Top Mortgage Lenders in the Johnson City, TN area

Which mortgage lender in the Johnson City, TN area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Johnson City, TN area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Johnson City, TN area is Knoxville TVA Employees Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.22%. This means that Knoxville TVA Employees Credit Union provided a -0.22% lower interest rate for its customers than other lenders in Johnson City, TN for a similar set of borrowers. Knoxville TVA Employees Credit Union has a market share of 0.7%. On the other hand, the most popular lender in the market is Eastman Credit Union, with a market share of 32.4%. Eastman Credit Union is an average rate lender in this area, with a “Rate Difference” of +0.10% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Johnson City, TN area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Johnson City, TN is Knoxville TVA Employees Credit Union. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is First Tennessee Bank National. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Guaranty Home Mortgage Corporation. The cheapest VA mortgage provider is Navy Federal Credit Union. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Knoxville TVA Employees Credit Union 1, -0.22% 0.73%
Truist Bank 2, -0.21% 1.22%
Wells Fargo Bank 3, -0.17% 2.11%
First Tennessee Bank National 4, -0.15% 2.11%
Usaa Federal Savings Bank 5, -0.14% 1.70%
Navy Federal Credit Union 6, -0.13% 1.01%
JPMorgan Chase Bank 7, -0.12% 0.86%
Suntrust Banks, Inc 8, -0.12% 0.65%
HomeTrust Bank 9, -0.12% 0.65%
Atlantic Bay Mortgage Group 10, -0.11% 1.84%
Guaranty Home Mortgage Corporation 11, -0.11% 0.76%
Movement Mortgage 12, -0.10% 3.85%
Us Bank 13, -0.10% 0.54%
Gateway First Bank 14, -0.10% 0.88%
Citizens Bank 15, -0.09% 2.17%
LoanDepot 16, -0.09% 1.93%
Lakeview Loan Servicing 17, -0.09% 0.54%
Caliber Home Loans Inc 18, -0.08% 1.62%
Towne Mortgage Company 19, -0.06% 0.54%
Regions Bank 20, -0.05% 1.31%
Carrington Mortgage Services 21, -0.04% 0.62%
Pennymac Loan Services 22, -0.04% 0.58%
Mortgage Investors Group 23, -0.04% 5.76%
Success Mortgage Partners Inc 24, -0.03% 0.65%
Bank Of Tennessee 25, -0.03% 1.92%
Quicken Loans 26, -0.02% 10.99%
The First Bank and Trust Company 27, -0.02% 3.05%
Ark-La-Tex Financial Services 28, -0.01% 3.91%
Freedom Mortgage Corporation 29, -0.01% 0.80%
Fairway Independent Mort Corp 30, -0.00% 2.22%
Farm Credit Mid-America 31, 0.02% 0.85%
Paramount Residential Mortgage Group Inc 32, 0.02% 0.68%
Nationstar Mortgage 33, 0.04% 1.07%
Cardinal Financial Company LP 34, 0.09% 7.45%
Eastman Credit Union 35, 0.10% 32.41%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Truist Bank 1, -0.24% 1.13%
Wells Fargo Bank 2, -0.22% 2.37%
First Tennessee Bank National 3, -0.19% 2.24%
JPMorgan Chase Bank 4, -0.19% 0.67%
Usaa Federal Savings Bank 5, -0.15% 2.13%
Suntrust Banks, Inc 6, -0.15% 0.55%
HomeTrust Bank 7, -0.15% 0.58%
Navy Federal Credit Union 8, -0.14% 1.31%
Atlantic Bay Mortgage Group 9, -0.14% 2.09%
Guaranty Home Mortgage Corporation 10, -0.13% 1.04%
