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Mortgage Lenders and Brokers in Franklin, Tennessee

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Franklin, Tennessee mortgage lenders include FirstbankFirstbank5040 Carothers Pkwy Ste 109, Franklin, TN 37067A5.0 ★Texas Ratio: 7.51%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3030 Mallory Ln, Franklin, TN 37067A+5.0 ★Texas Ratio: 3.68%, Regions BankRegions Bank3080 Columbia Ave, Franklin, TN 37064A+5.0 ★Texas Ratio: 4.37%, Old National BankOld National Bank330 Mayfield Dr, Franklin, TN 37067A+5.0 ★Texas Ratio: 4.98%, Volunteer BankVolunteer Bank101 International Dr Ste 100, Franklin, TN 37067A+5.0 ★Texas Ratio: 3.34%, US Bank, N.A.US Bank, N.A.2020 Fieldstone Pkwy, Franklin, TN 37069A+5.0 ★Texas Ratio: 2.85%, Pinnacle BankPinnacle Bank7040 Carothers Pkwy, Franklin, TN 37067A+5.0 ★Texas Ratio: 3.04%, First Horizon BankFirst Horizon Bank2200 Hillsboro Rd, Franklin, TN 37069A+5.0 ★Texas Ratio: 5.76%, Wilson Bank and TrustWilson Bank and Trust9200 Carothers Pkwy, Franklin, TN 37067A+5.0 ★Texas Ratio: 4.75%, and Bank of America NABank of America NA213 5th Ave N, Franklin, TN 37064A+5.0 ★Texas Ratio: 4.14%. 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 Franklin, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Franklin 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 Franklin, Tennessee

Market share is the lender's share of all home loans closed in Franklin, 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
Firstbank 6 offices in Franklin 5040 Carothers Pkwy Ste 109, Franklin, TN 37067 A5.0 ★Texas Ratio: 7.51%	Conventional, FHA, VA, Jumbo, HELOC	68 +57 HELOCs	3.3%	97.1%	$685,000	View
JPMorgan Chase Bank, NA 3 offices in Franklin 3030 Mallory Ln, Franklin, TN 37067 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, Jumbo, HELOC	57 +2 HELOCs	2.8%	89.4%	$847,456	View
Regions Bank 5 offices in Franklin 3080 Columbia Ave, Franklin, TN 37064 A+5.0 ★Texas Ratio: 4.37%	Conventional, Jumbo, HELOC	49 +87 HELOCs	2.4%	88.3%	$542,551	View
Old National Bank 1 office in Franklin 330 Mayfield Dr, Franklin, TN 37067 A+5.0 ★Texas Ratio: 4.98%	Conventional, FHA, Jumbo, HELOC	32 +7 HELOCs	1.6%	100%	$556,562	View
Volunteer Bank 3 offices in Franklin 101 International Dr Ste 100, Franklin, TN 37067 A+5.0 ★Texas Ratio: 3.34%	Conventional, Jumbo	29	1.4%	96.7%	$395,344	View
US Bank, N.A. 2 offices in Franklin 2020 Fieldstone Pkwy, Franklin, TN 37069 A+5.0 ★Texas Ratio: 2.85%	Conventional, VA, Jumbo, HELOC	27 +23 HELOCs	1.3%	70%	$863,518	View
Pinnacle Bank 2 offices in Franklin 7040 Carothers Pkwy, Franklin, TN 37067 A+5.0 ★Texas Ratio: 3.04%	Conventional, Jumbo, HELOC	24 +47 HELOCs	1.2%	92.3%	$872,916	View
First Horizon Bank ★ 5 stars, 1 review 5 offices in Franklin 2200 Hillsboro Rd, Franklin, TN 37069 A+5.0 ★Texas Ratio: 5.76%	Conventional, VA, Jumbo, HELOC	23 +46 HELOCs	1.1%	88.5%	$688,913	View
Wilson Bank and Trust 1 office in Franklin 9200 Carothers Pkwy, Franklin, TN 37067 A+5.0 ★Texas Ratio: 4.75%	Conventional, VA, Jumbo, HELOC	21 +4 HELOCs	1%	92.6%	$650,714	View
