MORTGAGE LLC	Strong	Mediocre	Exceptional	Strong	Strong	$4,328	+0.060%	104
40	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Strong	$4,574	+0.597%	98
41	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Sound	$1,773	+0.356%	70
42	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,446	+0.182%	37
43	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Sound	$5,695	+0.737%	32
44	NEW AMERICAN FUNDING, LLC	Sound	Mediocre	Exceptional	Sound	Strong	$4,176	+0.543%	90
45	CHURCHILL MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Strong	Sound	$3,907	+0.556%	41
46	Wolfe Financial, Inc	Sound	Mediocre	Strong	Strong	Sound	$5,257	+0.517%	35

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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