Mortgage Lenders and Brokers in Cross Plains, 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
Cross Plains, Tennessee mortgage lenders include The Farmers BankThe Farmers Bank7836 Highway 25 E, Cross Plains, TN 37049, Regions BankRegions Bank216 S Calderwood St, Alcoa, TN 37701A+5.0 ★Texas Ratio: 4.37%, Volunteer BankVolunteer Bank214 Centerview Dr, Brentwood, TN 37027A+5.0 ★Texas Ratio: 3.34%, US Bank, N.A.US Bank, N.A.929 Bell Rd, Antioch, TN 37013A+5.0 ★Texas Ratio: 2.85%, First Community Mortgage, Inc.First Community Mortgage, Inc.2681 Boones Creek Rd, Johnson City, TN 37615A+5.0 ★Texas Ratio: 3.36%, Legends BankLegends Bank533 S Main St, Ashland City, TN 37015A+5.0 ★Texas Ratio: 0.00%, Edmonton State BankEdmonton State Bank250 W Broadway, Gallatin, TN 37066A+5.0 ★Texas Ratio: 2.16%, FirstbankFirstbank8398 Us Highway 64, Bartlett, TN 38133A5.0 ★Texas Ratio: 7.51%, Fifth Third Bank, National AssociationFifth Third Bank, National Association5000 Maryland Way, Brentwood, TN 37027A+5.0 ★Texas Ratio: 3.22%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA11849 Crawford Pines Dr, Arlington, TN 38002A+5.0 ★Texas Ratio: 3.68%. 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 Cross Plains, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cross Plains 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 Cross Plains, Tennessee
Market share is the lender's share of all home loans closed in Cross Plains, 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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The Farmers Bank
7836 Highway 25 E, Cross Plains, TN 37049 |
Conventional, VA | 9 | 4.8% | 100% | $386,111 | |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 4 +1 HELOCs |
2.1% | 100% | $30,000 | View |
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214 Centerview Dr, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 4 | 2.1% | 80% | $87,500 | View |
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929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 3 | 1.6% | 100% | $188,333 | View |
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2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
Conventional | 2 | 1.1% | 66.7% | $350,000 | View |
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533 S Main St, Ashland City, TN 37015 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 1.1% | 100% | $495,000 | View |
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250 W Broadway, Gallatin, TN 37066 A+5.0 ★Texas Ratio: 2.16% |
Conventional | 2 | 1.1% | 100% | $415,000 | View |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $385,000 | View |
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5000 Maryland Way, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $325,000 | View |
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11849 Crawford Pines Dr, Arlington, TN 38002 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.5% | 100% | $335,000 | View |
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5308 Mount View Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
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1917 Highway 394, Blountville, TN 37617 A+5.0 ★Texas Ratio: 4.09% |
Conventional | 1 | 0.5% | 100% | $745,000 | View |
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9059 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 50% | $215,000 | View |
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306 Brush Creek Rd, Alexandria, TN 37012 A+5.0 ★Texas Ratio: 4.75% |
Conventional | 1 | 0.5% | 100% | $455,000 | View |
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782 Old Hickory Blvd, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.35% |
Conventional | 1 | 0.5% | 33.3% | $45,000 | View |
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5810 Airline Rd, Arlington, TN 38002 A+5.0 ★Texas Ratio: 5.33% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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6186 Stage Rd, Bartlett, TN 38134 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1087 Hunters Xing, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 9005 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +2 HELOCs |
0% | n/a | 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 +1 HELOCs |
0% | 0% | View | |
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1602 W Northfield Blvd, Murfreesboro, TN 37129 A+5.0 ★Texas Ratio: 2.83% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 1.1% | 100% | $165,000 | |
Legacy Home Loans, LLC
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Conventional | 1 | 0.5% | 100% | $395,000 | |
Mortgage Investors Group
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Conventional | 1 | 0.5% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
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Conventional, FHA, VA | 25 | 13.4% | 96.3% | $448,200 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, VA | 18 | 9.6% | 75% | $241,666 | View |
Cmg Mortgage Inc
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Conventional, USDA, HELOC | 6 +1 HELOCs |
3.2% | 100% | $425,000 | |
FirstTrust Home Loans
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Conventional, FHA | 6 | 3.2% | 100% | $323,333 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, Jumbo | 5 | 2.7% | 100% | $485,000 | |
Sfmc, LP
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Conventional, FHA | 4 | 2.1% | 100% | $400,000 | |
Click n' Close, Inc.