Regions Bank 11, -0.12% 1.00%
LoanDepot 12, -0.11% 1.07%
Citizens Bank 13, -0.11% 2.57%
Caliber Home Loans Inc 14, -0.10% 1.95%
Movement Mortgage 15, -0.10% 4.99%
Us Bank 16, -0.09% 0.38%
Bank Of Tennessee 17, -0.09% 1.95%
Towne Mortgage Company 18, -0.09% 0.55%
Knoxville TVA Employees Credit Union 19, -0.09% 0.44%
Gateway First Bank 20, -0.07% 0.51%
Pennymac Loan Services 21, -0.05% 0.16%
Success Mortgage Partners Inc 22, -0.04% 0.78%
The First Bank and Trust Company 23, -0.04% 2.77%
Mortgage Investors Group 24, -0.04% 7.72%
Freedom Mortgage Corporation 25, -0.04% 0.62%
Nationstar Mortgage 26, -0.04% 0.40%
Quicken Loans 27, -0.03% 5.22%
Carrington Mortgage Services 28, -0.02% 0.18%
Ark-La-Tex Financial Services 29, -0.02% 4.90%
Lakeview Loan Servicing 30, -0.01% 0.02%
Fairway Independent Mort Corp 31, -0.01% 2.95%
Farm Credit Mid-America 32, 0.04% 0.91%
Paramount Residential Mortgage Group Inc 33, 0.05% 0.78%
Cardinal Financial Company LP 34, 0.09% 10.16%
Eastman Credit Union 35, 0.12% 32.89%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Knoxville TVA Employees Credit Union 1, -0.31% 1.31%
Movement Mortgage 2, -0.17% 1.53%
Truist Bank 3, -0.16% 1.40%
Gateway First Bank 4, -0.10% 1.62%
Us Bank 5, -0.10% 0.86%
Mortgage Investors Group 6, -0.08% 1.76%
Lakeview Loan Servicing 7, -0.07% 1.58%
Suntrust Banks, Inc 8, -0.07% 0.86%
Usaa Federal Savings Bank 9, -0.07% 0.81%
LoanDepot 10, -0.07% 3.70%
HomeTrust Bank 11, -0.06% 0.81%
Navy Federal Credit Union 12, -0.06% 0.41%
First Tennessee Bank National 13, -0.05% 1.85%
Paramount Residential Mortgage Group Inc 14, -0.05% 0.50%
Citizens Bank 15, -0.05% 1.35%
Atlantic Bay Mortgage Group 16, -0.05% 1.35%
Guaranty Home Mortgage Corporation 17, -0.04% 0.18%
Wells Fargo Bank 18, -0.04% 1.58%
JPMorgan Chase Bank 19, -0.04% 1.26%
Caliber Home Loans Inc 20, -0.04% 0.95%
Carrington Mortgage Services 21, -0.03% 1.53%
Cardinal Financial Company LP 22, -0.03% 1.94%
Farm Credit Mid-America 23, -0.03% 0.72%
Pennymac Loan Services 24, -0.03% 1.44%
Towne Mortgage Company 25, -0.02% 0.50%
Ark-La-Tex Financial Services 26, -0.01% 1.89%
Success Mortgage Partners Inc 27, -0.01% 0.41%
Quicken Loans 28, -0.00% 22.73%
The First Bank and Trust Company 29, 0.02% 3.61%
Freedom Mortgage Corporation 30, 0.03% 1.17%
Fairway Independent Mort Corp 31, 0.03% 0.72%
Regions Bank 32, 0.04% 1.94%
Eastman Credit Union 33, 0.06% 31.44%
Nationstar Mortgage 34, 0.08% 2.44%
Bank Of Tennessee 35, 0.10% 1.85%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Knoxville TVA Employees Credit Union 1, -0.24% 1.01%
Truist Bank 2, -0.23% 1.66%
Wells Fargo Bank 3, -0.20% 2.72%
First Tennessee Bank National 4, -0.17% 2.51%
Citizens Bank 5, -0.15% 1.90%
Suntrust Banks, Inc 6, -0.14% 0.84%
LoanDepot 7, -0.14% 1.12%
Movement Mortgage 8, -0.14% 3.33%
Gateway First Bank 9, -0.14% 0.91%
JPMorgan Chase Bank 10, -0.13% 1.22%
HomeTrust Bank 11, -0.13% 0.93%
Guaranty Home Mortgage Corporation 12, -0.12% 0.34%
Atlantic Bay Mortgage Group 13, -0.12% 1.58%
Us Bank 14, -0.12% 0.67%
Caliber Home Loans Inc 15, -0.11% 1.03%
