Mortgage Lenders and Brokers in Gainesboro, 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
Gainesboro, Tennessee mortgage lenders include First Freedom BankFirst Freedom Bank307 E Hull Ave, Gainesboro, TN 38562A+5.0 ★Texas Ratio: 3.26%, Wellworth BankWellworth Bank116 S Grundy Quarles Hwy, Gainesboro, TN 38562A5.0 ★Texas Ratio: 9.78%, Citizens BankCitizens Bank844 Volunteer Pkwy, Bristol, TN 37620A5.0 ★Texas Ratio: 6.25%, US Bank, N.A.US Bank, N.A.929 Bell Rd, Antioch, TN 37013A+5.0 ★Texas Ratio: 2.85%, FirstbankFirstbank8398 Us Highway 64, Bartlett, TN 38133A5.0 ★Texas Ratio: 7.51%, Wilson Bank and TrustWilson Bank and Trust306 Brush Creek Rd, Alexandria, TN 37012A+5.0 ★Texas Ratio: 4.75%, One Bank of TennesseeOne Bank of Tennessee404 Main St, Baxter, TN 38544A+5.0 ★Texas Ratio: 0.10%, SmartbankSmartbank109 Associates Blvd, Alcoa, TN 37701A+5.0 ★Texas Ratio: 1.74%, Builtwell BankBuiltwell Bank219 Ward St, Benton, TN 37307A+5.0 ★Texas Ratio: 2.72%, 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 Gainesboro, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gainesboro 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 Gainesboro, Tennessee
Market share is the lender's share of all home loans closed in Gainesboro, 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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1 office in Gainesboro 307 E Hull Ave, Gainesboro, TN 38562 A+5.0 ★Texas Ratio: 3.26% |
Conventional | 2 | 1.4% | 100% | $80,000 | View |
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116 S Grundy Quarles Hwy, Gainesboro, TN 38562 A5.0 ★Texas Ratio: 9.78% |
Conventional, HELOC | 6 +22 HELOCs |
4.3% | 100% | $165,000 | View |
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844 Volunteer Pkwy, Bristol, TN 37620 A5.0 ★Texas Ratio: 6.25% |
Conventional | 4 | 2.9% | 100% | $225,000 | View |
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929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 3 +3 HELOCs |
2.2% | 100% | $61,666 | View |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
Conventional, HELOC | 3 +2 HELOCs |
2.2% | 100% | $188,333 | View |
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306 Brush Creek Rd, Alexandria, TN 37012 A+5.0 ★Texas Ratio: 4.75% |
Conventional, HELOC | 2 +3 HELOCs |
1.4% | 100% | $360,000 | View |
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404 Main St, Baxter, TN 38544 A+5.0 ★Texas Ratio: 0.10% |
Conventional | 2 | 1.4% | 100% | $60,000 | View |
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109 Associates Blvd, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 1.74% |
Conventional, HELOC | 1 +2 HELOCs |
0.7% | 100% | $335,000 | View |
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219 Ward St, Benton, TN 37307 A+5.0 ★Texas Ratio: 2.72% |
Conventional | 1 | 0.7% | 100% | $65,000 | View |
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5500 Maryland Way, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.83% |
Conventional | 1 | 0.7% | 100% | $185,000 | View |
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1878 Congress Pkwy S, Athens, TN 37303 A+5.0 ★Texas Ratio: 0.98% |
Conventional | 1 | 0.7% | 100% | $125,000 | View |
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4641 Nashville Hwy, Chapel Hill, TN 37034 A+5.0 ★Texas Ratio: 0.58% |
Conventional | 1 | 0.7% | 100% | $185,000 | View |
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★ 5 stars, 1 review 112 S Hall Rd, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
HELOC | 0 +1 HELOCs |
0% | 33.3% | View | |
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782 Old Hickory Blvd, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.35% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
21St Mortgage
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Conventional | 5 | 3.6% | 38.5% | $145,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 4 | 2.9% | 57.1% | $177,500 | |
Mortgage Investors Group
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VA | 1 | 0.7% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA, VA | 14 | 10.1% | 70% | $221,428 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 9 | 6.5% | 90% | $213,888 | |
Mason-McDuffie Mortgage Corporation
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Conventional, FHA, VA | 9 | 6.5% | 100% | $186,111 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 6 | 4.3% | 100% | $135,000 | |
Farm Credit Mid-America, Aca
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Conventional | 6 | 4.3% | 85.7% | $320,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 5 | 3.6% | 83.3% | $159,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 2.9% | 100% | $255,000 | |
Newrez LLC
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VA | 3 | 2.2% | 100% | $415,000 | |
Guild Mortgage Company
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Conventional, FHA | 3 | 2.2% | 100% | $308,333 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 3 | 2.2% | 100% | $265,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 3 | 2.2% | 100% | $141,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 2.2% | 100% | $218,333 | |
Premier Mortgage Resources, LLC
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Conventional, FHA | 2 | 1.4% | 100% | $105,000 | |
American Financial Resources LLC
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Conventional, VA | 2 | 1.4% | 66.7% | $305,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 1.4% | 100% | $235,000 | |
Everett Financial, Inc.