Bank of America NA 1 office in Franklin 213 5th Ave N, Franklin, TN 37064 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	14 +66 HELOCs	0.7%	82.4%	$790,714	View
Wells Fargo Bank NA 2 offices in Franklin 210 S Royal Oaks Blvd, Franklin, TN 37064 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	14	0.7%	82.4%	$874,285	View
Truist Bank ★ 1 stars, 1 review 3 offices in Franklin 2184 Hillsboro Rd, Franklin, TN 37069 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	11 +48 HELOCs	0.5%	85.7%	$565,000	View
Fifth Third Bank, National Association 3 offices in Franklin 230 Public Sq, Franklin, TN 37064 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	9 +63 HELOCs	0.4%	61.1%	$391,666	View
Renasant Bank 2 offices in Franklin 9135 Carothers Pkwy, Franklin, TN 37067 A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA, Jumbo, HELOC	7 +9 HELOCs	0.3%	100%	$909,285	View
Republic Bank & Trust 1 office in Franklin 113 Seaboard Ln, Franklin, TN 37067 A+5.0 ★Texas Ratio: 2.91%	Conventional, Jumbo, HELOC	6 +18 HELOCs	0.3%	87.5%	$516,666	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Franklin 1556 W Mcewen Dr, Franklin, TN 37067 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	5 +8 HELOCs	0.2%	100%	$785,000	View
First Ciitizens Bank and Trust 1 office in Franklin 228 S Royal Oaks Blvd, Franklin, TN 37064 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo, HELOC	4 +2 HELOCs	0.2%	100%	$1,002,500	View
Simmons Bank 4 offices in Franklin 500 Corporate Centre Dr, Franklin, TN 37067 A+5.0 ★Texas Ratio: 5.33%	Conventional, Jumbo, HELOC	3 +23 HELOCs	0.1%	50%	$791,666	View
Smartbank 1 office in Franklin 9050 Carothers Pkwy, Franklin, TN 37067 A+5.0 ★Texas Ratio: 1.74%	Conventional, Jumbo, HELOC	2 +3 HELOCs	0.1%	75%	$875,000	View
Southeast Financial Credit Union 220 S Royal Oaks Blvd, Franklin, TN 37064 5313 A+5.0 ★Texas Ratio: 0.98%	Conventional	1	0%	50%	$85,000	View
First Farmers and Merchants Bank 3 offices in Franklin 121 1st Ave S, Franklin, TN 37064 A+5.0 ★Texas Ratio: 0.81%	HELOC	0 +10 HELOCs	0%	n/a		View
Huntington National Bank 1 office in Franklin A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	1	0%	100%	$1,005,000	View
Ascend Federal Credit Union 3150 Aspen Grove Dr, Franklin, TN 37067 8229 A+5.0 ★Texas Ratio: 2.35%	Conventional, Jumbo, HELOC	26 +17 HELOCs	1.3%	89.7%	$555,000	View
City National Bank 1005 17th Ave S, Nashville, TN 37212 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo	19	0.9%	100%	$1,012,894	View
Studio Bank 1550 W Mcewen Dr Suite 150, Franklin, TN 37067 A5.0 ★Texas Ratio: 11.28%	Conventional, VA	11	0.5%	100%	$620,454	View
First Community Mortgage, Inc. 2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36%	Conventional, FHA	9	0.4%	83.3%	$508,333	View
Servisfirst Bank 5384 Poplar Avenue, Memphis, TN 38119 A5.0 ★Texas Ratio: 8.75%	Conventional, Jumbo, HELOC	8 +5 HELOCs	0.4%	100%	$1,115,000	View
Bank of Tennessee 1917 Highway 394, Blountville, TN 37617 A+5.0 ★Texas Ratio: 4.09%	Conventional	8	0.4%	88.9%	$435,000	View