Ark-La-Tex Financial Services 16, -0.08% 3.08%
Usaa Federal Savings Bank 17, -0.08% 0.76%
Towne Mortgage Company 18, -0.08% 0.59%
Success Mortgage Partners Inc 19, -0.07% 0.46%
Regions Bank 20, -0.06% 1.56%
Mortgage Investors Group 21, -0.05% 3.10%
Carrington Mortgage Services 22, -0.05% 0.13%
Navy Federal Credit Union 23, -0.04% 0.57%
The First Bank and Trust Company 24, -0.03% 4.32%
Bank Of Tennessee 25, -0.03% 2.04%
Lakeview Loan Servicing 26, -0.02% 0.02%
Pennymac Loan Services 27, -0.01% 0.27%
Freedom Mortgage Corporation 28, 0.00% 0.11%
Cardinal Financial Company LP 29, 0.01% 4.23%
Quicken Loans 30, 0.01% 9.31%
Farm Credit Mid-America 31, 0.02% 0.95%
Paramount Residential Mortgage Group Inc 32, 0.02% 0.15%
Fairway Independent Mort Corp 33, 0.07% 1.20%
Nationstar Mortgage 34, 0.08% 0.65%
Eastman Credit Union 35, 0.09% 44.74%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Truist Bank 1, -0.25% 1.61%
Wells Fargo Bank 2, -0.25% 3.03%
First Tennessee Bank National 3, -0.22% 2.58%
JPMorgan Chase Bank 4, -0.20% 0.97%
Suntrust Banks, Inc 5, -0.17% 0.74%
Citizens Bank 6, -0.17% 2.26%
Regions Bank 7, -0.17% 1.03%
LoanDepot 8, -0.16% 0.68%
HomeTrust Bank 9, -0.16% 0.84%
Atlantic Bay Mortgage Group 10, -0.15% 1.58%
Guaranty Home Mortgage Corporation 11, -0.14% 0.42%
Caliber Home Loans Inc 12, -0.13% 1.35%
Movement Mortgage 13, -0.12% 4.22%
Us Bank 14, -0.12% 0.42%
Bank Of Tennessee 15, -0.11% 2.00%
Towne Mortgage Company 16, -0.10% 0.58%
Ark-La-Tex Financial Services 17, -0.10% 4.03%
Gateway First Bank 18, -0.10% 0.42%
Knoxville TVA Employees Credit Union 19, -0.10% 0.61%
Success Mortgage Partners Inc 20, -0.10% 0.52%
Usaa Federal Savings Bank 21, -0.09% 1.00%
Pennymac Loan Services 22, -0.06% 0.06%
The First Bank and Trust Company 23, -0.05% 4.03%
Navy Federal Credit Union 24, -0.05% 0.84%
Carrington Mortgage Services 25, -0.04% 0.06%
Mortgage Investors Group 26, -0.04% 3.83%
Lakeview Loan Servicing 27, -0.02% 0.03%
Quicken Loans 28, -0.00% 4.83%
Nationstar Mortgage 29, -0.00% 0.10%
Freedom Mortgage Corporation 30, 0.01% 0.06%
Paramount Residential Mortgage Group Inc 31, 0.01% 0.23%
Cardinal Financial Company LP 32, 0.02% 5.74%
Farm Credit Mid-America 33, 0.04% 1.06%
Fairway Independent Mort Corp 34, 0.08% 1.55%
Eastman Credit Union 35, 0.11% 46.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Knoxville TVA Employees Credit Union 1, -0.32% 1.76%
Movement Mortgage 2, -0.23% 1.64%
Truist Bank 3, -0.19% 1.76%
Gateway First Bank 4, -0.14% 1.82%
Mortgage Investors Group 5, -0.12% 1.70%
LoanDepot 6, -0.12% 1.95%
Us Bank 7, -0.11% 1.16%
Suntrust Banks, Inc 8, -0.09% 1.03%
Citizens Bank 9, -0.09% 1.22%
HomeTrust Bank 10, -0.08% 1.09%
Usaa Federal Savings Bank 11, -0.07% 0.30%
First Tennessee Bank National 12, -0.07% 2.37%
Cardinal Financial Company LP 13, -0.07% 1.40%
Guaranty Home Mortgage Corporation 14, -0.07% 0.18%
Atlantic Bay Mortgage Group 15, -0.07% 1.58%
Wells Fargo Bank 16, -0.06% 2.13%
JPMorgan Chase Bank 17, -0.06% 1.70%
Farm Credit Mid-America 18, -0.05% 0.73%
Carrington Mortgage Services 19, -0.04% 0.24%
