KINGSPORT - BRISTOL Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Kingsport - Bristol averaged 3.92% for the week of 2021-11-24, compared to the national average of 3.1% for the same period.

The average rate for the prior week (2021-11-18) was 3.72% and one month ago for the week of 2021-10-21, the average rate was 4.01%.

Kingsport - Bristol's average rate one year ago was 3.34%.

For refis of the same type during the week of 2021-11-24, the average rate was 3.53%.

Loan Type Date Rate
US 30 Year Fixed Rate 2021-11-24 3.1%
Kingsport - Bristol 30 Year Fixed Rate 2021-11-24 3.92%
Kingsport - Bristol 30 Year Fixed Rate Refi 2021-11-24 3.53%
Kingsport - Bristol 15 Year Fixed Rate 2021-11-24 3.16%
Kingsport - Bristol 15 Year Fixed Rate Refi 2021-11-24 2.55%
Kingsport - Bristol 30 Year FHA 2021-11-24 3.37%
Kingsport - Bristol 30 Year FHA Refi 2021-11-24 3.57%
Kingsport - Bristol 30 Year USDA 2021-11-24 3.47%
Kingsport - Bristol 30 Year USDA Refi 2021-11-24 3.4%
Kingsport - Bristol 30 Year VA 2021-11-24 3.4%
Kingsport - Bristol 30 Year VA Refi 2021-11-24 3.17%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within KINGSPORT-BRISTOL, TN-VA.

KINGSPORT - BRISTOL Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, 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.).

