Mortgage Lenders and Brokers in Atoka, 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
Atoka, Tennessee mortgage lenders include Patriot BankPatriot Bank11529 Highway 51 S, Atoka, TN 38004A5.0 ★Texas Ratio: 9.21%, American Mortgage Services IncAmerican Mortgage Services Inc6186 Stage Rd, Bartlett, TN 38134A+5.0 ★Texas Ratio: 4.14%, Simmons BankSimmons Bank11300 Highway 51 S, Atoka, TN 38004A+5.0 ★Texas Ratio: 5.33%, Leaders Credit UnionLeaders Credit Union5530 Airline Rd, Arlington, TN 38002A+5.0 ★Texas Ratio: 4.77%, Community Mortgage CorporationCommunity Mortgage Corporation1007 Us Highway 45 N, Henderson, TN 38340, Memphis City Employees Credit UnionMemphis City Employees Credit Union5751 Stage Rd, Bartlett, TN 38134 4515A+5.0 ★Texas Ratio: 2.01%, Pinnacle BankPinnacle Bank13690 Highway 51 S, Atoka, TN 38004A+5.0 ★Texas Ratio: 3.04%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA11849 Crawford Pines Dr, Arlington, TN 38002A+5.0 ★Texas Ratio: 3.68%, Brighton BankBrighton Bank7663 Highway 51 S, Brighton, TN 38011A+5.0 ★Texas Ratio: 0.40%, and Trustmark BankTrustmark Bank11915 Highway 70, Arlington, TN 38002A+5.0 ★Texas Ratio: 2.40%. 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 Atoka, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Atoka 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 Atoka, Tennessee
Market share is the lender's share of all home loans closed in Atoka, 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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1 office in Atoka 11529 Highway 51 S, Atoka, TN 38004 A5.0 ★Texas Ratio: 9.21% |
Conventional, FHA, VA, USDA | 21 | 8.8% | 95.5% | $301,190 | View |
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6186 Stage Rd, Bartlett, TN 38134 A+5.0 ★Texas Ratio: 4.14% |
FHA | 1 | 0.4% | 100% | $265,000 | View |
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1 office in Atoka 11300 Highway 51 S, Atoka, TN 38004 A+5.0 ★Texas Ratio: 5.33% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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5530 Airline Rd, Arlington, TN 38002 A+5.0 ★Texas Ratio: 4.77% |
Conventional, FHA, VA, USDA, HELOC | 25 +2 HELOCs |
10.4% | 89.3% | $308,600 | View |
Community Mortgage Corporation
1007 Us Highway 45 N, Henderson, TN 38340 |
Conventional, FHA, VA | 9 | 3.8% | 81.8% | $308,333 | |
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5751 Stage Rd, Bartlett, TN 38134 4515 A+5.0 ★Texas Ratio: 2.01% |
Conventional | 3 | 1.2% | 75% | $181,666 | View |
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13690 Highway 51 S, Atoka, TN 38004 A+5.0 ★Texas Ratio: 3.04% |
Conventional, HELOC | 2 +2 HELOCs |
0.8% | 100% | $380,000 | View |
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11849 Crawford Pines Dr, Arlington, TN 38002 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.8% | 100% | $220,000 | View |
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7663 Highway 51 S, Brighton, TN 38011 A+5.0 ★Texas Ratio: 0.40% |
Conventional | 2 | 0.8% | 100% | $310,000 | View |
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11915 Highway 70, Arlington, TN 38002 A+5.0 ★Texas Ratio: 2.40% |
FHA | 2 | 0.8% | 100% | $275,000 | View |
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11624 Highway 51 S, Atoka, TN 38004 A+5.0 ★Texas Ratio: 0.35% |
Conventional, HELOC | 1 +10 HELOCs |
0.4% | 100% | $165,000 | View |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +6 HELOCs |
0.4% | 50% | $25,000 | View |
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929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85% |
VA | 1 | 0.4% | 33.3% | $415,000 | View |
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2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
VA | 1 | 0.4% | 100% | $345,000 | View |
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50 Fed Ex Pkwy, Collierville, TN 38017 8711 A+5.0 ★Texas Ratio: 3.13% |
Conventional | 1 | 0.4% | 100% | $45,000 | View |
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2050 Lowes Dr, Clarksville, TN 37040 1620 A+5.0 ★Texas Ratio: 3.76% |
Conventional | 1 | 0.4% | 100% | $55,000 | View |
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154 E Main St, Adamsville, TN 38310 A5.0 ★Texas Ratio: 10.25% |
Conventional | 1 | 0.4% | 100% | $145,000 | View |
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9059 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
Evolve Bank & Trust
6000 Poplar Ave, Memphis, TN 38119 |
VA | 1 | 0.4% | 100% | $385,000 | |
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429 Walker Rd, Jackson, TN 38305 A+5.0 ★Texas Ratio: 0.42% |
USDA | 1 | 0.4% | 100% | $275,000 | View |
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9915 Us Highway 64, Arlington, TN 38002 A-4.9 ★Texas Ratio: 16.60% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
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★ 5 stars, 1 review 112 S Hall Rd, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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9915 Us Highway 64, Arlington, TN 38002 A-4.9 ★Texas Ratio: 16.60% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $315,000 | |
Mortgage Investors Group
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FHA | 1 | 0.4% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA, VA | 25 | 10.4% | 90% | $216,200 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 15 | 6.2% | 93.8% | $348,333 | |
Mortgage Research Center
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VA | 11 | 4.6% | 78.6% | $369,545 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 9 +5 HELOCs |
3.8% | 69.2% | $279,444 | |
Freedom Mortgage Corporation
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FHA, VA | 9 | 3.8% | 100% | $306,111 | |
Newrez LLC
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Conventional, FHA, VA | 9 | 3.8% | 81.8% | $329,444 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 9 | 3.8% | 100% | $339,444 | |
Guaranteed Rate, Inc.