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Conventional, FHA | 2 | 1.4% | 100% | $125,000 | |
AmeriHome Mortgage Company, LLC
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FHA, VA | 2 | 1.4% | 100% | $325,000 | |
Success Mortgage Partners, Inc
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Conventional, FHA | 2 | 1.4% | 100% | $315,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 1.4% | 100% | $110,000 | |
Mortgage Research Center
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VA | 2 | 1.4% | 50% | $240,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 1.4% | 100% | $195,000 | |
SWBC Mortgage Corporation
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FHA | 1 | 0.7% | 100% | $305,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.7% | 100% | $135,000 | |
Kind Lending, LLC
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FHA | 1 | 0.7% | 100% | $235,000 | |
Movement Mortgage, LLC
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FHA | 1 | 0.7% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 0.7% | 100% | $325,000 | View |
Amerisave Mortgage Company
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Conventional | 1 | 0.7% | 33.3% | $55,000 | |
Homestead Funding Corp.
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Conventional | 1 | 0.7% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 3.97% |
Conventional | 1 | 0.7% | 100% | $455,000 | View |
Credit Human Federal Credit Un
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Conventional | 1 | 0.7% | 50% | $115,000 | |
American Financing Corporation
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Conventional | 1 | 0.7% | 33.3% | $265,000 | |
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A+5.0 ★Texas Ratio: 5.26% |
Conventional | 1 | 0.7% | 100% | $145,000 | View |
Intelliloan, Inc.
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FHA | 1 | 0.7% | 100% | $315,000 | |
Embrace Home Loans, Inc.
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FHA | 1 | 0.7% | 100% | $145,000 | |
Nations Lending Corporation
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FHA | 1 | 0.7% | 50% | $345,000 | |
Carrington Mortgage Services LLC
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VA | 1 | 0.7% | 100% | $145,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.7% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Gainesboro 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 Gainesboro, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Gainesboro? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Gainesboro in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Gainesboro, TN
Use these to narrow the list above. Each category shows how many Gainesboro, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Gainesboro, TN
Independent mortgage companies closed 76.3 percent of home loans in Gainesboro, Tennessee in 2025, banks 20.1 percent and credit unions 3.6 percent. 21St Mortgage was the largest mortgage company, First Freedom Bank the largest bank and Southeast Financial Credit Union the largest credit union. Among lenders headquartered in Tennessee, First Freedom Bank led with 2 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 Gainesboro, TN
By home loans closed in 2025, First Freedom Bank was the largest mortgage lender in Gainesboro, Tennessee with 2 loans, about 1.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
23 lenders closed FHA loans in Gainesboro, Tennessee in 2025, led by United Wholesale Mortgage with 4. 14 lenders closed VA loans, led by Newrez LLC, and 1 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 4 credit unions closed home loans in Gainesboro, Tennessee in 2025, alongside 37 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 Gainesboro, 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 Gainesboro, 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 Gainesboro. 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.
