KINGSPORT - BRISTOL Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Kingsport - Bristol averaged
6.88%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.01% and
one month ago for the week of 2025-05-15, the
average rate was 7.08%.
Kingsport - Bristol's average rate one year ago was 7.42%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.31%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Kingsport - Bristol 30 Year Fixed Rate | 2025-06-18 | 6.88% |
| Kingsport - Bristol 30 Year Fixed Rate Refi | 2025-06-18 | 7.31% |
| Kingsport - Bristol 15 Year Fixed Rate | 2025-06-18 | 6.78% |
| Kingsport - Bristol 15 Year Fixed Rate Refi | 2025-06-18 | 5.96% |
| Kingsport - Bristol 30 Year FHA | 2025-06-18 | -0.14% |
| Kingsport - Bristol 30 Year FHA Refi | 2025-06-18 | -0.38% |
| Kingsport - Bristol 30 Year USDA | 2025-06-18 | 0% |
| Kingsport - Bristol 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Kingsport - Bristol 30 Year VA | 2025-06-18 | 0.3% |
| Kingsport - Bristol 30 Year VA Refi | 2025-06-18 | -0.37% |
KINGSPORT - BRISTOL Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the KINGSPORT-BRISTOL, TN-VA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
KINGSPORT - BRISTOL Average Closing Costs & Other Stats
KINGSPORT-BRISTOL, TN-VA's 178 lenders originated 6,514
loans during 2024. The total origination value was $1,311,420,000, with an average loan value of
$201,323.
KINGSPORT - BRISTOL's average closing costs are $4,885.
The top KINGSPORT - BRISTOL lender as defined by loan originations is EASTMAN, with
524 loans originated. Their average total fees are
$4,153, which is $2,121
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee KINGSPORT - BRISTOL lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($2,105), JPMorgan Chase Bank ($3,138), EASTMAN ($4,153), First Horizon Bank ($4,236) and U.S. Bank ($4,369).
The lowest rate KINGSPORT - BRISTOL lenders (with over 10 loans originated) are
CONSUMER Credit Union (6.23%), DHI MORTGAGE COMPANY, LTD. (6.44%), Mr. Cooper ( Nationstar Mortgage ) (6.55%), First Horizon Bank (6.56%) and NAVY FEDERAL CREDIT UNION (6.59%).
KINGSPORT-BRISTOL, TN-VA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| EASTMAN | $239,275,000 | $272,030,000 | 13.7% | 20.7% |
| QUICKEN LOANS, LLC | $60,060,000 | $84,870,000 | 41.3% | 6.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $38,490,000 | $67,640,000 | 75.7% | 5.2% |
| MOVEMENT MORTGAGE, LLC | $24,995,000 | $53,030,000 | 112.2% | 4.0% |
| FIRST BANCORP | $49,060,000 | $45,390,000 | -7.5% | 3.5% |
| Mortgage Research Center, LLC | $27,220,000 | $39,310,000 | 44.4% | 3.0% |
| DHI MORTGAGE COMPANY, LTD. | $48,715,000 | $32,945,000 | -32.4% | 2.5% |
| GVC MORTGAGE, INC. | $11,560,000 | $25,645,000 | 121.8% | 2.0% |
| MORTGAGE INVESTORS GROUP, INC. | $29,045,000 | $25,495,000 | -12.2% | 1.9% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $21,815,000 | $24,775,000 | 13.6% | 1.9% |
| The Bank of Marion | $25,090,000 | $23,160,000 | -7.7% | 1.8% |
| First Horizon Bank | $26,310,000 | $22,740,000 | -13.6% | 1.7% |
| CARDINAL FINANCIAL | $29,435,000 | $19,740,000 | -32.9% | 1.5% |
| FREEDOM MORTGAGE CORPORATION | $4,625,000 | $16,910,000 | 265.6% | 1.3% |
| Appalachian Community Federal Credit Union | $7,735,000 | $14,080,000 | 82.0% | 1.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $15,840,000 | $13,795,000 | -12.9% | 1.1% |
