Mortgage Lenders and Brokers in Athens, Tennessee
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Athens, Tennessee mortgage lenders include Old National BankOld National Bank106 Washington Ave, Athens, TN 37303A+5.0 ★Texas Ratio: 4.98%, Simmons BankSimmons Bank208 S White St, Athens, TN 37303A+5.0 ★Texas Ratio: 5.33%, Regions BankRegions Bank921 Congress Pkwy S, Athens, TN 37303A+5.0 ★Texas Ratio: 4.37%, Truist BankTruist Bank1604 Decatur Pike, Athens, TN 37303A+5.0 ★Texas Ratio: 2.87%, SouthEast BankSouthEast Bank1878 Congress Pkwy S, Athens, TN 37303A+5.0 ★Texas Ratio: 0.98%, First Community Mortgage, Inc.First Community Mortgage, Inc.2681 Boones Creek Rd, Johnson City, TN 37615A+5.0 ★Texas Ratio: 3.36%, FirstbankFirstbank8398 Us Highway 64, Bartlett, TN 38133A5.0 ★Texas Ratio: 7.51%, United Community BankUnited Community Bank1087 Hunters Xing, Alcoa, TN 37701A+5.0 ★Texas Ratio: 2.97%, Builtwell BankBuiltwell Bank219 Ward St, Benton, TN 37307A+5.0 ★Texas Ratio: 2.72%, and Community Mortgage CorporationCommunity Mortgage Corporation1007 Us Highway 45 N, Henderson, TN 38340. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Athens, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Athens are listed first, then lenders elsewhere in Tennessee, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Athens, Tennessee
Market share is the lender's share of all home loans closed in Athens, Tennessee. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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2 offices in Athens 106 Washington Ave, Athens, TN 37303 A+5.0 ★Texas Ratio: 4.98% |
Conventional, FHA, VA, HELOC | 28 +22 HELOCs |
5.7% | 80% | $241,785 | View |
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1 office in Athens 208 S White St, Athens, TN 37303 A+5.0 ★Texas Ratio: 5.33% |
Conventional, FHA, VA, USDA, HELOC | 10 +11 HELOCs |
2% | 76.9% | $216,000 | View |
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1 office in Athens 921 Congress Pkwy S, Athens, TN 37303 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 7 +6 HELOCs |
1.4% | 50% | $106,428 | View |
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★ 1 stars, 1 review 1 office in Athens 1604 Decatur Pike, Athens, TN 37303 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 3 +9 HELOCs |
0.6% | 60% | $205,000 | View |
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1 office in Athens 1878 Congress Pkwy S, Athens, TN 37303 A+5.0 ★Texas Ratio: 0.98% |
Conventional, HELOC | 3 +6 HELOCs |
0.6% | 60% | $215,000 | View |
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2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA, VA, USDA | 15 | 3.1% | 94.1% | $228,333 | View |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
Conventional, VA, HELOC | 6 +1 HELOCs |
1.2% | 45% | $248,333 | View |
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1087 Hunters Xing, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 2.97% |
Conventional, FHA, VA, HELOC | 5 +1 HELOCs |
1% | 71.4% | $249,000 | View |
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219 Ward St, Benton, TN 37307 A+5.0 ★Texas Ratio: 2.72% |
Conventional | 4 | 0.8% | 100% | $67,500 | View |
Community Mortgage Corporation
1007 Us Highway 45 N, Henderson, TN 38340 |
Conventional, FHA | 4 | 0.8% | 100% | $207,500 | |
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★ 5 stars, 2 reviews 835 Congress Pkwy S, Athens, TN 37303 A+5.0 ★Texas Ratio: 2.59% |
Conventional | 4 | 0.8% | 66.7% | $100,000 | View |
Ornl Federal Credit Union
103 W Washington Ave, Athens, TN 37303 3544 |
Conventional, HELOC | 3 +1 HELOCs |
0.6% | 100% | $258,333 | |
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2152 N Charles G Seivers Blvd, Clinton, TN 37716 A5.0 ★Texas Ratio: 6.15% |
Conventional | 2 | 0.4% | 100% | $185,000 | View |
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1112 Congress Pkwy S, Athens, TN 37303 2404 A+5.0 ★Texas Ratio: 4.53% |
Conventional | 2 | 0.4% | 60% | $205,000 | View |
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5308 Mount View Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 3.04% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $125,000 | View |
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109 Associates Blvd, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 1.74% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 33.3% | $215,000 | View |
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1113 Hunters Xing, Alcoa, TN 37701 1852 A+5.0 ★Texas Ratio: 2.34% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $35,000 | View |
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11849 Crawford Pines Dr, Arlington, TN 38002 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $395,000 | View |
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1878 Congress Pkwy S, Athens, TN 37303 A+5.0 ★Texas Ratio: 0.98% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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9059 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
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4425 Ocoee St N, Cleveland, TN 37312 A5.0 ★Texas Ratio: 6.04% |
Conventional | 1 | 0.2% | 100% | $85,000 | View |
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2011 Stein Dr, Chattanooga, TN 37421 1692 A+5.0 ★Texas Ratio: 1.20% |
Conventional | 1 | 0.2% | 100% | $135,000 | View |