Caliber Home Loans Inc 20, -0.03% 0.43%
Towne Mortgage Company 21, -0.03% 0.61%
Navy Federal Credit Union 22, -0.03% 0.06%
Success Mortgage Partners Inc 23, -0.01% 0.36%
Ark-La-Tex Financial Services 24, -0.00% 1.28%
The First Bank and Trust Company 25, 0.00% 4.87%
Freedom Mortgage Corporation 26, 0.01% 0.18%
Pennymac Loan Services 27, 0.01% 0.67%
Fairway Independent Mort Corp 28, 0.02% 0.55%
Quicken Loans 29, 0.03% 17.76%
Regions Bank 30, 0.03% 2.55%
Eastman Credit Union 31, 0.05% 41.06%
Nationstar Mortgage 32, 0.10% 1.70%
Bank Of Tennessee 33, 0.10% 2.13%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guaranty Home Mortgage Corporation 1, -0.13% 1.34%
Quicken Loans 2, -0.12% 17.17%
Atlantic Bay Mortgage Group 3, -0.10% 3.52%
Caliber Home Loans Inc 4, -0.05% 2.51%
Movement Mortgage 5, -0.05% 6.53%
Fairway Independent Mort Corp 6, -0.05% 4.86%
Carrington Mortgage Services 7, -0.04% 1.68%
Towne Mortgage Company 8, -0.04% 0.42%
Bank Of Tennessee 9, -0.03% 1.84%
Lakeview Loan Servicing 10, -0.03% 1.59%
Pennymac Loan Services 11, -0.02% 0.75%
Us Bank 12, -0.02% 0.17%
Regions Bank 13, -0.01% 0.67%
Navy Federal Credit Union 14, -0.01% 0.08%
LoanDepot 15, -0.01% 3.18%
Mortgage Investors Group 16, -0.01% 16.25%
Citizens Bank 17, 0.00% 3.35%
Suntrust Banks, Inc 18, 0.00% 0.08%
Gateway First Bank 19, 0.01% 0.84%
Eastman Credit Union 20, 0.01% 0.17%
Freedom Mortgage Corporation 21, 0.01% 2.60%
Wells Fargo Bank 22, 0.02% 0.08%
Nationstar Mortgage 23, 0.04% 2.51%
Success Mortgage Partners Inc 24, 0.05% 1.26%
Paramount Residential Mortgage Group Inc 25, 0.09% 2.01%
Ark-La-Tex Financial Services 26, 0.11% 5.44%
Cardinal Financial Company LP 27, 0.14% 19.10%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guaranty Home Mortgage Corporation 1, -0.15% 1.76%
Atlantic Bay Mortgage Group 2, -0.13% 4.19%
Quicken Loans 3, -0.11% 7.39%
Caliber Home Loans Inc 4, -0.09% 2.87%
Movement Mortgage 5, -0.07% 8.16%
Fairway Independent Mort Corp 6, -0.07% 6.28%
LoanDepot 7, -0.06% 2.43%
Towne Mortgage Company 8, -0.06% 0.55%
Pennymac Loan Services 9, -0.06% 0.22%
Bank Of Tennessee 10, -0.06% 2.09%
Nationstar Mortgage 11, -0.05% 1.10%
Us Bank 12, -0.03% 0.22%
Regions Bank 13, -0.03% 0.88%
Carrington Mortgage Services 14, -0.03% 0.33%
Gateway First Bank 15, -0.03% 0.66%
Navy Federal Credit Union 16, -0.03% 0.11%
Mortgage Investors Group 17, -0.03% 20.51%
Freedom Mortgage Corporation 18, -0.02% 2.09%
Citizens Bank 19, -0.02% 3.53%
Eastman Credit Union 20, -0.02% 0.11%
Wells Fargo Bank 21, 0.00% 0.11%
Success Mortgage Partners Inc 22, 0.04% 1.43%
Paramount Residential Mortgage Group Inc 23, 0.08% 2.43%
Ark-La-Tex Financial Services 24, 0.09% 6.62%
Cardinal Financial Company LP 25, 0.13% 23.93%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.08% 48.08%
Carrington Mortgage Services 2, 0.01% 5.92%
Lakeview Loan Servicing 3, 0.03% 6.62%
Success Mortgage Partners Inc 4, 0.04% 0.70%
Pennymac Loan Services 5, 0.04% 2.44%
Bank Of Tennessee 6, 0.05% 1.05%
Movement Mortgage 7, 0.05% 1.39%
Atlantic Bay Mortgage Group 8, 0.05% 1.39%
Suntrust Banks, Inc 9, 0.06% 0.35%
