Mortgage Lenders and Brokers in Charlotte, 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
Charlotte, Tennessee mortgage lenders include First Federal BankFirst Federal Bank2 Court Sq, Charlotte, TN 37036A+5.0 ★Texas Ratio: 3.11%, TriStar BankTriStar Bank3416 Highway 48 N, Charlotte, TN 37036A5.0 ★Texas Ratio: 7.05%, Bank of DicksonBank of Dickson101 N Main St, Dickson, TN 37055A+5.0 ★Texas Ratio: 0.00%, Regions BankRegions Bank216 S Calderwood St, Alcoa, TN 37701A+5.0 ★Texas Ratio: 4.37%, FirstbankFirstbank8398 Us Highway 64, Bartlett, TN 38133A5.0 ★Texas Ratio: 7.51%, Community Mortgage CorporationCommunity Mortgage Corporation1007 Us Highway 45 N, Henderson, TN 38340, Fortera Federal Credit UnionFortera Federal Credit Union2050 Lowes Dr, Clarksville, TN 37040 1620A+5.0 ★Texas Ratio: 3.76%, Ascend Federal Credit UnionAscend Federal Credit Union782 Old Hickory Blvd, Brentwood, TN 37027A+5.0 ★Texas Ratio: 2.35%, First Community Mortgage, Inc.First Community Mortgage, Inc.2681 Boones Creek Rd, Johnson City, TN 37615A+5.0 ★Texas Ratio: 3.36%, and Legends BankLegends Bank533 S Main St, Ashland City, TN 37015A+5.0 ★Texas Ratio: 0.00%. 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 Charlotte, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Charlotte 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 Charlotte, Tennessee
Market share is the lender's share of all home loans closed in Charlotte, 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 Charlotte 2 Court Sq, Charlotte, TN 37036 A+5.0 ★Texas Ratio: 3.11% |
Conventional | 22 | 10.3% | 85.7% | $188,636 | View |
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1 office in Charlotte 3416 Highway 48 N, Charlotte, TN 37036 A5.0 ★Texas Ratio: 7.05% |
Conventional | 7 | 3.3% | 80% | $302,142 | View |
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101 N Main St, Dickson, TN 37055 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 12 | 5.6% | 92.3% | $176,666 | View |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 5 +3 HELOCs |
2.3% | 80% | $161,000 | View |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
Conventional, USDA, HELOC | 3 +2 HELOCs |
1.4% | 100% | $201,666 | View |
Community Mortgage Corporation
1007 Us Highway 45 N, Henderson, TN 38340 |
Conventional, FHA | 3 | 1.4% | 100% | $288,333 | |
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2050 Lowes Dr, Clarksville, TN 37040 1620 A+5.0 ★Texas Ratio: 3.76% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 66.7% | $240,000 | View |
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782 Old Hickory Blvd, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.35% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 66.7% | $235,000 | View |
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2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA | 2 | 0.9% | 100% | $310,000 | View |
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533 S Main St, Ashland City, TN 37015 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 0.9% | 100% | $305,000 | View |
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25 Jefferson St Ste 100, Clarksville, TN 37040 A+5.0 ★Texas Ratio: 0.11% |
Conventional | 2 | 0.9% | 66.7% | $355,000 | View |
TEN Credit Union
1281 S Walnut Ave, Cookeville, TN 38501 5963 |
Conventional | 2 | 0.9% | 100% | $190,000 | |
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1087 Hunters Xing, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 2.97% |
FHA, HELOC | 1 +2 HELOCs |
0.5% | 100% | $305,000 | View |
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929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.5% | 100% | $215,000 | View |
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106 Washington Ave, Athens, TN 37303 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.5% | 100% | $285,000 | View |
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1107 Mineral Wells Ave, Paris, TN 38242 4903 A+5.0 ★Texas Ratio: 2.52% |
FHA | 1 | 0.5% | 100% | $185,000 | View |
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250 W Broadway, Gallatin, TN 37066 A+5.0 ★Texas Ratio: 2.16% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,435,000 | View |
Ornl Federal Credit Union
103 Hamilton Crossing Dr, Alcoa, TN 37701 |
Conventional | 1 | 0.5% | 100% | $265,000 | |
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5000 Maryland Way, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,085,000 | View |
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5308 Mount View Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 3.04% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1113 Hunters Xing, Alcoa, TN 37701 1852 A+5.0 ★Texas Ratio: 2.34% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Mortgage Investors Group
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Conventional, FHA, VA | 3 | 1.4% | 100% | $398,333 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $435,000 | |
21St Mortgage
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Conventional | 1 | 0.5% | 25% | $295,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.5% | 33.3% | $155,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA, VA | 29 | 13.6% | 88.2% | $288,103 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 22 | 10.3% | 100% | $311,363 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, HELOC | 6 +1 HELOCs |
2.8% | 100% | $298,333 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 6 | 2.8% | 100% | $390,000 | |
Freedom Mortgage Corporation
