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Mortgage Lenders and Brokers in Johnson City, Tennessee

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Johnson City, Tennessee mortgage lenders include Bank of TennesseeBank of Tennessee1254 Milligan Hwy, Johnson City, TN 37601A+5.0 ★Texas Ratio: 4.09%, First Horizon BankFirst Horizon Bank1500 W State Of Franklin Rd, Johnson City, TN 37604A+5.0 ★Texas Ratio: 5.76%, Regions BankRegions Bank1212 E Watauga Ave, Johnson City, TN 37601A+5.0 ★Texas Ratio: 4.37%, Eclipse Bank IncEclipse Bank Inc203 Broyles Dr, Johnson City, TN 37601A+5.0 ★Texas Ratio: 3.43%, TruPoint BankTruPoint Bank709 Med Tech Pkwy, Johnson City, TN 37604A+5.0 ★Texas Ratio: 0.13%, Truist BankTruist Bank207 Mockingbird Ln, Johnson City, TN 37604A+5.0 ★Texas Ratio: 2.87%, Select Seven Federal Credit UnionSelect Seven Federal Credit Union333 E Main St, Johnson City, TN 37601A+5.0 ★Texas Ratio: 0.98%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust916 N State Of Franklin Rd, Johnson City, TN 37604A5.0 ★Texas Ratio: 7.72%, The Bank of MarionThe Bank of Marion2867 Boones Creek Rd, Johnson City, TN 37615A5.0 ★Texas Ratio: 8.87%, and HomeTrust BankHomeTrust Bank862 Med Tech Pkwy, Johnson City, TN 37604A+5.0 ★Texas Ratio: 5.53%. 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 Johnson City, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Johnson 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 Johnson City, Tennessee