TEN Credit Union 2000 Mallory Ln, Franklin, TN 37067	Conventional	6	0.3%	100%	$335,000
First National Bank of Middle Tennessee 1175 Meridian Blvd, Franklin, TN 37067 A+5.0 ★Texas Ratio: 5.43%	Conventional	5	0.2%	83.3%	$615,000	View
Cornerstone Financial Credit Union 102 Werthan Cir, Franklin, TN 37064 4019	Conventional	4	0.2%	71.4%	$270,000
Leaders Credit Union 5530 Airline Rd, Arlington, TN 38002 A+5.0 ★Texas Ratio: 4.77%	Conventional	3	0.1%	100%	$495,000	View
Fortera Federal Credit Union 2050 Lowes Dr, Clarksville, TN 37040 1620 A+5.0 ★Texas Ratio: 3.76%	Conventional	2	0.1%	100%	$90,000	View
Eastman Credit Union 1911 Highway 394, Blountville, TN 37617 5349 A+5.0 ★Texas Ratio: 1.56%	Conventional	2	0.1%	100%	$100,000	View
Community Mortgage Corporation 1007 Us Highway 45 N, Henderson, TN 38340	Conventional	2	0.1%	100%	$420,000
TriStar Bank 3416 Highway 48 N, Charlotte, TN 37036 A5.0 ★Texas Ratio: 7.05%	Conventional	2	0.1%	100%	$620,000	View
United Community Bank 101 Creekstone Blvd, Franklin, TN 37064 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	1 +19 HELOCs	0%	50%	$305,000	View
Bank of Frankewing 2324 Highway 64, Frankewing, TN 38459 F2.7 ★Texas Ratio: 42.60%	Conventional	1	0%	100%	$985,000	View
Citizens Tri County Bank ★ 5 stars, 1 review 1548 Main St, Altamont, TN 37301 A5.0 ★Texas Ratio: 7.54%	Conventional	1	0%	100%	$195,000	View
Legends Bank 533 S Main St, Ashland City, TN 37015 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$745,000	View
BankTennessee 1917 Highway 394, Blountville, TN 37617 A+5.0 ★Texas Ratio: 4.09%	Conventional	1	0%	100%	$595,000	View
Bank of Dickson 101 N Main St, Dickson, TN 37055 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$285,000	View
One Bank of Tennessee 404 Main St, Baxter, TN 38544 A+5.0 ★Texas Ratio: 0.10%	Conventional, Jumbo	1	0%	100%	$2,665,000	View
First Federal Bank 2310 Highway 96, Burns, TN 37029 A+5.0 ★Texas Ratio: 3.11%	Conventional	1	0%	100%	$705,000	View
RockPointBank 401 Chestnut St, Chattanooga, TN 37402 A+5.0 ★Texas Ratio: 1.64%	Conventional	1	0%	100%	$605,000	View
CU Community, LLC 1007 Us Highway 45 N, Henderson, TN 38340	Conventional	1	0%	100%	$95,000
First Commerce Bank 4641 Nashville Hwy, Chapel Hill, TN 37034 A+5.0 ★Texas Ratio: 0.58%	Conventional	1	0%	100%	$545,000	View
HomeTrust Bank 11916 Kingston Pike, Farragut, TN 37934 A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +7 HELOCs	0%	n/a		View
First South Financial Federal Credit Union 11624 Highway 51 S, Atoka, TN 38004 A+5.0 ★Texas Ratio: 0.35%	HELOC	0 +4 HELOCs	0%	n/a		View
Wellworth Bank 100 N Public Sq, Alexandria, TN 37012 A5.0 ★Texas Ratio: 9.78%	HELOC	0 +1 HELOCs	0%	n/a		View
First Financial Bank NA 108 Cumberland St, Ashland City, TN 37015 A+5.0 ★Texas Ratio: 4.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Trustmark Bank 11915 Highway 70, Arlington, TN 38002 A+5.0 ★Texas Ratio: 2.40%	HELOC	0 +1 HELOCs	0%	n/a		View
Legacy Home Loans, LLC	Conventional, FHA, VA, Jumbo	124	6%	98.4%	$631,854
Churchill Mortgage Corporation	Conventional, FHA, Jumbo	34	1.7%	100%	$537,058
