Mortgage Lenders and Brokers in Spring City, 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
Spring City, Tennessee mortgage lenders include First Financial Bank NAFirst Financial Bank NA22400 Rhea County Hwy, Spring City, TN 37381A+5.0 ★Texas Ratio: 4.65%, SouthEast BankSouthEast Bank285 Front St, Spring City, TN 37381A+5.0 ★Texas Ratio: 0.98%, First Community Mortgage, Inc.First Community Mortgage, Inc.2681 Boones Creek Rd, Johnson City, TN 37615A+5.0 ★Texas Ratio: 3.36%, Regions BankRegions Bank216 S Calderwood St, Alcoa, TN 37701A+5.0 ★Texas Ratio: 4.37%, First Farmers and Commercial BankFirst Farmers and Commercial Bank1251 N Main St, Crossville, TN 38555A+5.0 ★Texas Ratio: 0.50%, Ornl Federal Credit UnionOrnl Federal Credit Union103 Hamilton Crossing Dr, Alcoa, TN 37701, US Bank, N.A.US Bank, N.A.929 Bell Rd, Antioch, TN 37013A+5.0 ★Texas Ratio: 2.85%, First Horizon BankFirst Horizon Bank112 S Hall Rd, Alcoa, TN 37701A+5.0 ★Texas Ratio: 5.76%, Builtwell BankBuiltwell Bank219 Ward St, Benton, TN 37307A+5.0 ★Texas Ratio: 2.72%, and Bank of America NABank of America NA6186 Stage Rd, Bartlett, TN 38134A+5.0 ★Texas Ratio: 4.14%. 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 Spring City, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Spring 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 Spring City, Tennessee
Market share is the lender's share of all home loans closed in Spring 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 |
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1 office in Spring City 22400 Rhea County Hwy, Spring City, TN 37381 A+5.0 ★Texas Ratio: 4.65% |
Conventional, HELOC | 6 +3 HELOCs |
2.9% | 69.2% | $241,666 | View |
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1 office in Spring City 285 Front St, Spring City, TN 37381 A+5.0 ★Texas Ratio: 0.98% |
Conventional, Jumbo, HELOC | 5 +9 HELOCs |
2.4% | 83.3% | $353,000 | View |
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2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA, USDA | 5 | 2.4% | 71.4% | $259,000 | View |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 4 +2 HELOCs |
1.9% | 55.6% | $145,000 | View |
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1251 N Main St, Crossville, TN 38555 A+5.0 ★Texas Ratio: 0.50% |
Conventional | 4 | 1.9% | 100% | $330,000 | View |
Ornl Federal Credit Union
103 Hamilton Crossing Dr, Alcoa, TN 37701 |
Conventional | 4 | 1.9% | 83.3% | $372,500 | |
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929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 1% | 100% | $185,000 | View |
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★ 5 stars, 1 review 112 S Hall Rd, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 2 | 1% | 100% | $550,000 | View |
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219 Ward St, Benton, TN 37307 A+5.0 ★Texas Ratio: 2.72% |
Conventional | 2 | 1% | 50% | $240,000 | View |
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6186 Stage Rd, Bartlett, TN 38134 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
0.5% | 100% | $815,000 | View |
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5308 Mount View Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.5% | 100% | $715,000 | View |
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404 Main St, Baxter, TN 38544 A+5.0 ★Texas Ratio: 0.10% |
Conventional | 1 | 0.5% | 100% | $385,000 | View |
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109 Associates Blvd, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 1.74% |
Conventional | 1 | 0.5% | 100% | $405,000 | View |
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9059 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 5.36% |
FHA | 1 | 0.5% | 50% | $245,000 | View |
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401 Chestnut St, Chattanooga, TN 37402 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 1 | 0.5% | 100% | $475,000 | View |
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5000 Maryland Way, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,245,000 | View |
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1113 Hunters Xing, Alcoa, TN 37701 1852 A+5.0 ★Texas Ratio: 2.34% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
HELOC | 0 +3 HELOCs |
0% | 22.2% | View | |
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450 N Charles G Seivers Blvd, Clinton, TN 37716 3730 A+5.0 ★Texas Ratio: 3.67% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1087 Hunters Xing, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Tennessee Valley Federal C U
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Conventional, HELOC | 6 +1 HELOCs |
2.9% | 58.3% | $236,666 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 5 | 2.4% | 28.6% | $141,000 | |
Mortgage Investors Group
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Conventional, FHA | 4 | 1.9% | 66.7% | $202,500 | |
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A+5.0 ★Texas Ratio: 1.93% |
Conventional | 1 | 0.5% | 100% | $575,000 | View |
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A+5.0 ★Texas Ratio: 1.28% |
USDA | 1 | 0.5% | 100% | $215,000 | View |
Mountain Commerce Bank
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Conventional | 1 | 0.5% | 100% | $405,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 21 | 10% | 84% | $316,428 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA | 17 | 8.1% | 75% | $206,764 | View |
CrossCountry Mortgage, LLC
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Conventional, VA | 7 | 3.3% | 100% | $306,428 | |
Mortgage Research Center
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Conventional, VA | 6 | 2.9% | 60% | $308,333 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 5 | 2.4% | 71.4% | $271,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 5 | 2.4% | 100% | $205,000 | |
Farm Credit Mid-America, Aca
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Conventional | 5 | 2.4% | 100% | $329,000 | |
loanDepot.com LLC
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Conventional | 4 | 1.9% | 80% | $195,000 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 3 | 1.4% | 100% | $321,666 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA, USDA | 3 | 1.4% | 75% | $115,000 | View |
Mutual of Omaha Mortgage
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Conventional, FHA | 3 | 1.4% | 100% | $198,333 | |
DHI Mortgage Company, LTD.