Name # of Loans 2020 Avg. 30yFix Rate 2020 Avg. Total Fees
EASTMAN 1,273 4.32% $2,936
FIRST BANCORP, INC. 293 3.22% $2,781
QUICKEN LOANS, LLC 264 3.32% $4,674
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 149 3.36% $4,579
ARK-LA-TEX FINANCIAL SERVICES, LLC. 107 3.44% $2,672
MOVEMENT MORTGAGE, LLC 78 3.25% $3,254
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 68 3.50% $2,535
MORTGAGE INVESTORS GROUP, INC. 66 3.38% $3,976
LOANDEPOT.COM, LLC 61 3.28% $4,662
Bank of Tennessee 60 3.45% $3,204
Truist Bank 48 3.30% $3,193
HANCOCK MORTGAGE PARTNERS, LLC 47 3.25% $6,642
UNITED WHOLESALE MORTGAGE, LLC 47 3.24% $4,824
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 47 3.69% $3,649
Wells Fargo Bank, National Association 45 3.33% $2,469
First Horizon Bank 41 3.53% $3,333
Regions Bank 39 3.49% $2,499
Renasant Bank 39 3.28% $3,456
CALIBER HOME LOANS, INC. 34 3.24% $4,448
First Community Bank 31 3.24% $3,376
GUARANTEED RATE, INC. 30 3.28% $3,839
Citizens Bank, National Association 29 3.43% $3,678
STOCKTON MORTGAGE CORPORATION 26 2.99% $3,186
Farm Credit Mid-America, ACA 26 3.55% $8,814
HomeTrust Bank 25 3.31% $3,030
KNOXVILLE TVA EMPLOYEES CREDIT UNION 23 3.45% $3,990
TOWNE MORTGAGE COMPANY 22 3.40% $3,693
NAVY FEDERAL CREDIT UNION 22 3.67% $4,537
DHI MORTGAGE COMPANY, LTD. 20 2.98% $2,239
SUCCESS MORTGAGE PARTNERS, INC. 20 3.21% $3,990
AMERISAVE MORTGAGE CORPORATION 19 2.97% $4,339
U.S. Bank National Association 14 3.46% $2,664
ROYAL UNITED MORTGAGE LLC 14 3.61% $5,710
GMFS LLC 14 3.39% $4,053
CMG MORTGAGE, INC. 13 3.27% $4,370
Bank of America, National Association 13 3.47% $3,663
JPMorgan Chase Bank, National Association 12 3.36% $2,876
Kingsport Press Credit Union 12 3.54% $2,261
SECURITYNATIONAL MORTGAGE COMPANY 11 3.06% $3,218
CROSSCOUNTRY MORTGAGE, LLC 11 3.71% $4,227
New Peoples Bank, Inc. 10 3.91% $3,556
GENEVA FINANCIAL, LLC 10 3.05% $5,139
AgFirst Farm Credit Bank 10 3.40% $2,838
Commercial Bank 10 4.45% $6,935
NEWREZ LLC 9 3.33% $3,596
BETTER MORTGAGE CORPORATION 9 2.90% $3,241
Farm Credit of the Virginias, ACA 9 4.70% $4,850
STEARNS LENDING, LLC 9 3.19% $3,607
FREEDOM MORTGAGE CORPORATION 9 3.94% $2,223
PENNYMAC LOAN SERVICES, LLC 9 3.29% $5,240
Hometown Lenders, Inc. 8 3.23% $4,064
PRIMARY RESIDENTIAL MORTGAGE, INC. 8 3.20% $4,364
FIRST COMMUNITY MORTGAGE, INC. 8 4.25% $4,010
BROKER SOLUTIONS, INC. 7 3.36% $4,490
RELIANCE FIRST CAPITAL, LLC 7 3.61% $6,058
A Mortgage Boutique, LLC 7 3.39% $3,953
AMERICAN FINANCIAL NETWORK, INC. 7 3.11% $5,125
AMERICAN FINANCING CORPORATION 6 3.17% $4,352
Wyndham Capital Mortgage, Inc. 6 3.04% $2,442
UNION HOME MORTGAGE CORP. 6 3.50% $3,167
Virginia Credit Union, Inc. 5 2.95% $2,559
Gateway First Bank 5 3.78% $3,415
HOME POINT FINANCIAL CORPORATION 5 3.43% $3,862
Alcova Mortgage LLC 5 3.40% $2,387
LAKEVIEW LOAN SERVICING, LLC 5 3.00% $2,950
Sierra Pacific Mortgage Company, Inc. 5 3.20% $8,657
USAA Federal Savings Bank 5 3.45% $4,703
CHURCHILL MORTGAGE CORPORATION 5 3.62% $4,031
CONSUMER Credit Union 4 2.75% $2,022
Flagstar Bank, FSB 4 3.34% $3,532
InterContinental Capital Group, Inc 4 3.09% $4,301
KELLER MORTGAGE, LLC 4 3.13% $4,113
NATIONSTAR MORTGAGE LLC 4 3.62% $5,209
ORNL Federal Credit Union 4 3.38% $4,304
Pinnacle Bank 4 3.38% $2,782
STATE EMPLOYEES' 4 4.13% $2,592
RUOFF MORTGAGE COMPANY, INC. 3 2.96% $3,084
EMBRACE HOME LOANS, INC. 3 3.33% $4,778
ZILLOW HOME LOANS, LLC 3 3.46% $1,789
Fifth Third Bank, National Association 3 3.41% $2,811
Paramount Residential Mortgage Group, Inc. 3 3.17% $4,639
PLANET HOME LENDING, LLC 3 3.92% $4,590
PNC Bank, National Association 3 3.25% $3,559
MUTUAL OF OMAHA MORTGAGE, INC. 3 3.00% $3,788
ARC HOME LLC 3 3.96% $4,509
NATIONAL BANKSHARES, INC. 3 3.00% $2,519
CAPITAL CENTER, L.L.C. 3 3.21% $571
ISERVE RESIDENTIAL LENDING, LLC 3 3.63% $7,150
