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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best VA Mortgage Lenders in Knoxville
Updated February 5, 2026
Market Overview
130
Total Lenders
12,347
Total Loans
0.27%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | MORTGAGE INVESTORS GROUP, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,609 | +0.217% | 1,596 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,323 | +0.163% | 909 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $782 | -0.468% | 104 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,594 | +0.024% | 186 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,147 | +0.277% | 127 | |
6 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,922 | +0.556% | 99 | |
7 | FirstBank | Exceptional | Strong | Strong | Exceptional | Strong | $2,009 | +0.132% | 90 | |
8 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Sound | $3,260 | +0.094% | 53 | |
9 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,397 | +0.292% | 454 | |
10 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,311 | +0.334% | 293 | |
11 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Strong | $2,491 | +0.050% | 134 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,688 | +0.322% | 116 | |
13 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $2,072 | +0.169% | 67 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,248 | +0.289% | 1,012 | |
15 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,227 | +0.276% | 144 | |
16 | Gateway First Bank | Strong | Sound | Exceptional | Strong | Strong | $3,150 | +0.491% | 89 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,577 | +0.431% | 89 | |
18 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $2,320 | -0.192% | 52 | |
19 | United Community Bank | Strong | Strong | Strong | Strong | Sound | $1,960 | +0.299% | 51 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,567 | +0.365% | 386 | |
21 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,262 | +0.099% | 270 | |
22 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,450 | +0.337% | 76 | |
23 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,135 | +0.751% | 242 | |
24 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,257 | +0.295% | 206 | |
25 | Countybank | Strong | Sound | Strong | Sound | Strong | $1,092 | +0.198% | 111 | |
26 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,328 | +0.060% | 104 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,574 | +0.597% | 98 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $4,027 | +0.240% | 81 | |
29 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,291 | +0.287% | 163 | |
30 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,609 | +0.524% | 50 | |
31 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,446 | +0.182% | 37 | |
32 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,176 | +0.543% | 90 | |
33 | CANOPY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,682 | +0.443% | 40 | |
34 | AMERISAVE MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | Sound | $5,695 | +0.737% | 32 | |
35 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $5,893 | +0.993% | 29 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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