Mortgage Lenders and Brokers in Harrogate, 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
Harrogate, Tennessee mortgage lenders include Hearthside Bank CorporationHearthside Bank Corporation111 Washington Ave, Harrogate, TN 37752A+5.0 ★Texas Ratio: 2.76%, Commercial BankCommercial Bank7100 Cumberland Gap Pkwy, Harrogate, TN 37752A+5.0 ★Texas Ratio: 2.83%, Peoples Bank of the SouthPeoples Bank of the South2152 N Charles G Seivers Blvd, Clinton, TN 37716A5.0 ★Texas Ratio: 6.15%, Community Trust Bank, Inc.Community Trust Bank, Inc.2106 N Charles G Seivers Blvd, Clinton, TN 37716A+5.0 ★Texas Ratio: 3.53%, Renasant BankRenasant Bank6671 Summer Ave, Bartlett, TN 38134A+5.0 ★Texas Ratio: 4.72%, FirstbankFirstbank8398 Us Highway 64, Bartlett, TN 38133A5.0 ★Texas Ratio: 7.51%, Y-12 Federal Credit UnionY-12 Federal Credit Union450 N Charles G Seivers Blvd, Clinton, TN 37716 3730A+5.0 ★Texas Ratio: 3.67%, First Community Mortgage, Inc.First Community Mortgage, Inc.2681 Boones Creek Rd, Johnson City, TN 37615A+5.0 ★Texas Ratio: 3.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA11849 Crawford Pines Dr, Arlington, TN 38002A+5.0 ★Texas Ratio: 3.68%, and First Century BankFirst Century Bank6946 Cumberland Gap Pkwy, Harrogate, TN 37752A+5.0 ★Texas Ratio: 0.70%. 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 Harrogate, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Harrogate 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 Harrogate, Tennessee
Market share is the lender's share of all home loans closed in Harrogate, 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 Harrogate 111 Washington Ave, Harrogate, TN 37752 A+5.0 ★Texas Ratio: 2.76% |
Conventional | 10 | 7.5% | 75% | $249,000 | View |
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7100 Cumberland Gap Pkwy, Harrogate, TN 37752 A+5.0 ★Texas Ratio: 2.83% |
Conventional | 10 | 7.5% | 90.9% | $132,000 | View |
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2152 N Charles G Seivers Blvd, Clinton, TN 37716 A5.0 ★Texas Ratio: 6.15% |
Conventional | 7 | 5.2% | 100% | $96,428 | View |
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2106 N Charles G Seivers Blvd, Clinton, TN 37716 A+5.0 ★Texas Ratio: 3.53% |
Conventional | 7 | 5.2% | 87.5% | $212,142 | View |
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6671 Summer Ave, Bartlett, TN 38134 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, VA | 5 | 3.7% | 100% | $159,000 | View |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA | 5 | 3.7% | 54.5% | $235,000 | View |
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450 N Charles G Seivers Blvd, Clinton, TN 37716 3730 A+5.0 ★Texas Ratio: 3.67% |
Conventional, HELOC | 2 +1 HELOCs |
1.5% | 40% | $215,000 | View |
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2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA | 2 | 1.5% | 100% | $345,000 | View |
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11849 Crawford Pines Dr, Arlington, TN 38002 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.5% | 100% | $305,000 | View |
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6946 Cumberland Gap Pkwy, Harrogate, TN 37752 A+5.0 ★Texas Ratio: 0.70% |
Conventional | 2 | 1.5% | 66.7% | $175,000 | View |
Ornl Federal Credit Union
103 Hamilton Crossing Dr, Alcoa, TN 37701 |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 50% | $195,000 | |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.7% | 50% | $445,000 | View |
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219 Ward St, Benton, TN 37307 A+5.0 ★Texas Ratio: 2.72% |
Conventional | 1 | 0.7% | 100% | $35,000 | View |
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3634 E Andrew Johnson Hwy, Greeneville, TN 37745 A+5.0 ★Texas Ratio: 0.68% |
Conventional | 1 | 0.7% | 100% | $465,000 | View |
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1113 Hunters Xing, Alcoa, TN 37701 1852 A+5.0 ★Texas Ratio: 2.34% |
Conventional | 1 | 0.7% | 100% | $85,000 | View |
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★ 1 stars, 1 review 9005 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.7% | 50% | $345,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 5 | 3.7% | 16.7% | $103,000 | |
Mortgage Investors Group
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Conventional, FHA | 3 | 2.2% | 100% | $165,000 | |
First State Bank of the Southeast
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Conventional | 2 | 1.5% | 66.7% | $155,000 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA, VA | 15 | 11.2% | 84.2% | $230,333 | View |
Right Start Mortgage, Inc
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Conventional, FHA | 5 | 3.7% | 100% | $145,000 | |
Mortgage Research Center
