Safe Rate Rankings

Best FHA 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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,166Fees	0.091%Above	92
2	MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,721Fees	0.417%Above	96
3	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$3,665Fees	0.408%Above	15
4	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$1,085Fees	0.399%Above	15
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,285Fees	0.425%Above	137
6	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,109Fees	0.456%Above	72
7	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	Sound	$3,653Fees	0.028%Above	16
8	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,886Fees	0.120%Above	70
9	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,864Fees	0.137%Above	15
10	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,410Fees	0.728%Above	25
11	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,023Fees	0.454%Above	21
12	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,389Fees	0.347%Above	14
13	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,746Fees	0.511%Above	16
14	AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,635Fees	0.761%Above	15
15	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$4,500Fees	0.746%Above	19
16	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$3,800Fees	0.432%Above	20
17	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Acceptable	$5,414Fees	0.620%Above	10

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.