Mortgage Lenders and Brokers in Oneida, 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
Oneida, Tennessee mortgage lenders include First National Bank of OneidaFirst National Bank of Oneida19260 Alberta St, Oneida, TN 37841, United Cumberland BankUnited Cumberland Bank106 Municipal Dr, Oneida, TN 37841A5.0 ★Texas Ratio: 9.50%, One Bank of TennesseeOne Bank of Tennessee15730 Scott Hwy, Oneida, TN 37841A+5.0 ★Texas Ratio: 0.10%, Peoples Bank of the SouthPeoples Bank of the South2152 N Charles G Seivers Blvd, Clinton, TN 37716A5.0 ★Texas Ratio: 6.15%, Ornl Federal Credit UnionOrnl Federal Credit Union103 Hamilton Crossing Dr, Alcoa, TN 37701, First Community Mortgage, Inc.First Community Mortgage, Inc.2681 Boones Creek Rd, Johnson City, TN 37615A+5.0 ★Texas Ratio: 3.36%, Y-12 Federal Credit UnionY-12 Federal Credit Union450 N Charles G Seivers Blvd, Clinton, TN 37716 3730A+5.0 ★Texas Ratio: 3.67%, Regions BankRegions Bank216 S Calderwood St, Alcoa, TN 37701A+5.0 ★Texas Ratio: 4.37%, Pinnacle BankPinnacle Bank5308 Mount View Rd, Antioch, TN 37013A+5.0 ★Texas Ratio: 3.04%, and Community Trust Bank, Inc.Community Trust Bank, Inc.2106 N Charles G Seivers Blvd, Clinton, TN 37716A+5.0 ★Texas Ratio: 3.53%. 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 Oneida, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oneida 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 Oneida, Tennessee
Market share is the lender's share of all home loans closed in Oneida, 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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First National Bank of Oneida
19260 Alberta St, Oneida, TN 37841 |
Conventional | 29 | 19.3% | 88.9% | $127,068 | |
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1 office in Oneida 106 Municipal Dr, Oneida, TN 37841 A5.0 ★Texas Ratio: 9.50% |
Conventional | 20 | 13.3% | 90.9% | $210,000 | View |
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1 office in Oneida 15730 Scott Hwy, Oneida, TN 37841 A+5.0 ★Texas Ratio: 0.10% |
Conventional | 1 | 0.7% | 50% | $65,000 | View |
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2152 N Charles G Seivers Blvd, Clinton, TN 37716 A5.0 ★Texas Ratio: 6.15% |
Conventional | 5 | 3.3% | 100% | $63,000 | View |
Ornl Federal Credit Union
103 Hamilton Crossing Dr, Alcoa, TN 37701 |
Conventional, HELOC | 4 +4 HELOCs |
2.7% | 100% | $142,500 | |
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2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA | 4 | 2.7% | 100% | $225,000 | View |
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450 N Charles G Seivers Blvd, Clinton, TN 37716 3730 A+5.0 ★Texas Ratio: 3.67% |
Conventional, HELOC | 1 +4 HELOCs |
0.7% | 33.3% | $125,000 | View |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.7% | 100% | $35,000 | View |
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5308 Mount View Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.7% | 100% | $125,000 | View |
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2106 N Charles G Seivers Blvd, Clinton, TN 37716 A+5.0 ★Texas Ratio: 3.53% |
Conventional | 1 | 0.7% | 100% | $205,000 | View |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
Conventional | 1 | 0.7% | 100% | $105,000 | View |
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1113 Hunters Xing, Alcoa, TN 37701 1852 A+5.0 ★Texas Ratio: 2.34% |
Conventional | 1 | 0.7% | 100% | $115,000 | View |
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★ 1 stars, 1 review 9005 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Mortgage Investors Group
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Conventional, FHA, USDA | 7 | 4.7% | 87.5% | $257,857 | |
21St Mortgage
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Conventional | 2 | 1.3% | 40% | $135,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 1.3% | 33.3% | $240,000 | |
Enrichment Federal Credit Unio
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Conventional | 1 | 0.7% | 100% | $295,000 | |
Ut Federal Credit Union
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Conventional | 1 | 0.7% | 100% | $45,000 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA, VA | 10 | 6.7% | 62.5% | $153,000 | View |
Mortgage Research Center
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Conventional, VA | 6 | 4% | 85.7% | $258,333 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 5 | 3.3% | 100% | $321,000 | |
New American Funding, LLC.
