Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$354Fees	0.280%Below	11
2	CONSUMER Credit UnionCredit Union	Exceptional	Strong	Sound	Strong	Exceptional	$2,348Fees	1.033%Below	38
3	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,285Fees	0.425%Above	137
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,166Fees	0.091%Above	92
5	FirstBankBank	Strong	Sound	Exceptional	Strong	Strong	$2,849Fees	0.078%Above	28
6	EASTMAN CREDIT UNIONCredit Union	Strong	Sound	Exceptional	Strong	Strong	$1,540Fees	0.374%Above	23
7	Truist BankBank	Strong	Strong	Exceptional	Strong	Acceptable	$1,918Fees	0.258%Above	10
8	MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,721Fees	0.417%Above	96
9	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,109Fees	0.456%Above	72
10	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,886Fees	0.120%Above	70
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,864Fees	0.137%Above	15
12	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,085Fees	0.399%Above	15
13	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,022Fees	0.212%Above	11
14	KNOXVILLE TVA EMPLOYEES CREDIT UNIONCredit Union	Strong	Acceptable	Strong	Strong	Exceptional	$2,937Fees	0.236%Above	58
15	Commercial BankBank	Strong	Sound	Sound	Strong	Strong	$944Fees	0.406%Below	17
16	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$3,653Fees	0.028%Above	16
17	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,317Fees	0.010%Below	16
18	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,746Fees	0.511%Above	16
19	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,421Fees	0.387%Above	16
20	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,210Fees	0.647%Above	13
21	ORNLCredit Union	Strong	Acceptable	Strong	Sound	Strong	$4,437Fees	0.098%Above	33
22	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,023Fees	0.454%Above	21
23	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,800Fees	0.432%Above	20
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,202Fees	0.599%Above	10
25	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,500Fees	0.746%Above	19
26	AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$4,635Fees	0.761%Above	15
27	Farm Credit Mid-America, ACAIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$6,071Fees	0.550%Above	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)

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.