# Best Mortgage Lenders in Johnson City, TN

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

Compare the top mortgage lenders in Johnson City, TN. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/johnson-city-tn/best-mortgage-lenders


> **📋 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:** 42
- **Total Loans:** 1,955
- **Median Rate Spread:** 0.3102380952380952%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 128 | Independent Mortgage Company |
| 2 | MORTGAGE INVESTORS GROUP, INC. | 78 | 43 | 80 | 74 | Independent Mortgage Company |
| 3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 61 | Independent Mortgage Company |
| 4 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 220 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 197 | Independent Mortgage Company |
| 6 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 30 | Credit Union |
| 7 | EASTMAN CREDIT UNION | 68 | 40 | 72 | 376 | Credit Union |
| 8 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 68 | 26 | 87 | 53 | Independent Mortgage Company |
| 9 | Regions Bank | 66 | 41 | 64 | 30 | Bank |
| 10 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 29 | Independent Mortgage Company |
| 11 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 26 | Independent Mortgage Company |
| 12 | First Horizon Bank | 66 | 49 | 68 | 21 | Bank |
| 13 | Sierra Pacific Mortgage Company, Inc. | 63 | 32 | 80 | 65 | Independent Mortgage Company |
| 14 | Mortgage Research Center, LLC | 63 | 34 | 70 | 54 | Independent Mortgage Company |
| 15 | USAA Federal Savings Bank | 60 | 54 | 45 | 21 | Bank |
| 16 | Bank of Tennessee | 58 | 39 | 52 | 58 | Bank |
| 17 | ROSS MORTGAGE CORPORATION | 58 | 29 | 68 | 31 | Independent Mortgage Company |
| 18 | GVC MORTGAGE, INC. | 54 | 19 | 83 | 45 | Independent Mortgage Company |
| 19 | ALAMEDA MORTGAGE CORPORATION | 49 | 15 | 81 | 32 | Independent Mortgage Company |
| 20 | Northeast Community Credit Union | 40 | N/A | 34 | 28 | Credit Union |

## 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 Johnson City, 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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.