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Mortgage Lenders and Brokers in Oak Ridge, Tennessee

Content reviewed by

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

Oak Ridge, Tennessee mortgage lenders include Ornl Federal Credit UnionOrnl Federal Credit Union1 Bethel Valley Rd, Oak Ridge, TN 37830, Y-12 Federal Credit UnionY-12 Federal Credit Union501 Lafayette Dr, Oak Ridge, TN 37830 7909A+5.0 ★Texas Ratio: 3.67%, TnbankTnbank900 Oak Ridge Tpke, Oak Ridge, TN 37830A5.0 ★Texas Ratio: 11.47%, Regions BankRegions Bank101 N Rutgers Ave, Oak Ridge, TN 37830A+5.0 ★Texas Ratio: 4.37%, Bank of America NABank of America NA795 Main St W, Oak Ridge, TN 37830A+5.0 ★Texas Ratio: 4.14%, Truist BankTruist Bank1188 Oak Ridge Tpke, Oak Ridge, TN 37830A+5.0 ★Texas Ratio: 2.87%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA235 S Illinois Ave, Oak Ridge, TN 37830A+5.0 ★Texas Ratio: 3.68%, Pinnacle BankPinnacle Bank231 Jackson Sq, Oak Ridge, TN 37830A+5.0 ★Texas Ratio: 3.04%, One Bank of TennesseeOne Bank of Tennessee1298 Oak Ridge Tpke, Oak Ridge, TN 37830A+5.0 ★Texas Ratio: 0.10%, and Enrichment Federal Credit UnioEnrichment Federal Credit UnioOak Ridge, TN. 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 Oak Ridge, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oak Ridge 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 Oak Ridge, Tennessee