Market share is the lender's share of all home loans closed in Johnson 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
Bank of Tennessee 4 offices in Johnson City 1254 Milligan Hwy, Johnson City, TN 37601 A+5.0 ★Texas Ratio: 4.09%	Conventional, FHA, Jumbo	38	2%	80.4%	$270,526	View
First Horizon Bank ★ 5 stars, 1 review 3 offices in Johnson City 1500 W State Of Franklin Rd, Johnson City, TN 37604 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo, HELOC	27 +47 HELOCs	1.4%	84.4%	$330,185	View
Regions Bank 2 offices in Johnson City 1212 E Watauga Ave, Johnson City, TN 37601 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, HELOC	19 +39 HELOCs	1%	61.5%	$219,210	View
Eclipse Bank Inc 1 office in Johnson City 203 Broyles Dr, Johnson City, TN 37601 A+5.0 ★Texas Ratio: 3.43%	Conventional	12	0.6%	92.3%	$363,333	View
TruPoint Bank 1 office in Johnson City 709 Med Tech Pkwy, Johnson City, TN 37604 A+5.0 ★Texas Ratio: 0.13%	Conventional	11	0.6%	91.7%	$177,727	View
Truist Bank ★ 1 stars, 1 review 2 offices in Johnson City 207 Mockingbird Ln, Johnson City, TN 37604 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	8 +31 HELOCs	0.4%	80%	$326,250	View
Select Seven Federal Credit Union 333 E Main St, Johnson City, TN 37601 A+5.0 ★Texas Ratio: 0.98%	Conventional	7	0.4%	100%	$192,142	View
First Ciitizens Bank and Trust 1 office in Johnson City 916 N State Of Franklin Rd, Johnson City, TN 37604 A5.0 ★Texas Ratio: 7.72%	Conventional, VA, HELOC	6 +3 HELOCs	0.3%	85.7%	$341,666	View
The Bank of Marion 1 office in Johnson City 2867 Boones Creek Rd, Johnson City, TN 37615 A5.0 ★Texas Ratio: 8.87%	Conventional	5	0.3%	83.3%	$283,000	View
HomeTrust Bank 2 offices in Johnson City 862 Med Tech Pkwy, Johnson City, TN 37604 A+5.0 ★Texas Ratio: 5.53%	Conventional, HELOC	4 +15 HELOCs	0.2%	100%	$327,500	View
Renasant Bank 1 office in Johnson City 105 W King St, Johnson City, TN 37604 A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA, HELOC	2 +4 HELOCs	0.1%	100%	$385,000	View
First Community Bank 2 offices in Johnson City 2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36%	Conventional	1	0.1%	100%	$155,000	View
Mountain Commerce Bank	Conventional, Jumbo	5	0.3%	83.3%	$765,000
Eastman Credit Union 113 Broyles Dr, Johnson City, TN 37601 A+5.0 ★Texas Ratio: 1.56%	Conventional, Jumbo, HELOC	296 +278 HELOCs	15.3%	76.5%	$225,743	View
Elizabethton Federal Savings Bank 1190 W State Of Franklin Rd, Johnson City, TN 37604 A+5.0 ★Texas Ratio: 0.47%	Conventional, Jumbo	35	1.8%	100%	$340,142	View
Consumer Credit Union 1919 N Roan St, Johnson City, TN 37601 A+5.0 ★Texas Ratio: 0.68%	Conventional, Jumbo	13	0.7%	88.2%	$335,000	View
Appalachian Community Federal Credit Union 3101 Peoples St, Johnson City, TN 37604 A+5.0 ★Texas Ratio: 1.81%	Conventional	13	0.7%	86.7%	$125,000	View
Citizens Bank 3028 Peoples St, Johnson City, TN 37604 A+5.0 ★Texas Ratio: 5.44%	Conventional	12	0.6%	100%	$243,333	View
Knoxville TVA Employees Credit Union 2004 N Roan St, Johnson City, TN 37601 A+5.0 ★Texas Ratio: 2.34%	Conventional, HELOC	9 +8 HELOCs	0.5%	100%	$163,888	View
Wells Fargo Bank NA 9059 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 5.36%	Conventional	8	0.4%	100%	$372,500	View
First Community Mortgage, Inc. 2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36%	Conventional, FHA	7	0.4%	100%	$220,714	View
CU Community, LLC 1007 Us Highway 45 N, Henderson, TN 38340	Conventional	6	0.3%	100%	$231,666
US Bank, N.A. 929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	5 +1 HELOCs	0.3%	71.4%	$149,000	View
Fifth Third Bank, National Association 5000 Maryland Way, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo, HELOC	5 +1 HELOCs	0.3%	71.4%	$723,000	View
Northeast Community Credit Union 313 W Oakland Ave, Johnson City, TN 37604 A+5.0 ★Texas Ratio: 5.14%	Conventional	5	0.3%	100%	$167,000	View
Andrew Johnson Bank 2105 W Mountcastle Dr, Johnson City, TN 37604 A5.0 ★Texas Ratio: 6.04%	Conventional	5	0.3%	100%	$275,000	View
Bank of America NA 6186 Stage Rd, Bartlett, TN 38134 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	4 +17 HELOCs	0.2%	100%	$397,500	View
JPMorgan Chase Bank, NA 11849 Crawford Pines Dr, Arlington, TN 38002 A+5.0 ★Texas Ratio: 3.68%	Conventional	3	0.2%	60%	$161,666	View