Vanderbilt Mortgage and Finance, Inc	Conventional, FHA	17	0.8%	100%	$619,117
Mortgage Investors Group	Conventional, FHA	10	0.5%	100%	$531,000
Wesbanco Bank, Inc. A+5.0 ★Texas Ratio: 3.87%	Conventional	2	0.1%	100%	$680,000	View
F&M Bank A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	1 +17 HELOCs	0%	100%	$155,000	View
Tennessee Valley Federal C U	Conventional	1	0%	50%	$165,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo	166	8.1%	89.4%	$679,457
Rocket Mortgage A+5.0 ★Texas Ratio: 2.03%	Conventional, FHA, VA, Jumbo, HELOC	165 +1 HELOCs	8%	86.7%	$478,030	View
loanDepot.com LLC	Conventional, FHA, VA	55	2.7%	87.5%	$601,545
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	51 +1 HELOCs	2.5%	94.4%	$740,098
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, Jumbo, HELOC	50 +17 HELOCs	2.4%	98.3%	$578,800
CrossCountry Mortgage, LLC	Conventional, FHA, Jumbo, HELOC	42 +4 HELOCs	2%	95.5%	$574,047
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional, VA, Jumbo	34	1.7%	100%	$664,411	View
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	28	1.4%	82.4%	$730,714
Liberty Federal Credit Union	Conventional, FHA, Jumbo, HELOC	24 +24 HELOCs	1.2%	100%	$803,750
Movement Mortgage, LLC	Conventional, VA	20	1%	100%	$568,500
Fairway Independent Mort Corp	Conventional, VA, Jumbo	20	1%	100%	$703,500
Newrez LLC	Conventional, VA	19	0.9%	73.1%	$522,368
Cadence Bank	Conventional, VA, Jumbo, HELOC	18 +31 HELOCs	0.9%	100%	$569,444
Kind Lending, LLC	Conventional, FHA, VA, Jumbo	16	0.8%	66.7%	$843,125
Guild Mortgage Company	Conventional, FHA, Jumbo	16	0.8%	100%	$585,000
Highlands Residential Mortgage, Ltd.	Conventional, Jumbo	16	0.8%	100%	$615,000
Nationstar Mortgage	Conventional, FHA	16	0.8%	80%	$175,000
Mutual of Omaha Mortgage	Conventional, VA, Jumbo, HELOC	14 +1 HELOCs	0.7%	93.3%	$756,428
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	14	0.7%	77.8%	$255,000	View
Compass Mortgage, Inc.	Conventional, VA, Jumbo	13	0.6%	100%	$521,923
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	12 +11 HELOCs	0.6%	85.7%	$340,000
Spring Eq, LLC	Conventional, HELOC	12 +9 HELOCs	0.6%	42.9%	$157,500
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	12	0.6%	92.3%	$1,240,833	View
New American Funding, LLC.	Conventional, Jumbo, HELOC	11 +1 HELOCs	0.5%	100%	$546,818
SWBC Mortgage Corporation	Conventional, Jumbo	11	0.5%	100%	$747,727
Shelter Lending Services, LLC	Conventional, VA, Jumbo	11	0.5%	100%	$685,909
The Loan Store, Inc	Conventional, HELOC	10 +1 HELOCs	0.5%	100%	$638,000
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	10	0.5%	76.9%	$705,000
Mortgage Research Center	Conventional, VA, Jumbo	10	0.5%	76.9%	$732,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	10	0.5%	100%	$952,000	View
Discover Bank	Conventional	9	0.4%	58.8%	$142,777
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, VA, Jumbo	9	0.4%	100%	$1,111,666	View
Nbkc Bank	Conventional, VA, Jumbo	8	0.4%	80%	$677,500
Union Home Mortgage Corp.	Conventional	8	0.4%	90%	$676,250
Jet HomeLoans, LP	Conventional, FHA	8	0.4%	88.9%	$593,750
Canopy Mortgage, LLC	Conventional, FHA, Jumbo	7	0.3%	100%	$786,428
