Safe Rate Rankings

Best All Lender Mortgage Lenders in Morristown

Updated May 20, 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 Lenders33

Total Loans1,099

Median Rate Spread0.28%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,721Fees	0.417%Above	96
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,166Fees	0.091%Above	92
3	CONSUMER Credit UnionCredit Union	Strong	Strong	Sound	Exceptional	$2,348Fees	1.033%Below	38
4	FirstBankBank	Strong	Sound	Exceptional	Strong	$2,849Fees	0.078%Above	28
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,285Fees	0.425%Above	137
6	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,109Fees	0.456%Above	72
7	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,886Fees	0.120%Above	70
8	KNOXVILLE TVA EMPLOYEES CREDIT UNIONCredit Union	Strong	Acceptable	Strong	Exceptional	$2,937Fees	0.236%Above	58
9	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,410Fees	0.728%Above	25
10	EASTMAN CREDIT UNIONCredit Union	Strong	Acceptable	Strong	Strong	$1,540Fees	0.374%Above	23
11	ORNLCredit Union	Sound	Acceptable	Sound	Strong	$4,437Fees	0.098%Above	33
12	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,023Fees	0.454%Above	21
13	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$3,800Fees	0.432%Above	20

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.