The Huntington National Bank 2 3.44% $2,488
Nations Lending Corporation 2 3.13% $9,551
Citibank, National Association 2 3.13% $5,852
ACADEMY MORTGAGE CORPORATION 2 3.69% $3,105
CRESCENT MORTGAGE COMPANY 2 3.19% $3,197
Community Trust Bank, Inc. 2 3.00% $2,371
ASCEND FEDERAL CREDIT UNION 2 3.38% $4,617
Ally Bank 2 2.94% $4,235
LEADERONE FINANCIAL CORPORATION 2 2.88% $3,425
First Home Bank 2 3.25% $5,029
UBS Bank USA 2 2.88% $4,273
GUILD MORTGAGE COMPANY 2 4.31% $3,572
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 8.13% $3,514
First-Citizens Bank & Trust Company 2 3.25% $2,838
HOMESTEAD FUNDING CORP. 2 2.56% $4,579
MCLEAN MORTGAGE CORPORATION 2 2.69% $2,823
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 3.44% $5,741
ENVOY MORTGAGE, LTD 2 3.06% $4,703
Prosperity Home Mortgage, LLC 2 3.19% $3,697
PROVIDENT FUNDING ASSOCIATES, L.P. 2 2.94% $2,553
North American Savings Bank, F.S.B. 2 3.38% $3,634
Northpointe Bank 2 3.19% $2,355
Iberiabank 2 2.75% $3,023
MORTGAGE ACCESS CORP. 2 2.87% $5,467
Mortgage Assurance Inc. 2 3.06% $1,974
C & F Mortgage Corporation 1 2.88% $4,283
BNC National Bank 1 3.25% $2,000
Blue Ridge Bank, National Association 1 3.88% $3,314
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.63% $685
Bethpage Federal Credit Union 1 3.50% $5,665
BAY EQUITY LLC 1 3.38% $3,301
Austin Capital Bank SSB 1 2.50% $3,434
SmartBank 1 2.75% $2,354
SOUTHPOINT FINANCIAL SERVICES, INC. 1 3.38% $4,652
Aurora Financial, LLC 1 3.00% $1,912
Atlantic Union Bank 1 2.88% $3,964
ASSEMBLIES OF GOD Credit Union 1 3.25% $2,546
SUN WEST MORTGAGE COMPANY, INC. 1 3.38% $0
T2 FINANCIAL LLC 1 3.25% $2,641
The Fidelity Bank 1 3.75% $2,825
THE MORTGAGE FIRM, INC. 1 3.75% $3,345
THE TENNESSEE CREDIT UNION 1 3.00% $2,108
Third Federal Savings and Loan Association of Cleveland 1 2.34% $5,514
THRIVE MORTGAGE, LLC 1 2.75% $2,437
Towne Bank 1 3.13% $3,652
Triumph Bank 1 2.75% $4,573
Arvest Bank 1 3.00% $2,810
Trustmark National Bank 1 3.38% $4,213
AmeriHome Mortgage Company, LLC 1 4.99% $3,676
AMERICAN INTERNET MORTGAGE, INC. 1 3.25% $3,945
U. T. 1 3.38% $5,122
VANDERBILT MORTGAGE AND FINANCE, INC. 1 2.88% $3,168
V.I.P. MORTGAGE, INC. 1 3.37% $3,248
AMCAP MORTGAGE, LTD. 1 2.88% $3,594
First Internet Bank of Indiana 1 4.63% $3,179
First Guaranty Mortgage Corporation 1 2.88% $1,343
GREAT WESTERN FINANCIAL SERVICES, INC. 1 2.75% $3,500
GUARANTY HOME MORTGAGE CORPORATION 1 3.25% $2,767
FirstBank 1 3.00% $3,074
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 3.50% $3,053
HomePromise Corporation 1 4.13% $5,733
HOMESIDE FINANCIAL, LLC 1 4.50% $5,175
ENRICHMENT 1 5.25% $7,954
ENDEAVOR CAPITAL, LLC. 1 2.88% $3,956
INTERCOASTAL MORTGAGE COMPANY 1 3.88% $3,093
Ixonia Bank 1 2.88% $1,091
WesBanco Bank, Inc. 1 2.88% $2,475
DRAPER AND KRAMER MORTGAGE CORP. 1 3.49% $3,153
Discover Bank 1 4.99% $0
LENDSURE MORTGAGE CORP. 1 5.25% $11,178
LENOX FINANCIAL MORTGAGE CORPORATION 1 3.13% $2,690
L & N Federal Credit Union 1 3.00% $2,340
Countybank 1 2.88% $2,479
MEMBER ONE 1 3.00% $2,667
MIDFLORIDA 1 3.25% $2,699
MLD MORTGAGE INC. 1 3.00% $4,134
MORIA DEVELOPMENT, INC. 1 3.50% $2,590
Mortgage Network, Inc. 1 3.75% $3,257
WINNPOINTE CORPORATION 1 3.63% $1,222
NATIONWIDE MORTGAGE BANKERS, INC. 1 2.75% $4,897
Colonial Savings, F.A. 1 3.38% $3,194
NBH Bank 1 3.38% $3,291
NBKC BANK 1 2.99% $3,047
NETWORK CAPITAL FUNDING CORPORATION 1 2.50% $4,993
CityWorth Mortgage LLC 1 2.38% $5,000
CITIZENS EQUITY FIRST 1 3.50% $2,617
NFM, INC. 1 2.75% $5,829
NORTHROP GRUMMAN Federal Credit Union 1 2.75% $3,506
ON Q FINANCIAL, INC. 1 3.25% $3,791
ALLIED MORTGAGE GROUP, INC. 1 3.50% $8,419
PHH Mortgage Corporation 1 3.13% $4,679
PIKE CREEK MORTGAGE SERVICES, INC. 1 3.00% $2,499
Y-12 Federal Credit Union 1 4.38% $3,754
PREMIA MORTGAGE, LLC 1 3.25% $6,437
CHERRY CREEK MORTGAGE, LLC 1 4.00% $530

