# Best Conventional Mortgage Lenders in Morristown, TN

**As of:** 2026-05-20

Compare the top Conventional mortgage lenders in Morristown, TN. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/morristown-tn/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 33
- **Total Loans:** 1,099
- **Median Rate Spread:** 0.2770625%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 137 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 92 | Independent Mortgage Company |
| 3 | CONSUMER Credit Union | 79 | 76 | 70 | 38 | Credit Union |
| 4 | FirstBank | 79 | 50 | 75 | 28 | Bank |
| 5 | EASTMAN CREDIT UNION | 79 | 40 | 72 | 23 | Credit Union |
| 6 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 11 | Credit Union |
| 7 | MORTGAGE INVESTORS GROUP, INC. | 75 | 38 | 74 | 96 | Independent Mortgage Company |
| 8 | UNION HOME MORTGAGE CORP. | 75 | 23 | 77 | 72 | Independent Mortgage Company |
| 9 | CMG MORTGAGE, INC. | 75 | 34 | 73 | 70 | Independent Mortgage Company |
| 10 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 15 | Independent Mortgage Company |
| 11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 73 | 40 | 74 | 15 | Independent Mortgage Company |
| 12 | First Horizon Bank | 73 | 57 | 65 | 11 | Bank |
| 13 | KNOXVILLE TVA EMPLOYEES CREDIT UNION | 71 | 39 | 71 | 58 | Credit Union |
| 14 | Truist Bank | 71 | 71 | 69 | 10 | Bank |
| 15 | Commercial Bank | 69 | 46 | 66 | 17 | Bank |
| 16 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 16 | Independent Mortgage Company |
| 17 | MOVEMENT MORTGAGE, LLC | 66 | 34 | 77 | 16 | Independent Mortgage Company |
| 18 | GUILD MORTGAGE COMPANY LLC | 66 | 25 | 77 | 16 | Independent Mortgage Company |
| 19 | Regions Bank | 66 | 39 | 64 | 16 | Bank |
| 20 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 13 | Independent Mortgage Company |
| 21 | ORNL | 63 | 35 | 57 | 33 | Credit Union |
| 22 | NEWREZ LLC | 62 | 31 | 58 | 21 | Independent Mortgage Company |
| 23 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 20 | Independent Mortgage Company |
| 24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 60 | 25 | 78 | 10 | Independent Mortgage Company |
| 25 | AMERICAN FINANCIAL RESOURCES, INC. | 58 | 29 | 51 | 15 | Independent Mortgage Company |
| 26 | EVERETT FINANCIAL, INC. | 56 | 13 | 71 | 19 | Independent Mortgage Company |
| 27 | Farm Credit Mid-America, ACA | 49 | 6 | 52 | 19 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Morristown, TN.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.