Sage Home Loans Corporation	Conventional	7	0.3%	90.9%	$467,857
Capital City Home Loans, LLC	Conventional, Jumbo	7	0.3%	100%	$690,714
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, VA	7	0.3%	87.5%	$569,285	View
Better Mortgage Corporation	Conventional, Jumbo, HELOC	6 +3 HELOCs	0.3%	54.5%	$536,666
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, Jumbo, HELOC	6 +1 HELOCs	0.3%	100%	$605,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo, HELOC	6 +1 HELOCs	0.3%	100%	$1,055,000	View
American Financial Resources LLC	Conventional	6	0.3%	100%	$500,000
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional	6	0.3%	100%	$645,000	View
Amerisave Mortgage Company	Conventional	6	0.3%	35.3%	$293,333
Princeton Mortgage Corporation	Conventional, FHA	6	0.3%	87.5%	$481,666
Nfm, Inc	Conventional	6	0.3%	100%	$633,333
First Equity Mortgage Inc	Conventional, Jumbo	6	0.3%	75%	$671,666
Summit Funding.Inc	Conventional, Jumbo	6	0.3%	100%	$650,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	6	0.3%	100%	$1,041,666	View
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	5 +31 HELOCs	0.2%	100%	$831,000	View
SIRVA Mortgage, Inc.	Conventional, VA, Jumbo	5	0.2%	100%	$717,000
American Pacific Mortgage Corporation	Conventional, FHA, Jumbo	5	0.2%	100%	$601,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	5	0.2%	100%	$641,000	View
Lower, LLC	Conventional, Jumbo	5	0.2%	100%	$593,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	5	0.2%	100%	$569,000	View
Alliant Credit Union	Conventional, Jumbo, HELOC	4 +6 HELOCs	0.2%	80%	$952,500
First Citizens National Bank	Conventional, Jumbo, HELOC	4 +3 HELOCs	0.2%	80%	$777,500
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA, Jumbo	4	0.2%	66.7%	$722,500	View
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	4	0.2%	100%	$580,000	View
Primelending	Conventional	4	0.2%	100%	$492,500
Lakeview Loan Servicing, LLC	Conventional, FHA	4	0.2%	61.5%	$562,500
ALCOVA Mortgage, LLC	Conventional, Jumbo	4	0.2%	100%	$680,000
AmeriHome Mortgage Company, LLC	Conventional, FHA, Jumbo	4	0.2%	100%	$810,000
Sun West Mortgage Company, Inc	Conventional, FHA	4	0.2%	100%	$667,500
First Colony Mortgage Corporat	Conventional	4	0.2%	100%	$460,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	4	0.2%	40%	$537,500	View
Provident Funding Associates	Conventional	4	0.2%	80%	$552,500
Stockton Mortgage Corporation	Conventional, FHA, VA	4	0.2%	100%	$590,000
Iserve Residential Lending	Conventional, FHA	4	0.2%	100%	$555,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	4	0.2%	80%	$1,355,000	View
ClearEdge Lending LLC	Conventional, Jumbo	4	0.2%	80%	$1,625,000
Nexera Holding LLC	Conventional, Jumbo	4	0.2%	100%	$1,197,500
Texana Bank	Conventional, VA	4	0.2%	100%	$590,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +18 HELOCs	0.1%	80%	$181,666	View
Interlinc Mortgage Services, LLC	Conventional	3	0.1%	100%	$571,666
PHH Mortgage Corporation	Conventional	3	0.1%	100%	$498,333
Deephaven Mortgage LLC	Conventional, Jumbo	3	0.1%	75%	$1,335,000
American Financial Network, Inc.	Conventional, Jumbo	3	0.1%	50%	$891,666
