# Best FHA Mortgage Lenders in Johnson City, TN

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

Compare the top FHA 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/fha-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 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 61 | 79 | 61 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 52 | 81 | 128 | Independent Mortgage Company |
| 3 | Bank of Tennessee | 80 | 75 | 62 | 58 | Bank |
| 4 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 197 | Independent Mortgage Company |
| 5 | MORTGAGE INVESTORS GROUP, INC. | 79 | 57 | 78 | 74 | Independent Mortgage Company |
| 6 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 26 | Independent Mortgage Company |
| 7 | MOVEMENT MORTGAGE, LLC | 75 | 30 | 79 | 220 | Independent Mortgage Company |
| 8 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 29 | Independent Mortgage Company |
| 9 | LOANDEPOT.COM, LLC | 73 | 59 | 68 | 19 | Independent Mortgage Company |
| 10 | Sierra Pacific Mortgage Company, Inc. | 71 | 33 | 75 | 65 | Independent Mortgage Company |
| 11 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 38 | 79 | 53 | Independent Mortgage Company |
| 12 | Regions Bank | 68 | 60 | 59 | 30 | Bank |
| 13 | GUARANTEED RATE, INC. | 66 | 38 | 68 | 14 | Independent Mortgage Company |
| 14 | GVC MORTGAGE, INC. | 63 | 17 | 84 | 45 | Independent Mortgage Company |
| 15 | ROSS MORTGAGE CORPORATION | 63 | 27 | 71 | 31 | Independent Mortgage Company |
| 16 | ALAMEDA MORTGAGE CORPORATION | 59 | 18 | 81 | 32 | Independent Mortgage Company |
| 17 | EVERETT FINANCIAL, INC. | 59 | 9 | 80 | 14 | Independent Mortgage Company |
| 18 | NATIONSTAR MORTGAGE LLC | 56 | 13 | 63 | 17 | Independent Mortgage Company |
| 19 | SECURITYNATIONAL MORTGAGE COMPANY | 56 | 12 | 77 | 12 | Independent Mortgage Company |
| 20 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 57 | 16 | 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.