# Best USDA Mortgage Lenders in Knoxville, TN

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

Compare the top USDA 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/usda-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 | 89 | 62 | 75 | 909 | Independent Mortgage Company |
| 2 | NEWREZ LLC | 85 | 65 | 69 | 144 | Independent Mortgage Company |
| 3 | MORTGAGE INVESTORS GROUP, INC. | 83 | 51 | 67 | 1,596 | Independent Mortgage Company |
| 4 | FIRST COMMUNITY MORTGAGE, INC. | 83 | 55 | 80 | 270 | Independent Mortgage Company |
| 5 | AMERICAN FINANCIAL NETWORK, INC. | 79 | 43 | 61 | 99 | Independent Mortgage Company |
| 6 | STOCKTON MORTGAGE CORPORATION | 71 | 23 | 70 | 206 | Independent Mortgage Company |
| 7 | Gateway First Bank | 71 | 32 | 72 | 89 | Bank |
| 8 | Sierra Pacific Mortgage Company, Inc. | 66 | 29 | 66 | 53 | Independent Mortgage Company |
| 9 | Equity Prime Mortgage LLC | 66 | 37 | 72 | 50 | Independent Mortgage Company |
| 10 | MOVEMENT MORTGAGE, LLC | 60 | 8 | 70 | 454 | Independent Mortgage Company |
| 11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 60 | 17 | 73 | 386 | Independent Mortgage Company |
| 12 | UNION HOME MORTGAGE CORP. | 60 | 15 | 68 | 81 | Independent Mortgage Company |
| 13 | AMERICAN FINANCIAL RESOURCES, INC. | 56 | 19 | 63 | 46 | 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.