Mortgage Investors Group 10, 0.06% 2.79%
Paramount Residential Mortgage Group Inc 11, 0.07% 0.70%
Citizens Bank 12, 0.07% 2.79%
Fairway Independent Mort Corp 13, 0.07% 0.35%
Eastman Credit Union 14, 0.08% 0.35%
Caliber Home Loans Inc 15, 0.08% 1.39%
Cardinal Financial Company LP 16, 0.09% 3.83%
Gateway First Bank 17, 0.10% 1.39%
Freedom Mortgage Corporation 18, 0.10% 4.18%
LoanDepot 19, 0.10% 5.57%
Ark-La-Tex Financial Services 20, 0.11% 1.74%
Nationstar Mortgage 21, 0.13% 6.97%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Tennessee Bank National 1, -0.06% 33.85%
Us Bank 2, 0.00% 1.54%
Wells Fargo Bank 3, 0.01% 3.08%
Knoxville TVA Employees Credit Union 4, 0.01% 1.54%
Bank Of Tennessee 5, 0.01% 1.54%
Towne Mortgage Company 6, 0.01% 1.54%
Farm Credit Mid-America 7, 0.02% 18.46%
Mortgage Investors Group 8, 0.03% 1.54%
Eastman Credit Union 9, 0.04% 35.38%
Carrington Mortgage Services 10, 0.04% 1.54%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Tennessee Bank National 1, -0.05% 42.55%
Us Bank 2, 0.01% 2.13%
Wells Fargo Bank 3, 0.01% 4.26%
Knoxville TVA Employees Credit Union 4, 0.02% 2.13%
Towne Mortgage Company 5, 0.02% 2.13%
Farm Credit Mid-America 6, 0.03% 17.02%
Mortgage Investors Group 7, 0.04% 2.13%
Carrington Mortgage Services 8, 0.05% 2.13%
Eastman Credit Union 9, 0.06% 25.53%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Tennessee Bank National 1, -0.04% 11.11%
Bank Of Tennessee 2, -0.01% 5.56%
Farm Credit Mid-America 3, -0.00% 22.22%
Eastman Credit Union 4, 0.01% 61.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.17% 5.58%
Usaa Federal Savings Bank 2, -0.15% 10.88%
Lakeview Loan Servicing 3, -0.10% 2.23%
LoanDepot 4, -0.07% 5.44%
Wells Fargo Bank 5, -0.06% 1.39%
Guaranty Home Mortgage Corporation 6, -0.05% 2.65%
Pennymac Loan Services 7, -0.05% 2.37%
Atlantic Bay Mortgage Group 8, -0.04% 0.98%
Caliber Home Loans Inc 9, -0.04% 4.18%
Success Mortgage Partners Inc 10, -0.03% 0.98%
Paramount Residential Mortgage Group Inc 11, -0.02% 2.09%
First Tennessee Bank National 12, -0.02% 0.14%
Truist Bank 13, -0.02% 0.42%
Bank Of Tennessee 14, -0.01% 1.26%
Gateway First Bank 15, -0.01% 0.84%
Towne Mortgage Company 16, -0.01% 0.28%
Mortgage Investors Group 17, -0.01% 6.28%
Suntrust Banks, Inc 18, -0.00% 0.42%
Us Bank 19, 0.00% 0.14%
Regions Bank 20, 0.01% 0.84%
Movement Mortgage 21, 0.01% 3.21%
Fairway Independent Mort Corp 22, 0.01% 4.74%
Carrington Mortgage Services 23, 0.01% 2.09%
Citizens Bank 24, 0.02% 2.23%
Freedom Mortgage Corporation 25, 0.02% 2.51%
Nationstar Mortgage 26, 0.03% 1.53%
Eastman Credit Union 27, 0.05% 4.18%
Ark-La-Tex Financial Services 28, 0.06% 7.25%
Quicken Loans 29, 0.08% 12.83%
Cardinal Financial Company LP 30, 0.20% 10.04%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.20% 7.13%
Usaa Federal Savings Bank 2, -0.17% 14.48%
Wells Fargo Bank 3, -0.07% 2.23%
LoanDepot 4, -0.07% 1.11%
Guaranty Home Mortgage Corporation 5, -0.06% 4.01%
Atlantic Bay Mortgage Group 6, -0.05% 1.56%
Gateway First Bank 7, -0.04% 0.89%
Success Mortgage Partners Inc 8, -0.03% 1.34%
