Safe Rate Rankings

Best Conventional Mortgage Lenders in Johnson City

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders42

Total Loans1,955

Median Rate Spread0.31%

Johnson City Market Insights

Eastman Credit Union is Safe Rate's top-ranked Conventional lender in Johnson City, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Johnson City, Navy Federal Credit Union and State Employees scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #3 in Johnson City, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Johnson City: Rocket Mortgage (#2) and Eastman Credit Union (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Johnson City

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	EASTMAN CREDIT UNION Credit UnionDirect	Strong	Sound	Exceptional	Strong	Exceptional	$1,737Fees	0.466%Above	376
2	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,053Fees	0.359%Above	197
3	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$2,561Fees	0.161%Above	128
4	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Sound	$1,119Fees	0.590%Below	30
5	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,983Fees	0.401%Above	220
6	STATE EMPLOYEES' Credit UnionDirect	Strong	Strong	Exceptional	Strong	Acceptable	$1,900Fees	0.572%Below	10
7	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,337Fees	0.054%Above	13
8	MORTGAGE INVESTORS GROUP, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,809Fees	0.208%Above	74
9	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,810Fees	0.240%Above	61
10	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$3,423Fees	0.550%Above	19
11	Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$5,116Fees	0.425%Above	65
12	First Horizon Bank BankDirect	Strong	Sound	Exceptional	Strong	Sound	$1,159Fees	0.172%Above	21
13	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$2,721Fees	0.157%Above	14
14	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$4,834Fees	0.339%Above	53
15	Regions Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Sound	$1,321Fees	0.512%Above	30
16	CONSUMER Credit Union Credit UnionDirect	Strong	Strong	Sound	Strong	Sound	$2,289Fees	1.052%Below	13
17	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Sound	$1,683Fees	0.047%Below	29
18	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,258Fees	0.291%Above	14
19	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,150Fees	0.162%Above	14
20	GVC MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,436Fees	0.400%Above	45
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,279Fees	0.000%Above	12
22	Northeast Community Credit Union Credit UnionDirect	Sound	—	Acceptable	Exceptional	Strong	$699Fees	0.248%Above	28
23	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Acceptable	$2,877Fees	0.669%Above	10
24	ALAMEDA MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$2,834Fees	0.664%Above	32
25	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$2,042Fees	0.157%Above	15
26	DELMAR FINANCIAL COMPANY Independent Mortgage CompanyDirect	Sound	Sound	Strong	Strong	Sound	$4,189Fees	0.438%Above	14
27	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$3,630Fees	0.728%Above	14
28	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Acceptable	$2,952Fees	0.854%Above	10
29	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$4,843Fees	0.444%Above	16
30	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$2,382Fees	0.858%Above	16
31	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$4,135Fees	0.273%Above	17
32	Bank of Tennessee BankDirect	Sound	Acceptable	Sound	Sound	Strong	$2,213Fees	0.346%Above	58
33	ROSS MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Sound	$3,006Fees	0.300%Above	31
34	EVERETT FINANCIAL, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$2,865Fees	0.752%Above	14
35	LEADERONE FINANCIAL CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$5,054Fees	0.500%Above	10
36	USAA Federal Savings Bank BankDirect	Sound	Sound	Strong	Acceptable	Sound	$1,526Fees	0.171%Below	21
37	FIRST BANCORP, INC. BankDirect	Sound	Mediocre	Strong	Strong	Sound	$1,796Fees	0.800%Above	13
38	Farm Credit Mid-America, ACA Independent Mortgage CompanyDirect & Wholesale	Sound	Mediocre*	Strong	Sound	Sound	$6,821Fees	0.629%Above	17

❓ Frequently Asked Questions

How are mortgage lenders ranked in Johnson City, TN?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Johnson City, TN), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Johnson City, TN?+

Based on 2024 HMDA data, 42 lenders originated a combined 1,955 loans in Johnson City, TN. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Johnson City, TN?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Johnson City, TN is 0.31%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Johnson City, TN's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.