Mortgage lending in Kingsport-Bristol, TN-VA
7,182 mortgages were originated in the Kingsport-Bristol, TN-VA area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 7,182
- Median rate
- 6.750%
- Median lender fees
- $5,107
- Median loan amount
- $175,000
- Median spread over APOR
- 0.440
- Paid discount points
- 36.4%
- Received lender credits
- 24.5%
- Purchases / refinances
- 51.9% / 28.6%
- Conventional / FHA / VA
- 72.2% / 16.5% / 10.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 71% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Kingsport-Bristol, TN-VA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| EASTMAN CREDIT UNION | 1,627 | $3,414 | 7.250% |
| Rocket Mortgage, LLC | 481 | $6,071 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 370 | $7,485 | 6.124% |
| MOVEMENT MORTGAGE, LLC | 311 | $5,763 | 6.750% |
| FIRST BANCORP, INC. | 236 | $4,076 | 7.500% |
| Mortgage Research Center, LLC | 160 | $2,881 | 6.250% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 143 | $8,423 | 6.750% |
| DHI MORTGAGE COMPANY, LTD. | 134 | $2,103 | 5.990% |
| MORTGAGE INVESTORS GROUP, INC. | 132 | $6,760 | 6.500% |
| THE BANK OF MARION | 125 | — | — |