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FHA, VA | 5 | 2.3% | 83.3% | $311,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 5 | 2.3% | 100% | $237,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 4 | 1.9% | 100% | $340,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 4 | 1.9% | 66.7% | $487,500 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional, FHA | 4 | 1.9% | 100% | $405,000 | View |
Mortgage Research Center
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Conventional, VA | 4 | 1.9% | 57.1% | $332,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +1 HELOCs |
1.4% | 100% | $125,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional, FHA | 3 | 1.4% | 100% | $208,333 | |
Altra Federal Credit Union
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Conventional | 3 | 1.4% | 100% | $321,666 | |
Mutual of Omaha Mortgage
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Conventional | 3 | 1.4% | 75% | $148,333 | |
Newrez LLC
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FHA, VA | 2 | 0.9% | 66.7% | $360,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 0.9% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional, FHA | 2 | 0.9% | 100% | $140,000 | View |
Das Acquisition Company, LLC
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FHA | 2 | 0.9% | 100% | $275,000 | |
New American Funding, LLC.
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FHA, VA | 2 | 0.9% | 100% | $315,000 | |
Cadence Bank
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USDA, HELOC | 1 +1 HELOCs |
0.5% | 50% | $305,000 | |
Interlinc Mortgage Services, LLC
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FHA | 1 | 0.5% | 100% | $685,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.5% | 100% | $285,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $85,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,755,000 | View |
Equity Prime Mortgage LLC
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VA | 1 | 0.5% | 100% | $345,000 | |
Kind Lending, LLC
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FHA | 1 | 0.5% | 100% | $365,000 | |
loanDepot.com LLC
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FHA | 1 | 0.5% | 50% | $185,000 | |
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A+5.0 ★Texas Ratio: 0.86% |
Conventional | 1 | 0.5% | 100% | $125,000 | View |
Amerisave Mortgage Company
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Conventional | 1 | 0.5% | 100% | $165,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.5% | 100% | $355,000 | |
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A5.0 ★Texas Ratio: 8.47% |
FHA | 1 | 0.5% | 100% | $245,000 | View |
Flat Branch Mortgage, Inc.
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FHA | 1 | 0.5% | 100% | $185,000 | |
Atlantic Bay Mortgage Group
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Conventional | 1 | 0.5% | 100% | $385,000 | |
Nations Lending Corporation
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FHA | 1 | 0.5% | 100% | $375,000 | |
T2 Financial LLC
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Conventional | 1 | 0.5% | 100% | $155,000 | |
Atlanta Postal Credit Union
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Conventional | 1 | 0.5% | 100% | $315,000 | |
Towne Mortgage Company
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FHA | 1 | 0.5% | 100% | $525,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $255,000 | |
Summit Funding.Inc
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Conventional | 1 | 0.5% | 100% | $565,000 | |
Lower, LLC
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Conventional | 1 | 0.5% | 100% | $305,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.5% | 100% | $145,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.5% | 100% | $335,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.5% | 25% | $75,000 | |
Gershman Investment Corp.
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FHA | 1 | 0.5% | 100% | $225,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Communityamerica Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Charlotte 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 Charlotte, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Charlotte? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Charlotte in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Charlotte, TN
Use these to narrow the list above. Each category shows how many Charlotte, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Charlotte, TN
Independent mortgage companies closed 61.5 percent of home loans in Charlotte, Tennessee in 2025, banks 31.9 percent and credit unions 6.6 percent. Community Mortgage Corporation was the largest mortgage company, First Federal Bank the largest bank and Fortera Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, First Federal Bank led with 22 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 Charlotte, TN
By home loans closed in 2025, First Federal Bank was the largest mortgage lender in Charlotte, Tennessee with 22 loans, about 10.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
30 lenders closed FHA loans in Charlotte, Tennessee in 2025, led by Rocket Mortgage with 9. 12 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. 21 banks and 9 credit unions closed home loans in Charlotte, 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 Charlotte, 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 Charlotte, 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 Charlotte. 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.
