Safe Rate Rankings

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