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450 N Charles G Seivers Blvd, Clinton, TN 37716 3730 A+5.0 ★Texas Ratio: 3.67% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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5000 Maryland Way, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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★ 1.7 stars, 3 reviews 4216 Century Farms Ter, Antioch, TN 37013 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Mortgage Investors Group
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Conventional, FHA, VA, USDA | 26 | 5.3% | 100% | $269,230 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 17 | 3.5% | 27.8% | $166,176 | |
Tennessee Valley Federal C U
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Conventional, HELOC | 13 +2 HELOCs |
2.7% | 72.2% | $131,153 | |
21St Mortgage
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Conventional | 3 | 0.6% | 42.9% | $128,333 | |
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A+5.0 ★Texas Ratio: 1.28% |
USDA | 2 | 0.4% | 100% | $210,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $95,000 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA, VA | 55 | 11.3% | 78.1% | $234,818 | View |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA | 42 | 8.6% | 95.7% | $265,952 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA | 28 | 5.7% | 94.3% | $222,142 | |
Mortgage Research Center
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Conventional, FHA, VA | 22 | 4.5% | 81.5% | $324,090 | |
Farm Credit Mid-America, Aca
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Conventional | 14 | 2.9% | 93.3% | $409,285 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 10 | 2% | 85.7% | $220,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 10 | 2% | 92.3% | $269,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 7 +2 HELOCs |
1.4% | 100% | $213,571 | |
American Financial Resources LLC
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Conventional, FHA, VA, USDA | 7 | 1.4% | 100% | $279,285 | |
loanDepot.com LLC
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Conventional, FHA, VA | 6 | 1.2% | 66.7% | $230,000 | |
Newrez LLC
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FHA, VA, USDA | 5 | 1% | 83.3% | $245,000 | |
CrossCountry Mortgage, LLC
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FHA, VA | 5 | 1% | 100% | $161,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA, USDA | 5 | 1% | 100% | $201,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 5 | 1% | 62.5% | $211,000 | |
Stockton Mortgage Corporation
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Conventional, FHA | 4 | 0.8% | 100% | $180,000 | |
New American Funding, LLC.
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Conventional, FHA | 4 | 0.8% | 66.7% | $135,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 3 | 0.6% | 100% | $248,333 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 3 | 0.6% | 100% | $245,000 | View |
Amerisave Mortgage Company
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Conventional, FHA | 3 | 0.6% | 27.3% | $138,333 | |
Guild Mortgage Company
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Conventional, FHA, VA | 3 | 0.6% | 100% | $238,333 | |
New Day Financial, LLC.
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VA | 3 | 0.6% | 50% | $275,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.6% | 75% | $128,333 | View |
Plaza Home Mortgage, Inc
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Conventional | 3 | 0.6% | 100% | $278,333 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +2 HELOCs |
0.4% | 50% | $55,000 | |
Alameda Mortgage Corporation
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Conventional, FHA | 2 | 0.4% | 100% | $335,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.4% | 100% | $95,000 | |
Movement Mortgage, LLC
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Conventional, VA | 2 | 0.4% | 100% | $180,000 | |
Eustis Mortgage Corp
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Conventional | 2 | 0.4% | 100% | $140,000 | |
Success Mortgage Partners, Inc
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Conventional, FHA | 2 | 0.4% | 100% | $175,000 | |
Discover Bank
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Conventional | 2 | 0.4% | 33.3% | $95,000 | |
Sun West Mortgage Company, Inc
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FHA | 2 | 0.4% | 100% | $225,000 | |
Absolute Home Mortgage
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FHA | 2 | 0.4% | 100% | $240,000 | |
American Financing Corporation
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Conventional, VA | 2 | 0.4% | 66.7% | $255,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional | 2 | 0.4% | 100% | $200,000 | |
First Citizens National Bank
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Conventional, USDA | 2 | 0.4% | 66.7% | $270,000 | |
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A5.0 ★Texas Ratio: 8.17% |
Conventional, FHA | 2 | 0.4% | 100% | $190,000 | View |
Nationstar Mortgage
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Conventional | 2 | 0.4% | 100% | $105,000 | |
Iserve Residential Lending
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FHA | 2 | 0.4% | 100% | $245,000 | |
The Loan Store, Inc
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Conventional | 2 | 0.4% | 100% | $130,000 | |
Summit Funding.Inc
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Conventional, FHA | 2 | 0.4% | 100% | $260,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.4% | 100% | $180,000 | |
Southwest Stage Funding LLC
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Conventional, FHA | 2 | 0.4% | 50% | $260,000 | |
Top Flite Financial, Inc.
