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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 Conventional Mortgage Lenders in Johnson City
Updated February 5, 2026
Market Overview
42
Total Lenders
1,955
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,119 | -0.590% | 30 | |
2 | EASTMAN CREDIT UNION | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,737 | +0.466% | 376 | |
3 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,337 | +0.054% | 13 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,053 | +0.359% | 197 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,810 | +0.240% | 61 | |
6 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,721 | +0.157% | 14 | |
7 | STATE EMPLOYEES' | Strong | Strong | Exceptional | Strong | Acceptable | $1,900 | -0.572% | 10 | |
8 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,983 | +0.401% | 220 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,561 | +0.161% | 128 | |
10 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Sound | $1,159 | +0.172% | 21 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,423 | +0.550% | 19 | |
12 | CONSUMER Credit Union | Strong | Strong | Sound | Strong | Sound | $2,289 | -1.052% | 13 | |
13 | MORTGAGE INVESTORS GROUP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,809 | +0.208% | 74 | |
14 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $5,116 | +0.425% | 65 | |
15 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,834 | +0.339% | 53 | |
16 | GVC MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,436 | +0.400% | 45 | |
17 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,683 | -0.047% | 29 | |
18 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Sound | $4,189 | +0.438% | 14 | |
19 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Sound | $1,321 | +0.512% | 30 | |
20 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,135 | +0.273% | 17 | |
21 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,042 | +0.157% | 15 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,258 | +0.291% | 14 | |
23 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,630 | +0.728% | 14 | |
24 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,150 | +0.162% | 14 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,279 | +0.000% | 12 | |
26 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $5,054 | +0.500% | 10 | |
27 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,526 | -0.171% | 21 | |
28 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,382 | +0.858% | 16 | |
29 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,877 | +0.669% | 10 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,952 | +0.854% | 10 | |
31 | Bank of Tennessee | Sound | Acceptable | Sound | Sound | Strong | $2,213 | +0.346% | 58 | |
32 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $2,834 | +0.664% | 32 | |
33 | ROSS MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | Sound | $3,006 | +0.300% | 31 | |
34 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $4,843 | +0.444% | 16 | |
35 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $2,865 | +0.752% | 14 | |
36 | FIRST BANCORP, INC. | Sound | Mediocre | Strong | Strong | Sound | $1,796 | +0.800% | 13 | |
37 | Farm Credit Mid-America, ACA | Sound | Mediocre | Strong | Sound | Sound | $6,821 | +0.629% | 17 |
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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Johnson City, TNConventional
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