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Conventional, FHA | 4 | 2.1% | 100% | $185,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional, FHA | 4 | 2.1% | 100% | $197,500 | |
Nationstar Mortgage
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Conventional | 4 | 2.1% | 80% | $367,500 | |
Iserve Residential Lending
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Conventional, FHA | 4 | 2.1% | 66.7% | $315,000 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 3 | 1.6% | 100% | $418,333 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.6% | 100% | $325,000 | |
Newrez LLC
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Conventional, VA, USDA | 3 | 1.6% | 75% | $301,666 | |
Fairway Independent Mort Corp
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Conventional, VA | 3 | 1.6% | 100% | $411,666 | |
HomeBridge Financial Services, Inc
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FHA, VA, HELOC | 2 +2 HELOCs |
1.1% | 100% | $395,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +2 HELOCs |
1.1% | 40% | $45,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 1.1% | 100% | $355,000 | |
loanDepot.com LLC
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Conventional, VA | 2 | 1.1% | 50% | $285,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 1.1% | 25% | $85,000 | |
City Lending Inc.
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Conventional, FHA | 2 | 1.1% | 100% | $175,000 | |
Success Mortgage Partners, Inc
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Conventional | 2 | 1.1% | 100% | $335,000 | |
Flat Branch Mortgage, Inc.
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FHA | 2 | 1.1% | 100% | $255,000 | |
Bay Equity LLC
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Conventional, FHA | 2 | 1.1% | 100% | $175,000 | |
Mutual of Omaha Mortgage
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FHA, VA | 2 | 1.1% | 100% | $555,000 | |
New American Funding, LLC.
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FHA | 2 | 1.1% | 66.7% | $345,000 | |
Lower, LLC
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Conventional, FHA | 2 | 1.1% | 100% | $350,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA | 2 | 1.1% | 50% | $320,000 | View |
Carrington Mortgage Services LLC
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Conventional | 2 | 1.1% | 50% | $45,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $605,000 | |
Interlinc Mortgage Services, LLC
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Conventional | 1 | 0.5% | 100% | $355,000 | |
Liberty Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $665,000 | |
Primelending
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VA | 1 | 0.5% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 4.31% |
VA | 1 | 0.5% | 100% | $485,000 | View |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.5% | 100% | $575,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $325,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.5% | 100% | $525,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $415,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.5% | 66.7% | $505,000 | |
Princeton Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $445,000 | |
Eustis Mortgage Corp
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FHA | 1 | 0.5% | 100% | $135,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.5% | 100% | $405,000 | View |
Das Acquisition Company, LLC
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FHA | 1 | 0.5% | 100% | $355,000 | |
Cardinal Financial Company, Li
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VA | 1 | 0.5% | 100% | $535,000 | |
New Day Financial, LLC.
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VA | 1 | 0.5% | 100% | $385,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.5% | 50% | $495,000 | View |
Credence Funding Corporation
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VA | 1 | 0.5% | 100% | $485,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.5% | 100% | $465,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 8.17% |
FHA | 1 | 0.5% | 50% | $225,000 | View |
Better Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $85,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.5% | 100% | $445,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.5% | 100% | $345,000 | |
Mason-McDuffie Mortgage Corporation
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FHA | 1 | 0.5% | 50% | $195,000 | |
Gershman Investment Corp.
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Conventional | 1 | 0.5% | 100% | $335,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
FHA | 1 | 0.5% | 100% | $405,000 | View |
Village Capital & Investment
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VA | 1 | 0.5% | 100% | $585,000 | |
JMAC Lending, Inc.
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VA | 1 | 0.5% | 100% | $505,000 | |
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Redstone Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Cross Plains 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 Cross Plains, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Cross Plains? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cross Plains in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cross Plains, TN
Use these to narrow the list above. Each category shows how many Cross Plains, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Cross Plains, TN
Independent mortgage companies closed 77 percent of home loans in Cross Plains, Tennessee in 2025, banks 21.4 percent and credit unions 1.6 percent. Vanderbilt Mortgage and Finance, Inc was the largest mortgage company, The Farmers Bank the largest bank and Ascend Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, The Farmers Bank led with 9 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 Cross Plains, TN
By home loans closed in 2025, The Farmers Bank was the largest mortgage lender in Cross Plains, Tennessee with 9 loans, about 4.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
30 lenders closed FHA loans in Cross Plains, Tennessee in 2025, led by United Wholesale Mortgage with 10. 18 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. 28 banks and 6 credit unions closed home loans in Cross Plains, Tennessee in 2025, alongside 53 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 Cross Plains, 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 Cross Plains, 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 Cross Plains. 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.
