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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 FHA Mortgage Lenders in Kingsport
Updated February 5, 2026
Market Overview
55
Total Lenders
2,929
Total Loans
0.39%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,673 | +0.405% | 98 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,887 | +0.115% | 200 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $3,292 | +0.382% | 35 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,976 | +0.382% | 343 | |
5 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,378 | +0.292% | 92 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,438 | -0.216% | 34 | |
7 | Bank of Tennessee | Strong | Strong | Strong | Strong | Sound | $2,358 | +0.394% | 25 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,466 | +0.316% | 39 | |
9 | Truist Bank | Strong | Strong | Strong | Sound | Sound | $2,156 | +0.550% | 21 | |
10 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,319 | +0.460% | 182 | |
11 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,619 | +0.714% | 70 | |
12 | Regions Bank | Strong | Sound | Exceptional | Sound | Sound | $1,070 | +0.673% | 33 | |
13 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,996 | +0.403% | 26 | |
14 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Sound | $3,133 | +0.558% | 22 | |
15 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,091 | +0.436% | 15 | |
16 | GVC MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,525 | +0.513% | 92 | |
17 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,642 | +0.602% | 49 | |
18 | ROSS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,915 | +0.603% | 48 | |
19 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,117 | +0.612% | 23 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,527 | +0.506% | 20 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,382 | +0.351% | 14 | |
22 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,608 | +0.693% | 39 | |
23 | FIRST INTEGRITY MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Sound | $1,528 | +0.677% | 25 | |
24 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,684 | +0.783% | 25 | |
25 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,819 | +0.347% | 18 | |
26 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $4,496 | +0.596% | 14 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $414 | +0.092% | 11 | |
28 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,743 | +0.388% | 29 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,692 | +0.734% | 26 | |
30 | LEADERONE FINANCIAL CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $5,230 | +0.710% | 18 | |
31 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Exceptional | Strong | Sound | $3,982 | +0.900% | 12 | |
32 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,605 | +0.370% | 16 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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