# Best Mortgage Lenders in Kingsport

**As of:** 2026-05-22

Compare the top mortgage lenders in Kingsport. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/kingsport/best-mortgage-lenders


> **📋 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:** 55
- **Total Loans:** 2,929
- **Median Rate Spread:** 0.38961111111111113%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 200 | Independent Mortgage Company |
| 2 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 98 | Independent Mortgage Company |
| 3 | MORTGAGE INVESTORS GROUP, INC. | 78 | 43 | 80 | 92 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 343 | Independent Mortgage Company |
| 5 | Truist Bank | 73 | 70 | 68 | 21 | Bank |
| 6 | EASTMAN CREDIT UNION | 68 | 40 | 72 | 603 | Credit Union |
| 7 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 182 | Independent Mortgage Company |
| 8 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 68 | 26 | 87 | 70 | Independent Mortgage Company |
| 9 | LOANDEPOT.COM, LLC | 66 | 48 | 76 | 39 | Independent Mortgage Company |
| 10 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 35 | Independent Mortgage Company |
| 11 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 34 | Independent Mortgage Company |
| 12 | Regions Bank | 66 | 41 | 64 | 33 | Bank |
| 13 | First Horizon Bank | 66 | 49 | 68 | 30 | Bank |
| 14 | DELMAR FINANCIAL COMPANY | 66 | 45 | 72 | 22 | Independent Mortgage Company |
| 15 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 20 | Bank |
| 16 | Mortgage Research Center, LLC | 63 | 34 | 70 | 106 | Independent Mortgage Company |
| 17 | ROSS MORTGAGE CORPORATION | 63 | 29 | 68 | 48 | Independent Mortgage Company |
| 18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 29 | Independent Mortgage Company |
| 19 | UNION HOME MORTGAGE CORP. | 62 | 22 | 83 | 26 | Independent Mortgage Company |
| 20 | CMG MORTGAGE, INC. | 62 | 33 | 81 | 20 | Independent Mortgage Company |
| 21 | Sierra Pacific Mortgage Company, Inc. | 58 | 32 | 80 | 49 | Independent Mortgage Company |
| 22 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 29 | Independent Mortgage Company |
| 23 | CROSSCOUNTRY MORTGAGE, LLC | 58 | 20 | 76 | 26 | Independent Mortgage Company |
| 24 | FIRST INTEGRITY MORTGAGE SERVICES, INC. | 58 | 33 | 63 | 25 | Independent Mortgage Company |
| 25 | STOCKTON MORTGAGE CORPORATION | 58 | 27 | 70 | 23 | Independent Mortgage Company |
| 26 | KNOXVILLE TVA EMPLOYEES CREDIT UNION | 58 | 39 | 63 | 20 | Credit Union |
| 27 | GVC MORTGAGE, INC. | 54 | 19 | 83 | 92 | Independent Mortgage Company |
| 28 | Bank of Tennessee | 52 | 39 | 52 | 25 | Bank |
| 29 | EVERETT FINANCIAL, INC. | 49 | 13 | 80 | 39 | Independent Mortgage Company |
| 30 | AMERICAN PACIFIC MORTGAGE CORPORATION | 49 | 14 | 84 | 25 | Independent Mortgage Company |
| 31 | FIRST BANCORP, INC. | 46 | 16 | 49 | 78 | Bank |

## 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 Kingsport.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.