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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 Conventional Mortgage Lenders in Morristown
Updated February 6, 2026
Market Overview
33
Total Lenders
1,099
Total Loans
0.28%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $354 | -0.280% | 11 | |
2 | CONSUMER Credit Union | Exceptional | Strong | Sound | Strong | Exceptional | $2,348 | -1.033% | 38 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,285 | +0.425% | 137 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,166 | +0.091% | 92 | |
5 | FirstBank | Strong | Sound | Exceptional | Strong | Strong | $2,849 | +0.078% | 28 | |
6 | EASTMAN CREDIT UNION | Strong | Sound | Exceptional | Strong | Strong | $1,540 | +0.374% | 23 | |
7 | Truist Bank | Strong | Strong | Exceptional | Strong | Acceptable | $1,918 | +0.258% | 10 | |
8 | MORTGAGE INVESTORS GROUP, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,721 | +0.417% | 96 | |
9 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,109 | +0.456% | 72 | |
10 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,886 | +0.120% | 70 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $1,085 | +0.399% | 15 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,864 | +0.137% | 15 | |
13 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Sound | $1,022 | +0.212% | 11 | |
14 | KNOXVILLE TVA EMPLOYEES CREDIT UNION | Strong | Acceptable | Strong | Strong | Exceptional | $2,937 | +0.236% | 58 | |
15 | Commercial Bank | Strong | Sound | Sound | Strong | Strong | $944 | -0.406% | 17 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $3,653 | +0.028% | 16 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,746 | +0.511% | 16 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,317 | -0.010% | 16 | |
19 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,421 | +0.387% | 16 | |
20 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,210 | +0.647% | 13 | |
21 | ORNL | Strong | Acceptable | Strong | Sound | Strong | $4,437 | +0.098% | 33 | |
22 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,023 | +0.454% | 21 | |
23 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,800 | +0.432% | 20 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,202 | +0.599% | 10 | |
25 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,500 | +0.746% | 19 | |
26 | AMERICAN FINANCIAL RESOURCES, INC. | Sound | Acceptable | Strong | Sound | Sound | $4,635 | +0.761% | 15 | |
27 | Farm Credit Mid-America, ACA | Sound | Mediocre | Strong | Sound | Sound | $6,071 | +0.550% | 19 |
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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Morristown, TNConventional
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