Mortgage Lenders and Brokers in Cosby, 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
Cosby, Tennessee mortgage lenders include US Bank, N.A.US Bank, N.A.929 Bell Rd, Antioch, TN 37013A+5.0 ★Texas Ratio: 2.85%, Ornl Federal Credit UnionOrnl Federal Credit Union103 Hamilton Crossing Dr, Alcoa, TN 37701, Tennessee State BankTennessee State Bank11470 Parkside Dr, Farragut, TN 37934A+5.0 ★Texas Ratio: 0.90%, FirstbankFirstbank8398 Us Highway 64, Bartlett, TN 38133A5.0 ★Texas Ratio: 7.51%, First Horizon BankFirst Horizon Bank112 S Hall Rd, Alcoa, TN 37701A+5.0 ★Texas Ratio: 5.76%, Consumer Credit UnionConsumer Credit Union3634 E Andrew Johnson Hwy, Greeneville, TN 37745A+5.0 ★Texas Ratio: 0.68%, Knoxville TVA Employees Credit UnionKnoxville TVA Employees Credit Union1113 Hunters Xing, Alcoa, TN 37701 1852A+5.0 ★Texas Ratio: 2.34%, Studio BankStudio Bank1550 W Mcewen Dr Suite 150, Franklin, TN 37067A5.0 ★Texas Ratio: 11.28%, First Community Mortgage, Inc.First Community Mortgage, Inc.2681 Boones Creek Rd, Johnson City, TN 37615A+5.0 ★Texas Ratio: 3.36%, and Commercial BankCommercial Bank5500 Maryland Way, Brentwood, TN 37027A+5.0 ★Texas Ratio: 2.83%. 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 Cosby, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cosby 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 Cosby, Tennessee
Market share is the lender's share of all home loans closed in Cosby, 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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929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA | 5 | 3.1% | 100% | $153,000 | View |
Ornl Federal Credit Union
103 Hamilton Crossing Dr, Alcoa, TN 37701 |
Conventional, HELOC | 3 +2 HELOCs |
1.9% | 100% | $401,666 | |
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11470 Parkside Dr, Farragut, TN 37934 A+5.0 ★Texas Ratio: 0.90% |
Conventional | 3 | 1.9% | 75% | $175,000 | View |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA | 3 | 1.9% | 60% | $265,000 | View |
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★ 5 stars, 1 review 112 S Hall Rd, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 2 | 1.2% | 100% | $270,000 | View |
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3634 E Andrew Johnson Hwy, Greeneville, TN 37745 A+5.0 ★Texas Ratio: 0.68% |
Conventional | 2 | 1.2% | 100% | $135,000 | View |
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1113 Hunters Xing, Alcoa, TN 37701 1852 A+5.0 ★Texas Ratio: 2.34% |
Conventional, HELOC | 1 +8 HELOCs |
0.6% | 100% | $155,000 | View |
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1550 W Mcewen Dr Suite 150, Franklin, TN 37067 A5.0 ★Texas Ratio: 11.28% |
Conventional | 1 | 0.6% | 100% | $275,000 | View |
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2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 0.6% | 100% | $265,000 | View |
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5500 Maryland Way, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.83% |
Conventional | 1 | 0.6% | 50% | $135,000 | View |
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5308 Mount View Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.6% | 100% | $375,000 | View |
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925 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 3.93% |
Conventional | 1 | 0.6% | 100% | $245,000 | View |
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450 N Charles G Seivers Blvd, Clinton, TN 37716 3730 A+5.0 ★Texas Ratio: 3.67% |
Conventional | 1 | 0.6% | 100% | $125,000 | View |
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1305 Decatur Pike, Athens, TN 37303 A+5.0 ★Texas Ratio: 0.31% |
Conventional | 1 | 0.6% | 100% | $175,000 | View |
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1911 Highway 394, Blountville, TN 37617 5349 A+5.0 ★Texas Ratio: 1.56% |
Conventional | 1 | 0.6% | 100% | $115,000 | View |
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1720 WESTERN AVE, KNOXVILLE, TN 37921 A+5.0 ★Texas Ratio: 1.06% |
Conventional | 1 | 0.6% | 100% | $15,000 | View |
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5530 Airline Rd, Arlington, TN 38002 A+5.0 ★Texas Ratio: 4.77% |
Conventional | 1 | 0.6% | 100% | $235,000 | View |
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782 Old Hickory Blvd, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.35% |
Conventional | 1 | 0.6% | 100% | $505,000 | View |
Mortgage Investors Group
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Conventional, FHA, USDA | 13 | 8.1% | 92.9% | $243,461 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 5 | 3.1% | 30.4% | $255,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.6% | 100% | $125,000 | View |
21St Mortgage
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Conventional | 1 | 0.6% | 14.3% | $85,000 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA | 18 | 11.2% | 95% | $221,666 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA, VA | 15 | 9.3% | 76.2% | $239,000 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 9 | 5.6% | 75% | $321,666 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 3 | 1.9% | 100% | $225,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 3 | 1.9% | 100% | $215,000 | |
Nationstar Mortgage
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Conventional, VA | 3 | 1.9% | 75% | $185,000 | |
Mortgage Research Center
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VA | 3 | 1.9% | 75% | $411,666 | |
Stockton Mortgage Corporation
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Conventional, FHA | 3 | 1.9% | 100% | $258,333 | |
Ark-La-Tex Financial Services LLC
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Conventional | 3 | 1.9% | 100% | $265,000 | |
Everett Financial, Inc.
