Mortgage Lenders and Brokers in Surgoinsville, 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
Surgoinsville, Tennessee mortgage lenders include Eastman Credit UnionEastman Credit Union1911 Highway 394, Blountville, TN 37617 5349A+5.0 ★Texas Ratio: 1.56%, Appalachian Community Federal Credit UnionAppalachian Community Federal Credit Union201 S Central Ave Unit 2, Church Hill, TN 37642 3603A+5.0 ★Texas Ratio: 1.81%, FirstbankFirstbank8398 Us Highway 64, Bartlett, TN 38133A5.0 ★Texas Ratio: 7.51%, First Community Mortgage, Inc.First Community Mortgage, Inc.2681 Boones Creek Rd, Johnson City, TN 37615A+5.0 ★Texas Ratio: 3.36%, TruPoint BankTruPoint Bank441 Richmond St, Church Hill, TN 37642A+5.0 ★Texas Ratio: 0.13%, Horizon Credit UnionHorizon Credit Union600 AFG Rd, Church Hill, TN 37642A+5.0 ★Texas Ratio: 2.54%, Consumer Credit UnionConsumer Credit Union3634 E Andrew Johnson Hwy, Greeneville, TN 37745A+5.0 ★Texas Ratio: 0.68%, 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%, and Regions BankRegions Bank216 S Calderwood St, Alcoa, TN 37701A+5.0 ★Texas Ratio: 4.37%. 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 Surgoinsville, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Surgoinsville 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 Surgoinsville, Tennessee
Market share is the lender's share of all home loans closed in Surgoinsville, 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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1911 Highway 394, Blountville, TN 37617 5349 A+5.0 ★Texas Ratio: 1.56% |
Conventional, Jumbo, HELOC | 22 +8 HELOCs |
21% | 71.9% | $144,545 | View |
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201 S Central Ave Unit 2, Church Hill, TN 37642 3603 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 5 | 4.8% | 100% | $117,000 | View |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
FHA | 2 | 1.9% | 100% | $195,000 | View |
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2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 1% | 100% | $75,000 | View |
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441 Richmond St, Church Hill, TN 37642 A+5.0 ★Texas Ratio: 0.13% |
Conventional | 1 | 1% | 100% | $745,000 | View |
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600 AFG Rd, Church Hill, TN 37642 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 1% | 100% | $175,000 | View |
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3634 E Andrew Johnson Hwy, Greeneville, TN 37745 A+5.0 ★Texas Ratio: 0.68% |
Conventional, Jumbo | 1 | 1% | 100% | $2,505,000 | View |
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929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 112 S Hall Rd, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 7 | 6.7% | 40% | $143,571 | |
Kingsport Press Credit Unioin
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Conventional, HELOC | 3 +2 HELOCs |
2.9% | 100% | $68,333 | |
Mortgage Investors Group
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Conventional, FHA | 2 | 1.9% | 100% | $220,000 | |
21St Mortgage
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Conventional | 2 | 1.9% | 100% | $90,000 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA, VA | 10 | 9.5% | 73.3% | $287,000 | View |
Movement Mortgage, LLC
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Conventional, FHA, VA | 5 | 4.8% | 100% | $185,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 4 | 3.8% | 83.3% | $312,500 | |
Gvc Mortgage, Inc.
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Conventional, FHA | 3 | 2.9% | 100% | $178,333 | |
Ross Mortgage Corporation
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Conventional, FHA, VA | 3 | 2.9% | 100% | $125,000 | |
Everett Financial, Inc.
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FHA, USDA | 2 | 1.9% | 100% | $210,000 | |
Freedom Mortgage Corporation
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FHA | 2 | 1.9% | 100% | $190,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 2 | 1.9% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 2 | 1.9% | 100% | $465,000 | View |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 1.9% | 100% | $110,000 | |
Mortgage Research Center
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Conventional, VA | 2 | 1.9% | 100% | $175,000 | |
Farm Credit Mid-America, Aca
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Conventional, Jumbo | 2 | 1.9% | 66.7% | $605,000 | |
Liberty Federal Credit Union
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Conventional | 1 | 1% | 100% | $315,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 1% | 100% | $105,000 | |
Gold Star Mortgage Financial Group, Corporation
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VA | 1 | 1% | 100% | $535,000 | |
Success Lending, LLC
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Conventional | 1 | 1% | 100% | $235,000 | |
Newrez LLC
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VA | 1 | 1% | 50% | $405,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 1 | 1% | 100% | $315,000 | View |
Guild Mortgage Company
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USDA | 1 | 1% | 100% | $245,000 | |
American Financial Network, Inc.
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Conventional | 1 | 1% | 100% | $145,000 | |
American Financing Corporation
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FHA | 1 | 1% | 100% | $155,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 1% | 50% | $225,000 | |
New Day Financial, LLC.
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VA | 1 | 1% | 100% | $415,000 | |
T2 Financial LLC
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FHA | 1 | 1% | 100% | $175,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 1% | 100% | $215,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 1% | 100% | $165,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 1% | 50% | $165,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 1% | 33.3% | $175,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 1% | 100% | $25,000 | |
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A+5.0 ★Texas Ratio: 5.52% |
Conventional | 1 | 1% | 100% | $25,000 | View |
Ark-La-Tex Financial Services LLC
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USDA | 1 | 1% | 100% | $265,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Surgoinsville 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 Surgoinsville, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Surgoinsville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Surgoinsville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Surgoinsville, TN
Use these to narrow the list above. Each category shows how many Surgoinsville, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Surgoinsville, TN
Independent mortgage companies closed 60 percent of home loans in Surgoinsville, Tennessee in 2025, banks 7.6 percent and credit unions 32.4 percent. Vanderbilt Mortgage and Finance, Inc was the largest mortgage company, Firstbank the largest bank and Eastman Credit Union the largest credit union. Among lenders headquartered in Tennessee, Eastman Credit Union led with 22 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 Surgoinsville, TN
By home loans closed in 2025, Eastman Credit Union was the largest mortgage lender in Surgoinsville, Tennessee with 22 loans, about 21 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Surgoinsville, Tennessee in 2025, led by Rocket Mortgage with 3. 9 lenders closed VA loans, led by Rocket Mortgage, and 3 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. 10 banks and 7 credit unions closed home loans in Surgoinsville, Tennessee in 2025, alongside 31 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 Surgoinsville, 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 Surgoinsville, 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 Surgoinsville. 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.
