Safe Rate Rankings

Best Conventional Mortgage Lenders in Kingsport

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 Lenders55

Total Loans2,929

Median Rate Spread0.39%

Kingsport Market Insights

Eastman Credit Union is Safe Rate's top-ranked Conventional lender in Kingsport, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Kingsport, Navy Federal Credit Union and Us Bank National Association 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 Kingsport, 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 Kingsport: Rocket Mortgage (#2) and Eastman Credit Union (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Kingsport

Need rankings for a different loan product?

FHA Loans VA Loans Jumbo Loans USDA Loans

By Institution Type

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

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

❓ Frequently Asked Questions

How are mortgage lenders ranked in Kingsport?+

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 Kingsport), 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 Kingsport?+

Based on 2024 HMDA data, 55 lenders originated a combined 2,929 loans in Kingsport. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Kingsport?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Kingsport is 0.39%. 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 Kingsport'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.