KINGSPORT-BRISTOL, TN-VA's 183 lenders originated 9,621 loans during 2020. The total origination value was $1,716,575,000, with an average loan value of $178,420.

The top KINGSPORT - BRISTOL lender as defined by loan originations is EASTMAN, with 1,273 loans originated. Their average total fees are $2,936, which is $155 higher than the next largest lender, FIRST BANCORP, INC..

The lowest fee KINGSPORT - BRISTOL lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($2,239), Kingsport Press Credit Union ($2,261), Wells Fargo Bank, National Association ($2,469), Regions Bank ($2,499) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($2,535).

The lowest rate KINGSPORT - BRISTOL lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.97%), DHI MORTGAGE COMPANY, LTD. (2.98%), STOCKTON MORTGAGE CORPORATION (2.99%), GENEVA FINANCIAL, LLC (3.05%) and SECURITYNATIONAL MORTGAGE COMPANY (3.06%).

KINGSPORT-BRISTOL, TN-VA Lender 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 2019 Loan Value 2020 Loan Value % Change 2020 Market Share
Eastman Credit Union $255,395,000 $376,100,000 47.3% 21.9%
Quicken Loans $65,330,000 $132,135,000 102.3% 7.7%
The First Bank and Trust Company $41,550,000 $102,080,000 145.7% 5.9%
Cardinal Financial Company LP $35,045,000 $62,770,000 79.1% 3.7%
Freedom Mortgage Corporation $17,990,000 $51,150,000 184.3% 3.0%
Ark-La-Tex Financial Services LLC $38,315,000 $49,330,000 28.7% 2.9%
KeyBank National Association $47,420,000 n/a 2.8%
Arbor Realty Trust Inc $46,815,000 n/a 2.7%
MORTGAGE INVESTORS GROUP $25,005,000 $29,310,000 17.2% 1.7%
MOVEMENT MORTGAGE, LLC $18,685,000 $29,165,000 56.1% 1.7%
THE BANK OF MARION $10,670,000 $28,720,000 169.2% 1.7%
loanDepot LLC $13,910,000 $27,485,000 97.6% 1.6%
FAIRWAY INDEPENDENT MORT CORP $11,890,000 $26,540,000 123.2% 1.5%
BANK OF TENNESSEE $13,710,000 $26,280,000 91.7% 1.5%
First Tennessee Bank National $30,060,000 $24,475,000 -18.6% 1.4%
REGIONS BANK $13,705,000 $24,035,000 75.4% 1.4%
Branch Banking And Trust Co $15,565,000 $23,180,000 48.9% 1.4%
Mortgage Research Center LLC $12,695,000 $22,835,000 79.9% 1.3%
RENASANT BANK $8,040,000 $22,790,000 183.5% 1.3%
United Shore Financial Services LLC $12,990,000 $19,190,000 47.7% 1.1%
Hancock Mortgage Partners LLC $18,890,000 $18,795,000 -0.5% 1.1%
Caliber Home Loans Inc $12,030,000 $18,325,000 52.3% 1.1%
WALKER & DUNLOP, LLC $18,090,000 n/a 1.1%
WELLS FARGO BANK NA $16,660,000 $17,940,000 7.7% 1.0%
Guaranteed Rate Inc. $870,000 $16,970,000 1,850.6% 1.0%
Atlantic Bay Mortgage Group LLC $14,445,000 $14,420,000 -0.2% 0.8%
First Community Bank $2,500,000 $13,400,000 436.0% 0.8%
New Peoples Bank, Inc. $16,710,000 $13,170,000 -21.2% 0.8%
Farm Credit Mid-America $7,100,000 $12,560,000 76.9% 0.7%
VANDERBILT MORTGAGE AND FINANCE, INC $8,550,000 $11,550,000 35.1% 0.7%
NAVY FEDERAL CREDIT UNION $6,835,000 $10,380,000 51.9% 0.6%
PENNYMAC LOAN SERVICES LLC $3,880,000 $10,000,000 157.7% 0.6%
Nationstar Mortgage $9,370,000 $9,610,000 2.6% 0.6%
USAA FEDERAL SAVINGS BANK $13,280,000 $9,315,000 -29.9% 0.5%
Towne Mortgage Company $7,550,000 $9,040,000 19.7% 0.5%
Powell Valley National Bank $10,250,000 $8,845,000 -13.7% 0.5%
HomeTrust Bank $8,160,000 $8,240,000 1.0% 0.5%
CBNA $9,835,000 $8,155,000 -17.1% 0.5%
DHI Mortgage Company Limited $7,965,000 n/a 0.5%
Knoxville TVA Employees Credit Union $5,540,000 $7,605,000 37.3% 0.4%
Stockton Mortgage Corporation $545,000 $7,600,000 1,294.5% 0.4%
US BANK, N.A. $5,405,000 $7,310,000 35.2% 0.4%
Lakeview Loan Servicing, LLC $3,545,000 $6,990,000 97.2% 0.4%
CMG Mortgage Inc. $2,765,000 $6,795,000 145.8% 0.4%
Success Mortgage Partners Inc. $3,420,000 $6,485,000 89.6% 0.4%
Amerisave Mortgage Corporation $1,135,000 $6,355,000 459.9% 0.4%
NewDay Financial LLC dba NewDay USA $2,835,000 $5,680,000 100.4% 0.3%
Kingsport Press Credit Union $3,785,000 $5,395,000 42.5% 0.3%
Commercial Bank $1,725,000 $5,330,000 209.0% 0.3%
Elizabethton Federal Savings Bank $3,730,000 $5,245,000 40.6% 0.3%
Bank of America NA $3,520,000 $4,770,000 35.5% 0.3%
Primary Residential Mortgage Inc. $325,000 $4,410,000 1,256.9% 0.3%
FIRST COMMUNITY BANK OF EAST TENNESSEE $3,800,000 $4,095,000 7.8% 0.2%
