Largest lenders in Unicoi County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Eastman Credit Union | D | 88 | 52 | 25.0% | 7.25% |
| 2 | Clinchfield Federal Credit Union | – | 47 | 40 | 4.3% | — |
| 3 | Movement Mortgage | A | 36 | 27 | 0.0% | 6.63% |
| 4 | Rocket Mortgage | C | 35 | 28 | 14.3% | 6.50% |
| 5 | Vanderbilt Mortgage and Finance | F | 31 | 5 | 45.2% | 8.99% |
| 6 | Cardinal Financial Company, Limited Partnership | B | 29 | 20 | 10.3% | 6.50% |
| 7 | Bank of Tennessee | C | 24 | 12 | 16.7% | 6.63% |
| 8 | United Shore Financial Services | B | 20 | 17 | 5.0% | 6.50% |
| 9 | Mortgage Research Center | C | 16 | 7 | 18.8% | 6.25% |
| 10 | Freedom Mortgage | B | 15 | 8 | 0.0% | 5.94% |
| 11 | 21st Mortgage | F | 11 | 3 | 63.6% | 9.85% |
| 12 | First Horizon Bank | B | 10 | 3 | 50.0% | 7.25% |
| 13 | AmeriSave Mortgage | D | 10 | 3 | 60.0% | 7.13% |
| 14 | Spring Eq | D | 9 | 3 | 44.4% | 7.98% |
| 15 | Regions Bank | C | 8 | 5 | 37.5% | 4.99% |
| 16 | Guaranteed Rate | B | 8 | 4 | 0.0% | 6.70% |
| 17 | State Employees' | C | 6 | 4 | 33.3% | 6.15% |
| 18 | Lower | C | 6 | 1 | 33.3% | 6.88% |
| 19 | Equity Prime Mortgage | D | 6 | 1 | 0.0% | 5.88% |
| 20 | Elizabethton Federal Savings Bank | A | 6 | 6 | 0.0% | — |
| 21 | Loandepot.Com | D | 6 | 3 | 50.0% | 5.99% |
| 22 | Ark-La-Tex Financial Services, LLC. | A | 6 | 4 | 0.0% | 7.13% |
| 23 | Truist Bank | C | 5 | 3 | 40.0% | 7.99% |
| 24 | Bank of America | F | 5 | 0 | 60.0% | — |
| 25 | Mortgage Investors Group | B | 5 | 3 | 20.0% | 6.99% |
Best approval odds in Unicoi County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Eastman Credit Union | 76 | 29.0% |
What Unicoi County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Unicoi County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 493 | 278 | 18.1% | 6.99% | $155,000 |
| 2024 | 580 | 320 | 17.6% | 6.99% | $155,000 |
| 2025 | 621 | 355 | 19.5% | 6.75% | $185,000 |
Frequently asked questions
19.5% of applications in Unicoi County were denied in 2025, against 17.1% statewide in Tennessee.
Eastman Credit Union, with 88 applications in 2025 and a denial rate of 25.0%.
The median mortgage application in Unicoi County in 2025 was for $185,000; the median property value on originated loans was $285,000.