| Regions Bank | $11,875,000 | $13,580,000 | 14.4% | 1.0% |
| Sierra Pacific Mortgage Company, Inc. | $14,020,000 | $13,555,000 | -3.3% | 1.0% |
| Bank of Tennessee | $22,850,000 | $13,515,000 | -40.9% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $7,905,000 | $13,240,000 | 67.5% | 1.0% |
| ROSS MORTGAGE CORPORATION | $6,930,000 | $12,965,000 | 87.1% | 1.0% |
| GREYSTONE SERVICING COMPANY LLC | $11,975,000 | n/a | 0.9% | |
| Powell Valley National Bank | $10,825,000 | $11,495,000 | 6.2% | 0.9% |
| EVERETT FINANCIAL, INC. | $5,470,000 | $11,325,000 | 107.0% | 0.9% |
| New Peoples Bank, Inc. | $15,925,000 | $10,365,000 | -34.9% | 0.8% |
| Truist | $13,385,000 | $10,250,000 | -23.4% | 0.8% |
| Arbor Realty Trust, Inc. | $13,095,000 | $10,225,000 | -21.9% | 0.8% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $13,805,000 | $10,045,000 | -27.2% | 0.8% |
| Renasant Bank | $7,855,000 | $9,665,000 | 23.0% | 0.7% |
| LegacyBank | $325,000 | $9,090,000 | 2,696.9% | 0.7% |
| LOANDEPOT.COM, LLC | $6,165,000 | $8,870,000 | 43.9% | 0.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $5,185,000 | $8,140,000 | 57.0% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $12,125,000 | $8,125,000 | -33.0% | 0.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $670,000 | $7,685,000 | 1,047.0% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $5,450,000 | $7,295,000 | 33.9% | 0.6% |
| U.S. Bank | $5,195,000 | $6,640,000 | 27.8% | 0.5% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | $5,010,000 | $6,550,000 | 30.7% | 0.5% |
| USAA Federal Savings Bank | $7,475,000 | $6,350,000 | -15.1% | 0.5% |
| STOCKTON MORTGAGE CORPORATION | $5,820,000 | $6,085,000 | 4.6% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $1,595,000 | $5,880,000 | 268.7% | 0.4% |
| UNION HOME MORTGAGE CORP. | $3,420,000 | $5,775,000 | 68.9% | 0.4% |
| Farm Credit Mid-America, ACA | $3,845,000 | $5,620,000 | 46.2% | 0.4% |
| FIRST INTEGRITY MORTGAGE SERVICES, INC. | $2,250,000 | $5,595,000 | 148.7% | 0.4% |
| 21ST MORTGAGE CORPORATION | $3,430,000 | $5,450,000 | 58.9% | 0.4% |
| NEWREZ LLC | $3,975,000 | $5,395,000 | 35.7% | 0.4% |
| Bank of America | $2,205,000 | $5,115,000 | 132.0% | 0.4% |
| JPMorgan Chase Bank | $2,085,000 | $4,960,000 | 137.9% | 0.4% |
| ORIX REAL ESTATE CAPITAL, LLC | $4,885,000 | n/a | 0.4% | |
| Carrington Mortgage Services, LLC | $2,220,000 | $4,835,000 | 117.8% | 0.4% |
| First Community Bank of East Tennessee | $6,910,000 | $4,730,000 | -31.5% | 0.4% |
| Elizabethton Federal Savings Bank | $4,315,000 | $4,510,000 | 4.5% | 0.3% |
| DELMAR FINANCIAL COMPANY | $1,325,000 | $4,490,000 | 238.9% | 0.3% |
| GUILD MORTGAGE COMPANY | $310,000 | $4,460,000 | 1,338.7% | 0.3% |
| Wells Fargo Bank | $4,000,000 | $4,455,000 | 11.4% | 0.3% |
| LEADERONE FINANCIAL CORPORATION | $4,745,000 | $4,435,000 | -6.5% | 0.3% |
| CMG MORTGAGE, INC. | $4,650,000 | $4,400,000 | -5.4% | 0.3% |
| ALAMEDA MORTGAGE CORPORATION | $8,630,000 | $4,390,000 | -49.1% | 0.3% |
| CONSUMER Credit Union | $2,525,000 | $4,275,000 | 69.3% | 0.3% |
| BROKER SOLUTIONS, INC. | $3,670,000 | $4,175,000 | 13.8% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,525,000 | $3,990,000 | 13.2% | 0.3% |
| NEW DAY FINANCIAL, LLC | $2,440,000 | $3,980,000 | 63.1% | 0.3% |
| Kingsport Press Credit Union | $5,140,000 | $3,910,000 | -23.9% | 0.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,790,000 | $3,880,000 | 116.8% | 0.3% |
