Mortgage Lenders and Brokers in Tracy 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
Tracy City, Tennessee mortgage lenders include Citizens Tri County BankCitizens Tri County BankOak And Colyar Streets, Tracy City, TN 37387A5.0 ★Texas Ratio: 7.54%, Pinnacle BankPinnacle Bank5308 Mount View Rd, Antioch, TN 37013A+5.0 ★Texas Ratio: 3.04%, Renasant BankRenasant Bank6671 Summer Ave, Bartlett, TN 38134A+5.0 ★Texas Ratio: 4.72%, Mountain Valley BankMountain Valley BankHighway 28 South At Cordell Lane, Dunlap, TN 37327A+5.0 ★Texas Ratio: 4.32%, 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%, First Community Mortgage, Inc.First Community Mortgage, Inc.2681 Boones Creek Rd, Johnson City, TN 37615A+5.0 ★Texas Ratio: 3.36%, Old National BankOld National Bank106 Washington Ave, Athens, TN 37303A+5.0 ★Texas Ratio: 4.98%, Servisfirst BankServisfirst Bank5384 Poplar Avenue, Memphis, TN 38119A5.0 ★Texas Ratio: 8.75%, and First Vision Bank of TennesseeFirst Vision Bank of Tennessee2165 Decherd Blvd, Decherd, TN 37324A5.0 ★Texas Ratio: 11.21%. 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 Tracy City, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Tracy 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 Tracy City, Tennessee
Market share is the lender's share of all home loans closed in Tracy 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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★ 5 stars, 1 review 2 offices in Tracy City Oak And Colyar Streets, Tracy City, TN 37387 A5.0 ★Texas Ratio: 7.54% |
Conventional | 15 | 13.6% | 76% | $186,333 | View |
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5308 Mount View Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 2 | 1.8% | 100% | $290,000 | View |
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6671 Summer Ave, Bartlett, TN 38134 A+5.0 ★Texas Ratio: 4.72% |
USDA | 2 | 1.8% | 100% | $85,000 | View |
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Highway 28 South At Cordell Lane, Dunlap, TN 37327 A+5.0 ★Texas Ratio: 4.32% |
Conventional | 2 | 1.8% | 66.7% | $115,000 | View |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
Conventional, Jumbo | 2 | 1.8% | 50% | $555,000 | View |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 66.7% | $395,000 | View |
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2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 0.9% | 50% | $245,000 | View |
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106 Washington Ave, Athens, TN 37303 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.9% | 100% | $285,000 | View |
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5384 Poplar Avenue, Memphis, TN 38119 A5.0 ★Texas Ratio: 8.75% |
Conventional | 1 | 0.9% | 100% | $515,000 | View |
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2165 Decherd Blvd, Decherd, TN 37324 A5.0 ★Texas Ratio: 11.21% |
Conventional | 1 | 0.9% | 100% | $105,000 | View |
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1175 Meridian Blvd, Franklin, TN 37067 A+5.0 ★Texas Ratio: 5.43% |
FHA | 1 | 0.9% | 100% | $185,000 | View |
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1917 Highway 394, Blountville, TN 37617 A+5.0 ★Texas Ratio: 4.09% |
Conventional | 1 | 0.9% | 100% | $405,000 | View |
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929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | 0% | 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 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 6 | 5.5% | 63.6% | $160,000 | |
21St Mortgage
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Conventional | 2 | 1.8% | 22.2% | $90,000 | |
Tennessee Valley Federal C U
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Conventional, HELOC | 1 +1 HELOCs |
0.9% | 50% | $135,000 | |
Legacy Home Loans, LLC
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Conventional | 1 | 0.9% | 100% | $335,000 | |
New American Funding, LLC.