NATIONAL BANK OF BLACKSBURG $1,340,000 $4,065,000 203.4% 0.2%
Planet Home Lending LLC $1,555,000 $3,985,000 156.3% 0.2%
Clearpath Lending $2,695,000 $3,915,000 45.3% 0.2%
AmeriHomeMortgageCompany,LL $1,145,000 $3,850,000 236.2% 0.2%
Citizens Bank $4,610,000 $3,785,000 -17.9% 0.2%
NEWREZ LLC $1,245,000 $3,755,000 201.6% 0.2%
Berkadia Commercial Mortgage $3,605,000 n/a 0.2%
JPMorgan Chase Bank, NA $3,425,000 $3,595,000 5.0% 0.2%
Geneva Financial LLC $490,000 $3,530,000 620.4% 0.2%
First Community Mortgage Inc. $2,090,000 $3,415,000 63.4% 0.2%
Village Capital & Investment $125,000 $3,365,000 2,592.0% 0.2%
Better Mortgage Corporation $580,000 $3,330,000 474.1% 0.2%
GMFS LLC $1,030,000 $3,275,000 218.0% 0.2%
Hometown Lenders LLC $520,000 $3,260,000 526.9% 0.2%
Sierra Pacific Mortgage $690,000 $3,200,000 363.8% 0.2%
Paramount Residential Mortgage Group Inc. $5,130,000 $3,185,000 -37.9% 0.2%
Farm Credit Of The Virginias $3,120,000 $3,175,000 1.8% 0.2%
American Financial Network Inc. $1,395,000 $3,140,000 125.1% 0.2%
New American Funding (dba for Broker Solutions Inc) $2,180,000 $3,095,000 42.0% 0.2%
Horizon Credit Union $1,505,000 $3,050,000 102.7% 0.2%
SecurityNational Mortgage Company $1,395,000 $2,925,000 109.7% 0.2%
Home Point Financial Corporation $975,000 $2,795,000 186.7% 0.2%
Union Home Mortgage Company $690,000 $2,780,000 302.9% 0.2%
Stearns Lending $2,000,000 $2,580,000 29.0% 0.2%
Intercontinental Capital Group, Inc. $265,000 $2,560,000 866.0% 0.1%
Barrington Bank & Trust $1,990,000 $2,500,000 25.6% 0.1%
Consumer Credit Union $915,000 $2,420,000 164.5% 0.1%
AGFIRST FARM CREDIT BANK $320,000 $2,410,000 653.1% 0.1%
Synergy One Lending $1,390,000 $2,400,000 72.7% 0.1%
Wyndham Capital Mortgage $480,000 $2,275,000 374.0% 0.1%
CARRINGTON MORTGAGE SERVICES $2,565,000 $2,060,000 -19.7% 0.1%
Reliance First Capital LLC $1,150,000 $2,050,000 78.3% 0.1%
The Federal Savings Bank $600,000 $2,025,000 237.5% 0.1%
Royal United Mortgage LLC $505,000 $1,970,000 290.1% 0.1%
MOUNTAIN COMMERCE BANK $1,785,000 $1,930,000 8.1% 0.1%
21ST MORTGAGE $720,000 $1,860,000 158.3% 0.1%
First Guaranty Mortgage Corporation $1,105,000 $1,790,000 62.0% 0.1%
Union Bank & Trust $665,000 $1,755,000 163.9% 0.1%
Weichert Financial Services $1,310,000 $1,740,000 32.8% 0.1%
Nations Lending Corporation $1,280,000 $1,735,000 35.5% 0.1%
iServe Residential Lending LLC $2,385,000 $1,710,000 -28.3% 0.1%
American Financing Corporation $545,000 $1,705,000 212.8% 0.1%
ORNL Federal Credit Union $70,000 $1,635,000 2,235.7% 0.1%
GATEWAY MORTGAGE GROUP $475,000 $1,520,000 220.0% 0.1%
Southern Bank $1,455,000 n/a 0.1%
Crescent Mortgage Company $1,815,000 $1,435,000 -20.9% 0.1%
Citibank, N.A. $370,000 $1,425,000 285.1% 0.1%
American Financial Resources Inc. $2,065,000 $1,415,000 -31.5% 0.1%
Churchill Mortgage Corporation $1,400,000 $1,395,000 -0.4% 0.1%
Andrew Johnson Bank $200,000 $1,355,000 577.5% 0.1%
Cascade Financial Services $670,000 $1,350,000 101.5% 0.1%
HomeBridge Financial Services, Inc. $2,155,000 $1,350,000 -37.4% 0.1%
Mortgage Lenders of America LLC $1,020,000 $1,345,000 31.9% 0.1%
ALCOVA Mortgage LLC $330,000 $1,265,000 283.3% 0.1%
Keller Mortgage LLC $1,345,000 $1,235,000 -8.2% 0.1%
North American Savings Bank $1,485,000 $1,210,000 -18.5% 0.1%
Community Trust Bank, Inc. $740,000 $1,200,000 62.2% 0.1%
Low VA Rates $750,000 $1,170,000 56.0% 0.1%
UBS Bank USA $1,140,000 n/a 0.1%
Embrace Home Loans, Inc. $420,000 $1,120,000 166.7% 0.1%
Pinnacle Bank $25,000 $1,075,000 4,200.0% 0.1%
TIAA, FSB $765,000 $1,075,000 40.5% 0.1%
Virginia Credit Union $1,415,000 $1,060,000 -25.1% 0.1%
Flagstar Bank $220,000 $1,040,000 372.7% 0.1%
Allegacy Federal Credit Union $1,015,000 n/a 0.1%
Ruoff Home Mortgage $845,000 $1,010,000 19.5% 0.1%
IBERIABANK $975,000 n/a 0.1%
First Century Bank $340,000 $960,000 182.4% 0.1%
Liberty Home Mortgage Corp $960,000 n/a 0.1%
Sun West Mortgage Company Inc. $195,000 $960,000 392.3% 0.1%
PRIMELENDING $845,000 $955,000 13.0% 0.1%
PNC BANK NA $815,000 $930,000 14.1% 0.1%
Sovereign Lending Group, Inc $940,000 $905,000 -3.7% 0.1%
Prosperity Home Mortgage LLC $850,000 n/a 0.0%
GRUNDY NATIONAL BANK $685,000 $835,000 21.9% 0.0%