| CORNERSTONE HOME LENDING, INC. | $440,000 | $3,815,000 | 767.0% | 0.3% |
| Century Mortgage Company DBA Century Lending Company | $2,045,000 | $3,800,000 | 85.8% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $275,000 | $3,725,000 | 1,254.5% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $2,920,000 | $3,610,000 | 23.6% | 0.3% |
| FIRST COMMUNITY MORTGAGE, INC. | $4,540,000 | $3,575,000 | -21.3% | 0.3% |
| Citizens Bank | $1,925,000 | $3,245,000 | 68.6% | 0.2% |
| GUARANTEED RATE, INC. | $7,250,000 | $3,245,000 | -55.2% | 0.2% |
| ORNL Federal Credit Union | $1,450,000 | $2,920,000 | 101.4% | 0.2% |
| PLANET HOME LENDING, LLC | $1,625,000 | $2,855,000 | 75.7% | 0.2% |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,330,000 | $2,715,000 | 104.1% | 0.2% |
| Farmers and Miners Bank | $1,720,000 | $2,690,000 | 56.4% | 0.2% |
| Blue Ridge Bank | $895,000 | $2,630,000 | 193.9% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $1,385,000 | $2,515,000 | 81.6% | 0.2% |
| NATIONAL BANKSHARES, INC. | $1,050,000 | $2,340,000 | 122.9% | 0.2% |
| Discover Bank | $1,920,000 | $2,330,000 | 21.4% | 0.2% |
| The Federal Savings Bank | $900,000 | $2,320,000 | 157.8% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $3,265,000 | $2,105,000 | -35.5% | 0.2% |
| Atlantic Union Bank | $2,885,000 | $2,065,000 | -28.4% | 0.2% |
| Farm Credit of the Virginias, ACA | $1,080,000 | $1,995,000 | 84.7% | 0.2% |
| Commercial Bank | $1,405,000 | $1,965,000 | 39.9% | 0.1% |
| Skyline National Bank | $915,000 | $1,965,000 | 114.8% | 0.1% |
| NBKC BANK | $935,000 | $1,955,000 | 109.1% | 0.1% |
| SUMMIT FUNDING, INC. | $680,000 | $1,860,000 | 173.5% | 0.1% |
| Morgan Stanley Private Bank | $1,380,000 | $1,805,000 | 30.8% | 0.1% |
| MILEND, INC. | $1,655,000 | $1,775,000 | 7.3% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $2,380,000 | $1,765,000 | -25.8% | 0.1% |
| SIRVA MORTGAGE, INC. | $135,000 | $1,755,000 | 1,200.0% | 0.1% |
| 1ST SIGNATURE LENDING, LLC | $540,000 | $1,735,000 | 221.3% | 0.1% |
| Equity Prime Mortgage LLC | $1,260,000 | $1,710,000 | 35.7% | 0.1% |
| BRIGHTSTAR | $1,685,000 | n/a | 0.1% | |
| Lee Bank and Trust Company | $1,020,000 | $1,680,000 | 64.7% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $1,305,000 | $1,650,000 | 26.4% | 0.1% |
| Prosperity Home Mortgage, LLC | $680,000 | $1,615,000 | 137.5% | 0.1% |
| T2 FINANCIAL LLC | $1,600,000 | n/a | 0.1% | |
| EVANSVILLE TEACHERS | $1,385,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $2,450,000 | $1,370,000 | -44.1% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $1,475,000 | $1,360,000 | -7.8% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $690,000 | $1,345,000 | 94.9% | 0.1% |
| HomeTrust Bank | $2,370,000 | $1,335,000 | -43.7% | 0.1% |
| Figure Lending LLC | $920,000 | $1,295,000 | 40.8% | 0.1% |
| Fifth Third Bank | $430,000 | $1,275,000 | 196.5% | 0.1% |
| Nations Lending Corporation | $1,045,000 | $1,270,000 | 21.5% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,265,000 | n/a | 0.1% | |
| Gateway First Bank | $245,000 | $1,245,000 | 408.2% | 0.1% |
| The Huntington National Bank | $360,000 | $1,225,000 | 240.3% | 0.1% |
| FirstBank | $230,000 | $1,215,000 | 428.3% | 0.1% |
| PNC Bank | $880,000 | $1,210,000 | 37.5% | 0.1% |
| Baxter Credit Union | $135,000 | $1,205,000 | 792.6% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $1,030,000 | $1,175,000 | 14.1% | 0.1% |
