Safe Rate Rankings

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