Mortgage Lenders and Brokers in Decherd, 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
Decherd, Tennessee mortgage lenders include Citizens Tri County BankCitizens Tri County Bank2030 Decherd Blvd, Decherd, TN 37324A5.0 ★Texas Ratio: 7.54%, FirstbankFirstbank2200 Decherd Blvd, Decherd, TN 37324A5.0 ★Texas Ratio: 7.51%, First Vision Bank of TennesseeFirst Vision Bank of Tennessee2165 Decherd Blvd, Decherd, TN 37324A5.0 ★Texas Ratio: 11.21%, Truist BankTruist Bank1829 Decherd Blvd, Decherd, TN 37324A+5.0 ★Texas Ratio: 2.87%, First Community Mortgage, Inc.First Community Mortgage, Inc.2681 Boones Creek Rd, Johnson City, TN 37615A+5.0 ★Texas Ratio: 3.36%, Ascend Federal Credit UnionAscend Federal Credit Union782 Old Hickory Blvd, Brentwood, TN 37027A+5.0 ★Texas Ratio: 2.35%, First National Bank of Middle TennesseeFirst National Bank of Middle Tennessee1175 Meridian Blvd, Franklin, TN 37067A+5.0 ★Texas Ratio: 5.43%, Regions BankRegions Bank216 S Calderwood St, Alcoa, TN 37701A+5.0 ★Texas Ratio: 4.37%, US Bank, N.A.US Bank, N.A.1910 Decherd Blvd, Decherd, TN 37324A+5.0 ★Texas Ratio: 2.85%, and Southern Bank of TennesseeSouthern Bank of Tennessee5109 Peter Taylor Park Drive Ste 200, Brentwood, TN 37027A+5.0 ★Texas Ratio: 0.38%. 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 Decherd, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Decherd 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 Decherd, Tennessee
Market share is the lender's share of all home loans closed in Decherd, 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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★ 5 stars, 1 review 1 office in Decherd 2030 Decherd Blvd, Decherd, TN 37324 A5.0 ★Texas Ratio: 7.54% |
Conventional, USDA | 13 | 8.7% | 76.5% | $162,692 | View |
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1 office in Decherd 2200 Decherd Blvd, Decherd, TN 37324 A5.0 ★Texas Ratio: 7.51% |
Conventional, HELOC | 3 +4 HELOCs |
2% | 100% | $88,333 | View |
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1 office in Decherd 2165 Decherd Blvd, Decherd, TN 37324 A5.0 ★Texas Ratio: 11.21% |
Conventional | 3 | 2% | 75% | $68,333 | View |
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★ 1 stars, 1 review 1 office in Decherd 1829 Decherd Blvd, Decherd, TN 37324 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $225,000 | View |
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2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA | 12 | 8% | 87.5% | $255,833 | View |
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782 Old Hickory Blvd, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.35% |
Conventional, HELOC | 9 +7 HELOCs |
6% | 64.3% | $133,888 | View |
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1175 Meridian Blvd, Franklin, TN 37067 A+5.0 ★Texas Ratio: 5.43% |
Conventional | 2 | 1.3% | 100% | $185,000 | View |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $35,000 | View |
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1910 Decherd Blvd, Decherd, TN 37324 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.7% | 50% | $215,000 | View |
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5109 Peter Taylor Park Drive Ste 200, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 0.38% |
Conventional | 1 | 0.7% | 100% | $105,000 | View |
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106 Washington Ave, Athens, TN 37303 A+5.0 ★Texas Ratio: 4.98% |
FHA | 1 | 0.7% | 100% | $85,000 | View |
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7845 US Highway 64, Bartlett, TN 38133 4007 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 0.7% | 100% | $515,000 | View |
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100 N Public Sq, Alexandria, TN 37012 A5.0 ★Texas Ratio: 9.78% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Tennessee Valley Federal C U
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Conventional | 1 | 0.7% | 100% | $145,000 | |
Legacy Home Loans, LLC
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Conventional | 1 | 0.7% | 100% | $235,000 | |
Mortgage Investors Group
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USDA | 1 | 0.7% | 100% | $245,000 | |
21St Mortgage
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Conventional | 1 | 0.7% | 40% | $185,000 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA | 15 | 10% | 75% | $169,000 | View |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA | 11 | 7.3% | 85.7% | $172,272 | |
Mortgage Research Center
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Conventional, VA | 8 | 5.3% | 80% | $247,500 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 6 | 4% | 80% | $315,000 | |
Texana Bank
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Conventional, FHA, VA | 6 | 4% | 100% | $331,666 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 5 | 3.3% | 83.3% | $185,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional, FHA, VA | 4 | 2.7% | 100% | $230,000 | View |
Nationstar Mortgage
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Conventional, FHA | 4 | 2.7% | 100% | $200,000 | |
Newrez LLC
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Conventional, VA | 3 | 2% | 100% | $325,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 3 | 2% | 100% | $361,666 | View |
Farm Credit Mid-America, Aca
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Conventional | 3 | 2% | 100% | $415,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 1.3% | 66.7% | $295,000 | |
Union Home Mortgage Corp.
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FHA, VA | 2 | 1.3% | 100% | $530,000 | |
Stockton Mortgage Corporation
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Conventional, VA | 2 | 1.3% | 100% | $205,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 1.3% | 100% | $220,000 | |
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A5.0 ★Texas Ratio: 8.28% |
Conventional, FHA | 2 | 1.3% | 100% | $305,000 | View |
American Financial Resources LLC
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FHA | 1 | 0.7% | 100% | $295,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 0.7% | 50% | $235,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.7% | 50% | $385,000 | |
Envoy Mortgage, Ltd
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Conventional, Jumbo | 1 | 0.7% | 100% | $1,125,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.7% | 50% | $275,000 | |
loanDepot.com LLC
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FHA | 1 | 0.7% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 0.7% | 100% | $305,000 | View |
Ross Mortgage Corporation
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VA | 1 | 0.7% | 100% | $685,000 | |
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A+5.0 ★Texas Ratio: 2.90% |
Conventional | 1 | 0.7% | 100% | $315,000 | View |
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A5.0 ★Texas Ratio: 7.48% |
FHA | 1 | 0.7% | 100% | $405,000 | View |
Redstone Federal Credit Union
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Conventional | 1 | 0.7% | 100% | $485,000 | |
Lower, LLC
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Conventional | 1 | 0.7% | 100% | $215,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.7% | 100% | $695,000 | |
Southwest Stage Funding LLC
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FHA | 1 | 0.7% | 100% | $285,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.7% | 100% | $275,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.7% | 100% | $25,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 0.7% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 9.09% |
VA | 1 | 0.7% | 100% | $285,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.7% | 100% | $255,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.7% | 100% | $85,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Decherd 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 Decherd, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Decherd? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Decherd in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Decherd, TN
Use these to narrow the list above. Each category shows how many Decherd, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Decherd, TN
Independent mortgage companies closed 54 percent of home loans in Decherd, Tennessee in 2025, banks 38 percent and credit unions 8 percent. Legacy Home Loans, LLC was the largest mortgage company, Citizens Tri County Bank the largest bank and Ascend Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, Citizens Tri County Bank led with 13 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 Decherd, TN
By home loans closed in 2025, Citizens Tri County Bank was the largest mortgage lender in Decherd, Tennessee with 13 loans, about 8.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Decherd, Tennessee in 2025, led by Cmg Mortgage Inc with 6. 14 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. 19 banks and 4 credit unions closed home loans in Decherd, Tennessee in 2025, alongside 31 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 Decherd, 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 Decherd, 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 Decherd. 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.
