Safe Rate Rankings

Best Conventional Mortgage Lenders in Johnson City

Updated May 20, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders42

Total Loans1,955

Median Rate Spread0.31%

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

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.