🛡️
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 FHA 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 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,810 | +0.240% | 61 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,561 | +0.161% | 128 | |
3 | Bank of Tennessee | Exceptional | Strong | Strong | Strong | Strong | $2,213 | +0.346% | 58 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $1,363 | +0.248% | 26 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,053 | +0.359% | 197 | |
6 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,809 | +0.208% | 74 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,683 | -0.047% | 29 | |
8 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,983 | +0.401% | 220 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,423 | +0.550% | 19 | |
10 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $5,116 | +0.425% | 65 | |
11 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,834 | +0.339% | 53 | |
12 | Regions Bank | Strong | Sound | Exceptional | Sound | Sound | $1,321 | +0.512% | 30 | |
13 | GVC MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,436 | +0.400% | 45 | |
14 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,150 | +0.162% | 14 | |
15 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $2,834 | +0.664% | 32 | |
16 | ROSS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $3,006 | +0.300% | 31 | |
17 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $2,865 | +0.752% | 14 | |
18 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,135 | +0.273% | 17 | |
19 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Exceptional | Strong | Sound | $4,773 | +0.650% | 12 | |
20 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,382 | +0.858% | 16 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Johnson City, TNFHA
No credit impact
3-minute process
100% free