Mortgage Lenders and Brokers in Bluff City, Tennessee
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Bluff City, Tennessee mortgage lenders include Eastman Credit UnionEastman Credit Union1911 Highway 394, Blountville, TN 37617 5349A+5.0 ★Texas Ratio: 1.56%, Bank of TennesseeBank of Tennessee1917 Highway 394, Blountville, TN 37617A+5.0 ★Texas Ratio: 4.09%, Eclipse Bank IncEclipse Bank Inc203 Broyles Dr, Johnson City, TN 37601A+5.0 ★Texas Ratio: 3.43%, FirstbankFirstbank8398 Us Highway 64, Bartlett, TN 38133A5.0 ★Texas Ratio: 7.51%, Knoxville TVA Employees Credit UnionKnoxville TVA Employees Credit Union1113 Hunters Xing, Alcoa, TN 37701 1852A+5.0 ★Texas Ratio: 2.34%, First Horizon BankFirst Horizon Bank112 S Hall Rd, Alcoa, TN 37701A+5.0 ★Texas Ratio: 5.76%, Truist BankTruist Bank9005 Us Highway 64, Arlington, TN 38002A+5.0 ★Texas Ratio: 2.87%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA11849 Crawford Pines Dr, Arlington, TN 38002A+5.0 ★Texas Ratio: 3.68%, Citizens BankCitizens Bank844 Volunteer Pkwy, Bristol, TN 37620A+5.0 ★Texas Ratio: 5.44%, and Powell Valley National BankPowell Valley National Bank240 W Center St, Kingsport, TN 37660A+5.0 ★Texas Ratio: 2.43%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Bluff City, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bluff City are listed first, then lenders elsewhere in Tennessee, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Bluff City, Tennessee
Market share is the lender's share of all home loans closed in Bluff City, Tennessee. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1911 Highway 394, Blountville, TN 37617 5349 A+5.0 ★Texas Ratio: 1.56% |
Conventional, Jumbo, HELOC | 15 +18 HELOCs |
15% | 75% | $202,333 | View |
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1917 Highway 394, Blountville, TN 37617 A+5.0 ★Texas Ratio: 4.09% |
Conventional, FHA | 2 | 2% | 33.3% | $250,000 | View |
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203 Broyles Dr, Johnson City, TN 37601 A+5.0 ★Texas Ratio: 3.43% |
Conventional, Jumbo | 2 | 2% | 100% | $1,070,000 | View |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA | 2 | 2% | 100% | $85,000 | View |
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1113 Hunters Xing, Alcoa, TN 37701 1852 A+5.0 ★Texas Ratio: 2.34% |
Conventional | 2 | 2% | 100% | $115,000 | View |
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★ 5 stars, 1 review 112 S Hall Rd, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 1 +3 HELOCs |
1% | 100% | $245,000 | View |
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★ 1 stars, 1 review 9005 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +1 HELOCs |
1% | 100% | $245,000 | View |
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11849 Crawford Pines Dr, Arlington, TN 38002 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1% | 100% | $265,000 | View |
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844 Volunteer Pkwy, Bristol, TN 37620 A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 1% | 100% | $415,000 | View |
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240 W Center St, Kingsport, TN 37660 A+5.0 ★Texas Ratio: 2.43% |
Conventional | 1 | 1% | 100% | $255,000 | View |
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1545 Bluff City Hwy, Bristol, TN 37620 6018 A+5.0 ★Texas Ratio: 1.76% |
Conventional | 1 | 1% | 100% | $155,000 | View |
TEN Credit Union
1281 S Walnut Ave, Cookeville, TN 38501 5963 |
Conventional | 1 | 1% | 100% | $55,000 | |
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9059 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1% | 100% | $195,000 | View |
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1611 Gunbarrel Rd, Chattanooga, TN 37421 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 1% | 100% | $345,000 | View |
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108 Cumberland St, Ashland City, TN 37015 A+5.0 ★Texas Ratio: 4.65% |
Conventional | 1 | 1% | 100% | $375,000 | View |
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11916 Kingston Pike, Farragut, TN 37934 A+5.0 ★Texas Ratio: 5.53% |
Conventional | 1 | 1% | 100% | $265,000 | View |
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4425 Ocoee St N, Cleveland, TN 37312 A5.0 ★Texas Ratio: 6.04% |
Conventional | 1 | 1% | 100% | $165,000 | View |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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6671 Summer Ave, Bartlett, TN 38134 A+5.0 ★Texas Ratio: 4.72% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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★ 1.7 stars, 3 reviews 4216 Century Farms Ter, Antioch, TN 37013 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 3% | 37.5% | $171,666 | |
Mortgage Investors Group
