Mortgage Lenders and Brokers in Decatur, 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
Decatur, Tennessee mortgage lenders include SouthEast BankSouthEast Bank17670 State Highway 58 N, Decatur, TN 37322A+5.0 ★Texas Ratio: 0.98%, First Financial Bank NAFirst Financial Bank NA120 N Main St, Decatur, TN 37322A+5.0 ★Texas Ratio: 4.65%, Old National BankOld National Bank106 Washington Ave, Athens, TN 37303A+5.0 ★Texas Ratio: 4.98%, Ornl Federal Credit UnionOrnl Federal Credit Union17640 State Highway 58 N, Decatur, TN 37322 7774, Regions BankRegions Bank216 S Calderwood St, Alcoa, TN 37701A+5.0 ★Texas Ratio: 4.37%, US Bank, N.A.US Bank, N.A.929 Bell Rd, Antioch, TN 37013A+5.0 ★Texas Ratio: 2.85%, First Farmers and Commercial BankFirst Farmers and Commercial Bank1251 N Main St, Crossville, TN 38555A+5.0 ★Texas Ratio: 0.50%, Andrew Johnson BankAndrew Johnson Bank4425 Ocoee St N, Cleveland, TN 37312A5.0 ★Texas Ratio: 6.04%, United Community BankUnited Community Bank1087 Hunters Xing, Alcoa, TN 37701A+5.0 ★Texas Ratio: 2.97%, and Truist BankTruist Bank9005 Us Highway 64, Arlington, TN 38002A+5.0 ★Texas Ratio: 2.87%. 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 Decatur, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Decatur 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 Decatur, Tennessee
Market share is the lender's share of all home loans closed in Decatur, 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 Decatur 17670 State Highway 58 N, Decatur, TN 37322 A+5.0 ★Texas Ratio: 0.98% |
Conventional, HELOC | 1 +3 HELOCs |
1% | 100% | $35,000 | View |
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1 office in Decatur 120 N Main St, Decatur, TN 37322 A+5.0 ★Texas Ratio: 4.65% |
Conventional, HELOC | 1 +2 HELOCs |
1% | 100% | $275,000 | View |
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106 Washington Ave, Athens, TN 37303 A+5.0 ★Texas Ratio: 4.98% |
Conventional, FHA, VA | 7 | 7.1% | 100% | $317,857 | View |
Ornl Federal Credit Union
17640 State Highway 58 N, Decatur, TN 37322 7774 |
Conventional, HELOC | 2 +1 HELOCs |
2% | 50% | $370,000 | |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
VA, HELOC | 1 +3 HELOCs |
1% | 25% | $265,000 | View |
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929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1% | 100% | $155,000 | View |
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1251 N Main St, Crossville, TN 38555 A+5.0 ★Texas Ratio: 0.50% |
Conventional | 1 | 1% | 100% | $65,000 | View |
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4425 Ocoee St N, Cleveland, TN 37312 A5.0 ★Texas Ratio: 6.04% |
Conventional | 1 | 1% | 100% | $665,000 | View |
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1087 Hunters Xing, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 2.97% |
Conventional | 1 | 1% | 50% | $195,000 | 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 +1 HELOCs |
0% | n/a | View | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 5 | 5.1% | 23.8% | $171,000 | |
21St Mortgage
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Conventional | 2 | 2% | 33.3% | $110,000 | |
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A+5.0 ★Texas Ratio: 1.28% |
Conventional | 1 | 1% | 100% | $275,000 | View |
Tennessee Valley Federal C U
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Conventional | 1 | 1% | 50% | $65,000 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA, VA | 8 | 8.1% | 100% | $198,750 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 6 | 6.1% | 100% | $253,333 | |
Movement Mortgage, LLC
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Conventional, FHA, HELOC | 4 +1 HELOCs |
4% | 100% | $215,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 4 | 4% | 100% | $347,500 | |
Pennymac Loan Services LLC
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Conventional, FHA | 4 | 4% | 80% | $260,000 | |
Cmg Mortgage Inc
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Conventional, FHA | 4 | 4% | 83.3% | $197,500 | |
Summit Funding.Inc
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Conventional, FHA, VA | 4 | 4% | 100% | $127,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +1 HELOCs |
3% | 100% | $441,666 | |
Amerisave Mortgage Company
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Conventional, FHA, VA | 3 | 3% | 100% | $175,000 | |
Click n' Close, Inc.
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Conventional, FHA | 3 | 3% | 100% | $185,000 | |
Eustis Mortgage Corp
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Conventional, FHA | 2 | 2% | 100% | $90,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 2 | 2% | 100% | $330,000 | |
Mortgage Research Center
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VA | 2 | 2% | 100% | $250,000 | |
New American Funding, LLC.
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Conventional, USDA | 2 | 2% | 100% | $380,000 | |
Farm Credit Mid-America, Aca
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Conventional | 2 | 2% | 100% | $290,000 | |
Leaderone Financial Corp.
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Conventional, FHA | 2 | 2% | 100% | $270,000 | |
Guaranteed Rate, Inc.
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VA | 1 | 1% | 100% | $345,000 | |
SWBC Mortgage Corporation
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FHA | 1 | 1% | 100% | $345,000 | |
Freedom Mortgage Corporation
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VA | 1 | 1% | 100% | $345,000 | |
Kind Lending, LLC
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FHA | 1 | 1% | 50% | $195,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 1% | 100% | $245,000 | |
SIRVA Mortgage, Inc.
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Conventional | 1 | 1% | 100% | $335,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 1% | 100% | $435,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 1% | 100% | $305,000 | |
Atlantic Bay Mortgage Group
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VA | 1 | 1% | 100% | $225,000 | |
First Citizens National Bank
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Conventional | 1 | 1% | 100% | $135,000 | |
Wolfe Financial Inc
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VA | 1 | 1% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 8.17% |
FHA | 1 | 1% | 100% | $255,000 | View |
Nationstar Mortgage
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Conventional | 1 | 1% | 100% | $85,000 | |
Tjc Mortgage Inc
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Conventional | 1 | 1% | 100% | $135,000 | |
Nations Direct Mortgage, LLC
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FHA | 1 | 1% | 100% | $435,000 | |
The Loan Store, Inc
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Conventional | 1 | 1% | 100% | $215,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 1% | 100% | $1,045,000 | View |
Carrington Mortgage Services LLC
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FHA | 1 | 1% | 50% | $115,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 1% | 100% | $325,000 |
Decatur 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 Decatur, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Decatur? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Decatur in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Decatur, TN
Use these to narrow the list above. Each category shows how many Decatur, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Decatur, TN
Independent mortgage companies closed 76.8 percent of home loans in Decatur, Tennessee in 2025, banks 17.2 percent and credit unions 6.1 percent. Vanderbilt Mortgage and Finance, Inc was the largest mortgage company, SouthEast Bank the largest bank and Ornl Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, SouthEast Bank led with 1 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 Decatur, TN
By home loans closed in 2025, SouthEast Bank was the largest mortgage lender in Decatur, Tennessee with 1 loans, about 1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Decatur, Tennessee in 2025, led by Movement Mortgage, LLC with 3. 13 lenders closed VA loans, led by Navy Federal Credit Union, and 1 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. 12 banks and 3 credit unions closed home loans in Decatur, Tennessee in 2025, alongside 34 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 Decatur, 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 Decatur, 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 Decatur. 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.