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VA | 6 | 2.5% | 100% | $355,000 | |
Everett Financial, Inc.
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Conventional, FHA, VA | 6 | 2.5% | 85.7% | $228,333 | |
Nationstar Mortgage
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Conventional, FHA | 5 | 2.1% | 100% | $125,000 | |
AmeriHome Mortgage Company, LLC
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FHA, VA | 3 | 1.2% | 100% | $248,333 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 3 | 1.2% | 100% | $258,333 | |
Cadence Bank
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Conventional, HELOC | 2 +4 HELOCs |
0.8% | 100% | $315,000 | |
First Citizens National Bank
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Conventional, HELOC | 2 +3 HELOCs |
0.8% | 40% | $200,000 | |
Goodleap, LLC
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Conventional, HELOC | 2 +2 HELOCs |
0.8% | 66.7% | $155,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +2 HELOCs |
0.8% | 33.3% | $50,000 | |
American Financial Resources LLC
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FHA | 2 | 0.8% | 100% | $315,000 | |
Lakeview Loan Servicing, LLC
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VA | 2 | 0.8% | 50% | $385,000 | |
Equity Prime Mortgage LLC
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VA | 2 | 0.8% | 100% | $385,000 | |
Amerisave Mortgage Company
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Conventional, VA | 2 | 0.8% | 66.7% | $145,000 | |
Mortgage Financial Services
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Conventional, FHA | 2 | 0.8% | 100% | $215,000 | |
Stockton Mortgage Corporation
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VA | 2 | 0.8% | 100% | $355,000 | |
Mutual of Omaha Mortgage
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FHA, VA | 2 | 0.8% | 100% | $230,000 | |
New American Funding, LLC.
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FHA, VA | 2 | 0.8% | 100% | $290,000 | |
Lower, LLC
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FHA, VA | 2 | 0.8% | 100% | $340,000 | |
Carrington Mortgage Services LLC
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Conventional, VA | 2 | 0.8% | 25% | $240,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.4% | 100% | $315,000 | |
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A5.0 ★Texas Ratio: 11.06% |
FHA | 1 | 0.4% | 100% | $365,000 | View |
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D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.4% | 100% | $265,000 | View |
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A+5.0 ★Texas Ratio: 1.15% |
Conventional | 1 | 0.4% | 100% | $265,000 | View |
loanDepot.com LLC
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VA | 1 | 0.4% | 100% | $405,000 | |
United Trust Bank
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VA | 1 | 0.4% | 100% | $255,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.4% | 100% | $315,000 | |
American Financial Network, Inc.
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VA | 1 | 0.4% | 100% | $285,000 | |
Directions Equity, LLC
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FHA | 1 | 0.4% | 100% | $335,000 | |
Cmg Mortgage Inc
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FHA | 1 | 0.4% | 100% | $325,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 50% | $55,000 | |
Weichert Financial Services
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Conventional | 1 | 0.4% | 100% | $365,000 | |
New Day Financial, LLC.
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VA | 1 | 0.4% | 100% | $315,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.4% | 100% | $235,000 | |
T2 Financial LLC
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FHA | 1 | 0.4% | 100% | $255,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $215,000 | |
The Loan Store, Inc
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VA | 1 | 0.4% | 100% | $515,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $235,000 | |
Fairway Independent Mort Corp
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VA | 1 | 0.4% | 100% | $375,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.4% | 100% | $475,000 | View |
Reliance First Capital, LLC
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VA | 1 | 0.4% | 100% | $505,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.4% | 100% | $295,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Atoka 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 Atoka, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Atoka? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Atoka in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Atoka, TN
Use these to narrow the list above. Each category shows how many Atoka, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Atoka, TN
Independent mortgage companies closed 63.8 percent of home loans in Atoka, Tennessee in 2025, banks 19.6 percent and credit unions 16.7 percent. American Mortgage Services Inc was the largest mortgage company, Patriot Bank the largest bank and Leaders Credit Union the largest credit union. Among lenders headquartered in Tennessee, Patriot Bank led with 21 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 Atoka, TN
By home loans closed in 2025, Patriot Bank was the largest mortgage lender in Atoka, Tennessee with 21 loans, about 8.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
28 lenders closed FHA loans in Atoka, Tennessee in 2025, led by Leaders Credit Union with 8. 33 lenders closed VA loans, led by Mortgage Research Center, and 3 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. 26 banks and 7 credit unions closed home loans in Atoka, Tennessee in 2025, alongside 45 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 Atoka, 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 Atoka, 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 Atoka. 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.