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FHA | 3 | 1.4% | 100% | $265,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 3 | 1.4% | 100% | $515,000 | |
Liberty Federal Credit Union
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Conventional | 2 | 1% | 100% | $425,000 | |
American Financial Resources LLC
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FHA | 2 | 1% | 100% | $245,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 1% | 100% | $70,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 1% | 100% | $210,000 | |
Cmg Mortgage Inc
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Conventional, VA | 2 | 1% | 66.7% | $350,000 | |
Discover Bank
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Conventional | 2 | 1% | 66.7% | $80,000 | |
VanDyk Mortgage Corporation
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VA, USDA | 2 | 1% | 100% | $335,000 | |
Wright Patt Credit Union Inc
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Conventional | 2 | 1% | 100% | $585,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, VA | 2 | 1% | 100% | $335,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 1% | 100% | $550,000 | View |
Fairway Independent Mort Corp
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Conventional, VA | 2 | 1% | 100% | $455,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 33.3% | $85,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.5% | 50% | $805,000 | |
Primelending
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Conventional | 1 | 0.5% | 100% | $165,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.5% | 50% | $355,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.5% | 33.3% | $115,000 | |
Newrez LLC
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Conventional | 1 | 0.5% | 33.3% | $105,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.5% | 100% | $245,000 | |
Nbkc Bank
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Conventional | 1 | 0.5% | 100% | $155,000 | |
Kind Lending, LLC
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FHA | 1 | 0.5% | 33.3% | $485,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.5% | 9.1% | $115,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.5% | 100% | $185,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.5% | 100% | $115,000 | |
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A+5.0 ★Texas Ratio: 3.97% |
FHA | 1 | 0.5% | 100% | $345,000 | View |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.5% | 50% | $295,000 | View |
HomeBridge Financial Services, Inc
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Conventional | 1 | 0.5% | 100% | $325,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 0.5% | 100% | $255,000 | |
Intercoastal Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $425,000 | |
Click n' Close, Inc.
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Conventional | 1 | 0.5% | 100% | $635,000 | |
American Financing Corporation
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Conventional | 1 | 0.5% | 100% | $645,000 | |
Flat Branch Mortgage, Inc.
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Conventional | 1 | 0.5% | 100% | $275,000 | |
Real Genius LLC
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Conventional | 1 | 0.5% | 100% | $775,000 | |
Weichert Financial Services
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Conventional | 1 | 0.5% | 100% | $255,000 | |
Calcon Mutual Mortgage LLC
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FHA | 1 | 0.5% | 100% | $235,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.5% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.5% | 100% | $615,000 | View |
American Pacific Mortgage Corporation
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VA | 1 | 0.5% | 100% | $235,000 | |
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B4.4 ★Texas Ratio: 21.68% |
FHA | 1 | 0.5% | 100% | $185,000 | View |
Stockton Mortgage Corporation
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USDA | 1 | 0.5% | 50% | $245,000 | |
Mission Loans, LLC
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VA | 1 | 0.5% | 100% | $295,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $215,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.5% | 100% | $505,000 | View |
Mortgage Solutions of Colorado
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VA | 1 | 0.5% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 1.47% |
Conventional | 1 | 0.5% | 100% | $385,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.5% | 100% | $255,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.5% | 100% | $145,000 | |
Southwest Stage Funding LLC
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FHA | 1 | 0.5% | 100% | $165,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.5% | 100% | $505,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
Reliance First Capital, LLC
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Conventional | 1 | 0.5% | 50% | $105,000 | |
Texana Bank
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Conventional | 1 | 0.5% | 100% | $605,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.5% | 12.5% | $35,000 | |
Leaderone Financial Corp.
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Conventional | 1 | 0.5% | 100% | $155,000 | |
Tomo Mortgage LLC
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FHA | 1 | 0.5% | 100% | $245,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Atlanta Postal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Affinity Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Spring City 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 Spring City, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Spring City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Spring City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Spring City, TN
Use these to narrow the list above. Each category shows how many Spring City, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Spring City, TN
Independent mortgage companies closed 64.1 percent of home loans in Spring City, Tennessee in 2025, banks 28.2 percent and credit unions 7.7 percent. Vanderbilt Mortgage and Finance, Inc was the largest mortgage company, First Financial Bank NA the largest bank and Ornl Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, SouthEast Bank led with 5 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 Spring City, TN
By home loans closed in 2025, First Financial Bank NA was the largest mortgage lender in Spring City, Tennessee with 6 loans, about 2.9 percent of the market. The largest lender headquartered in Tennessee was SouthEast Bank with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
23 lenders closed FHA loans in Spring City, Tennessee in 2025, led by United Wholesale Mortgage with 11. 14 lenders closed VA loans, led by Mortgage Research Center, and 5 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. 35 banks and 11 credit unions closed home loans in Spring City, Tennessee in 2025, alongside 52 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 Spring 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 Spring 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 Spring 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.