Market share is the lender's share of all home loans closed in Oak Ridge, 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
Ornl Federal Credit Union 1 Bethel Valley Rd, Oak Ridge, TN 37830	Conventional, Jumbo, HELOC	30 +37 HELOCs	3.2%	78.2%	$297,000
Y-12 Federal Credit Union 501 Lafayette Dr, Oak Ridge, TN 37830 7909 A+5.0 ★Texas Ratio: 3.67%	Conventional, HELOC	22 +40 HELOCs	2.3%	91.7%	$285,909	View
Tnbank 900 Oak Ridge Tpke, Oak Ridge, TN 37830 A5.0 ★Texas Ratio: 11.47%	Conventional, Jumbo	11	1.2%	91.7%	$294,090	View
Regions Bank 1 office in Oak Ridge 101 N Rutgers Ave, Oak Ridge, TN 37830 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, VA, HELOC	6 +18 HELOCs	0.6%	66.7%	$220,000	View
Bank of America NA 1 office in Oak Ridge 795 Main St W, Oak Ridge, TN 37830 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, HELOC	4 +9 HELOCs	0.4%	100%	$302,500	View
Truist Bank ★ 1 stars, 1 review 1 office in Oak Ridge 1188 Oak Ridge Tpke, Oak Ridge, TN 37830 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	4 +8 HELOCs	0.4%	100%	$200,000	View
JPMorgan Chase Bank, NA 1 office in Oak Ridge 235 S Illinois Ave, Oak Ridge, TN 37830 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	3 +1 HELOCs	0.3%	100%	$338,333	View
Pinnacle Bank 1 office in Oak Ridge 231 Jackson Sq, Oak Ridge, TN 37830 A+5.0 ★Texas Ratio: 3.04%	Conventional, HELOC	2 +1 HELOCs	0.2%	50%	$335,000	View
One Bank of Tennessee 1 office in Oak Ridge 1298 Oak Ridge Tpke, Oak Ridge, TN 37830 A+5.0 ★Texas Ratio: 0.10%	Conventional	2	0.2%	100%	$140,000	View
Enrichment Federal Credit Unio	Conventional, HELOC	18 +2 HELOCs	1.9%	100%	$213,333
Knoxville TVA Employees Credit Union 1113 Hunters Xing, Alcoa, TN 37701 1852 A+5.0 ★Texas Ratio: 2.34%	Conventional, HELOC	13 +15 HELOCs	1.4%	93.8%	$194,230	View
Home Federal Bank of Tennessee 1125 Oak Ridge Tpke, Oak Ridge, TN 37830 A5.0 ★Texas Ratio: 12.75%	Conventional, HELOC	13 +3 HELOCs	1.4%	86.7%	$255,769	View
US Bank, N.A. 929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	12 +4 HELOCs	1.3%	80%	$211,666	View
First Community Mortgage, Inc. 2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36%	Conventional, FHA, VA, Jumbo	10	1.1%	100%	$449,000	View
Knoxville Teachers FCU 304 New York Ave, Oak Ridge, TN 37830 A+5.0 ★Texas Ratio: 3.84%	Conventional	7	0.7%	100%	$172,142	View
United Community Bank 1087 Hunters Xing, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	4 +5 HELOCs	0.4%	100%	$295,000	View
First Horizon Bank ★ 5 stars, 1 review 112 S Hall Rd, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	3 +12 HELOCs	0.3%	100%	$248,333	View
Citizens Bank 844 Volunteer Pkwy, Bristol, TN 37620 A+5.0 ★Texas Ratio: 5.44%	Conventional	3	0.3%	100%	$315,000	View
Fifth Third Bank, National Association 5000 Maryland Way, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	2 +2 HELOCs	0.2%	100%	$290,000	View
Peoples Bank of the South 2152 N Charles G Seivers Blvd, Clinton, TN 37716 A5.0 ★Texas Ratio: 6.15%	Conventional	2	0.2%	100%	$395,000	View
Builtwell Bank 219 Ward St, Benton, TN 37307 A+5.0 ★Texas Ratio: 2.72%	Conventional	2	0.2%	100%	$145,000	View
Commercial Bank 5500 Maryland Way, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.83%	Conventional	2	0.2%	100%	$365,000	View
First Farmers and Commercial Bank 1251 N Main St, Crossville, TN 38555 A+5.0 ★Texas Ratio: 0.50%	Conventional	2	0.2%	100%	$330,000	View
Firstbank 8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51%	Conventional	2	0.2%	100%	$75,000	View
Smartbank 109 Associates Blvd, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 1.74%	Conventional, Jumbo, HELOC	1 +4 HELOCs	0.1%	100%	$1,715,000	View
Simmons Bank 5810 Airline Rd, Arlington, TN 38002 A+5.0 ★Texas Ratio: 5.33%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$325,000	View
Heritage Community Bank 1435 70 Bypass, Greeneville, TN 37743 A+5.0 ★Texas Ratio: 0.20%	Conventional	1	0.1%	100%	$225,000	View
First National Bank of Oneida 250 National Dr, Helenwood, TN 37755	Conventional	1	0.1%	100%	$205,000
Alcoa Tenn. Federal Credit Union 124 N Hall Rd, Alcoa, TN 37701 2648 A+5.0 ★Texas Ratio: 4.23%	Conventional	1	0.1%	100%	$145,000	View
Wells Fargo Bank NA 9059 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 5.36%	Conventional	1	0.1%	50%	$495,000	View
First Financial Bank NA 108 Cumberland St, Ashland City, TN 37015 A+5.0 ★Texas Ratio: 4.65%	Conventional	1	0.1%	100%	$55,000	View