Citizens Equity First Credit U	Conventional	3	0.1%	100%	$601,666
Castle & Cooke Mortgage, LLC	Conventional, Jumbo	3	0.1%	75%	$1,061,666
Hometown Equity Mortgage, LLC	Conventional, FHA, Jumbo	3	0.1%	75%	$1,205,000
Sierra Pacific Mortgage Co. Inc	Conventional	3	0.1%	100%	$658,333
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, Jumbo	3	0.1%	100%	$1,145,000	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	3	0.1%	100%	$565,000	View
Carrington Mortgage Services LLC	Conventional, FHA, VA	3	0.1%	36.4%	$501,666
Pentagon Federal Credit Union	Conventional, VA, HELOC	2 +13 HELOCs	0.1%	66.7%	$360,000
Digital Federal Credit Union	Conventional, HELOC	2 +6 HELOCs	0.1%	100%	$340,000
Redstone Federal Credit Union	Conventional, HELOC	2 +4 HELOCs	0.1%	100%	$720,000
Originpoint, LLC	Conventional	2	0.1%	100%	$790,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	2	0.1%	100%	$3,085,000	View
Residential Wholesale Mortgage	Conventional, FHA, Jumbo	2	0.1%	100%	$910,000
Everett Financial, Inc.	Conventional	2	0.1%	100%	$190,000
Watermark Capital, Inc.	Conventional	2	0.1%	100%	$590,000
Equity Prime Mortgage LLC	FHA, VA	2	0.1%	100%	$600,000
Filo Mortgage, LLC	Conventional	2	0.1%	100%	$670,000
Oaktree Funding Corp	Conventional, Jumbo	2	0.1%	100%	$2,110,000
Synergy One Lending, Inc.	Conventional	2	0.1%	100%	$815,000
General Mortgage Capital Corporation	Conventional	2	0.1%	100%	$185,000
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, VA	2	0.1%	66.7%	$355,000	View
First State Bank of St Charles	Conventional	2	0.1%	100%	$735,000
PFN Lending Group, Inc.	Conventional, Jumbo	2	0.1%	100%	$1,070,000
Success Mortgage Partners, Inc	Conventional	2	0.1%	100%	$410,000
Ross Mortgage Corporation	Conventional, VA	2	0.1%	100%	$615,000
West Alabama Bank & Trust	Conventional, Jumbo	2	0.1%	100%	$1,060,000
LoanFlight Lending, LLC.	Conventional	2	0.1%	100%	$775,000
Bay Equity LLC	Conventional	2	0.1%	100%	$545,000
3rd Street Financial Corp	Conventional	2	0.1%	100%	$550,000
Atlantic Bay Mortgage Group	Conventional	2	0.1%	100%	$625,000
T2 Financial LLC	Conventional, Jumbo	2	0.1%	100%	$1,155,000
Vellum Mortgage, Inc.	Conventional	2	0.1%	100%	$620,000
Nvr Mortgage Finance, Inc.	FHA	2	0.1%	100%	$720,000
Lendsure Mortgage Corp.	Conventional, Jumbo	2	0.1%	100%	$705,000
Lake Forest Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.75%	Conventional, Jumbo	2	0.1%	100%	$1,510,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0.1%	100%	$375,000	View
Midwest Bankcentre A+5.0 ★Texas Ratio: 5.66%	Conventional, FHA	2	0.1%	100%	$505,000	View
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional, Jumbo	2	0.1%	100%	$935,000	View
Prosperity Home Mortgage, LLC	FHA, VA, Jumbo	2	0.1%	100%	$795,000
Nmsi, Inc.	Conventional	2	0.1%	100%	$650,000
Farm Credit Mid-America, Aca	Conventional	2	0.1%	66.7%	$480,000
RBC Bank (Georgia), N.A.	Conventional, Jumbo	2	0.1%	100%	$885,000
Paramount Residential Mortgage	Conventional	2	0.1%	100%	$570,000
Plaza Home Mortgage, Inc	Conventional	2	0.1%	50%	$410,000
Synovus Bank	Conventional, Jumbo, HELOC	1 +8 HELOCs	0%	100%	$1,005,000