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VA | 4 | 3% | 100% | $305,000 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 2.2% | 75% | $268,333 | |
Sierra Pacific Mortgage Co. Inc
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FHA, USDA | 3 | 2.2% | 60% | $248,333 | |
United Wholesale Mortgage
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Conventional, VA | 2 | 1.5% | 100% | $415,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 1.5% | 100% | $320,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional, VA | 2 | 1.5% | 100% | $440,000 | View |
American Pacific Mortgage Corporation
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Conventional, USDA | 2 | 1.5% | 100% | $355,000 | |
New American Funding, LLC.
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Conventional | 2 | 1.5% | 100% | $155,000 | |
Village Capital & Investment
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FHA, VA | 2 | 1.5% | 100% | $305,000 | |
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B+4.3 ★Texas Ratio: 5.52% |
Conventional | 1 | 0.7% | 100% | $115,000 | View |
American Financial Resources LLC
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FHA | 1 | 0.7% | 100% | $235,000 | |
Primelending
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USDA | 1 | 0.7% | 100% | $175,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.7% | 100% | $145,000 | |
Kind Lending, LLC
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FHA | 1 | 0.7% | 100% | $165,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.7% | 100% | $295,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.7% | 33.3% | $45,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.7% | 100% | $325,000 | |
Discover Bank
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Conventional | 1 | 0.7% | 33.3% | $35,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.7% | 100% | $145,000 | View |
Sun West Mortgage Company, Inc
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USDA | 1 | 0.7% | 100% | $235,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.7% | 16.7% | $245,000 | |
ClearPath Lending
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VA | 1 | 0.7% | 100% | $225,000 | |
3rd Street Financial Corp
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FHA | 1 | 0.7% | 100% | $355,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.7% | 33.3% | $305,000 | View |
Farmers and Miners Bank
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Conventional | 1 | 0.7% | 100% | $35,000 | |
Genway Home Mortgage, Inc.
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FHA | 1 | 0.7% | 100% | $215,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.7% | 100% | $245,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.7% | 100% | $105,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.7% | 50% | $335,000 | View |
Fairway Independent Mort Corp
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USDA | 1 | 0.7% | 100% | $235,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.7% | 100% | $315,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.7% | 100% | $185,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.7% | 100% | $145,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Harrogate 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 Harrogate, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Harrogate? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Harrogate in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Harrogate, TN
Use these to narrow the list above. Each category shows how many Harrogate, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Harrogate, TN
Independent mortgage companies closed 46.3 percent of home loans in Harrogate, Tennessee in 2025, banks 48.5 percent and credit unions 5.2 percent. Vanderbilt Mortgage and Finance, Inc was the largest mortgage company, Hearthside Bank Corporation the largest bank and Y-12 Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, Commercial Bank led with 10 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 Harrogate, TN
By home loans closed in 2025, Hearthside Bank Corporation was the largest mortgage lender in Harrogate, Tennessee with 10 loans, about 7.5 percent of the market. The largest lender headquartered in Tennessee was Commercial Bank with 10 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Harrogate, Tennessee in 2025, led by Firstbank with 3. 11 lenders closed VA loans, led by Rocket Mortgage, and 5 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. 23 banks and 6 credit unions closed home loans in Harrogate, 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 Harrogate, 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 Harrogate, 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 Harrogate. 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.
