Mortgage Lenders and Brokers in Bells, 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
Bells, Tennessee mortgage lenders include Bank of CrockettBank of Crockett2195 Cypress Church Rd, Bells, TN 38006A+5.0 ★Texas Ratio: 2.03%, Renasant BankRenasant Bank33 E Main St, Bells, TN 38006A+5.0 ★Texas Ratio: 4.72%, First Community Mortgage, Inc.First Community Mortgage, Inc.2681 Boones Creek Rd, Johnson City, TN 37615A+5.0 ★Texas Ratio: 3.36%, Leaders Credit UnionLeaders Credit Union5530 Airline Rd, Arlington, TN 38002A+5.0 ★Texas Ratio: 4.77%, FirstbankFirstbank8398 Us Highway 64, Bartlett, TN 38133A5.0 ★Texas Ratio: 7.51%, McKenzie Banking CompanyMcKenzie Banking Company1467 W Church St, Alamo, TN 38001A5.0 ★Texas Ratio: 9.76%, Regions BankRegions Bank216 S Calderwood St, Alcoa, TN 37701A+5.0 ★Texas Ratio: 4.37%, First South Financial Federal Credit UnionFirst South Financial Federal Credit Union11624 Highway 51 S, Atoka, TN 38004A+5.0 ★Texas Ratio: 0.35%, US Bank, N.A.US Bank, N.A.929 Bell Rd, Antioch, TN 37013A+5.0 ★Texas Ratio: 2.85%, and Brighton BankBrighton Bank7663 Highway 51 S, Brighton, TN 38011A+5.0 ★Texas Ratio: 0.40%. 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 Bells, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bells 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 Bells, Tennessee
Market share is the lender's share of all home loans closed in Bells, 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 Bells 2195 Cypress Church Rd, Bells, TN 38006 A+5.0 ★Texas Ratio: 2.03% |
Conventional, Jumbo | 7 | 10.3% | 100% | $416,428 | View |
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1 office in Bells 33 E Main St, Bells, TN 38006 A+5.0 ★Texas Ratio: 4.72% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
FHA, USDA | 5 | 7.4% | 100% | $165,000 | View |
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5530 Airline Rd, Arlington, TN 38002 A+5.0 ★Texas Ratio: 4.77% |
Conventional, USDA, HELOC | 4 +4 HELOCs |
5.9% | 80% | $200,000 | View |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA | 3 | 4.4% | 60% | $88,333 | View |
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1467 W Church St, Alamo, TN 38001 A5.0 ★Texas Ratio: 9.76% |
Conventional | 2 | 2.9% | 100% | $120,000 | View |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +2 HELOCs |
1.5% | 33.3% | $185,000 | View |
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11624 Highway 51 S, Atoka, TN 38004 A+5.0 ★Texas Ratio: 0.35% |
FHA, HELOC | 1 +1 HELOCs |
1.5% | 100% | $195,000 | View |
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929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1.5% | 100% | $45,000 | View |
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7663 Highway 51 S, Brighton, TN 38011 A+5.0 ★Texas Ratio: 0.40% |
FHA | 1 | 1.5% | 100% | $185,000 | View |
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2175 Saint John Ave, Dyersburg, TN 38024 A+5.0 ★Texas Ratio: 2.57% |
Conventional | 1 | 1.5% | 100% | $125,000 | View |
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1175 Meridian Blvd, Franklin, TN 37067 A+5.0 ★Texas Ratio: 5.43% |
Conventional | 1 | 1.5% | 100% | $455,000 | View |
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1007 Us Highway 45 N, Henderson, TN 38340 A+5.0 ★Texas Ratio: 5.60% |
Conventional | 1 | 1.5% | 100% | $5,000 | View |
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79 Stonebridge Blvd Ste A, Jackson, TN 38305 A+5.0 ★Texas Ratio: 0.99% |
Conventional | 1 | 1.5% | 100% | $175,000 | View |
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1489 E Main St, Brownsville, TN 38012 A5.0 ★Texas Ratio: 11.40% |
Conventional | 1 | 1.5% | 100% | $265,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 4.4% | 50% | $105,000 | |
Mortgage Investors Group
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Conventional, FHA | 2 | 2.9% | 100% | $195,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 1.5% | 100% | $145,000 | |
21St Mortgage
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Conventional | 1 | 1.5% | 33.3% | $185,000 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, VA | 5 | 7.4% | 83.3% | $85,000 | View |
Fairway Independent Mort Corp
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Conventional, FHA, USDA | 5 | 7.4% | 100% | $159,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 3 | 4.4% | 100% | $191,666 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 2.9% | 100% | $190,000 | |
loanDepot.com LLC
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FHA | 2 | 2.9% | 50% | $120,000 | |
Mortgage Research Center
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VA | 2 | 2.9% | 100% | $235,000 | |
Cadence Bank
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Conventional, HELOC | 1 +2 HELOCs |
1.5% | 100% | $25,000 | |
United Wholesale Mortgage
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VA | 1 | 1.5% | 100% | $155,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 1.5% | 100% | $165,000 | View |
Primary Residential Mortgage, INC.
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FHA | 1 | 1.5% | 100% | $265,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.5% | 33.3% | $25,000 | |
American Financial Network, Inc.
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FHA | 1 | 1.5% | 100% | $195,000 | |
New Day Financial, LLC.
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VA | 1 | 1.5% | 100% | $195,000 | |
Saygo Home Loans, LLC
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VA | 1 | 1.5% | 100% | $715,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 1.5% | 100% | $1,045,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 1.5% | 100% | $135,000 | |
Spring Eq, LLC
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Conventional | 1 | 1.5% | 100% | $25,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 1.5% | 100% | $65,000 |
Bells 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 Bells, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Bells? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bells in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bells, TN
Use these to narrow the list above. Each category shows how many Bells, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Bells, TN
Independent mortgage companies closed 51.5 percent of home loans in Bells, Tennessee in 2025, banks 41.2 percent and credit unions 7.4 percent. Vanderbilt Mortgage and Finance, Inc was the largest mortgage company, Bank of Crockett the largest bank and Leaders Credit Union the largest credit union. Among lenders headquartered in Tennessee, Bank of Crockett led with 7 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 Bells, TN
By home loans closed in 2025, Bank of Crockett was the largest mortgage lender in Bells, Tennessee with 7 loans, about 10.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
12 lenders closed FHA loans in Bells, Tennessee in 2025, led by First Community Mortgage, Inc. with 4. 6 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. 16 banks and 2 credit unions closed home loans in Bells, Tennessee in 2025, alongside 19 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 Bells, 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 Bells, 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 Bells. 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.
