Safe Rate Rankings

Best All Lender Mortgage Lenders in Kingsport

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders55

Total Loans2,929

Median Rate Spread0.39%

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