First Mortgage Solutions LLC $355,000 $800,000 125.4% 0.0%
Capital Center LLC $235,000 $790,000 236.2% 0.0%
First Home Bank $345,000 $790,000 129.0% 0.0%
BOKF NA $710,000 $760,000 7.0% 0.0%
Endeavor Capital Mortgage LLC $610,000 $750,000 23.0% 0.0%
Network Capital Funding Corporation $255,000 $745,000 192.2% 0.0%
Intercoastal Mortgage Company $740,000 n/a 0.0%
Pentagon Federal Credit Union $275,000 $735,000 167.3% 0.0%
Provident Funding Associates $725,000 n/a 0.0%
Atlantic Coast Mortgage LLC $165,000 $690,000 318.2% 0.0%
Farmers and Miners Bank $750,000 $680,000 -9.3% 0.0%
Homestead Funding Corp. $105,000 $675,000 542.9% 0.0%
AimLoan.com $395,000 $670,000 69.6% 0.0%
Allied Mortgage Group Inc $145,000 $645,000 344.8% 0.0%
State Employees' Credit Union $640,000 $620,000 -3.1% 0.0%
Accelerate Mortgage $605,000 n/a 0.0%
DelMar Financial Company $600,000 n/a 0.0%
Huntington National Bank $250,000 $600,000 140.0% 0.0%
Fifth Third Bank $985,000 $595,000 -39.6% 0.0%
OVM FINANCIAL, INC. $595,000 n/a 0.0%
TruPoint Bank $1,910,000 $595,000 -68.8% 0.0%
Angel Oak Mortgage Solutions $85,000 $590,000 594.1% 0.0%
Triumph Bank $315,000 $590,000 87.3% 0.0%
WEI Mortgage LLC $500,000 $585,000 17.0% 0.0%
Mortgage Assurance Inc. $550,000 n/a 0.0%
Citizens National Bank $505,000 n/a 0.0%
First Internet Bank $500,000 n/a 0.0%
Home Federal Bank Corporation $500,000 n/a 0.0%
Enrichment Federal Credit Union $495,000 n/a 0.0%
PHH MORTGAGE CORPORATION $505,000 $495,000 -2.0% 0.0%
US Mortgage Corporation $485,000 n/a 0.0%
Apex Bank $120,000 $480,000 300.0% 0.0%
Bay Equity LLC $455,000 n/a 0.0%
BNC NATIONAL BANK $485,000 $455,000 -6.2% 0.0%
Ascend Federal Credit Union $350,000 $450,000 28.6% 0.0%
Finance of America Mortgage LLC $225,000 $445,000 97.8% 0.0%
Academy Mortgage Corporation $2,905,000 $440,000 -84.9% 0.0%
LeaderOne Financial Corp. $595,000 $440,000 -26.1% 0.0%
NFM, Inc. $415,000 n/a 0.0%
Northpointe Bank $135,000 $415,000 207.4% 0.0%
Summit Funding Inc. $415,000 n/a 0.0%
Blue Ridge Bank, NA $400,000 n/a 0.0%
First-Citizens Bank & Trust Co $560,000 $400,000 -28.6% 0.0%
Guaranty Trust Company $6,585,000 $400,000 -93.9% 0.0%
Prime Choice Funding, Inc. $145,000 $400,000 175.9% 0.0%
Mid America Mortgage Inc. $1,130,000 $395,000 -65.0% 0.0%
Cherry Creek Mortgage Co. Inc. $155,000 $385,000 148.4% 0.0%
GSF Mortgage Corporation $385,000 n/a 0.0%
C&F Mortgage Corp $375,000 n/a 0.0%
Mortgage Solutions of Colorado LLC $370,000 n/a 0.0%
Peoples Mortgage Company $370,000 n/a 0.0%
BankFirst Financial Services $365,000 n/a 0.0%
RANLife, Inc. $430,000 $365,000 -15.1% 0.0%
MLD Mortgage Inc. $355,000 n/a 0.0%
AAG $360,000 $350,000 -2.8% 0.0%
Community Mortgage Corporation $350,000 n/a 0.0%
Gardner Financial Services dba Legacy Mutual Mortgage $510,000 $350,000 -31.4% 0.0%
Capital Mortgage Services of Texas $345,000 n/a 0.0%
Countybank $345,000 n/a 0.0%
First Savings Bank $340,000 n/a 0.0%
US Mortgage of Florida $340,000 n/a 0.0%
Premia Mortgage, LLC $135,000 $335,000 148.1% 0.0%
Credit Human Federal Credit Union $670,000 $325,000 -51.5% 0.0%
SouthEast Bank $325,000 n/a 0.0%
TJC Mortgage, Inc. $470,000 $325,000 -30.9% 0.0%
United Security Financial $175,000 $320,000 82.9% 0.0%
Ixonia Bank $315,000 n/a 0.0%
Pike Creek Mortgage Services, Inc. $315,000 n/a 0.0%
Magnolia Bank Incorporated $165,000 $310,000 87.9% 0.0%
Axos Bank $305,000 n/a 0.0%
LendSure Mortgage Corp $305,000 n/a 0.0%
SoFi Lending Corp $235,000 $305,000 29.8% 0.0%
United Community Bank $305,000 n/a 0.0%
Homeside Financial LLC $280,000 $300,000 7.1% 0.0%
McLean Mortgage Corporation $175,000 $300,000 71.4% 0.0%
Synovus Bank $15,000 $295,000 1,866.7% 0.0%
Brighton Bank $285,000 n/a 0.0%
First Vision Bank of Tennessee $285,000 n/a 0.0%
Citizens Equity First Credit Union (CEFCU) $280,000 n/a 0.0%
Discover Bank $190,000 $280,000 47.4% 0.0%
Colonial Savings $145,000 $275,000 89.7% 0.0%
Draper and Kramer Mortgage Corp. $275,000 $275,000 0.0% 0.0%
Guild Mortgage Company $2,000,000 $270,000 -86.5% 0.0%
Lakeview Community Capital, LLC $265,000 n/a 0.0%
Cf Bank National Association $255,000 n/a 0.0%
HomeStar Financial Corporation $255,000 n/a 0.0%
On Q Financial Inc. $255,000 n/a 0.0%