Quorum Federal Credit Union	Conventional, HELOC	1 +6 HELOCs	0%	50%	$255,000
American Airlines Federal Cred	Conventional, HELOC	1 +1 HELOCs	0%	100%	$95,000
AmWest Funding Corp	Conventional, HELOC	1 +1 HELOCs	0%	100%	$435,000
BMO Harris Bank NA A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$495,000	View
EMM Loans LLC	FHA	1	0%	100%	$815,000
Countybank B+4.3 ★Texas Ratio: 5.52%	Conventional	1	0%	100%	$915,000	View
Genisys Credit Union	Conventional	1	0%	50%	$305,000
Fidelity Bank A5.0 ★Texas Ratio: 12.33%	Conventional	1	0%	100%	$805,000	View
Cornerstone First Mortgage, LLC	VA	1	0%	100%	$925,000
Tidewater Mortgage Services, Inc	Conventional	1	0%	100%	$85,000
Valley Strong Credit Union	Conventional	1	0%	100%	$485,000
Bny Mellon, N.A. A+5.0 ★Texas Ratio: 0.37%	Conventional	1	0%	100%	$705,000	View
The Bank of New Glarus A-5.0 ★Texas Ratio: 15.01%	Conventional	1	0%	100%	$785,000	View
Chain Bridge Bank, N.A. A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$625,000	View
Fundloans Capital	Conventional	1	0%	100%	$305,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0%	100%	$765,000	View
Greenstate Credit Union	Conventional	1	0%	100%	$595,000
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional	1	0%	100%	$605,000	View
Contour Mortgage Corporation	Conventional	1	0%	100%	$835,000
NOVA Financial & Investment Corporation	Conventional	1	0%	100%	$515,000
Go Mortgage, LLC	Conventional	1	0%	100%	$785,000
Envoy Mortgage, Ltd	Conventional	1	0%	100%	$585,000
Orchard Mortgage, LLC	Conventional	1	0%	100%	$605,000
Dart Bank	Conventional	1	0%	100%	$575,000
Loanunited.Com, LLC	FHA	1	0%	100%	$405,000
Firstrust Savings Bank	Conventional, Jumbo	1	0%	100%	$4,875,000
United Trust Bank	Conventional	1	0%	100%	$615,000
Hickory Point Bank & Trust A+5.0 ★Texas Ratio: 1.00%	Conventional	1	0%	100%	$605,000	View
Eustis Mortgage Corp	Conventional	1	0%	100%	$305,000
Assurance Financial Group, L.L.C.	Conventional	1	0%	100%	$605,000
Homestead Funding Corp.	Conventional	1	0%	100%	$915,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional	1	0%	80%	$485,000	View
HomeXpress Mortgage Corp.	Conventional, Jumbo	1	0%	50%	$1,785,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	1	0%	100%	$255,000	View
MortgageCountry	FHA	1	0%	100%	$435,000
Acipco Federal Credit Union	Conventional	1	0%	100%	$775,000
US Wide Financial LLC	Conventional	1	0%	100%	$755,000
Credit Union Mortgage Associat A+5.0 ★Texas Ratio: 3.45%	Conventional	1	0%	100%	$295,000	View
Network Funding, L.P.	Conventional	1	0%	100%	$595,000
New Wave Lending Group Inc	Conventional	1	0%	100%	$655,000
ClearPath Lending	VA	1	0%	100%	$615,000
Flat Branch Mortgage, Inc.	Conventional	1	0%	100%	$585,000
United Premier Funding LLC	Conventional	1	0%	100%	$365,000
First Intercontinental Bank	Conventional	1	0%	100%	$665,000
American Heritage Lending, LLC	Conventional	1	0%	100%	$385,000
Real Genius LLC	Conventional	1	0%	100%	$565,000
First Heritage Mortgage, LLC	Conventional	1	0%	100%	$925,000
Elements Financial Federal Cre	Conventional	1	0%	100%	$985,000