| Wolfe Financial, Inc | $535,000 | $1,165,000 | 117.8% | 0.1% |
| AmeriHome Mortgage Company, LLC | $185,000 | $1,155,000 | 524.3% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $1,330,000 | $1,130,000 | -15.0% | 0.1% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $1,120,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $1,965,000 | $1,095,000 | -44.3% | 0.1% |
| BancorpSouth | $475,000 | $1,060,000 | 123.2% | 0.1% |
| Bell Bank | $1,040,000 | n/a | 0.1% | |
| Magnolia Bank | $245,000 | $995,000 | 306.1% | 0.1% |
| Mid-Continent Funding, Inc. | $945,000 | $980,000 | 3.7% | 0.1% |
| VERITAS FUNDING, LLC | $440,000 | $980,000 | 122.7% | 0.1% |
| First-Citizens Bank & Trust Company | $1,495,000 | $960,000 | -35.8% | 0.1% |
| BETTER MORTGAGE CORPORATION | $625,000 | $955,000 | 52.8% | 0.1% |
| Andrew Johnson Bank | $4,410,000 | $945,000 | -78.6% | 0.1% |
| Horizon Credit Union | $1,235,000 | $935,000 | -24.3% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $935,000 | n/a | 0.1% | |
| BM Real Estate Services, Inc. | $910,000 | n/a | 0.1% | |
| Citizens Bank | $1,925,000 | $905,000 | -53.0% | 0.1% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $3,915,000 | $890,000 | -77.3% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $165,000 | $880,000 | 433.3% | 0.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | $875,000 | n/a | 0.1% | |
| SOUTHWEST STAGE FUNDING, LLC | $1,450,000 | $870,000 | -40.0% | 0.1% |
| INTERCOASTAL MORTGAGE COMPANY | $865,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $3,220,000 | $865,000 | -73.1% | 0.1% |
| First Community Bank | $2,875,000 | $855,000 | -70.3% | 0.1% |
| GMFS LLC | $840,000 | n/a | 0.1% | |
| The Loan Store, Inc. | $825,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $1,000,000 | $820,000 | -18.0% | 0.1% |
| The Dart Bank | $785,000 | n/a | 0.1% | |
| First Reliance Bank | $340,000 | $780,000 | 129.4% | 0.1% |
| Dollar Bank, Federal Savings Bank | $765,000 | n/a | 0.1% | |
| Farmers Bank & Trust | $315,000 | $745,000 | 136.5% | 0.1% |
| AMWEST FUNDING CORP. | $725,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $940,000 | $720,000 | -23.4% | 0.1% |
| Virginia Credit Union, Inc. | $1,310,000 | $720,000 | -45.0% | 0.1% |
| Flagstar Bank, FSB | $535,000 | $705,000 | 31.8% | 0.1% |
| Countybank | $325,000 | $700,000 | 115.4% | 0.1% |
| ISERVE RESIDENTIAL LENDING, LLC | $1,855,000 | $680,000 | -63.3% | 0.1% |
| Waterstone Mortgage Corporation | $500,000 | $670,000 | 34.0% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $480,000 | $665,000 | 38.5% | 0.1% |
| OCMBC, INC. | $500,000 | $660,000 | 32.0% | 0.1% |
| Alcova Mortgage LLC | $915,000 | $655,000 | -28.4% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $600,000 | $655,000 | 9.2% | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $1,265,000 | $645,000 | -49.0% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $855,000 | $645,000 | -24.6% | 0.0% |
| DIGITAL Federal Credit Union | $370,000 | $640,000 | 73.0% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $205,000 | $630,000 | 207.3% | 0.0% |
| EMBRACE HOME LOANS, INC. | $620,000 | n/a | 0.0% | |
| FIRST SAVINGS MORTGAGE CORPORATION | $615,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $520,000 | $595,000 | 14.4% | 0.0% |
| Mountain Commerce Bank | $725,000 | $595,000 | -17.9% | 0.0% |