UT Federal Credit Union $260,000 $255,000 -1.9% 0.0%
Envoy Mortgage Ltd. $250,000 n/a 0.0%
AUSTIN CAPITAL BANK SSB $245,000 n/a 0.0%
Skyline National Bank $15,000 $245,000 1,533.3% 0.0%
L&N Federal Credit Union $240,000 n/a 0.0%
KS StateBank $415,000 $235,000 -43.4% 0.0%
Mortgage Network, Inc $235,000 n/a 0.0%
SOUTHERN TRUST MORTGAGE LLC $105,000 $235,000 123.8% 0.0%
Trustmark National Bank $235,000 n/a 0.0%
Southpoint Financial Services $165,000 $230,000 39.4% 0.0%
Aurora Financial $580,000 $225,000 -61.2% 0.0%
Great Western Financial Services Inc. $225,000 n/a 0.0%
United Fidelity Funding Corp. $225,000 n/a 0.0%
Signature Mortgage Corporation $215,000 n/a 0.0%
1st Franklin Financial Corporation $145,000 $205,000 41.4% 0.0%
FirstBank $1,400,000 $200,000 -85.7% 0.0%
MCNB Bank and Trust Co. $200,000 n/a 0.0%
AMERIS BANK $380,000 $195,000 -48.7% 0.0%
Apex Home Loans $195,000 n/a 0.0%
Third Federal Savings and Loan $360,000 $195,000 -45.8% 0.0%
Y-12 Federal Credit Union $305,000 $195,000 -36.1% 0.0%
George Mason Mortgage LLC $185,000 n/a 0.0%
Member One Federal Credit Union $185,000 n/a 0.0%
M&T Bank $125,000 $185,000 48.0% 0.0%
Thrive Mortgage LLC $185,000 n/a 0.0%
Victorian Finance, LLC $185,000 n/a 0.0%
Assemblies Of God Credit Union $175,000 n/a 0.0%
FIRST BANK $175,000 n/a 0.0%
First Heritage Mortgage, LLC $65,000 $175,000 169.2% 0.0%
Philadelphia Mortgage Advisors $255,000 $175,000 -31.4% 0.0%
SmartBank $125,000 $175,000 40.0% 0.0%
The Fidelity Bank $175,000 n/a 0.0%
The Tennessee Credit Union $15,000 $175,000 1,066.7% 0.0%
Velocity Commercial Capital LLC $175,000 n/a 0.0%
Interactive Mortgage $165,000 n/a 0.0%
Mid-Continent Funding, Inc. $310,000 $165,000 -46.8% 0.0%
Nationwide Mortgage Bankers Inc. $165,000 n/a 0.0%
RESIDENTIAL MORTGAGE SERVICES $465,000 $165,000 -64.5% 0.0%
Southwest Funding LP $190,000 $165,000 -13.2% 0.0%
AKT American Capital Inc $155,000 n/a 0.0%
Amcap Mortgage Ltd. $350,000 $155,000 -55.7% 0.0%
ARVEST BANK $155,000 n/a 0.0%
Peoples Bank $155,000 n/a 0.0%
RESIDENTIAL ACCEPTANCE CORPORATION. RAC. $155,000 n/a 0.0%
United Northern Mortgage Bankers Limited $155,000 n/a 0.0%
Acopia, LLC $145,000 n/a 0.0%
Bank of England $145,000 n/a 0.0%
Mortgage Services III LLC $145,000 n/a 0.0%
Tidewater Mortgage Services Inc. $145,000 n/a 0.0%
Wolfe Financial Inc. DBA Integrity Mortgage Group $145,000 n/a 0.0%
Clinchfield Federal Credit Union $135,000 n/a 0.0%
Colten Mortgage $250,000 $135,000 -46.0% 0.0%
Midwest Loan Services Inc $135,000 n/a 0.0%
Finance of America Commercial LLC $125,000 n/a 0.0%
Finance of America Reverse LLC $250,000 $125,000 -50.0% 0.0%
HomePromise Corporation $125,000 n/a 0.0%
James B. Nutter & Company $125,000 $125,000 0.0% 0.0%
T2 Financial LLC $125,000 n/a 0.0%
The Mortgage Firm, Inc. $125,000 n/a 0.0%
United Mortgage Corp $125,000 n/a 0.0%
FIRST CITIZENS NATIONAL BANK $175,000 $120,000 -31.4% 0.0%
FIRST NATIONAL BANK OF OTTAWA $115,000 n/a 0.0%
Memphis City Employees Credit Union $115,000 n/a 0.0%
NBH Bank $115,000 n/a 0.0%
NBKC Bank $225,000 $115,000 -48.9% 0.0%
Oceanside Mortgage Company $550,000 $115,000 -79.1% 0.0%
CityWorth Mortgage $220,000 $105,000 -52.3% 0.0%
First State Bank Of St. Charles Missouri $105,000 n/a 0.0%
Northrop Grumman Federal Credit Union $105,000 n/a 0.0%
TowneBank $265,000 $105,000 -60.4% 0.0%
WesBanco Bank, Inc. $105,000 n/a 0.0%
Lenox Financial Mortgage Corp. $95,000 n/a 0.0%
SECU Credit Union $95,000 n/a 0.0%
Bethpage Federal Credit Union $85,000 n/a 0.0%
Total Mortgage Services LLC $85,000 n/a 0.0%
V.I.P. Mortgage Inc. $85,000 n/a 0.0%
Peoples Bank of the South $35,000 $80,000 128.6% 0.0%
CENTRAL BANK OF THE MIDWEST $75,000 n/a 0.0%
CU Community LLC $750,000 $75,000 -90.0% 0.0%
Midwest Mortgage Associates $75,000 n/a 0.0%
Citizens Union Bank of Shelbyville $65,000 n/a 0.0%
Dominion Financial Services $65,000 n/a 0.0%
SPRING EQ, LLC $55,000 $60,000 9.1% 0.0%
BancorpSouth Bank $55,000 n/a 0.0%
Highlands Residential Mortgage Ltd $55,000 n/a 0.0%
LendingHome Funding Corporation $325,000 $55,000 -83.1% 0.0%
myCUmortgage LLC $225,000 $55,000 -75.6% 0.0%
MidFlorida Credit Union $45,000 n/a 0.0%
Truliant Federal Credit Union $390,000 $45,000 -88.5% 0.0%