Caliber Home Loans Inc 9, -0.03% 4.45%
Freedom Mortgage Corporation 10, -0.02% 1.56%
First Tennessee Bank National 11, -0.02% 0.22%
Bank Of Tennessee 12, -0.02% 1.56%
Truist Bank 13, -0.02% 0.22%
Pennymac Loan Services 14, -0.01% 0.67%
Towne Mortgage Company 15, -0.01% 0.22%
Mortgage Investors Group 16, -0.01% 9.35%
Us Bank 17, -0.00% 0.22%
Fairway Independent Mort Corp 18, 0.00% 6.24%
Suntrust Banks, Inc 19, 0.00% 0.45%
Regions Bank 20, 0.00% 1.11%
Movement Mortgage 21, 0.01% 4.45%
Citizens Bank 22, 0.02% 3.12%
Nationstar Mortgage 23, 0.03% 1.11%
Carrington Mortgage Services 24, 0.03% 0.45%
Paramount Residential Mortgage Group Inc 25, 0.04% 1.34%
Quicken Loans 26, 0.04% 4.01%
Eastman Credit Union 27, 0.07% 4.45%
Ark-La-Tex Financial Services 28, 0.11% 8.02%
Cardinal Financial Company LP 29, 0.23% 14.03%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Lakeview Loan Servicing 1, -0.10% 5.97%
LoanDepot 2, -0.07% 12.69%
Usaa Federal Savings Bank 3, -0.06% 4.85%
Caliber Home Loans Inc 4, -0.06% 3.73%
Paramount Residential Mortgage Group Inc 5, -0.06% 3.36%
Ark-La-Tex Financial Services 6, -0.06% 5.97%
Pennymac Loan Services 7, -0.06% 5.22%
Navy Federal Credit Union 8, -0.05% 2.99%
Cardinal Financial Company LP 9, -0.02% 3.36%
Success Mortgage Partners Inc 10, -0.01% 0.37%
Truist Bank 11, -0.01% 0.75%
Towne Mortgage Company 12, -0.01% 0.37%
Suntrust Banks, Inc 13, -0.01% 0.37%
Guaranty Home Mortgage Corporation 14, -0.01% 0.37%
Mortgage Investors Group 15, -0.00% 1.12%
Bank Of Tennessee 16, 0.00% 0.75%
Movement Mortgage 17, 0.00% 1.12%
Citizens Bank 18, 0.00% 0.75%
Regions Bank 19, 0.01% 0.37%
Carrington Mortgage Services 20, 0.01% 4.85%
Eastman Credit Union 21, 0.02% 3.73%
Nationstar Mortgage 22, 0.04% 2.24%
Gateway First Bank 23, 0.04% 0.75%
Fairway Independent Mort Corp 24, 0.05% 2.24%
Freedom Mortgage Corporation 25, 0.05% 4.10%
Quicken Loans 26, 0.09% 27.61%

* Data is compiled for the Johnson City, TN commuting zone area, which comprises of counties of Carter County, TN, Greene County, TN, Hawkins County, TN, Sullivan County, TN, Unicoi County, TN, Washington County, TN, Scott County, VA, Smyth County, VA, Washington County, VA, and Bristol city, VA. This includes cities/towns/communities of Johnson City, TN as well as Kingsport, TN, Bristol, TN, Elizabethton, TN, Greeneville, TN, Jonesborough, TN, Abingdon, VA, Colonial Heights, TN, Telford, TN, Mount Carmel, TN, Bristol, VA, Fall Branch, TN, Spurgeon, TN, Erwin, TN, Church Hill, TN, Blountville, TN, Tusculum, TN, Mosheim, TN, Rogersville, TN, Surgoinsville, TN, Hunter, TN, Bloomingdale, TN, Spurgeon, TN, Bluff City, TN, Oak Grove, TN, Marion, VA, Walnut Hill, TN, Unicoi, TN, Mooresburg, TN, Damascus, VA, Chilhowie, VA, Roan Mountain, TN, Fall Branch, TN, Bulls Gap, TN, Glade Spring, VA, Baileyton, TN, Adwolf, VA, Weber City, VA, Gate City, VA, Duffield, VA, Saltville, VA, Central, TN, Nickelsville, VA, Atkins, VA, Emory, VA, Watauga, TN, Sugar Grove, VA, and Dungannon, VA. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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