# Best VA Mortgage Lenders in Knoxville, TN

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

Compare the top VA 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/va-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 | MORTGAGE INVESTORS GROUP, INC. | 95 | 62 | 81 | 1,596 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 909 | Independent Mortgage Company |
| 3 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 186 | Independent Mortgage Company |
| 4 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 127 | Independent Mortgage Company |
| 5 | AMERICAN FINANCIAL NETWORK, INC. | 85 | 75 | 63 | 99 | Independent Mortgage Company |
| 6 | FirstBank | 85 | 66 | 82 | 90 | Bank |
| 7 | MOVEMENT MORTGAGE, LLC | 83 | 45 | 81 | 454 | Independent Mortgage Company |
| 8 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 293 | Independent Mortgage Company |
| 9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 83 | 56 | 81 | 116 | Independent Mortgage Company |
| 10 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 104 | Credit Union |
| 11 | FIRST COLONY MORTGAGE CORPORATION | 83 | 64 | 81 | 53 | Independent Mortgage Company |
| 12 | Pinnacle Bank | 80 | 70 | 64 | 134 | Bank |
| 13 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 1,012 | Independent Mortgage Company |
| 14 | NEWREZ LLC | 79 | 47 | 63 | 144 | Independent Mortgage Company |
| 15 | Gateway First Bank | 79 | 42 | 78 | 89 | Bank |
| 16 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 89 | Independent Mortgage Company |
| 17 | GUARANTEED RATE, INC. | 79 | 79 | 70 | 67 | Independent Mortgage Company |
| 18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 33 | 83 | 386 | Independent Mortgage Company |
| 19 | FIRST COMMUNITY MORTGAGE, INC. | 75 | 39 | 83 | 270 | Independent Mortgage Company |
| 20 | United Community Bank | 74 | 71 | 70 | 51 | Bank |
| 21 | THE LOAN STORE, INC. | 73 | 51 | 75 | 76 | Independent Mortgage Company |
| 22 | USAA Federal Savings Bank | 73 | 62 | 58 | 52 | Bank |
| 23 | Mortgage Research Center, LLC | 71 | 34 | 61 | 242 | Independent Mortgage Company |
| 24 | STOCKTON MORTGAGE CORPORATION | 71 | 22 | 65 | 206 | Independent Mortgage Company |
| 25 | NATIONSTAR MORTGAGE LLC | 71 | 20 | 69 | 104 | Independent Mortgage Company |
| 26 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 98 | Independent Mortgage Company |
| 27 | UNION HOME MORTGAGE CORP. | 71 | 25 | 79 | 81 | Independent Mortgage Company |
| 28 | Countybank | 69 | 56 | 59 | 111 | Bank |
| 29 | Equity Prime Mortgage LLC | 62 | 20 | 57 | 50 | Independent Mortgage Company |
| 30 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 26 | 51 | 37 | Independent Mortgage Company |
| 31 | AMERICAN PACIFIC MORTGAGE CORPORATION | 60 | 10 | 79 | 163 | Independent Mortgage Company |
| 32 | AMERISAVE MORTGAGE CORPORATION | 58 | 21 | 42 | 32 | Independent Mortgage Company |
| 33 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 58 | 90 | Independent Mortgage Company |
| 34 | CANOPY MORTGAGE, LLC | 56 | 13 | 74 | 40 | Independent Mortgage Company |
| 35 | NEW DAY FINANCIAL, LLC | 52 | 2 | 49 | 29 | 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.