| NFM, INC. | $200,000 | $585,000 | 192.5% | 0.0% |
| Citizens Bank and Trust Company of Grainger County | $390,000 | $580,000 | 48.7% | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | $285,000 | $580,000 | 103.5% | 0.0% |
| Ally Bank | $1,575,000 | $570,000 | -63.8% | 0.0% |
| SmartBank | $145,000 | $565,000 | 289.7% | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $750,000 | $555,000 | -26.0% | 0.0% |
| STATE EMPLOYEES' | $2,700,000 | $550,000 | -79.6% | 0.0% |
| Associated Credit Union | $535,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $160,000 | $535,000 | 234.4% | 0.0% |
| SPRING EQ, LLC | $100,000 | $525,000 | 425.0% | 0.0% |
| Heritage Bank | $515,000 | n/a | 0.0% | |
| Burke & Herbert Bank & Trust Company | $505,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $35,000 | $500,000 | 1,328.6% | 0.0% |
| NEXERA HOLDING LLC | $500,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants, Inc. | $480,000 | n/a | 0.0% | |
| TruPoint Bank | $895,000 | $475,000 | -46.9% | 0.0% |
| Ameris Bank | $470,000 | n/a | 0.0% | |
| Coastal Community Bank | $205,000 | $470,000 | 129.3% | 0.0% |
| CLEARPATH LENDING | $185,000 | $465,000 | 151.4% | 0.0% |
| Bank of England | $455,000 | n/a | 0.0% | |
| GUARANTEED RATE AFFINITY, LLC | $185,000 | $455,000 | 145.9% | 0.0% |
| The Freedom Bank of Virginia | $445,000 | n/a | 0.0% | |
| CANOPY MORTGAGE, LLC | $430,000 | n/a | 0.0% | |
| Plains Commerce Bank | $595,000 | $425,000 | -28.6% | 0.0% |
| Raymond James Bank | $425,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $665,000 | $425,000 | -36.1% | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | $410,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $410,000 | n/a | 0.0% | |
| Independence Bank of Kentucky | $405,000 | n/a | 0.0% | |
| MORTGAGEONE, INC. | $395,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $550,000 | $395,000 | -28.2% | 0.0% |
| THE TENNESSEE CREDIT UNION | $540,000 | $395,000 | -26.9% | 0.0% |
| COASTAL Federal Credit Union | $155,000 | $385,000 | 148.4% | 0.0% |
| Peoples Bank of the South | $205,000 | $385,000 | 87.8% | 0.0% |
| Community Bank of Mississippi | $375,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $375,000 | n/a | 0.0% | |
| Southern Bank and Trust Company | $305,000 | $375,000 | 23.0% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $610,000 | $370,000 | -39.3% | 0.0% |
| TOWNE MORTGAGE COMPANY | $515,000 | $360,000 | -30.1% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $890,000 | $355,000 | -60.1% | 0.0% |
| MORTGAGE ACCESS CORP. | $2,195,000 | $355,000 | -83.8% | 0.0% |
| POLARIS HOME FUNDING CORP. | $245,000 | $355,000 | 44.9% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $410,000 | $350,000 | -14.6% | 0.0% |
| INTELLILOAN, INC. | $345,000 | n/a | 0.0% | |
| Atlantic Coast Mortgage, LLC | $335,000 | n/a | 0.0% | |
| First Citizens National Bank | $335,000 | n/a | 0.0% | |
| Sunflower Bank | $335,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $325,000 | n/a | 0.0% | |
| CAPITAL CENTER, L.L.C. | $355,000 | $315,000 | -11.3% | 0.0% |
| GoPrime Mortgage, Inc. | $295,000 | $315,000 | 6.8% | 0.0% |
| PREMIA MORTGAGE, LLC | $95,000 | $315,000 | 231.6% | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $245,000 | $315,000 | 28.6% | 0.0% |
| Arvest Bank | $55,000 | $305,000 | 454.5% | 0.0% |
