Mortgage Lenders and Brokers in Erwin, 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
Erwin, Tennessee mortgage lenders include Clinchfield FCUClinchfield FCU1038 N Main Ave, Erwin, TN 37650A+5.0 ★Texas Ratio: 0.92%, Bank of TennesseeBank of Tennessee1230 N Main Ave, Erwin, TN 37650A+5.0 ★Texas Ratio: 4.09%, Eastman Credit UnionEastman Credit Union1911 Highway 394, Blountville, TN 37617 5349A+5.0 ★Texas Ratio: 1.56%, Citizens BankCitizens Bank844 Volunteer Pkwy, Bristol, TN 37620A+5.0 ★Texas Ratio: 5.44%, Elizabethton Federal Savings BankElizabethton Federal Savings Bank400 Bemberg Rd, Elizabethton, TN 37643A+5.0 ★Texas Ratio: 0.47%, Eclipse Bank IncEclipse Bank Inc203 Broyles Dr, Johnson City, TN 37601A+5.0 ★Texas Ratio: 3.43%, First Horizon BankFirst Horizon Bank112 S Hall Rd, Alcoa, TN 37701A+5.0 ★Texas Ratio: 5.76%, Select Seven Federal Credit UnionSelect Seven Federal Credit Union333 E Main St, Johnson City, TN 37601A+5.0 ★Texas Ratio: 0.98%, TruPoint BankTruPoint Bank441 Richmond St, Church Hill, TN 37642A+5.0 ★Texas Ratio: 0.13%, and TEN Credit UnionTEN Credit Union1281 S Walnut Ave, Cookeville, TN 38501 5963. 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 Erwin, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Erwin 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 Erwin, Tennessee
Market share is the lender's share of all home loans closed in Erwin, 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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1038 N Main Ave, Erwin, TN 37650 A+5.0 ★Texas Ratio: 0.92% |
Conventional | 35 | 15.7% | 94.7% | $116,428 | View |
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1 office in Erwin 1230 N Main Ave, Erwin, TN 37650 A+5.0 ★Texas Ratio: 4.09% |
Conventional, USDA | 8 | 3.6% | 80% | $238,750 | View |
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1911 Highway 394, Blountville, TN 37617 5349 A+5.0 ★Texas Ratio: 1.56% |
Conventional, HELOC | 20 +15 HELOCs |
9% | 78.6% | $181,000 | View |
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844 Volunteer Pkwy, Bristol, TN 37620 A+5.0 ★Texas Ratio: 5.44% |
Conventional | 3 | 1.3% | 100% | $195,000 | View |
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400 Bemberg Rd, Elizabethton, TN 37643 A+5.0 ★Texas Ratio: 0.47% |
Conventional, Jumbo | 3 | 1.3% | 100% | $628,333 | View |
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203 Broyles Dr, Johnson City, TN 37601 A+5.0 ★Texas Ratio: 3.43% |
Conventional | 2 | 0.9% | 100% | $200,000 | View |
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★ 5 stars, 1 review 112 S Hall Rd, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.4% | 50% | $255,000 | View |
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333 E Main St, Johnson City, TN 37601 A+5.0 ★Texas Ratio: 0.98% |
Conventional | 1 | 0.4% | 100% | $435,000 | View |
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441 Richmond St, Church Hill, TN 37642 A+5.0 ★Texas Ratio: 0.13% |
Conventional | 1 | 0.4% | 100% | $145,000 | View |
TEN Credit Union
1281 S Walnut Ave, Cookeville, TN 38501 5963 |
Conventional | 1 | 0.4% | 100% | $155,000 | |
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5000 Maryland Way, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.4% | 100% | $525,000 | View |
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★ 1 stars, 1 review 9005 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Mortgage Investors Group
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Conventional, VA | 3 | 1.3% | 75% | $235,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 1.3% | 25% | $145,000 | |
Mountain Commerce Bank
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Conventional | 1 | 0.4% | 100% | $145,000 | |
21St Mortgage
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Conventional | 1 | 0.4% | 20% | $85,000 | |
Kingsport Press Credit Unioin
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA, VA | 21 | 9.4% | 80.8% | $194,047 | View |
Movement Mortgage, LLC
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Conventional, FHA, VA, USDA, HELOC | 19 +1 HELOCs |
8.5% | 100% | $237,105 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 13 | 5.8% | 100% | $271,923 | |
Cardinal Financial Company, Li
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Conventional, FHA, VA | 13 | 5.8% | 83.3% | $157,307 | |
Freedom Mortgage Corporation
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FHA, VA | 7 | 3.1% | 100% | $265,000 | |
Mortgage Research Center
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VA | 7 | 3.1% | 70% | $272,142 | |
Sierra Pacific Mortgage Co. Inc
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FHA, VA, USDA | 4 | 1.8% | 100% | $240,000 | |
Gvc Mortgage, Inc.
