Safe Rate Rankings

Best Jumbo 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	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,291Fees	0.143%Above	86
2	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$2,394Fees	0.226%Above	58
3	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$2,360Fees	0.012%Above	46
4	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$20Fees	0.201%Above	123
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,323Fees	0.163%Above	909
6	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,505Fees	0.217%Above	37
7	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,397Fees	0.292%Above	454
8	Regions BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,691Fees	0.254%Above	180
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	SmartBankBank	Strong	Sound	Strong	Strong	Strong	$1,234Fees	0.077%Above	49
12	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,567Fees	0.365%Above	386
13	Home Federal Bank of TennesseeBank	Strong	Acceptable	Strong	Strong	Exceptional	$3,809Fees	0.358%Below	336
14	First Horizon BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,159Fees	0.127%Above	139
15	Commercial BankBank	Strong	Sound	—	Sound	Strong	$1,014Fees	0.352%Below	56
16	ORNLCredit Union	Strong	Mediocre	Strong	Strong	Exceptional	$4,195Fees	0.066%Below	419
17	Pinnacle BankBank	Sound	Mediocre	Strong	Strong	Strong	$2,491Fees	0.050%Above	134

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.