# Best FHA Mortgage Lenders in Knoxville, TN

**As of:** 2026-05-20

Compare the top FHA mortgage lenders in Knoxville, TN. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 909 | Independent Mortgage Company |
| 2 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 127 | Independent Mortgage Company |
| 3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 61 | 79 | 116 | Independent Mortgage Company |
| 4 | MORTGAGE INVESTORS GROUP, INC. | 83 | 57 | 78 | 1,596 | Independent Mortgage Company |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 83 | 59 | 83 | 82 | Independent Mortgage Company |
| 6 | Pinnacle Bank | 80 | 77 | 63 | 134 | Bank |
| 7 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 1,012 | Independent Mortgage Company |
| 8 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 186 | Independent Mortgage Company |
| 9 | FirstBank | 79 | 56 | 78 | 90 | Bank |
| 10 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 89 | Independent Mortgage Company |
| 11 | U.S. Bank National Association | 79 | 65 | 60 | 86 | Bank |
| 12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 386 | Independent Mortgage Company |
| 13 | FIRST COMMUNITY MORTGAGE, INC. | 75 | 33 | 84 | 270 | Independent Mortgage Company |
| 14 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 81 | Independent Mortgage Company |
| 15 | Countybank | 74 | 43 | 61 | 111 | Bank |
| 16 | Regions Bank | 73 | 60 | 59 | 180 | Bank |
| 17 | NEWREZ LLC | 73 | 52 | 56 | 144 | Independent Mortgage Company |
| 18 | THE LOAN STORE, INC. | 73 | 49 | 72 | 76 | Independent Mortgage Company |
| 19 | KIND LENDING, LLC | 73 | 55 | 71 | 30 | Independent Mortgage Company |
| 20 | GoodLeap, LLC | 73 | 62 | 58 | 30 | Independent Mortgage Company |
| 21 | Renasant Bank | 73 | 51 | 79 | 29 | Bank |
| 22 | Flagstar Bank, N.A. | 73 | 58 | 71 | 27 | Bank |
| 23 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 454 | Independent Mortgage Company |
| 24 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 293 | Independent Mortgage Company |
| 25 | STOCKTON MORTGAGE CORPORATION | 71 | 28 | 67 | 206 | Independent Mortgage Company |
| 26 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 25 | 69 | 99 | Independent Mortgage Company |
| 27 | LOWER, LLC | 71 | 29 | 66 | 93 | Independent Mortgage Company |
| 28 | Gateway First Bank | 71 | 35 | 77 | 89 | Bank |
| 29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 38 | 79 | 79 | Independent Mortgage Company |
| 30 | NFM, INC. | 70 | 40 | 83 | 57 | Independent Mortgage Company |
| 31 | Mortgage Research Center, LLC | 66 | 34 | 54 | 242 | Independent Mortgage Company |
| 32 | GUARANTEED RATE, INC. | 66 | 38 | 68 | 67 | Independent Mortgage Company |
| 33 | Sierra Pacific Mortgage Company, Inc. | 66 | 33 | 75 | 53 | Independent Mortgage Company |
| 34 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 50 | Independent Mortgage Company |
| 35 | AMERICAN FINANCIAL RESOURCES, INC. | 66 | 21 | 61 | 46 | Independent Mortgage Company |
| 36 | CANOPY MORTGAGE, LLC | 66 | 21 | 70 | 40 | Independent Mortgage Company |
| 37 | PLAZA HOME MORTGAGE, INC. | 66 | 30 | 65 | 34 | Independent Mortgage Company |
| 38 | AMERICAN PACIFIC MORTGAGE CORPORATION | 63 | 10 | 81 | 163 | Independent Mortgage Company |
| 39 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 70 | Independent Mortgage Company |
| 40 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 37 | Independent Mortgage Company |
| 41 | AMERISAVE MORTGAGE CORPORATION | 62 | 23 | 45 | 32 | Independent Mortgage Company |
| 42 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 104 | Independent Mortgage Company |
| 43 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 98 | Independent Mortgage Company |
| 44 | RELIANCE FIRST CAPITAL, LLC | 59 | N/A | 91 | 52 | Independent Mortgage Company |
| 45 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 90 | Independent Mortgage Company |
| 46 | CHURCHILL MORTGAGE CORPORATION | 56 | 20 | 65 | 41 | Independent Mortgage Company |
| 47 | Wolfe Financial, Inc | 53 | 13 | 68 | 35 | Independent Mortgage Company |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.