Mortgage lenders in Washington County
3,415 mortgages were made in Washington County, Tennessee, in 2025, by 311 lenders. The median rate their borrowers got was 6.750% on a median loan of $215,000. Of 4,496 decisions, 887 were denials — 19.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| EASTMAN CREDIT UNION | 769 | 7.250% | $115,000 | 24.1% |
| Rocket Mortgage, LLC | 211 | 6.500% | $205,000 | 15.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 177 | 6.125% | $275,000 | 9.0% |
| MOVEMENT MORTGAGE, LLC | 171 | 6.500% | $275,000 | 2.4% |
| DHI MORTGAGE COMPANY, LTD. | 116 | 6.188% | $270,000 | 8.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 96 | 6.750% | $265,000 | 5.2% |
| First Horizon Bank | 90 | 7.250% | $170,000 | 29.6% |
| Regions Bank | 75 | 4.990% | $105,000 | 31.4% |
| FREEDOM MORTGAGE CORPORATION | 60 | 6.188% | $285,000 | 16.9% |
| Sierra Pacific Mortgage Company, Inc. | 60 | 6.500% | $305,000 | 14.3% |
| GVC MORTGAGE, INC. | 54 | 6.375% | $245,000 | 8.5% |
| Elizabethton Federal Savings Bank | 54 | Not published | $295,000 | 0.0% |
| Mortgage Research Center, LLC | 53 | 6.250% | $325,000 | 20.9% |
| Bank of Tennessee | 48 | 6.730% | $215,000 | 20.9% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 48 | 6.750% | $270,000 | 5.9% |
| Truist Bank | 42 | 6.615% | $110,000 | 34.3% |
| ROSS MORTGAGE CORPORATION | 42 | 6.490% | $310,000 | 8.5% |
| PENNYMAC LOAN SERVICES, LLC | 40 | 6.125% | $275,000 | 12.8% |
| MORTGAGE INVESTORS GROUP, INC. | 40 | 6.750% | $235,000 | 9.1% |
| CONSUMER Credit Union | 38 | 5.938% | $345,000 | 11.1% |
| FIRST BANCORP, INC. | 36 | 7.375% | $175,000 | 7.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 25 | 8.750% | $135,000 | 67.8% |
| Broker Solutions, Inc. | 25 | 6.875% | $225,000 | 19.4% |
| NEWREZ LLC | 25 | 6.250% | $275,000 | 3.7% |
| GUILD MORTGAGE COMPANY | 25 | 6.625% | $255,000 | 6.9% |
| KIND LENDING, LLC | 25 | 6.500% | $305,000 | 10.3% |
| Renasant Bank | 25 | 7.250% | $155,000 | 7.4% |
| Navy Federal Credit Union | 24 | 6.000% | $205,000 | 22.6% |
| Appalachian Community Federal Credit Union | 24 | Not published | $95,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 23 | 6.575% | $245,000 | 4.0% |
| Loandepot.Com, LLC | 23 | 6.250% | $185,000 | 20.0% |
| HomeTrust Bank | 22 | 7.500% | $200,000 | 25.8% |
| Bank of America, National Association | 21 | 6.000% | $105,000 | 30.0% |
| CMG MORTGAGE, INC. | 20 | 6.375% | $290,000 | 4.0% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | 20 | 6.240% | $115,000 | 4.8% |
| NATIONSTAR MORTGAGE LLC | 18 | 7.495% | $105,000 | 9.5% |
| Citizens Bank | 17 | Not published | $165,000 | 5.6% |
| Farm Credit Mid-America | 16 | 7.063% | $305,000 | 32.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 16 | 6.438% | $245,000 | 14.3% |
| ECLIPSE BANK, INC. | 15 | Not published | $355,000 | 6.3% |
| EVERETT FINANCIAL, INC. | 15 | 6.625% | $405,000 | 0.0% |
| Andrew Johnson Bank | 15 | 7.100% | $255,000 | 0.0% |
| TRUPoint Bank | 15 | Not published | $185,000 | 6.3% |
| 21st Mortgage Corporation | 14 | 8.690% | $105,000 | 66.7% |
| AmeriSave Mortgage Corporation | 14 | 7.813% | $80,000 | 65.9% |
| DELMAR FINANCIAL COMPANY | 14 | 6.625% | $265,000 | 0.0% |
| Coastal Community Bank | 13 | 8.740% | $35,000 | 0.0% |
| TOP FLITE FINANCIAL, INC. | 13 | 5.990% | $255,000 | 0.0% |
| First-Citizens Bank & Trust Company | 13 | 6.475% | $405,000 | 30.0% |
| Select Seven Federal Credit Union | 13 | 6.750% | $155,000 | 0.0% |
| GUARANTEED RATE, INC. | 12 | 6.163% | $225,000 | 14.3% |
| USAA Federal Savings Bank | 12 | 6.375% | $365,000 | 27.8% |
| Wells Fargo Bank, National Association | 12 | 6.438% | $315,000 | 14.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 12 | 6.625% | $260,000 | 0.0% |
| FIGURE LENDING LLC | 11 | 9.825% | $75,000 | 21.7% |
| 894500QC0C65HO7V5165 | 10 | 7.990% | $220,000 | 0.0% |
| Mountain Commerce Bank | 9 | Under 10 loans | Under 10 loans | 9.1% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 38.5% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Clinchfield Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 72.0% |
| JPMorgan Chase Bank, National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Fifth Third Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 42.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| New Peoples Bank, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMWEST FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 42.9% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 46.2% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 33.3% |
| LoanUnited.com, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Y-12 Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| United Community Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 16.7% |
| RELIANCE FIRST CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CU COMMUNITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 42.9% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES' | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE BANK OF MARION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| INTERCOASTAL MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ORNL | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Kingsport Press Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northeast Community Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Oconee State Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Central Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Powell Valley National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CREDENCE FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commercial Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 93.8% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 25.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U. T. Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JUSTICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CONSTRUCTIVE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COLONY BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| One Bank of Tennessee | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Macon Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 111 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Washington County
36 FDIC-insured branches from 18 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Bank of Tennessee | 5 | $435.1 million |
| First Horizon Bank | 4 | $865.8 million |
| Centennial Bank | 3 | $302.0 million |
| Regions Bank | 3 | $249.6 million |
| Truist Bank | 2 | $452.8 million |
| The First Bank and Trust Company | 2 | $224.8 million |
| HomeTrust Bank | 2 | $189.4 million |
| Renasant Bank | 2 | $77.5 million |
| Andrew Johnson Bank | 2 | $63.7 million |
| First Community Bank | 2 | $50.5 million |
| Elizabethton Federal Savings Bank | 2 | $39.8 million |
| Citizens Bank | 1 | $167.5 million |
| Eclipse Bank, Inc. | 1 | $31.6 million |
| First-Citizens Bank & Trust Company | 1 | $30.8 million |
| TruPoint Bank | 1 | $17.5 million |
| The Bank of Marion | 1 | $8.2 million |
| Commercial Bank | 1 | $4.7 million |
| FSNB, National Association | 1 | $1.2 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Mountain Commerce Bank, 109 Memory Gardens Road, Johnson City
- Mountain Commerce Bank, 3122 Bristol Hwy, Johnson City
Get told when this changes
When the next year’s lending figures are out for Washington County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.