# Best Conventional Mortgage Lenders in Johnson City, TN

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

Compare the top Conventional mortgage lenders in Johnson City, TN. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/johnson-city-tn/best-mortgage-lenders/conventional-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:** 42
- **Total Loans:** 1,955
- **Median Rate Spread:** 0.3102380952380952%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | EASTMAN CREDIT UNION | 83 | 40 | 72 | 376 | Credit Union |
| 2 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 197 | Independent Mortgage Company |
| 3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 40 | 74 | 61 | Independent Mortgage Company |
| 4 | Truist Bank | 79 | 71 | 69 | 13 | Bank |
| 5 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 30 | Credit Union |
| 6 | MOVEMENT MORTGAGE, LLC | 75 | 34 | 77 | 220 | Independent Mortgage Company |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 128 | Independent Mortgage Company |
| 8 | First Horizon Bank | 73 | 57 | 65 | 21 | Bank |
| 9 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 19 | Independent Mortgage Company |
| 10 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 14 | Bank |
| 11 | MORTGAGE INVESTORS GROUP, INC. | 71 | 38 | 74 | 74 | Independent Mortgage Company |
| 12 | Sierra Pacific Mortgage Company, Inc. | 71 | 33 | 70 | 65 | Independent Mortgage Company |
| 13 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 20 | 78 | 53 | Independent Mortgage Company |
| 14 | GVC MORTGAGE, INC. | 71 | 21 | 76 | 45 | Independent Mortgage Company |
| 15 | STATE EMPLOYEES' | 71 | 71 | 73 | 10 | Credit Union |
| 16 | DELMAR FINANCIAL COMPANY | 69 | 48 | 60 | 14 | Independent Mortgage Company |
| 17 | CONSUMER Credit Union | 69 | 76 | 70 | 13 | Credit Union |
| 18 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 29 | Independent Mortgage Company |
| 19 | Regions Bank | 66 | 39 | 64 | 30 | Bank |
| 20 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 17 | Independent Mortgage Company |
| 21 | KIND LENDING, LLC | 66 | 31 | 66 | 15 | Independent Mortgage Company |
| 22 | CMG MORTGAGE, INC. | 66 | 34 | 73 | 14 | Independent Mortgage Company |
| 23 | GUARANTEED RATE, INC. | 66 | 39 | 65 | 14 | Independent Mortgage Company |
| 24 | LOWER, LLC | 66 | 33 | 66 | 14 | Independent Mortgage Company |
| 25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 66 | 25 | 78 | 12 | Independent Mortgage Company |
| 26 | LEADERONE FINANCIAL CORPORATION | 66 | 24 | 66 | 10 | Independent Mortgage Company |
| 27 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 16 | Independent Mortgage Company |
| 28 | GUILD MORTGAGE COMPANY LLC | 60 | 25 | 77 | 10 | Independent Mortgage Company |
| 29 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 21 | 74 | 10 | Independent Mortgage Company |
| 30 | Bank of Tennessee | 58 | 31 | 56 | 58 | Bank |
| 31 | ROSS MORTGAGE CORPORATION | 58 | 31 | 59 | 31 | Independent Mortgage Company |
| 32 | USAA Federal Savings Bank | 58 | 53 | 27 | 21 | Bank |
| 33 | ALAMEDA MORTGAGE CORPORATION | 56 | 16 | 73 | 32 | Independent Mortgage Company |
| 34 | AMERICAN PACIFIC MORTGAGE CORPORATION | 56 | 15 | 75 | 16 | Independent Mortgage Company |
| 35 | EVERETT FINANCIAL, INC. | 56 | 13 | 71 | 14 | Independent Mortgage Company |
| 36 | FIRST BANCORP, INC. | 53 | 16 | 62 | 13 | Bank |
| 37 | Northeast Community Credit Union | 50 | N/A | 86 | 28 | Credit Union |
| 38 | Farm Credit Mid-America, ACA | 49 | 6 | 52 | 17 | 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 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. **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.