Top 3 Mortgage Lenders in Oneida

Clayton Bank and Trust stands out as Oneida's premier local banking institution with deep community roots and exceptional personalized service. As a community bank headquartered in the region, they offer the advantage of local decision-making and relationship-based lending. Their mortgage team has extensive experience with rural property financing and USDA loans, which is particularly valuable for the Oneida area. Customers consistently praise their responsive communication, competitive rates, and the ability to work directly with local loan officers who understand the specific needs of Scott County residents.

Mortgage Investors Group is one of East Tennessee's most highly-rated mortgage lenders with over three decades of experience serving the entire region including Oneida. They have earned numerous industry awards and maintain exceptional customer satisfaction ratings. Specializing in all major loan programs with particular expertise in VA loans (recognized as a top VA lender nationally), they offer competitive rates and streamlined digital processes while maintaining personal service. Their extensive experience with rural properties and understanding of the local real estate market makes them an excellent choice for Oneida homebuyers.

ORNL Federal Credit Union is one of Tennessee's largest and most respected credit unions with a strong presence throughout East Tennessee, including service to Oneida residents. With over seven decades of financial service experience, they offer member-focused mortgage solutions with typically lower rates and fees than traditional banks. Their mortgage team provides comprehensive guidance through the entire homebuying process, and they're particularly strong in construction lending and first-time homebuyer programs. Members appreciate the credit union's community commitment, competitive pricing, and the personalized attention they receive throughout the mortgage process.