Clinchfield FCU 1038 N Main Ave, Erwin, TN 37650 A+5.0 ★Texas Ratio: 0.92%	Conventional	3	0.2%	100%	$195,000	View
United Community Bank 1087 Hunters Xing, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	2 +1 HELOCs	0.1%	66.7%	$210,000	View
Heritage Community Bank 1435 70 Bypass, Greeneville, TN 37743 A+5.0 ★Texas Ratio: 0.20%	Conventional	2	0.1%	100%	$440,000	View
Powell Valley National Bank 240 W Center St, Kingsport, TN 37660 A+5.0 ★Texas Ratio: 2.43%	Conventional	2	0.1%	66.7%	$150,000	View
Ornl Federal Credit Union 103 Hamilton Crossing Dr, Alcoa, TN 37701	Conventional	2	0.1%	66.7%	$255,000
Firstbank 8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51%	Conventional	2	0.1%	75%	$200,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 4216 Century Farms Ter, Antioch, TN 37013 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$465,000	View
Studio Bank 1550 W Mcewen Dr Suite 150, Franklin, TN 37067 A5.0 ★Texas Ratio: 11.28%	Conventional	1	0.1%	100%	$105,000	View
Macon Bank and Trust Company 201 Main St, Celina, TN 38551	Conventional	1	0.1%	100%	$705,000
Fed Ex Employees Credit Association 50 Fed Ex Pkwy, Collierville, TN 38017 8711 A+5.0 ★Texas Ratio: 3.13%	Conventional	1	0.1%	100%	$245,000	View
New Peoples Bank, Inc 1999 E Stone Dr, Kingsport, TN 37660 A+5.0 ★Texas Ratio: 3.62%	Conventional	1	0.1%	50%	$385,000	View
Ascend Federal Credit Union 782 Old Hickory Blvd, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.35%	Conventional	1	0.1%	100%	$345,000	View
Pinnacle Bank 5308 Mount View Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 3.04%	HELOC	0 +1 HELOCs	0%	n/a		View
Simmons Bank 5810 Airline Rd, Arlington, TN 38002 A+5.0 ★Texas Ratio: 5.33%	HELOC	0 +1 HELOCs	0%	n/a		View
First South Financial Federal Credit Union 11624 Highway 51 S, Atoka, TN 38004 A+5.0 ★Texas Ratio: 0.35%	HELOC	0 +1 HELOCs	0%	n/a		View
Mortgage Investors Group	Conventional, FHA, VA	37	1.9%	94.9%	$269,054
Vanderbilt Mortgage and Finance, Inc	Conventional	15	0.8%	27.9%	$143,666
21St Mortgage	Conventional	14	0.7%	51.9%	$100,000
Kingsport Press Credit Unioin	Conventional	2	0.1%	100%	$355,000
Churchill Mortgage Corporation	Conventional	2	0.1%	100%	$200,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	1	0.1%	100%	$915,000	View
Enrichment Federal Credit Unio	Conventional	1	0.1%	100%	$375,000
Ut Federal Credit Union	Conventional	1	0.1%	50%	$75,000
Rocket Mortgage A+5.0 ★Texas Ratio: 2.03%	Conventional, FHA, VA	153	7.9%	81.9%	$222,712	View
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo	137	7.1%	92.7%	$322,226
Movement Mortgage, LLC	Conventional, FHA, VA, USDA, Jumbo, HELOC	131 +5 HELOCs	6.8%	97.4%	$297,366
DHI Mortgage Company, LTD.	Conventional, FHA, VA	80	4.1%	91.1%	$296,125
Cardinal Financial Company, Li	Conventional, FHA, VA	65	3.4%	93.7%	$247,923
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, VA, USDA	51	2.6%	83.6%	$322,450
Freedom Mortgage Corporation	Conventional, FHA, VA	43	2.2%	85.5%	$281,976
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA, USDA	39	2%	95.1%	$313,461
Mortgage Research Center	Conventional, VA, Jumbo	35	1.8%	72.9%	$395,000
Gvc Mortgage, Inc.	Conventional, FHA, VA	34	1.8%	87.2%	$272,647
Pennymac Loan Services LLC	Conventional, FHA, VA	29	1.5%	91.4%	$290,172
Ross Mortgage Corporation	Conventional, FHA, VA	28	1.4%	85.7%	$357,857
Newrez LLC	Conventional, FHA, VA	25	1.3%	100%	$285,400
Kind Lending, LLC	Conventional, FHA, VA, Jumbo	19	1%	90.9%	$317,105
Guild Mortgage Company	Conventional, FHA, VA	19	1%	91.3%	$260,263
New American Funding, LLC.	Conventional, FHA, VA, USDA, Jumbo, HELOC	17 +2 HELOCs	0.9%	81%	$278,529
Cmg Mortgage Inc	Conventional, FHA, VA, USDA	16	0.8%	100%	$256,250
Nationstar Mortgage	Conventional, FHA, VA	16	0.8%	84.2%	$168,125
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	13 +2 HELOCs	0.7%	81.2%	$255,000
loanDepot.com LLC	Conventional, FHA, VA	13	0.7%	68.4%	$250,384
Everett Financial, Inc.	Conventional, FHA, VA	12	0.6%	100%	$400,000
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional, FHA	12	0.6%	100%	$242,500	View
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	11	0.6%	73.3%	$375,909	View
Mutual of Omaha Mortgage	Conventional, FHA, VA	11	0.6%	78.6%	$362,272
First Bank and Trust Company	Conventional, HELOC	10 +8 HELOCs	0.5%	83.3%	$289,000