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Conventional, VA | 2 | 1.2% | 100% | $210,000 | |
Freedom Mortgage Corporation
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VA | 2 | 1.2% | 100% | $330,000 | |
Newrez LLC
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FHA | 2 | 1.2% | 100% | $320,000 | |
Equity Prime Mortgage LLC
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VA | 2 | 1.2% | 100% | $370,000 | |
loanDepot.com LLC
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Conventional | 2 | 1.2% | 100% | $225,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 2 | 1.2% | 100% | $335,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 1.2% | 100% | $210,000 | |
New American Funding, LLC.
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FHA | 2 | 1.2% | 66.7% | $220,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 1.2% | 100% | $300,000 | |
State Employees' Credit Union
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Conventional | 1 | 0.6% | 100% | $135,000 | |
Liberty Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $405,000 | |
Primelending
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Conventional | 1 | 0.6% | 100% | $225,000 | |
Goodleap, LLC
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VA | 1 | 0.6% | 100% | $395,000 | |
Gvc Mortgage, Inc.
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Conventional | 1 | 0.6% | 100% | $185,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.6% | 20% | $55,000 | |
Guild Mortgage Company
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FHA | 1 | 0.6% | 100% | $285,000 | |
Bay-Valley Mortgage Group
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Conventional | 1 | 0.6% | 100% | $365,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.6% | 100% | $205,000 | |
PFN Lending Group, Inc.
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FHA | 1 | 0.6% | 100% | $275,000 | |
Discover Bank
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Conventional | 1 | 0.6% | 25% | $35,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.6% | 100% | $345,000 | |
VanDyk Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $215,000 | |
Flat Branch Mortgage, Inc.
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FHA | 1 | 0.6% | 100% | $255,000 | |
First Colony Mortgage Corporat
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VA | 1 | 0.6% | 100% | $485,000 | |
Stg Mortgage Inc
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Conventional | 1 | 0.6% | 100% | $175,000 | |
New Day Financial, LLC.
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VA | 1 | 0.6% | 33.3% | $425,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.6% | 100% | $455,000 | View |
Cis Financial Services, Inc.
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Conventional | 1 | 0.6% | 100% | $95,000 | |
Suncoast Credit Union
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Conventional | 1 | 0.6% | 100% | $365,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $345,000 | |
Synovus Bank
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Conventional | 1 | 0.6% | 100% | $175,000 | |
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A5.0 ★Texas Ratio: 8.17% |
VA | 1 | 0.6% | 100% | $515,000 | View |
Saygo Home Loans, LLC
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VA | 1 | 0.6% | 100% | $515,000 | |
Ardri LLC
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Conventional | 1 | 0.6% | 100% | $265,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.6% | 50% | $385,000 | |
Lower, LLC
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Conventional | 1 | 0.6% | 100% | $75,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.6% | 100% | $445,000 | View |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.6% | 100% | $455,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.6% | 100% | $165,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.6% | 50% | $125,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.6% | 100% | $45,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.6% | 100% | $255,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View |
Cosby 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 Cosby, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Cosby? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cosby in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cosby, TN
Use these to narrow the list above. Each category shows how many Cosby, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Cosby, TN
Independent mortgage companies closed 75.2 percent of home loans in Cosby, Tennessee in 2025, banks 14.9 percent and credit unions 9.9 percent. Mortgage Investors Group was the largest mortgage company, US Bank, N.A. the largest bank and Ornl Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, Ornl Federal Credit Union led with 3 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 Cosby, TN
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Cosby, Tennessee with 5 loans, about 3.1 percent of the market. The largest lender headquartered in Tennessee was Ornl Federal Credit Union with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Cosby, Tennessee in 2025, led by Cmg Mortgage Inc with 7. 16 lenders closed VA loans, led by Mortgage Research Center, and 2 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. 16 banks and 13 credit unions closed home loans in Cosby, Tennessee in 2025, alongside 45 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 Cosby, 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 Cosby, 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 Cosby. 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.