KINGSPORT - BRISTOL's top lender by overall market share is Eastman Credit Union, with 21.9% market share. In second place, with 7.7%, is Quicken Loans, having originated $132,135,000 in loans. In third place, with 5.9%, is The First Bank and Trust Company, having originated $102,080,000 in loans. In third place, with 3.7%, is Cardinal Financial Company LP, having originated $62,770,000 in loans. In third place, with 3.0%, is Freedom Mortgage Corporation, having originated $51,150,000 in loans.


KINGSPORT-BRISTOL, TN-VA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 4,547 $791,585,000 $174,090
Refi 2,904 $630,990,000 $217,283
Cash Out Refi 1,373 $219,315,000 $159,734
Other 405 $33,885,000 $83,667
Home Improvement 392 $40,800,000 $104,082

Kingsport - Bristol's most frequently cited loan purpose was Home Purchase, with 4,547 originations. The 2nd most popular reason was Refi, with 2,904 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 4,123 $765,365,000 $185,633
2.5-3% 2,387 $490,715,000 $205,578
4-5% 1,380 $194,970,000 $141,283
<2.5% 604 $130,150,000 $215,480
5-6% 407 $44,265,000 $108,759
6-7% 107 $11,075,000 $103,505
Over 8% 101 $7,125,000 $70,545
7-8% 27 $2,155,000 $79,815

During 2020, Kingsport - Bristol's most frequently originated rate bucket was 3-4%, with 4,123 originations.

Loan Sizing (KINGSPORT-BRISTOL, TN-VA MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 4,414 $641,310,000 $145,290
$100,000 or less 2,575 $164,545,000 $63,901
$200k-400k 2,285 $612,505,000 $268,055
$400k-600k 272 $127,260,000 $467,868
$600k-1000k 51 $35,735,000 $700,686
$Over $1MM 24 $135,220,000 $5,634,167

KINGSPORT - BRISTOL's loan sizing saw the bucket of loans from $100k-200k with 4,414 originations, totaling $641,310,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 4,156 $770,280,000 $185,342
60-80% 2,526 $553,750,000 $219,220
40-60% 880 $125,250,000 $142,330
20-40% 541 $42,565,000 $78,678
Under 20% 391 $12,935,000 $33,082
Over 100% 145 $44,345,000 $305,828

KINGSPORT - BRISTOL's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 4,156 originations, totaling $770,280,000 in origination value.