CrossCountry Mortgage, LLC	Conventional, FHA, VA	10	0.5%	91.7%	$230,000
Guaranteed Rate, Inc.	Conventional, FHA, VA, USDA	8	0.4%	100%	$343,750
Amerisave Mortgage Company	Conventional, FHA	8	0.4%	24.2%	$102,500
American Pacific Mortgage Corporation	Conventional, VA	7	0.4%	100%	$243,571
Top Flite Financial, Inc.	Conventional, FHA	7	0.4%	100%	$197,857
Spring Eq, LLC	Conventional, HELOC	6 +2 HELOCs	0.3%	42.9%	$88,333
Lakeview Loan Servicing, LLC	Conventional, VA	6	0.3%	57.1%	$238,333
Summit Funding.Inc	Conventional	6	0.3%	100%	$290,000
American Financial Resources LLC	Conventional, FHA, VA	5	0.3%	100%	$219,000
Resicentral LLC	Conventional	5	0.3%	100%	$203,000
Sun West Mortgage Company, Inc	FHA, VA	5	0.3%	87.5%	$241,000
Lower, LLC	Conventional, FHA, VA	5	0.3%	83.3%	$391,000
Farm Credit Mid-America, Aca	Conventional	5	0.3%	41.7%	$369,000
Carrington Mortgage Services LLC	Conventional, VA	5	0.3%	66.7%	$271,000
Loanunited.Com, LLC	FHA, VA	4	0.2%	100%	$320,000
AdvantageFirst Lending Inc	FHA, VA	4	0.2%	100%	$330,000
American Financing Corporation	Conventional, FHA	4	0.2%	66.7%	$170,000
Union Home Mortgage Corp.	Conventional, FHA	4	0.2%	80%	$260,000
Fairway Independent Mort Corp	Conventional, FHA	4	0.2%	100%	$200,000
Village Capital & Investment	FHA, VA	4	0.2%	60%	$322,500
State Employees' Credit Union	Conventional	3	0.2%	100%	$261,666
Liberty Federal Credit Union	Conventional, VA	3	0.2%	100%	$371,666
New Day Financial, LLC.	VA	3	0.2%	40%	$235,000
Milend, Inc A5.0 ★Texas Ratio: 8.17%	FHA, VA	3	0.2%	75%	$201,666	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	3	0.2%	60%	$175,000	View
Better Mortgage Corporation	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.1%	40%	$905,000
Nbkc Bank	Conventional, FHA	2	0.1%	50%	$265,000
Equity Prime Mortgage LLC	FHA	2	0.1%	40%	$175,000
Guidance Residential, LLC	Conventional	2	0.1%	100%	$615,000
PHH Mortgage Corporation	Conventional	2	0.1%	100%	$210,000
United Trust Bank	FHA, VA	2	0.1%	100%	$305,000
Deephaven Mortgage LLC	Conventional	2	0.1%	100%	$390,000
American Financial Network, Inc.	FHA	2	0.1%	66.7%	$185,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	FHA, VA	2	0.1%	66.7%	$225,000	View
Oconee State Bank B4.5 ★Texas Ratio: 21.44%	Conventional	2	0.1%	50%	$520,000	View
AmWest Funding Corp	Conventional	2	0.1%	100%	$235,000
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	2	0.1%	100%	$450,000	View
Flat Branch Mortgage, Inc.	Conventional, VA	2	0.1%	100%	$300,000
Weichert Financial Services	Conventional	2	0.1%	100%	$410,000
Planet Home Lending, LLC	Conventional, VA	2	0.1%	66.7%	$245,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	2	0.1%	100%	$285,000	View
Stockton Mortgage Corporation	FHA, VA	2	0.1%	75%	$230,000
Towne Mortgage Company	Conventional, FHA	2	0.1%	100%	$120,000
Mortgage Solutions of Colorado	VA	2	0.1%	100%	$305,000
Citadel Servicing Corporation	Conventional	2	0.1%	100%	$320,000
Zillow Home Loans, LLC	Conventional, FHA	2	0.1%	100%	$395,000
Prosperity Home Mortgage, LLC	FHA	2	0.1%	100%	$240,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.1%	100%	$460,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA, Jumbo	2	0.1%	66.7%	$820,000	View
Paramount Residential Mortgage	Conventional, VA	2	0.1%	100%	$530,000
Angel Oak Mortgage Solutions LLC	Conventional	2	0.1%	100%	$275,000
Reliance First Capital, LLC	Conventional, FHA	2	0.1%	100%	$195,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	2	0.1%	66.7%	$225,000	View
Loan Simple, Inc.	Conventional, FHA	2	0.1%	100%	$255,000
Umb Bank NA A+5.0 ★Texas Ratio: 1.78%	Conventional	2	0.1%	100%	$590,000	View
HomeBridge Financial Services, Inc	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$345,000
Cadence Bank	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$385,000
The Loan Store, Inc	Conventional, HELOC	1 +1 HELOCs	0.1%	66.7%	$305,000
Polaris Home Funding Corp.	VA	1	0.1%	100%	$235,000
Genisys Credit Union	Conventional	1	0.1%	100%	$435,000
Guaranteed Rate Affinity, LLC	Conventional	1	0.1%	100%	$545,000
American Airlines Federal Cred	Conventional	1	0.1%	100%	$195,000
Primary Residential Mortgage, INC.	Conventional	1	0.1%	100%	$305,000
Fulton Bank, National Association A+5.0 ★Texas Ratio: 4.85%	Conventional	1	0.1%	100%	$205,000	View