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Conventional, FHA | 3 | 1.3% | 100% | $368,333 | |
Amerisave Mortgage Company
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Conventional, FHA, VA | 3 | 1.3% | 42.9% | $155,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, VA | 3 | 1.3% | 100% | $148,333 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 2 +1 HELOCs |
0.9% | 100% | $160,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.9% | 50% | $55,000 | |
State Employees' Credit Union
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Conventional | 2 | 0.9% | 50% | $240,000 | |
Everett Financial, Inc.
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Conventional | 2 | 0.9% | 66.7% | $150,000 | |
Newrez LLC
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VA | 2 | 0.9% | 100% | $275,000 | |
Ross Mortgage Corporation
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Conventional, FHA | 2 | 0.9% | 75% | $320,000 | |
Atlantic Bay Mortgage Group
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Conventional | 2 | 0.9% | 100% | $230,000 | |
Summit Funding.Inc
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Conventional, FHA | 2 | 0.9% | 100% | $160,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 0.9% | 66.7% | $240,000 | |
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A5.0 ★Texas Ratio: 7.39% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $75,000 | View |
Liberty Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $245,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.4% | 100% | $175,000 | |
ALCOVA Mortgage, LLC
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USDA | 1 | 0.4% | 100% | $245,000 | |
Kind Lending, LLC
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FHA | 1 | 0.4% | 100% | $215,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.4% | 25% | $145,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
VA | 1 | 0.4% | 100% | $145,000 | View |
PHH Mortgage Corporation
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VA | 1 | 0.4% | 100% | $555,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.4% | 100% | $225,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.4% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
FHA | 1 | 0.4% | 100% | $375,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.4% | 100% | $335,000 | View |
Union Home Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $245,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.4% | 100% | $345,000 | View |
Altra Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $15,000 | |
T2 Financial LLC
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Conventional | 1 | 0.4% | 100% | $205,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $165,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.4% | 100% | $55,000 | |
Stockton Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $315,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.4% | 100% | $365,000 | |
New American Funding, LLC.
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FHA | 1 | 0.4% | 100% | $225,000 | |
Lower, LLC
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Conventional | 1 | 0.4% | 33.3% | $255,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.4% | 100% | $335,000 | View |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.4% | 100% | $385,000 | |
Southwest Stage Funding LLC
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VA | 1 | 0.4% | 100% | $405,000 | |
First Bank and Trust Company
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Conventional | 1 | 0.4% | 100% | $275,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.4% | 100% | $625,000 | |
Village Capital & Investment
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VA | 1 | 0.4% | 100% | $255,000 | |
State Departmenet Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Erwin 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 Erwin, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Erwin? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Erwin in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Erwin, TN
Use these to narrow the list above. Each category shows how many Erwin, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Erwin, TN
Independent mortgage companies closed 60.5 percent of home loans in Erwin, Tennessee in 2025, banks 11.7 percent and credit unions 27.8 percent. Mortgage Investors Group was the largest mortgage company, Bank of Tennessee the largest bank and Clinchfield FCU the largest credit union. Among lenders headquartered in Tennessee, Clinchfield FCU led with 35 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 Erwin, TN
By home loans closed in 2025, Clinchfield FCU was the largest mortgage lender in Erwin, Tennessee with 35 loans, about 15.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Erwin, Tennessee in 2025, led by Movement Mortgage, LLC with 8. 18 lenders closed VA loans, led by Mortgage Research Center, and 4 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 10 credit unions closed home loans in Erwin, Tennessee in 2025, alongside 40 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 Erwin, 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 Erwin, 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 Erwin. 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.