| Bethpage Federal Credit Union | $400,000 | $305,000 | -23.8% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $305,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $300,000 | n/a | 0.0% | |
| American Security Mortgage Corp. | $275,000 | $295,000 | 7.3% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $295,000 | n/a | 0.0% | |
| CapStar Bank | $330,000 | $290,000 | -12.1% | 0.0% |
| ENRICHMENT | $2,885,000 | $290,000 | -89.9% | 0.0% |
| Pinnacle Bank | $700,000 | $285,000 | -59.3% | 0.0% |
| The Fidelity Bank | $285,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $1,000,000 | $270,000 | -73.0% | 0.0% |
| First Federal Bank | $215,000 | $265,000 | 23.3% | 0.0% |
| Citibank | $320,000 | $255,000 | -20.3% | 0.0% |
| CSL Financial, LLC | $255,000 | n/a | 0.0% | |
| NORTHEAST COMMUNITY | $250,000 | $250,000 | 0.0% | 0.0% |
| Vellum Mortgage, Inc. | $305,000 | $250,000 | -18.0% | 0.0% |
| Chicago Patrolmen's Federal Credit Union | $245,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $75,000 | $245,000 | 226.7% | 0.0% |
| ENDEAVOR CAPITAL, LLC. | $265,000 | $245,000 | -7.5% | 0.0% |
| Performance Financial, Inc. | $245,000 | n/a | 0.0% | |
| Brighton Bank | $235,000 | n/a | 0.0% | |
| Legacy Home Loans, LLC | $415,000 | $235,000 | -43.4% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $230,000 | n/a | 0.0% | |
| KeyBank | $225,000 | n/a | 0.0% | |
| MYCUMORTGAGE, LLC | $225,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $220,000 | $225,000 | 2.3% | 0.0% |
| SeaTrust Mortgage Company | $225,000 | n/a | 0.0% | |
| FLAT BRANCH MORTGAGE, INC. | $145,000 | $215,000 | 48.3% | 0.0% |
| GREENSTATE CREDIT UNION | $215,000 | n/a | 0.0% | |
| HomePromise Corporation | $205,000 | $215,000 | 4.9% | 0.0% |
| LOCAL GOVERNMENT FEDERAL CREDIT UNION | $215,000 | n/a | 0.0% | |
| NJ LENDERS CORP. | $115,000 | $215,000 | 87.0% | 0.0% |
| Republic Bank & Trust Company | $215,000 | n/a | 0.0% | |
| TOTAL MORTGAGE SERVICES, LLC | $620,000 | $215,000 | -65.3% | 0.0% |
| Apex Bank | $200,000 | $210,000 | 5.0% | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | $205,000 | n/a | 0.0% | |
| Loan Simple, Inc. | $205,000 | n/a | 0.0% | |
| NBH Bank | $205,000 | n/a | 0.0% | |
| Old National Bank | $205,000 | n/a | 0.0% | |
| PEACH STATE FEDERAL CREDIT UNION | $205,000 | n/a | 0.0% | |
| TOWER | $205,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $195,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $195,000 | n/a | 0.0% | |
| Luxury Mortgage Corp. | $195,000 | n/a | 0.0% | |
| Victorian Finance, LLC | $195,000 | n/a | 0.0% | |
| Clinchfield Federal Credit Union | $190,000 | n/a | 0.0% | |
| BOKF | $185,000 | $185,000 | 0.0% | 0.0% |
| COMMUNITY MORTGAGE CORPORATION | $185,000 | n/a | 0.0% | |
| COMPASS MORTGAGE, INC. | $655,000 | $185,000 | -71.8% | 0.0% |
| Affiliated Bank | $175,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $165,000 | $175,000 | 6.1% | 0.0% |
| LENDINGONE, LLC | $165,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $155,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $210,000 | $155,000 | -26.2% | 0.0% |
| M&T Bank | $710,000 | $155,000 | -78.2% | 0.0% |
| NexBank | $675,000 | $155,000 | -77.0% | 0.0% |
| LOANPAL, LLC | $245,000 | $150,000 | -38.8% | 0.0% |
| United Bank | $145,000 | n/a | 0.0% | |
| ALL REVERSE MORTGAGE, INC. | $135,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $665,000 | $125,000 | -81.2% | 0.0% |