Goodleap, LLC	VA	1	0.1%	100%	$225,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.1%	100%	$235,000	View
Gold Star Mortgage Financial Group, Corporation	FHA	1	0.1%	100%	$335,000
Sage Home Loans Corporation	Conventional	1	0.1%	50%	$565,000
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$235,000
ALCOVA Mortgage, LLC	Conventional	1	0.1%	100%	$165,000
Alkan Mortgage Corporation	Conventional	1	0.1%	100%	$185,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	50%	$205,000	View
AmeriHome Mortgage Company, LLC	VA	1	0.1%	100%	$315,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	FHA	1	0.1%	100%	$315,000	View
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	1	0.1%	100%	$415,000	View
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$305,000
Princeton Mortgage Corporation	VA	1	0.1%	100%	$515,000
Eustis Mortgage Corp	Conventional	1	0.1%	100%	$285,000
First Home Mortgage	VA	1	0.1%	100%	$195,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$375,000	View
City National Bank of Florida A5.0 ★Texas Ratio: 7.12%	Conventional	1	0.1%	100%	$355,000	View
Discover Bank	Conventional	1	0.1%	9.1%	$55,000
Das Acquisition Company, LLC	Conventional	1	0.1%	100%	$215,000
Intercoastal Mortgage, LLC	Conventional	1	0.1%	100%	$495,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$195,000
Flexpoint, Inc.	Conventional	1	0.1%	100%	$335,000
Securitynational Mortgage Company	Conventional	1	0.1%	100%	$75,000
Great Southern Bank A+5.0 ★Texas Ratio: 1.55%	Conventional, Jumbo	1	0.1%	100%	$1,125,000	View
Kwik Mortgage Corporation	Conventional	1	0.1%	100%	$295,000
Service Federal Credit Union	Conventional	1	0.1%	100%	$185,000
Nfm, Inc	VA	1	0.1%	100%	$325,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$175,000
Atlantic Bay Mortgage Group	Conventional	1	0.1%	100%	$265,000
Beeline Loans, Inc.	Conventional	1	0.1%	100%	$685,000
Hsbc Bank USA, NA A+5.0 ★Texas Ratio: 4.86%	Conventional	1	0.1%	100%	$295,000	View
Credence Funding Corporation	VA	1	0.1%	100%	$235,000
Suncoast Credit Union	Conventional	1	0.1%	100%	$505,000
Reliable Holdings Manager dba Lendz Financial	Conventional	1	0.1%	100%	$305,000
Provident Funding Associates	Conventional	1	0.1%	100%	$265,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	VA	1	0.1%	100%	$705,000	View
Nations Lending Corporation	FHA	1	0.1%	66.7%	$115,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$705,000	View
Vellum Mortgage, Inc.	Conventional	1	0.1%	100%	$205,000
Waterstone Mortgage Corporation	Conventional	1	0.1%	100%	$105,000
Wolfe Financial Inc	VA	1	0.1%	100%	$425,000
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0.1%	100%	$245,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	100%	$405,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$805,000	View
Empeople Credit Union	Conventional	1	0.1%	100%	$415,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$255,000	View
Colony Bank A+5.0 ★Texas Ratio: 4.01%	VA	1	0.1%	100%	$785,000	View
V.I.P. Mortgage, Inc.	FHA	1	0.1%	100%	$255,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$215,000
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	FHA	1	0.1%	100%	$305,000	View
CIBM Bank A5.0 ★Texas Ratio: 8.91%	Conventional	1	0.1%	100%	$275,000	View
ClearEdge Lending LLC	Conventional	1	0.1%	100%	$445,000
Meadowbrook Financial Mortgage Bankers Corp.	Conventional	1	0.1%	100%	$305,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional	1	0.1%	100%	$225,000	View
RBC Bank (Georgia), N.A.	Conventional	1	0.1%	100%	$555,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$665,000	View
Plaza Home Mortgage, Inc	Conventional	1	0.1%	100%	$395,000
Leaderone Financial Corp.	Conventional	1	0.1%	100%	$205,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$685,000
Champions Funding, LLC	Conventional	1	0.1%	100%	$205,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.1%	100%	$165,000	View
Figure Lending LLC	HELOC	0 +12 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +10 HELOCs	0%	n/a		View
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +4 HELOCs	0%	n/a		View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +3 HELOCs	0%	0%		View
Pentagon Federal Credit Union	HELOC	0 +2 HELOCs	0%	0%
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Johnson City Mortgage Rate Trends

