Safe Rate Rankings

Best All Lender 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$1,119Fees	0.590%Below	30
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,561Fees	0.161%Above	128
3	MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,809Fees	0.208%Above	74
4	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,810Fees	0.240%Above	61
5	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$1,983Fees	0.401%Above	220
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,053Fees	0.359%Above	197
7	EASTMAN CREDIT UNIONCredit Union	Strong	Acceptable	Strong	Exceptional	$1,737Fees	0.466%Above	376
8	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,834Fees	0.339%Above	53
9	Regions BankBank	Strong	Sound	Strong	Sound	$1,321Fees	0.512%Above	30
10	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,683Fees	0.047%Below	29
11	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,363Fees	0.248%Above	26
12	First Horizon BankBank	Strong	Sound	Strong	Sound	$1,159Fees	0.172%Above	21
13	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$5,116Fees	0.425%Above	65
14	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,276Fees	1.013%Above	54
15	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$1,526Fees	0.171%Below	21
16	Bank of TennesseeBank	Sound	Acceptable	Sound	Strong	$2,213Fees	0.346%Above	58
17	GVC MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$4,436Fees	0.400%Above	45
18	ROSS MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,006Fees	0.300%Above	31
19	ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$2,834Fees	0.664%Above	32

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.