Mortgage Lenders and Brokers in Sparta, 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
Sparta, Tennessee mortgage lenders include US Bank, N.A.US Bank, N.A.189 Mose Dr, Sparta, TN 38583A+5.0 ★Texas Ratio: 2.85%, One Bank of TennesseeOne Bank of Tennessee576 W Bockman Way, Sparta, TN 38583A+5.0 ★Texas Ratio: 0.10%, First Horizon BankFirst Horizon Bank469 W Bockman Way, Sparta, TN 38583A+5.0 ★Texas Ratio: 5.76%, Citizens BankCitizens Bank844 Volunteer Pkwy, Bristol, TN 37620A5.0 ★Texas Ratio: 6.25%, 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%, Regions BankRegions Bank216 S Calderwood St, Alcoa, TN 37701A+5.0 ★Texas Ratio: 4.37%, Citizens Tri County BankCitizens Tri County Bank1548 Main St, Altamont, TN 37301A5.0 ★Texas Ratio: 7.54%, Wellworth BankWellworth Bank100 N Public Sq, Alexandria, TN 37012A5.0 ★Texas Ratio: 9.78%, and Ascend Federal Credit UnionAscend Federal Credit Union782 Old Hickory Blvd, Brentwood, TN 37027A+5.0 ★Texas Ratio: 2.35%. 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 Sparta, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sparta 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 Sparta, Tennessee
Market share is the lender's share of all home loans closed in Sparta, 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 Sparta 189 Mose Dr, Sparta, TN 38583 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA, HELOC | 11 +3 HELOCs |
6.3% | 92.3% | $162,272 | View |
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1 office in Sparta 576 W Bockman Way, Sparta, TN 38583 A+5.0 ★Texas Ratio: 0.10% |
Conventional | 4 | 2.3% | 66.7% | $167,500 | View |
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★ 5 stars, 1 review 1 office in Sparta 469 W Bockman Way, Sparta, TN 38583 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $205,000 | View |
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844 Volunteer Pkwy, Bristol, TN 37620 A5.0 ★Texas Ratio: 6.25% |
Conventional | 17 | 9.8% | 100% | $117,352 | View |
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2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA | 6 | 3.4% | 100% | $238,333 | View |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA, HELOC | 4 +6 HELOCs |
2.3% | 66.7% | $267,500 | View |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 3 +1 HELOCs |
1.7% | 57.1% | $75,000 | View |
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★ 5 stars, 1 review 1548 Main St, Altamont, TN 37301 A5.0 ★Texas Ratio: 7.54% |
Conventional | 3 | 1.7% | 75% | $185,000 | View |
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100 N Public Sq, Alexandria, TN 37012 A5.0 ★Texas Ratio: 9.78% |
Conventional, HELOC | 1 +4 HELOCs |
0.6% | 100% | $135,000 | View |
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782 Old Hickory Blvd, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.35% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $105,000 | View |
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5109 Peter Taylor Park Drive Ste 200, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 0.38% |
Conventional | 1 | 0.6% | 100% | $365,000 | View |
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11849 Crawford Pines Dr, Arlington, TN 38002 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 50% | $165,000 | View |
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109 Associates Blvd, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 1.74% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1087 Hunters Xing, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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306 Brush Creek Rd, Alexandria, TN 37012 A+5.0 ★Texas Ratio: 4.75% |
HELOC | 0 +2 HELOCs |
0% | n/a | 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 +2 HELOCs |
0% | n/a | View | |
Mortgage Investors Group
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Conventional, FHA | 6 | 3.4% | 100% | $226,666 | |
21St Mortgage
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Conventional | 2 | 1.1% | 50% | $160,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.6% | 100% | $335,000 | View |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA, VA | 20 | 11.5% | 84% | $199,000 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 13 | 7.5% | 92.9% | $262,692 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA, USDA | 11 | 6.3% | 91.7% | $223,181 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 7 | 4% | 90% | $220,714 | |
Fairway Independent Mort Corp
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Conventional, FHA | 6 | 3.4% | 85.7% | $191,666 | |
Success Mortgage Partners, Inc
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Conventional, FHA | 4 | 2.3% | 100% | $342,500 | |
Mortgage Research Center
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VA | 3 | 1.7% | 60% | $338,333 | |
Iserve Residential Lending
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FHA, VA | 3 | 1.7% | 100% | $281,666 | |
Mason-McDuffie Mortgage Corporation
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Conventional, VA | 3 | 1.7% | 75% | $215,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 1.1% | 100% | $190,000 | View |
Freedom Mortgage Corporation
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FHA, VA | 2 | 1.1% | 50% | $290,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 1.1% | 100% | $210,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 1.1% | 100% | $135,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 1.1% | 100% | $100,000 | |
New American Funding, LLC.
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FHA, VA | 2 | 1.1% | 100% | $255,000 | |
Farm Credit Mid-America, Aca
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Conventional, Jumbo | 2 | 1.1% | 100% | $455,000 | |
Interlinc Mortgage Services, LLC
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Conventional | 1 | 0.6% | 100% | $535,000 | |
Liberty Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $15,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 0.6% | 100% | $185,000 | |
Residential Wholesale Mortgage
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USDA | 1 | 0.6% | 100% | $245,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.6% | 100% | $45,000 | |
Primary Residential Mortgage, INC.
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FHA | 1 | 0.6% | 100% | $195,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.6% | 100% | $235,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.6% | 100% | $305,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 0.6% | 40% | $225,000 | |
Guild Mortgage Company
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USDA | 1 | 0.6% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 3.97% |
VA | 1 | 0.6% | 100% | $215,000 | View |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.6% | 100% | $285,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.6% | 100% | $285,000 | View |
Das Acquisition Company, LLC
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Conventional | 1 | 0.6% | 100% | $185,000 | |
VanDyk Mortgage Corporation
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VA | 1 | 0.6% | 100% | $305,000 | |
New Day Financial, LLC.
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VA | 1 | 0.6% | 50% | $225,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.6% | 100% | $155,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.6% | 100% | $185,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.6% | 100% | $285,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.6% | 100% | $85,000 | |
Wings Financial Credit Union
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Conventional | 1 | 0.6% | 100% | $255,000 | |
Genway Home Mortgage, Inc.
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Conventional | 1 | 0.6% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.6% | 100% | $195,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.6% | 33.3% | $495,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.6% | 50% | $45,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 0.6% | 100% | $175,000 | |
Texana Bank
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Conventional | 1 | 0.6% | 100% | $215,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.6% | 50% | $165,000 | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Sparta 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 Sparta, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Sparta? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sparta in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sparta, TN
Use these to narrow the list above. Each category shows how many Sparta, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Sparta, TN
Independent mortgage companies closed 64.9 percent of home loans in Sparta, Tennessee in 2025, banks 33.3 percent and credit unions 1.7 percent. Mortgage Investors Group was the largest mortgage company, US Bank, N.A. the largest bank and Ascend Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, One Bank of Tennessee led with 4 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 Sparta, TN
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Sparta, Tennessee with 11 loans, about 6.3 percent of the market. The largest lender headquartered in Tennessee was One Bank of Tennessee with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
21 lenders closed FHA loans in Sparta, Tennessee in 2025, led by Rocket Mortgage with 4. 12 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. 21 banks and 4 credit unions closed home loans in Sparta, Tennessee in 2025, alongside 41 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 Sparta, 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 Sparta, 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 Sparta. 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.