Daily average mortgage rates for Tennessee compared with the national average, updated every evening.

30-Year Fixed TN Avg

7.337%

▲ 0.104 vs 7 days ago

15-Year Fixed TN Avg

6.671%

▲ 0.037 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Johnson City, Tennessee

Looking for mortgage lenders near me or mortgage brokers near me in Johnson City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Johnson City in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Johnson City, TN

Use these to narrow the list above. Each category shows how many Johnson City, TN lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 110 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 73 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 25 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 57 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 59 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 6 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 16 lenders. Loans above the conforming limit for higher priced homes Local lenders based in TN 31 lenders headquartered in Tennessee, the closest thing to a mortgage lender near you

Who Lends in Johnson City, TN

Independent mortgage companies closed 64.6 percent of home loans in Johnson City, Tennessee in 2025, banks 15.6 percent and credit unions 19.8 percent. Mortgage Investors Group was the largest mortgage company, Bank of Tennessee the largest bank and Select Seven Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, Bank of Tennessee led with 38 loans.

64.6%

Mortgage companies

15.6%

Banks

19.8%

Credit unions

13%

FHA loans

15%

VA 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

All Tennessee lenders 1,032 lenders Nashville-Davidson metropolitan government 520 lenders Clarksville 296 lenders Memphis 307 lenders Knoxville 334 lenders Murfreesboro 287 lenders Chattanooga 310 lenders Franklin 258 lenders Lebanon 220 lenders Kingsport 178 lenders Maryville 182 lenders Smyrna 182 lenders Gallatin 212 lenders

Frequently Asked Questions About Mortgage Lenders in Johnson City, TN

Who is the largest mortgage lender in Johnson City, TN?

By home loans closed in 2025, Bank of Tennessee was the largest mortgage lender in Johnson City, Tennessee with 38 loans, about 2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Johnson City, TN have the highest approval rates?

Among lenders with meaningful volume in Johnson City, Tennessee, Movement Mortgage, LLC approved the highest share of completed applications in 2025 at 97.4 percent, against a 82 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Johnson City, TN mortgage lenders offer FHA, VA and USDA loans?

57 lenders closed FHA loans in Johnson City, Tennessee in 2025, led by Rocket Mortgage with 28. 59 lenders closed VA loans, led by United Wholesale Mortgage, and 6 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.

Are credit unions and local banks included in this Johnson City, TN lender list?

Yes. 73 banks and 25 credit unions closed home loans in Johnson City, Tennessee in 2025, alongside 110 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.

How are mortgage lenders in Johnson City, TN ranked on this page?

Lenders are ranked only by the number of home loans they closed in Johnson 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 Johnson 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 Johnson 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.