# Best Jumbo Mortgage Lenders in Knoxville, TN

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

Compare the top Jumbo 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/jumbo-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 | U.S. Bank National Association | 89 | 88 | 76 | 86 | Bank |
| 2 | Truist Bank | 85 | 76 | 71 | 123 | Bank |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 909 | Independent Mortgage Company |
| 4 | Wells Fargo Bank, National Association | 83 | 87 | 63 | 58 | Bank |
| 5 | Bank of America, National Association | 83 | 90 | 80 | 46 | Bank |
| 6 | MOVEMENT MORTGAGE, LLC | 79 | 41 | 68 | 454 | Independent Mortgage Company |
| 7 | Regions Bank | 79 | 48 | 68 | 180 | Bank |
| 8 | JPMorgan Chase Bank, National Association | 79 | 49 | 64 | 100 | Bank |
| 9 | FirstBank | 79 | 41 | 75 | 90 | Bank |
| 10 | Fifth Third Bank, National Association | 79 | 74 | 70 | 37 | Bank |
| 11 | SmartBank | 74 | 58 | 73 | 49 | Bank |
| 12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 30 | 63 | 386 | Independent Mortgage Company |
| 13 | Home Federal Bank of Tennessee | 71 | 38 | 70 | 336 | Bank |
| 14 | First Horizon Bank | 71 | 36 | 72 | 139 | Bank |
| 15 | Commercial Bank | 64 | 46 | 57 | 56 | Bank |
| 16 | ORNL | 60 | 8 | 68 | 419 | Credit Union |
| 17 | Pinnacle Bank | 57 | 6 | 71 | 134 | Bank |

## 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.