Mortgage Lenders and Brokers in Luray, 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
Luray, Tennessee mortgage lenders include First Community Mortgage, Inc.First Community Mortgage, Inc.2681 Boones Creek Rd, Johnson City, TN 37615A+5.0 ★Texas Ratio: 3.36%, FirstbankFirstbank8398 Us Highway 64, Bartlett, TN 38133A5.0 ★Texas Ratio: 7.51%, Community BankCommunity Bank1007 Us Highway 45 N, Henderson, TN 38340A+5.0 ★Texas Ratio: 5.60%, Leaders Credit UnionLeaders Credit Union5530 Airline Rd, Arlington, TN 38002A+5.0 ★Texas Ratio: 4.77%, The Peoples BankThe Peoples Bank573 E Main St, Henderson, TN 38340A5.0 ★Texas Ratio: 13.17%, Carroll Bank and TrustCarroll Bank and Trust133 E Main St, Bradford, TN 38316A5.0 ★Texas Ratio: 13.53%, Simmons BankSimmons Bank5810 Airline Rd, Arlington, TN 38002A+5.0 ★Texas Ratio: 5.33%, Regions BankRegions Bank216 S Calderwood St, Alcoa, TN 37701A+5.0 ★Texas Ratio: 4.37%, Southeast Financial Credit UnionSoutheast Financial Credit Union1878 Congress Pkwy S, Athens, TN 37303A+5.0 ★Texas Ratio: 0.98%, and Legends BankLegends Bank533 S Main St, Ashland City, TN 37015A+5.0 ★Texas Ratio: 0.00%. 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 Luray, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Luray 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 Luray, Tennessee
Market share is the lender's share of all home loans closed in Luray, 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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2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA, VA, USDA | 14 | 14.7% | 95.2% | $206,428 | View |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA, VA, HELOC | 9 +8 HELOCs |
9.5% | 57.9% | $142,777 | View |
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1007 Us Highway 45 N, Henderson, TN 38340 A+5.0 ★Texas Ratio: 5.60% |
Conventional | 7 | 7.4% | 77.8% | $176,428 | View |
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5530 Airline Rd, Arlington, TN 38002 A+5.0 ★Texas Ratio: 4.77% |
Conventional, VA, USDA, HELOC | 6 +7 HELOCs |
6.3% | 85.7% | $315,000 | View |
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573 E Main St, Henderson, TN 38340 A5.0 ★Texas Ratio: 13.17% |
Conventional | 4 | 4.2% | 80% | $110,000 | View |
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133 E Main St, Bradford, TN 38316 A5.0 ★Texas Ratio: 13.53% |
Conventional | 3 | 3.2% | 100% | $295,000 | View |
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5810 Airline Rd, Arlington, TN 38002 A+5.0 ★Texas Ratio: 5.33% |
Conventional, HELOC | 1 +2 HELOCs |
1.1% | 25% | $295,000 | View |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +1 HELOCs |
1.1% | 50% | $205,000 | View |
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1878 Congress Pkwy S, Athens, TN 37303 A+5.0 ★Texas Ratio: 0.98% |
Conventional | 1 | 1.1% | 100% | $285,000 | View |
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533 S Main St, Ashland City, TN 37015 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 1.1% | 100% | $115,000 | View |
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119 Main Street, Adamsville, TN 38310 A5.0 ★Texas Ratio: 9.59% |
Conventional | 1 | 1.1% | 100% | $625,000 | View |
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11624 Highway 51 S, Atoka, TN 38004 A+5.0 ★Texas Ratio: 0.35% |
Conventional | 1 | 1.1% | 100% | $345,000 | View |
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1489 E Main St, Brownsville, TN 38012 A5.0 ★Texas Ratio: 11.40% |
Conventional | 1 | 1.1% | 100% | $155,000 | View |
21St Mortgage
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Conventional | 4 | 4.2% | 50% | $180,000 | |
Mortgage Investors Group
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FHA, VA | 2 | 2.1% | 100% | $180,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 2.1% | 20% | $95,000 | |
United Wholesale Mortgage
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FHA, VA | 6 | 6.3% | 100% | $283,333 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA | 5 | 5.3% | 55.6% | $157,000 | View |
Mortgage Research Center
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VA | 4 | 4.2% | 57.1% | $350,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 2.1% | 50% | $165,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 2.1% | 75% | $105,000 | |
First Colony Mortgage Corporat
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Conventional | 2 | 2.1% | 100% | $145,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 2.1% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
1.1% | 33.3% | $15,000 | |
Newrez LLC
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VA | 1 | 1.1% | 100% | $395,000 | |
Guild Mortgage Company
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Conventional | 1 | 1.1% | 100% | $115,000 | |
Cmg Mortgage Inc
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VA | 1 | 1.1% | 100% | $335,000 | |
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A5.0 ★Texas Ratio: 9.76% |
Conventional | 1 | 1.1% | 100% | $35,000 | View |
Click n' Close, Inc.
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USDA | 1 | 1.1% | 100% | $175,000 | |
Planet Home Lending, LLC
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FHA | 1 | 1.1% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.1% | 100% | $595,000 | View |
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A5.0 ★Texas Ratio: 8.17% |
FHA | 1 | 1.1% | 100% | $195,000 | View |
Prosperity Home Mortgage, LLC
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VA | 1 | 1.1% | 100% | $305,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 1.1% | 100% | $345,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 1.1% | 50% | $515,000 | |
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A5.0 ★Texas Ratio: 9.09% |
USDA | 1 | 1.1% | 100% | $185,000 | View |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 1.1% | 100% | $275,000 | |
Cadence Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Luray 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 Luray, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Luray? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Luray in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Luray, TN
Use these to narrow the list above. Each category shows how many Luray, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Luray, TN
Independent mortgage companies closed 44.2 percent of home loans in Luray, Tennessee in 2025, banks 46.3 percent and credit unions 9.5 percent. 21St Mortgage was the largest mortgage company, First Community Mortgage, Inc. the largest bank and Leaders Credit Union the largest credit union. Among lenders headquartered in Tennessee, First Community Mortgage, Inc. led with 14 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 Luray, TN
By home loans closed in 2025, First Community Mortgage, Inc. was the largest mortgage lender in Luray, Tennessee with 14 loans, about 14.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Luray, Tennessee in 2025, led by First Community Mortgage, Inc. with 3. 10 lenders closed VA loans, led by United Wholesale Mortgage, 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. 13 banks and 4 credit unions closed home loans in Luray, Tennessee in 2025, alongside 22 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 Luray, 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 Luray, 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 Luray. 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.
