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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 Conventional 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,016	-0.433%	19
2	EASTMAN CREDIT UNION	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,475	+0.525%	603
3	Truist Bank	Exceptional	Strong	Exceptional	Strong	Sound	$2,156	+0.550%	21
4	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,681	+0.158%	18
5	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,976	+0.382%	343
6	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$2,673	+0.405%	98
7	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,678	+0.227%	20
8	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,887	+0.115%	200
9	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Sound	$3,466	+0.316%	39
10	First Horizon Bank	Strong	Sound	Exceptional	Strong	Sound	$1,409	+0.079%	30
11	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Sound	$1,985	+0.142%	14
12	CONSUMER Credit Union	Strong	Strong	Sound	Strong	Sound	$2,538	-1.169%	11
13	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,319	+0.460%	182
14	GVC MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$4,525	+0.513%	92
15	MORTGAGE INVESTORS GROUP, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,378	+0.292%	92
16	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$3,619	+0.714%	70
17	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Sound	$1,438	-0.216%	34
18	DELMAR FINANCIAL COMPANY	Strong	Sound	Strong	Strong	Sound	$3,133	+0.558%	22
19	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$4,642	+0.602%	49
20	Regions Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,070	+0.673%	33
21	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$4,743	+0.388%	29
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,078	+0.388%	29
23	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$2,996	+0.403%	26
24	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,692	+0.734%	26
25	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,117	+0.612%	23
26	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,527	+0.506%	20
27	Renasant Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,856	+0.301%	19
28	LEADERONE FINANCIAL CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$5,230	+0.710%	18
29	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,382	+0.351%	14
30	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,142	+0.170%	13
31	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$2,195	+0.714%	106
32	ROSS MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$3,915	+0.603%	48
33	KNOXVILLE TVA EMPLOYEES CREDIT UNION	Strong	Acceptable	Strong	Strong	Sound	$2,677	+0.294%	20
34	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Sound	$1,366	+0.424%	12
35	FIRST BANCORP, INC.	Sound	Mediocre	Strong	Strong	Strong	$2,350	+0.639%	78
36	EVERETT FINANCIAL, INC.	Sound	Mediocre	Exceptional	Strong	Sound	$3,608	+0.693%	39
37	AMERICAN PACIFIC MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Strong	Sound	$4,684	+0.783%	25
38	ALAMEDA MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Strong	Sound	$3,369	+0.456%	15
39	CORNERSTONE CAPITAL BANK, SSB	Sound	Mediocre	Exceptional	Strong	Sound	$4,862	+0.716%	12
40	Bank of Tennessee	Sound	Acceptable	Sound	Sound	Sound	$2,358	+0.394%	25
41	FIRST INTEGRITY MORTGAGE SERVICES, INC.	Sound	Acceptable	Sound	Sound	Sound	$1,528	+0.677%	25
42	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Strong	Acceptable	Sound	$3,819	+0.347%	18
43	Blue Ridge Bank, National Association	Sound	Acceptable	Sound	Sound	Sound	$2,175	+0.328%	12
44	SECURITYNATIONAL MORTGAGE COMPANY	Sound	Mediocre	Strong	Sound	Sound	$3,982	+0.900%	12
45	AMERISAVE MORTGAGE CORPORATION	Sound	Mediocre	Strong	Acceptable	Sound	$4,496	+0.596%	14
46	New Peoples Bank, Inc.	Acceptable	Mediocre	Acceptable	Acceptable	Sound	$3,425	+0.242%	11

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.

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