Mortgage Lenders and Brokers in Celina, 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
Celina, Tennessee mortgage lenders include Macon Bank and Trust CompanyMacon Bank and Trust Company201 Main St, Celina, TN 38551, Wellworth BankWellworth Bank101 E Lake Ave, Celina, TN 38551A5.0 ★Texas Ratio: 9.78%, Regions BankRegions Bank216 S Calderwood St, Alcoa, TN 37701A+5.0 ★Texas Ratio: 4.37%, One Bank of TennesseeOne Bank of Tennessee404 Main St, Baxter, TN 38544A+5.0 ★Texas Ratio: 0.10%, SmartbankSmartbank109 Associates Blvd, Alcoa, TN 37701A+5.0 ★Texas Ratio: 1.74%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA11849 Crawford Pines Dr, Arlington, TN 38002A+5.0 ★Texas Ratio: 3.68%, Old National BankOld National Bank106 Washington Ave, Athens, TN 37303A+5.0 ★Texas Ratio: 4.98%, South Central Bank IncSouth Central Bank Inc1602 W Northfield Blvd, Murfreesboro, TN 37129A+5.0 ★Texas Ratio: 2.83%, Builtwell BankBuiltwell Bank219 Ward St, Benton, TN 37307A+5.0 ★Texas Ratio: 2.72%, and Edmonton State BankEdmonton State Bank250 W Broadway, Gallatin, TN 37066A+5.0 ★Texas Ratio: 2.16%. 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 Celina, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Celina 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 Celina, Tennessee
Market share is the lender's share of all home loans closed in Celina, 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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Macon Bank and Trust Company
201 Main St, Celina, TN 38551 |
Conventional | 10 | 12.7% | 90.9% | $119,000 | |
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101 E Lake Ave, Celina, TN 38551 A5.0 ★Texas Ratio: 9.78% |
Conventional, HELOC | 3 +19 HELOCs |
3.8% | 100% | $51,666 | View |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 2 +1 HELOCs |
2.5% | 100% | $140,000 | View |
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404 Main St, Baxter, TN 38544 A+5.0 ★Texas Ratio: 0.10% |
Conventional | 2 | 2.5% | 100% | $205,000 | View |
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109 Associates Blvd, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 1.74% |
Conventional, HELOC | 1 +1 HELOCs |
1.3% | 100% | $55,000 | View |
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11849 Crawford Pines Dr, Arlington, TN 38002 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.3% | 100% | $595,000 | View |
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106 Washington Ave, Athens, TN 37303 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 1.3% | 100% | $785,000 | View |
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1602 W Northfield Blvd, Murfreesboro, TN 37129 A+5.0 ★Texas Ratio: 2.83% |
Conventional | 1 | 1.3% | 100% | $35,000 | View |
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219 Ward St, Benton, TN 37307 A+5.0 ★Texas Ratio: 2.72% |
Conventional | 1 | 1.3% | 100% | $255,000 | View |
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250 W Broadway, Gallatin, TN 37066 A+5.0 ★Texas Ratio: 2.16% |
Conventional | 1 | 1.3% | 100% | $245,000 | View |
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1087 Hunters Xing, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 2.97% |
Conventional | 1 | 1.3% | 100% | $205,000 | View |
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5000 Maryland Way, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo | 1 | 1.3% | 100% | $975,000 | View |
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★ 1.7 stars, 3 reviews 4216 Century Farms Ter, Antioch, TN 37013 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 1.3% | 100% | $365,000 | View |
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306 Brush Creek Rd, Alexandria, TN 37012 A+5.0 ★Texas Ratio: 4.75% |
Conventional | 1 | 1.3% | 100% | $195,000 | View |
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4641 Nashville Hwy, Chapel Hill, TN 37034 A+5.0 ★Texas Ratio: 0.58% |
Conventional | 1 | 1.3% | 100% | $75,000 | 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 | |
21St Mortgage
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Conventional | 3 | 3.8% | 44.4% | $125,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 2.5% | 66.7% | $135,000 | |
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A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 1.3% | 100% | $285,000 | View |
Mortgage Investors Group
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USDA | 1 | 1.3% | 100% | $325,000 | |
United Wholesale Mortgage
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Conventional, VA | 7 | 8.9% | 87.5% | $435,000 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, VA | 7 | 8.9% | 72.7% | $229,285 | View |
CrossCountry Mortgage, LLC
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FHA, VA | 4 | 5.1% | 100% | $272,500 | |
Newrez LLC
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Conventional, VA, USDA | 3 | 3.8% | 100% | $145,000 | |
VanDyk Mortgage Corporation
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Conventional, VA | 2 | 2.5% | 100% | $385,000 | |
Union Home Mortgage Corp.
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FHA | 2 | 2.5% | 100% | $300,000 | |
New American Funding, LLC.
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Conventional | 2 | 2.5% | 100% | $455,000 | |
Southwest Stage Funding LLC
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Conventional | 2 | 2.5% | 100% | $155,000 | |
Liberty Federal Credit Union
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Conventional | 1 | 1.3% | 100% | $135,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 1.3% | 100% | $95,000 | |
Freedom Mortgage Corporation
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VA | 1 | 1.3% | 100% | $205,000 | |
loanDepot.com LLC
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FHA | 1 | 1.3% | 100% | $155,000 | |
Guild Mortgage Company
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VA | 1 | 1.3% | 100% | $395,000 | |
American Financial Network, Inc.
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Conventional | 1 | 1.3% | 100% | $165,000 | |
Nqm Funding, LLC
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Conventional | 1 | 1.3% | 100% | $345,000 | |
Embrace Home Loans, Inc.
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FHA | 1 | 1.3% | 100% | $245,000 | |
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A5.0 ★Texas Ratio: 10.25% |
Conventional | 1 | 1.3% | 100% | $155,000 | View |
American Pacific Mortgage Corporation
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Conventional | 1 | 1.3% | 100% | $205,000 | |
Mortgage Research Center
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VA | 1 | 1.3% | 100% | $495,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 1.3% | 50% | $445,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 1.3% | 100% | $105,000 | |
Texana Bank
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FHA | 1 | 1.3% | 100% | $435,000 | |
Mason-McDuffie Mortgage Corporation
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FHA | 1 | 1.3% | 100% | $125,000 | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Celina 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 Celina, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Celina? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Celina in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Celina, TN
Use these to narrow the list above. Each category shows how many Celina, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Celina, TN
Independent mortgage companies closed 59.5 percent of home loans in Celina, Tennessee in 2025, banks 39.2 percent and credit unions 1.3 percent. 21St Mortgage was the largest mortgage company, Macon Bank and Trust Company the largest bank and Liberty Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, Macon Bank and Trust Company led with 10 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 Celina, TN
By home loans closed in 2025, Macon Bank and Trust Company was the largest mortgage lender in Celina, Tennessee with 10 loans, about 12.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Celina, Tennessee in 2025, led by CrossCountry Mortgage, LLC with 2. 9 lenders closed VA loans, led by United Wholesale Mortgage, and 2 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. 19 banks and 1 credit unions closed home loans in Celina, Tennessee in 2025, alongside 24 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 Celina, 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 Celina, 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 Celina. 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.