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Conventional, FHA | 2 | 0.4% | 100% | $255,000 | |
State Employees' Credit Union
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Conventional | 1 | 0.2% | 50% | $65,000 | |
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B+4.3 ★Texas Ratio: 5.52% |
Conventional | 1 | 0.2% | 100% | $55,000 | View |
Consumer Real Estate Finance Co DBA Society Mortgage
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USDA | 1 | 0.2% | 100% | $185,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.2% | 100% | $235,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.2% | 25% | $115,000 | |
Canopy Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $195,000 | |
Nbkc Bank
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VA, Jumbo | 1 | 0.2% | 100% | $1,165,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.2% | 50% | $215,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $215,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.2% | 100% | $195,000 | |
United Trust Bank
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VA | 1 | 0.2% | 100% | $405,000 | |
HomeBridge Financial Services, Inc
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VA | 1 | 0.2% | 100% | $205,000 | |
ClearPath Lending
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VA | 1 | 0.2% | 50% | $155,000 | |
SIRVA Mortgage, Inc.
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VA | 1 | 0.2% | 100% | $445,000 | |
First Colony Mortgage Corporat
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FHA | 1 | 0.2% | 100% | $405,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 20% | $145,000 | View |
Suncoast Credit Union
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Conventional | 1 | 0.2% | 100% | $285,000 | |
Belem Servicing, LLC dba Patriot Home Mortgage
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Conventional | 1 | 0.2% | 100% | $235,000 | |
Nations Lending Corporation
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FHA | 1 | 0.2% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.2% | 100% | $205,000 | View |
Towne Mortgage Company
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USDA | 1 | 0.2% | 100% | $215,000 | |
Tjc Mortgage Inc
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VA | 1 | 0.2% | 100% | $225,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.2% | 100% | $165,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.2% | 100% | $215,000 | |
CSL Financial, LLC
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Conventional | 1 | 0.2% | 100% | $95,000 | |
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A+5.0 ★Texas Ratio: 0.68% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
Fairway Independent Mort Corp
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FHA | 1 | 0.2% | 100% | $265,000 | |
DHI Mortgage Company, LTD.
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FHA | 1 | 0.2% | 100% | $285,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
FHA | 1 | 0.2% | 100% | $295,000 | View |
Paramount Residential Mortgage
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FHA | 1 | 0.2% | 100% | $335,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.2% | 100% | $235,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Athens Mortgage Rate Trends
Daily average mortgage rates for Tennessee compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Athens, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Athens? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Athens in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Athens, TN
Use these to narrow the list above. Each category shows how many Athens, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Athens, TN
Independent mortgage companies closed 70.9 percent of home loans in Athens, Tennessee in 2025, banks 22.7 percent and credit unions 6.4 percent. Community Mortgage Corporation was the largest mortgage company, Old National Bank the largest bank and Ornl Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, SouthEast Bank led with 3 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Tennessee. State realty transfer tax of $0.37 per $100 of consideration (0.37 percent) plus a mortgage recordation tax of $0.115 per $100 of indebtedness above the first $2,000 (Tenn. Code 67-4-409).
More Tennessee Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Athens, TN
By home loans closed in 2025, Old National Bank was the largest mortgage lender in Athens, Tennessee with 28 loans, about 5.7 percent of the market. The largest lender headquartered in Tennessee was SouthEast Bank with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Athens, Tennessee, Rocket Mortgage approved the highest share of completed applications in 2025 at 78.1 percent, against a 74.7 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
42 lenders closed FHA loans in Athens, Tennessee in 2025, led by United Wholesale Mortgage with 16. 33 lenders closed VA loans, led by Mortgage Research Center, and 12 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 32 banks and 11 credit unions closed home loans in Athens, Tennessee in 2025, alongside 67 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Athens, Tennessee during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Athens, Tennessee for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Athens. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
