# Best FHA Mortgage Lenders in Kingsport

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

Compare the top FHA mortgage lenders in Kingsport. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 61 | 79 | 98 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 52 | 81 | 200 | Independent Mortgage Company |
| 3 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 343 | Independent Mortgage Company |
| 4 | MORTGAGE INVESTORS GROUP, INC. | 79 | 57 | 78 | 92 | Independent Mortgage Company |
| 5 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 35 | Independent Mortgage Company |
| 6 | Bank of Tennessee | 74 | 75 | 62 | 25 | Bank |
| 7 | LOANDEPOT.COM, LLC | 73 | 59 | 68 | 39 | Independent Mortgage Company |
| 8 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 34 | Independent Mortgage Company |
| 9 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 182 | Independent Mortgage Company |
| 10 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 38 | 79 | 70 | Independent Mortgage Company |
| 11 | UNION HOME MORTGAGE CORP. | 70 | 22 | 80 | 26 | Independent Mortgage Company |
| 12 | FIRST COMMUNITY MORTGAGE, INC. | 70 | 33 | 84 | 15 | Independent Mortgage Company |
| 13 | DELMAR FINANCIAL COMPANY | 69 | 41 | 73 | 22 | Independent Mortgage Company |
| 14 | Truist Bank | 69 | 75 | 53 | 21 | Bank |
| 15 | Regions Bank | 68 | 60 | 59 | 33 | Bank |
| 16 | ROSS MORTGAGE CORPORATION | 67 | 27 | 71 | 48 | Independent Mortgage Company |
| 17 | Sierra Pacific Mortgage Company, Inc. | 66 | 33 | 75 | 49 | Independent Mortgage Company |
| 18 | STOCKTON MORTGAGE CORPORATION | 66 | 28 | 67 | 23 | Independent Mortgage Company |
| 19 | CMG MORTGAGE, INC. | 66 | 32 | 79 | 20 | Independent Mortgage Company |
| 20 | GUILD MORTGAGE COMPANY LLC | 66 | 29 | 80 | 14 | Independent Mortgage Company |
| 21 | GVC MORTGAGE, INC. | 63 | 17 | 84 | 92 | Independent Mortgage Company |
| 22 | FIRST INTEGRITY MORTGAGE SERVICES, INC. | 63 | 34 | 67 | 25 | Independent Mortgage Company |
| 23 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 18 | Independent Mortgage Company |
| 24 | AMERISAVE MORTGAGE CORPORATION | 62 | 23 | 45 | 14 | Independent Mortgage Company |
| 25 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 11 | Independent Mortgage Company |
| 26 | EVERETT FINANCIAL, INC. | 59 | 9 | 80 | 39 | Independent Mortgage Company |
| 27 | AMERICAN PACIFIC MORTGAGE CORPORATION | 59 | 10 | 81 | 25 | Independent Mortgage Company |
| 28 | RELIANCE FIRST CAPITAL, LLC | 59 | N/A | 91 | 13 | Independent Mortgage Company |
| 29 | NATIONSTAR MORTGAGE LLC | 56 | 13 | 63 | 29 | Independent Mortgage Company |
| 30 | CROSSCOUNTRY MORTGAGE, LLC | 56 | 19 | 69 | 26 | Independent Mortgage Company |
| 31 | LEADERONE FINANCIAL CORPORATION | 56 | 19 | 72 | 18 | Independent Mortgage Company |
| 32 | SECURITYNATIONAL MORTGAGE COMPANY | 56 | 12 | 77 | 12 | Independent Mortgage Company |
| 33 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 57 | 16 | Independent Mortgage Company |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.