Andrew Johnson Bank 4425 Ocoee St N, Cleveland, TN 37312 A5.0 ★Texas Ratio: 6.04%	Conventional	1	0.1%	100%	$225,000	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	1	0.1%	100%	$385,000	View
First Ciitizens Bank and Trust 1611 Gunbarrel Rd, Chattanooga, TN 37421 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +1 HELOCs	0%	n/a		View
SouthEast Bank 1878 Congress Pkwy S, Athens, TN 37303 A+5.0 ★Texas Ratio: 0.98%	HELOC	0 +1 HELOCs	0%	n/a		View
Ascend Federal Credit Union 782 Old Hickory Blvd, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.35%	HELOC	0 +1 HELOCs	0%	n/a		View
Mortgage Investors Group	Conventional, FHA, VA, Jumbo	107	11.3%	98.2%	$332,476
Vanderbilt Mortgage and Finance, Inc	Conventional	4	0.4%	26.3%	$142,500
Churchill Mortgage Corporation	Conventional	2	0.2%	66.7%	$260,000
Mountain Commerce Bank	Conventional	2	0.2%	100%	$255,000
Ut Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$85,000
Tennessee Valley Federal C U	Conventional	1	0.1%	100%	$205,000
Rocket Mortgage A+5.0 ★Texas Ratio: 2.03%	Conventional, FHA, VA, HELOC	123 +1 HELOCs	12.9%	85.3%	$240,934	View
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo	54	5.7%	90.2%	$387,592
Freedom Mortgage Corporation	Conventional, FHA, VA	28	2.9%	86.5%	$320,357
Pennymac Loan Services LLC	Conventional, FHA, VA	25	2.6%	92.9%	$282,200
Mortgage Research Center	FHA, VA	24	2.5%	82.8%	$360,000
Fairway Independent Mort Corp	Conventional, FHA, VA	23	2.4%	100%	$279,782
Newrez LLC	Conventional, FHA, VA	21	2.2%	87.5%	$408,333
Cmg Mortgage Inc	Conventional, FHA, VA, Jumbo	18	1.9%	100%	$353,888
Nationstar Mortgage	Conventional, VA	16	1.7%	94.4%	$208,125
New American Funding, LLC.	Conventional, FHA, VA	14	1.5%	100%	$253,571
Movement Mortgage, LLC	Conventional, FHA, VA	12	1.3%	85.7%	$272,500
Eustis Mortgage Corp	Conventional, FHA	11	1.2%	100%	$267,727
American Pacific Mortgage Corporation	Conventional, FHA, VA	11	1.2%	100%	$220,454
CrossCountry Mortgage, LLC	Conventional, FHA, VA	10	1.1%	90.9%	$349,000
loanDepot.com LLC	Conventional, FHA, VA	10	1.1%	84.6%	$220,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	9 +4 HELOCs	0.9%	90%	$341,666
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional, VA	7	0.7%	100%	$409,285	View
Amerisave Mortgage Company	Conventional, FHA, VA	7	0.7%	58.3%	$199,285
Stockton Mortgage Corporation	Conventional, FHA	7	0.7%	100%	$316,428
The Loan Store, Inc	Conventional, FHA	7	0.7%	87.5%	$320,714
Ark-La-Tex Financial Services LLC	Conventional, FHA	7	0.7%	100%	$362,142
EMM Loans LLC	Conventional, FHA, VA	5	0.5%	100%	$415,000
Countybank B+4.3 ★Texas Ratio: 5.52%	Conventional, FHA	5	0.5%	100%	$305,000	View
American Financial Resources LLC	Conventional, FHA	5	0.5%	100%	$291,000
Guaranteed Rate, Inc.	Conventional, FHA, VA	5	0.5%	100%	$323,000
Canopy Mortgage, LLC	Conventional	5	0.5%	100%	$353,000
Union Home Mortgage Corp.	Conventional, FHA, VA, USDA	5	0.5%	83.3%	$255,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	5	0.5%	83.3%	$489,000	View
Iserve Residential Lending	FHA	5	0.5%	83.3%	$271,000
Zillow Home Loans, LLC	Conventional, FHA	5	0.5%	100%	$337,000
Goodleap, LLC	Conventional, FHA, HELOC	4 +1 HELOCs	0.4%	100%	$265,000
Discover Bank	Conventional	4	0.4%	36.4%	$75,000
Click n' Close, Inc.	FHA, USDA	4	0.4%	100%	$305,000
American Financing Corporation	Conventional, FHA	4	0.4%	80%	$337,500
Planet Home Lending, LLC	FHA, VA	4	0.4%	100%	$295,000
Mutual of Omaha Mortgage	Conventional, VA	4	0.4%	83.3%	$290,000
Top Flite Financial, Inc.	Conventional, FHA	4	0.4%	100%	$430,000
Spring Eq, LLC	Conventional, HELOC	3 +3 HELOCs	0.3%	75%	$71,666
Lakeview Loan Servicing, LLC	Conventional, FHA	3	0.3%	54.5%	$151,666
Equity Prime Mortgage LLC	FHA, VA	3	0.3%	100%	$261,666
AmeriHome Mortgage Company, LLC	Conventional, FHA	3	0.3%	100%	$261,666
Schumacher Mortgage LLC	Conventional, VA, Jumbo	3	0.3%	100%	$901,666
New Day Financial, LLC.	VA	3	0.3%	75%	$355,000
Waterstone Mortgage Corporation	Conventional	3	0.3%	100%	$238,333
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	3	0.3%	75%	$205,000	View
Lower, LLC	Conventional, FHA, VA	3	0.3%	75%	$251,666
Reliance First Capital, LLC	Conventional, FHA	3	0.3%	100%	$341,666
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	3	0.3%	100%	$198,333	View
Village Capital & Investment	VA	3	0.3%	88.9%	$408,333
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, VA	3	0.3%	100%	$368,333
Everett Financial, Inc.	VA	2	0.2%	100%	$315,000
Nbkc Bank	Conventional	2	0.2%	100%	$390,000
PHH Mortgage Corporation	Conventional, VA	2	0.2%	66.7%	$320,000
Loanunited.Com, LLC	FHA, VA	2	0.2%	66.7%	$310,000