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Conventional, FHA, USDA | 11 | 10% | 91.7% | $205,909 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA | 10 | 9.1% | 78.6% | $198,000 | View |
Equity Prime Mortgage LLC
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FHA, USDA | 3 | 2.7% | 100% | $198,333 | |
Movement Mortgage, LLC
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Conventional | 2 | 1.8% | 100% | $180,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional, USDA | 2 | 1.8% | 100% | $265,000 | View |
Cmg Mortgage Inc
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Conventional, VA | 2 | 1.8% | 66.7% | $280,000 | |
Union Home Mortgage Corp.
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FHA, VA | 2 | 1.8% | 100% | $255,000 | |
Nations Lending Corporation
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FHA | 2 | 1.8% | 100% | $155,000 | |
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A5.0 ★Texas Ratio: 8.17% |
FHA | 2 | 1.8% | 100% | $270,000 | View |
Stockton Mortgage Corporation
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Conventional, USDA | 2 | 1.8% | 100% | $190,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional, FHA | 2 | 1.8% | 100% | $100,000 | View |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 1.8% | 66.7% | $180,000 | |
Reliance First Capital, LLC
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FHA | 2 | 1.8% | 100% | $165,000 | |
Alliant Credit Union
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Conventional | 1 | 0.9% | 100% | $185,000 | |
Guaranteed Rate Affinity, LLC
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VA | 1 | 0.9% | 100% | $375,000 | |
United Wholesale Mortgage
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Conventional | 1 | 0.9% | 50% | $455,000 | |
Liberty Federal Credit Union
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Conventional | 1 | 0.9% | 100% | $295,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.9% | 50% | $45,000 | |
Goodleap, LLC
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VA | 1 | 0.9% | 100% | $275,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.9% | 100% | $275,000 | |
Kind Lending, LLC
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VA | 1 | 0.9% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 0.86% |
Conventional | 1 | 0.9% | 66.7% | $245,000 | View |
United Federal Credit Union
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Conventional | 1 | 0.9% | 100% | $35,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 0.9% | 50% | $125,000 | |
Capital City Home Loans, LLC
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Conventional | 1 | 0.9% | 100% | $355,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.9% | 100% | $205,000 | |
Obsidian Financial Services
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FHA | 1 | 0.9% | 100% | $215,000 | |
Discover Bank
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Conventional | 1 | 0.9% | 100% | $135,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.9% | 100% | $145,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.9% | 100% | $45,000 | |
First Jackson Bank, Inc
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Conventional | 1 | 0.9% | 100% | $15,000 | |
Mortgage Research Center
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VA | 1 | 0.9% | 33.3% | $185,000 | |
Towne Mortgage Company
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USDA | 1 | 0.9% | 100% | $285,000 | |
Iserve Residential Lending
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USDA | 1 | 0.9% | 100% | $135,000 | |
CSL Financial, LLC
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Conventional | 1 | 0.9% | 100% | $125,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.9% | 100% | $215,000 | |
Fairway Independent Mort Corp
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VA | 1 | 0.9% | 100% | $315,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.9% | 100% | $45,000 | |
Leaderone Financial Corp.
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FHA | 1 | 0.9% | 100% | $245,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Cadence Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Tracy 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 Tracy City, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Tracy City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Tracy City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Tracy City, TN
Use these to narrow the list above. Each category shows how many Tracy City, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Tracy City, TN
Independent mortgage companies closed 60.9 percent of home loans in Tracy City, Tennessee in 2025, banks 34.5 percent and credit unions 4.5 percent. Vanderbilt Mortgage and Finance, Inc was the largest mortgage company, Citizens Tri County Bank the largest bank and Tennessee Valley Federal C U the largest credit union. Among lenders headquartered in Tennessee, Citizens Tri County Bank led with 15 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 Tracy City, TN
By home loans closed in 2025, Citizens Tri County Bank was the largest mortgage lender in Tracy City, Tennessee with 15 loans, about 13.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Tracy City, Tennessee in 2025, led by Rocket Mortgage with 5. 7 lenders closed VA loans, led by Cmg Mortgage Inc, and 7 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. 23 banks and 6 credit unions closed home loans in Tracy City, 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 Tracy 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 Tracy 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 Tracy 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.
