Personal Loans

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Installment Loans


  • Rates and terms are competitively priced
  • Payments may be automatically deducted from a TSB checking or savings account, or may be paid with cash or check
  • No penalty for early repayment

Home Equity Line of Credit


  • Variable rate as low as Prime +1.5%.  The index is the Prime Rate as published in the Wall Street Journal.  The annual percentage rate can change daily.  There is no limit on the amount by which the rate can change in any one-year period.  The maximum ANNUAL PERCENTAGE RATE that can apply during the plan is 18%.
  • Property insurance is required.
  • Consult your tax advisor to determine tax deductibility of interest.
  • Loan is subject to credit approval.
  • Primary residence is used as collateral.
  • An early termination fee will be assessed if the customer closes the credit line during the first three years. The early termination fee is comprised of all fees paid by the Bank to third parties on your behalf associated with loan closing. Fees to third parties generally total between $200 and $1,200 and may include fees for appraisals, credit reports, flood determination, government recording, and attorneys. The Bank will provide you with an itemization of fees paid to third parties at closing.

Please see the HELOC Program Disclosure for full disclosure of terms or contact one of our friendly lenders for more informatio.  In case of errors or questions about your bill, please see the Fair Credit Billing Act Notice.

Real Estate Loans 


  • Competitive rates
  • Variety of terms to fit your needs
  • Payments may be automatically deducted from a TSB checking or savings account, or may be paid with cash or check
  • Funds may be used for home purchase or refinancing, lot or land acquisition, residential construction or home improvement

Mortgage Loans 

Tennessee State Bank can help you with all of your Mortgage needs.

  • Buying a home
  • Building a dream home
  • Consolidating bills
  • Using equity for an investment
  • Buying a second home or investment property
  • Getting a lower payment
  • Remodeling your home

No matter what you have in mind for the future, you can depend on Tennessee State Bank's experienced personnel to provide the best financing for your needs with fast, courteous service at competitive rates.

Call us or stop by today!

Mortgage Loan Department 
642 Dolly Parton Parkway
P.O. Box 4188
Sevierville, TN 37864
(865) 908-1212
Kristin Lewis - NMLS #410553

Monday - Thursday, 8:30 a.m. to 5:00 p.m.
Friday, 8:30 a.m. to 6:00 p.m.

We have a number of calculators to help you determine the loan amount, monthly payment or price of a home. If you are trying to determine how much you can afford to borrow for a house, click the link below and select the Mortgage Qualifier. If you are thinking of refinancing your current mortgage take a look at Refinance Break even to aid you in determining if refinancing makes sense for you. Call one of our mortgage professionals if you decide you are ready to make a move!


Servicemembers Civil Relief Act Notice

Regular members of the U.S. Armed Forces (Army, Navy, Air Force, Marine Corp and Coast Guard), Reserve and National Guard personnel,  members of the commissioned corps of the Public Health Service and National Oceanic and Atmospheric Administration, and certain U.S. citizens serving with armed forces of a nation with which the U.S. is allied in the prosecution of a war or military action, there are some benefits afforded to you by the Servicemembers Civil Relief Act (SCRA).  Some of these benefits also extend to servicememberís spouses, dependents, and other personís subject to the obligations of servicemembers.  To request relief under SCRA, please forward your request together with a copy of the servicememberís military orders to Tennessee State Bank, PO Box 1260, Pigeon Forge, TN 37868, Attn: Credit Department.


Secure and Fair Enforcement for Mortgage Licensing Act or SAFE Act

The SAFE Act (Secure and Fair Enforcement for Mortgage Licensing Act) requires residential Mortgage Loan Originators ("MLO") who are employees of regulated institutions to be registered with the National Mortgage Licensing System or NMLS. Banks are required to disclose the names of the MLOs and their unique NMLS registration IDs ("UID") to the public.

Tennessee State Bank - NMLS #410355

Please click here for a listing of Tennessee State Bank's MLOs and their UIDs.


Notice of Error or Information Request

If you suspect there is an error with your loan account or if you want to request information about your loan account, please write to us at:

Tennessee State Bank
Attn: Credit Department
PO Box 1260
Pigeon Forge, TN 37868

Please include the following in your correspondence:

  • Your name
  • Information that allows us to identify your loan account
  • Describe the error and why (to the extent you can explain) you believe there is an error; or describe the information you are requesting with respect to your loan account.

You may telephone us at (865) 453-0873; however, we reserve the right to require the notice of error or information request in writing.


Homeownership Counseling Notice

Loans secured by a homeowner's principal residence:

If your payment is past due, you may be eligible for Homeownership Counseling under the Housing and Urban Development Act of 1968.  For HUD assistance you may call their toll free number 1-800-569-4287.


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