| Iroquois Federal Savings and Loan Association | $125,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $125,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $125,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $135,000 | $115,000 | -14.8% | 0.0% |
| Financial Funding Solutions, Inc. | $115,000 | n/a | 0.0% | |
| SENTE MORTGAGE, INC. | $115,000 | n/a | 0.0% | |
| CHEVRON | $105,000 | n/a | 0.0% | |
| GEORGIA UNITED | $105,000 | n/a | 0.0% | |
| Home Federal Bank Corporation | $95,000 | $105,000 | 10.5% | 0.0% |
| Truliant Federal Credit Union | $310,000 | $105,000 | -66.1% | 0.0% |
| Deseret First Credit Union | $95,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $95,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $115,000 | $90,000 | -21.7% | 0.0% |
| LADERA LENDING, INC. | $540,000 | $85,000 | -84.3% | 0.0% |
| CIS Financial Services, Inc. | $45,000 | n/a | 0.0% | |
| CONSUMERS COOPERATIVE CREDIT UNION | $45,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $105,000 | $45,000 | -57.1% | 0.0% |
| LANGLEY | $35,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $25,000 | n/a | 0.0% |
KINGSPORT - BRISTOL's top lender by overall market share is EASTMAN, with 20.7% market share. In second place, with 6.5%, is QUICKEN LOANS, LLC, having originated $84,870,000 in loans. In third place, with 5.2%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $67,640,000 in loans. In fourth place, with 4.0%, is MOVEMENT MORTGAGE, LLC, having originated $53,030,000 in loans. In fifth place, with 3.5%, is FIRST BANCORP, having originated $45,390,000 in loans.
KINGSPORT-BRISTOL, TN-VA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 3,432 | $856,740,000 | $249,633 |
| Cash Out Refi | 1,091 | $196,015,000 | $179,665 |
| Home Improvement | 721 | $56,565,000 | $78,454 |
| Other | 688 | $60,040,000 | $87,267 |
| Refi | 582 | $142,060,000 | $244,089 |
Kingsport - Bristol's most frequently cited loan purpose was Home Purchase, with 3,432 originations. The 2nd most popular reason was Cash Out Refi, with 1,091 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 2,403 | $537,355,000 | $223,618 |
| 7-8% | 1,562 | $279,190,000 | $178,739 |
| Over 8% | 1,278 | $162,440,000 | $127,105 |
| 5-6% | 752 | $230,320,000 | $306,277 |
| 4-5% | 51 | $12,505,000 | $245,196 |
| <2.5% | 26 | $250,000 | $9,615 |
| 3-4% | 6 | $960,000 | $160,000 |
| 2.5-3% | 2 | $430,000 | $215,000 |
During 2024, Kingsport - Bristol's most frequently originated rate bucket was 6-7%, with 2,403 originations.
Loan Sizing (KINGSPORT-BRISTOL, TN-VA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 2,124 | $578,730,000 | $272,472 |
| $100k-200k | 2,087 | $312,115,000 | $149,552 |
| $100,000 or less | 1,850 | $100,300,000 | $54,216 |
| $400k-600k | 333 | $158,475,000 | $475,901 |
| $600k-1000k | 89 | $62,935,000 | $707,135 |
| $Over $1MM | 31 | $98,865,000 | $3,189,194 |
KINGSPORT - BRISTOL's loan sizing saw the bucket of loans from $200k-400k with 2,124 originations, totaling $578,730,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 2,328 | $599,840,000 | $257,663 |
| 60-80% | 1,202 | $332,070,000 | $276,265 |
| 20-40% | 849 | $82,075,000 | $96,673 |
| Under 20% | 849 | $36,985,000 | $43,563 |
| 40-60% | 648 | $111,790,000 | $172,515 |
| Over 100% | 100 | $29,670,000 | $296,700 |
KINGSPORT - BRISTOL's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,328 originations, totaling $599,840,000 in origination value.