Resicentral LLC	Conventional	2	0.2%	100%	$380,000
Sun West Mortgage Company, Inc	FHA	2	0.2%	100%	$280,000
Das Acquisition Company, LLC	FHA	2	0.2%	100%	$245,000
ClearPath Lending	VA	2	0.2%	100%	$335,000
First Colony Mortgage Corporat	Conventional, FHA	2	0.2%	100%	$180,000
Pentagon Federal Credit Union	VA	2	0.2%	100%	$355,000
Mortgage Solutions of Colorado	FHA, VA	2	0.2%	100%	$355,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, VA	2	0.2%	100%	$235,000	View
DHI Mortgage Company, LTD.	Conventional, FHA	2	0.2%	100%	$405,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	2	0.2%	100%	$355,000	View
Carrington Mortgage Services LLC	VA, Jumbo	2	0.2%	75%	$690,000
Plaza Home Mortgage, Inc	FHA, VA	2	0.2%	66.7%	$450,000
Champions Funding, LLC	Conventional	2	0.2%	100%	$275,000
Liberty Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$795,000
HomeBridge Financial Services, Inc	VA, HELOC	1 +1 HELOCs	0.1%	100%	$465,000
Cornerstone First Mortgage, LLC	VA	1	0.1%	100%	$375,000
Primelending	FHA	1	0.1%	100%	$385,000
Gold Star Mortgage Financial Group, Corporation	Conventional	1	0.1%	100%	$785,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$285,000
MortgageOne, Inc	VA	1	0.1%	100%	$305,000
Gvc Mortgage, Inc.	FHA	1	0.1%	100%	$225,000
Kind Lending, LLC	FHA	1	0.1%	33.3%	$345,000
Dollar Bank, FSB A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0.1%	100%	$495,000	View
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$265,000	View
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	VA	1	0.1%	100%	$235,000	View
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$405,000	View
Guild Mortgage Company	VA	1	0.1%	100%	$505,000
AdvantageFirst Lending Inc	FHA	1	0.1%	50%	$345,000
American Financial Network, Inc.	FHA	1	0.1%	100%	$415,000
Catalyst Mortgage	Conventional	1	0.1%	100%	$285,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$115,000	View
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional	1	0.1%	100%	$135,000	View
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$545,000	View
Success Mortgage Partners, Inc	Conventional	1	0.1%	100%	$235,000
Achieva Credit Union	VA	1	0.1%	100%	$505,000
River Valley AgCredit	Conventional	1	0.1%	100%	$565,000
Northwest Federal Credit Union	Conventional	1	0.1%	100%	$65,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	1	0.1%	100%	$735,000	View
Citizens Equity First Credit U	Conventional	1	0.1%	100%	$205,000
Greenbox Loans	Conventional	1	0.1%	100%	$125,000
Nfm, Inc	FHA	1	0.1%	50%	$405,000
Oceanfirst Bank A+5.0 ★Texas Ratio: 5.26%	Conventional	1	0.1%	100%	$75,000	View
Delta Community Credit Union	Conventional	1	0.1%	100%	$195,000
Cardinal Financial Company, Li	FHA	1	0.1%	100%	$165,000
Embrace Home Loans, Inc.	Conventional	1	0.1%	100%	$225,000
Provident Funding Associates	Conventional	1	0.1%	100%	$265,000
Nations Lending Corporation	Conventional	1	0.1%	100%	$385,000
Wolfe Financial Inc	Conventional	1	0.1%	100%	$245,000
Communityamerica Federal Credit Union	Conventional	1	0.1%	100%	$195,000
Sierra Pacific Mortgage Co. Inc	FHA	1	0.1%	100%	$365,000
Milend, Inc A5.0 ★Texas Ratio: 8.17%	FHA	1	0.1%	100%	$175,000	View
Lake Michigan Credit Union	Conventional	1	0.1%	100%	$455,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$165,000
Towne Mortgage Company	FHA	1	0.1%	100%	$325,000
Tjc Mortgage Inc	Conventional	1	0.1%	100%	$465,000
Better Mortgage Corporation	Conventional	1	0.1%	50%	$55,000
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$125,000
Endeavor Capital, LLC	Conventional	1	0.1%	100%	$165,000
Citadel Servicing Corporation	Conventional, Jumbo	1	0.1%	100%	$1,425,000
Prosperity Home Mortgage, LLC	FHA	1	0.1%	100%	$225,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$165,000	View
Geneva Financial LLC	Conventional	1	0.1%	100%	$155,000
Nmsi, Inc.	Conventional	1	0.1%	100%	$315,000
Right Start Mortgage, Inc	FHA	1	0.1%	100%	$275,000
Farm Credit Mid-America, Aca	Conventional	1	0.1%	50%	$345,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	50%	$505,000	View
Southwest Funding LP	FHA	1	0.1%	100%	$205,000
JMAC Lending, Inc.	Conventional	1	0.1%	100%	$255,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +7 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +7 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +5 HELOCs	0%	n/a
Corning Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Northwest Bank A+5.0 ★Texas Ratio: 1.69%	HELOC	0 +1 HELOCs	0%	n/a		View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +1 HELOCs	0%	0%		View

