🛡️

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 Mortgage Lenders in Kingsport

Updated February 5, 2026

Market Overview

Total Lenders

2,929

Total Loans

0.39%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Strong	$2,887	+0.115%	200
2	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	$2,673	+0.405%	98
3	MORTGAGE INVESTORS GROUP, INC.	Strong	Sound	Exceptional	Strong	$2,378	+0.292%	92
4	Truist Bank	Strong	Strong	Strong	Sound	$2,156	+0.550%	21
5	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$3,976	+0.382%	343
6	Wells Fargo Bank, National Association	Strong	Strong	Sound	Sound	$2,678	+0.227%	20
7	EASTMAN CREDIT UNION	Strong	Acceptable	Strong	Exceptional	$1,475	+0.525%	603
8	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$2,319	+0.460%	182
9	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	$3,619	+0.714%	70
10	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Sound	$3,466	+0.316%	39
11	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	$3,292	+0.382%	35
12	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Sound	$1,438	-0.216%	34
13	Regions Bank	Strong	Sound	Strong	Sound	$1,070	+0.673%	33
14	First Horizon Bank	Strong	Sound	Strong	Sound	$1,409	+0.079%	30
15	DELMAR FINANCIAL COMPANY	Strong	Sound	Strong	Sound	$3,133	+0.558%	22
16	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$2,195	+0.714%	106
17	ROSS MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	$3,915	+0.603%	48
18	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	$2,078	+0.388%	29
19	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Sound	$2,996	+0.403%	26
20	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	$3,527	+0.506%	20
21	GVC MORTGAGE, INC.	Sound	Mediocre	Exceptional	Strong	$4,525	+0.513%	92
22	Sierra Pacific Mortgage Company, Inc.	Sound	Acceptable	Strong	Sound	$4,642	+0.602%	49
23	NATIONSTAR MORTGAGE LLC	Sound	Acceptable	Strong	Sound	$4,743	+0.388%	29
24	CROSSCOUNTRY MORTGAGE, LLC	Sound	Acceptable	Strong	Sound	$3,692	+0.734%	26
25	FIRST INTEGRITY MORTGAGE SERVICES, INC.	Sound	Acceptable	Strong	Sound	$1,528	+0.677%	25
26	STOCKTON MORTGAGE CORPORATION	Sound	Acceptable	Strong	Sound	$2,117	+0.612%	23
27	KNOXVILLE TVA EMPLOYEES CREDIT UNION	Sound	Acceptable	Strong	Sound	$2,677	+0.294%	20
28	EVERETT FINANCIAL, INC.	Sound	Mediocre	Exceptional	Sound	$3,608	+0.693%	39
29	Bank of Tennessee	Sound	Acceptable	Sound	Sound	$2,358	+0.394%	25
30	AMERICAN PACIFIC MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Sound	$4,684	+0.783%	25
31	FIRST BANCORP, INC.	Sound	Mediocre	Sound	Strong	$2,350	+0.639%	78

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.

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

Kingsport

No credit impact

3-minute process

100% free