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Conventional, FHA, USDA | 4 | 2.7% | 100% | $137,500 | |
Newrez LLC
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Conventional, FHA, VA | 3 | 2% | 75% | $181,666 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 2% | 100% | $151,666 | |
Success Mortgage Partners, Inc
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Conventional, FHA | 3 | 2% | 100% | $151,666 | |
Union Home Mortgage Corp.
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FHA, VA, USDA | 3 | 2% | 100% | $271,666 | |
Greenstate Credit Union
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Conventional | 2 | 1.3% | 100% | $245,000 | |
Canopy Mortgage, LLC
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FHA | 2 | 1.3% | 100% | $235,000 | |
Movement Mortgage, LLC
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Conventional | 2 | 1.3% | 100% | $215,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 2 | 1.3% | 50% | $135,000 | |
RANLife, Inc.
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FHA | 1 | 0.7% | 100% | $245,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.7% | 100% | $185,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.7% | 50% | $535,000 | |
Gvc Mortgage, Inc.
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VA | 1 | 0.7% | 100% | $215,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.7% | 100% | $195,000 | |
Kind Lending, LLC
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USDA | 1 | 0.7% | 100% | $245,000 | |
Loansteady LLC
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FHA | 1 | 0.7% | 100% | $335,000 | |
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D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.7% | 100% | $455,000 | View |
Loanunited.Com, LLC
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FHA | 1 | 0.7% | 100% | $195,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 1 | 0.7% | 100% | $185,000 | View |
Home Mortgage Alliance Corp (Hmac)
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FHA | 1 | 0.7% | 100% | $155,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.7% | 100% | $95,000 | |
American Financial Network, Inc.
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VA | 1 | 0.7% | 100% | $155,000 | |
VanDyk Mortgage Corporation
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VA | 1 | 0.7% | 100% | $95,000 | |
American Financing Corporation
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Conventional | 1 | 0.7% | 100% | $85,000 | |
Stg Mortgage Inc
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FHA | 1 | 0.7% | 100% | $215,000 | |
Sierra Pacific Mortgage Co. Inc
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VA | 1 | 0.7% | 100% | $185,000 | |
Nationstar Mortgage
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VA | 1 | 0.7% | 100% | $285,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $245,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.7% | 100% | $145,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.7% | 100% | $65,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.7% | 100% | $205,000 | View |
Top Flite Financial, Inc.
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FHA | 1 | 0.7% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Oneida 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 Oneida, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Oneida? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oneida in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oneida, TN
Use these to narrow the list above. Each category shows how many Oneida, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Oneida, TN
Independent mortgage companies closed 48 percent of home loans in Oneida, Tennessee in 2025, banks 44 percent and credit unions 8 percent. Mortgage Investors Group was the largest mortgage company, First National Bank of Oneida the largest bank and Ornl Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, First National Bank of Oneida led with 29 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 Oneida, TN
By home loans closed in 2025, First National Bank of Oneida was the largest mortgage lender in Oneida, Tennessee with 29 loans, about 19.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Oneida, Tennessee in 2025, led by Mortgage Investors Group with 5. 13 lenders closed VA loans, led by Mortgage Research Center, 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. 14 banks and 7 credit unions closed home loans in Oneida, Tennessee in 2025, alongside 33 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 Oneida, 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 Oneida, 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 Oneida. 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.