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Conventional | 1 | 1% | 100% | $275,000 | |
21St Mortgage
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Conventional | 1 | 1% | 66.7% | $195,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 12 | 12% | 75% | $320,000 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA, VA, Jumbo | 10 | 10% | 90.9% | $267,000 | View |
Cardinal Financial Company, Li
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Conventional | 5 | 5% | 71.4% | $277,000 | |
Mortgage Research Center
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VA | 5 | 5% | 100% | $301,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 4 | 4% | 80% | $185,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, USDA | 2 | 2% | 66.7% | $210,000 | |
Summit Funding.Inc
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Conventional, FHA | 2 | 2% | 100% | $175,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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USDA | 1 | 1% | 100% | $95,000 | |
American Financial Resources LLC
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VA | 1 | 1% | 100% | $285,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 1% | 100% | $485,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 1% | 100% | $1,085,000 | View |
Freedom Mortgage Corporation
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FHA | 1 | 1% | 100% | $165,000 | |
Gvc Mortgage, Inc.
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USDA | 1 | 1% | 100% | $335,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 1% | 100% | $65,000 | |
Cis Financial Services, Inc.
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Conventional | 1 | 1% | 100% | $155,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 1% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1% | 100% | $125,000 | View |
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A5.0 ★Texas Ratio: 8.17% |
VA | 1 | 1% | 100% | $195,000 | View |
Nationstar Mortgage
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Conventional | 1 | 1% | 100% | $245,000 | |
Better Mortgage Corporation
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Conventional | 1 | 1% | 100% | $205,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 1% | 100% | $475,000 | View |
Endeavor Capital, LLC
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FHA | 1 | 1% | 100% | $145,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 1% | 100% | $165,000 | |
New American Funding, LLC.
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Conventional | 1 | 1% | 33.3% | $225,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 1% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 0.43% |
Conventional | 1 | 1% | 100% | $325,000 | View |
Plaza Home Mortgage, Inc
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FHA | 1 | 1% | 100% | $165,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Bluff City Mortgage Rate Trends
Daily average mortgage rates for Tennessee compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Bluff City, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Bluff City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bluff City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bluff City, TN
Use these to narrow the list above. Each category shows how many Bluff City, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Bluff City, TN
Independent mortgage companies closed 62 percent of home loans in Bluff City, Tennessee in 2025, banks 19 percent and credit unions 19 percent. Vanderbilt Mortgage and Finance, Inc was the largest mortgage company, Bank of Tennessee the largest bank and Eastman Credit Union the largest credit union. Among lenders headquartered in Tennessee, Eastman Credit Union led with 15 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Tennessee. State realty transfer tax of $0.37 per $100 of consideration (0.37 percent) plus a mortgage recordation tax of $0.115 per $100 of indebtedness above the first $2,000 (Tenn. Code 67-4-409).
More Tennessee Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Bluff City, TN
By home loans closed in 2025, Eastman Credit Union was the largest mortgage lender in Bluff City, Tennessee with 15 loans, about 15 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Bluff City, Tennessee in 2025, led by United Wholesale Mortgage with 5. 5 lenders closed VA loans, led by Mortgage Research Center, and 3 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 20 banks and 4 credit unions closed home loans in Bluff City, Tennessee in 2025, alongside 28 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Bluff City, Tennessee during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Bluff City, Tennessee for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Bluff City. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