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.

Oak Ridge 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 Oak Ridge, Tennessee

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

Types of Mortgage Lenders in Oak Ridge, TN

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

Mortgage companies and brokers 97 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 54 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 19 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 61 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 48 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 2 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 10 lenders. Loans above the conforming limit for higher priced homes Local lenders based in TN 30 lenders headquartered in Tennessee, the closest thing to a mortgage lender near you

Who Lends in Oak Ridge, TN

Independent mortgage companies closed 73.6 percent of home loans in Oak Ridge, Tennessee in 2025, banks 14.7 percent and credit unions 11.7 percent. Mortgage Investors Group was the largest mortgage company, Tnbank the largest bank and Ornl Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, Ornl Federal Credit Union led with 30 loans.

73.6%

Mortgage companies

14.7%

Banks

11.7%

Credit unions

20%

FHA loans

16%

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 Johnson City 198 lenders Kingsport 178 lenders Maryville 182 lenders Smyrna 182 lenders

Frequently Asked Questions About Mortgage Lenders in Oak Ridge, TN

Who is the largest mortgage lender in Oak Ridge, TN?

By home loans closed in 2025, Ornl Federal Credit Union was the largest mortgage lender in Oak Ridge, Tennessee with 30 loans, about 3.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Oak Ridge, TN have the highest approval rates?

Among lenders with meaningful volume in Oak Ridge, Tennessee, Mortgage Investors Group approved the highest share of completed applications in 2025 at 98.2 percent, against a 88.1 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 Oak Ridge, TN mortgage lenders offer FHA, VA and USDA loans?

61 lenders closed FHA loans in Oak Ridge, Tennessee in 2025, led by Mortgage Investors Group with 23. 48 lenders closed VA loans, led by Mortgage Research Center, and 2 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 Oak Ridge, TN lender list?

Yes. 54 banks and 19 credit unions closed home loans in Oak Ridge, Tennessee in 2025, alongside 97 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 Oak Ridge, TN ranked on this page?

Lenders are ranked only by the number of home loans they closed in Oak Ridge, 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 Oak Ridge, 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 Oak Ridge. 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.