# Best VA Mortgage Lenders in Johnson City, TN

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

Compare the top VA 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/va-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 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 64 | 83 | 128 | Independent Mortgage Company |
| 2 | MOVEMENT MORTGAGE, LLC | 88 | 45 | 81 | 220 | Independent Mortgage Company |
| 3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 83 | 56 | 81 | 61 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 197 | Independent Mortgage Company |
| 5 | PENNYMAC LOAN SERVICES, LLC | 79 | 61 | 62 | 29 | Independent Mortgage Company |
| 6 | FREEDOM MORTGAGE CORPORATION | 79 | 61 | 63 | 26 | Independent Mortgage Company |
| 7 | NAVY FEDERAL CREDIT UNION | 77 | 91 | 59 | 30 | Credit Union |
| 8 | USAA Federal Savings Bank | 73 | 62 | 58 | 21 | Bank |
| 9 | Sierra Pacific Mortgage Company, Inc. | 71 | 38 | 77 | 65 | Independent Mortgage Company |
| 10 | Mortgage Research Center, LLC | 71 | 34 | 61 | 54 | Independent Mortgage Company |
| 11 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 22 | 79 | 53 | Independent Mortgage Company |
| 12 | ROSS MORTGAGE CORPORATION | 63 | 32 | 65 | 31 | Independent Mortgage Company |
| 13 | ALAMEDA MORTGAGE CORPORATION | 56 | 7 | 86 | 32 | 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.