Calcon Mutual Mortgage LLC	Conventional	1	0%	100%	$565,000
County National Bank B-4.3 ★Texas Ratio: 23.94%	Conventional	1	0%	100%	$295,000	View
Delta Community Credit Union	Conventional	1	0%	100%	$775,000
American Internet Mortgage, Inc.	Conventional	1	0%	100%	$125,000
Suncoast Credit Union	Conventional	1	0%	100%	$985,000
Embrace Home Loans, Inc.	Conventional	1	0%	100%	$405,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0%	50%	$805,000	View
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0%	100%	$605,000	View
United Home Loans, Inc.	Conventional	1	0%	100%	$615,000
Gardner Financial Services	FHA	1	0%	100%	$445,000
Baxter Credit Union	Conventional	1	0%	60%	$345,000
Southstate Bank, National Association ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 2.27%	Conventional	1	0%	100%	$305,000	View
Victorian Finance, LLC	Conventional	1	0%	100%	$805,000
Verabank,N.A. A+5.0 ★Texas Ratio: 3.26%	Conventional	1	0%	100%	$405,000	View
Ardri LLC	Conventional, Jumbo	1	0%	100%	$1,025,000
United Mortgage Corp.	Conventional	1	0%	100%	$445,000
Wings Financial Credit Union	Conventional	1	0%	100%	$625,000
Associated Bank NA A+5.0 ★Texas Ratio: 3.45%	Conventional, Jumbo	1	0%	100%	$1,455,000	View
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional	1	0%	100%	$55,000	View
Zillow Home Loans, LLC	Conventional	1	0%	100%	$165,000
Chambers Bank A+5.0 ★Texas Ratio: 1.59%	Conventional	1	0%	100%	$795,000	View
Valley National Bank A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0%	100%	$805,000	View
Stanford Federal Credit Union	Conventional	1	0%	100%	$595,000
General Electric Employees Federal Credit Union	Conventional	1	0%	100%	$405,000
Toyota Financial Savings Bank	Conventional	1	0%	100%	$165,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional	1	0%	100%	$135,000	View
Reliance First Capital, LLC	Conventional	1	0%	100%	$145,000
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional, Jumbo	1	0%	100%	$1,505,000	View
Tomo Mortgage LLC	Conventional	1	0%	50%	$655,000
Champions Funding, LLC	Conventional	1	0%	50%	$905,000
Cake Mortgage Corp.	Conventional	1	0%	100%	$685,000
Village Capital & Investment	FHA	1	0%	75%	$565,000
JMAC Lending, Inc.	Conventional	1	0%	100%	$715,000
Figure Lending LLC	HELOC	0 +24 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +12 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +11 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +7 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +7 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +7 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +3 HELOCs	0%	0%
Goodleap, LLC	HELOC	0 +2 HELOCs	0%	n/a
Virginia Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Kinecta Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Chartway FCU	HELOC	0 +1 HELOCs	0%	n/a
Credit Union 1	HELOC	0 +1 HELOCs	0%	n/a
Communityamerica Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
CB&S Bank	HELOC	0 +1 HELOCs	0%	n/a
WSFS bank A+5.0 ★Texas Ratio: 3.10%	HELOC	0 +1 HELOCs	0%	n/a		View
Consumers Credit Union A+5.0 ★Texas Ratio: 0.68%	HELOC	0 +1 HELOCs	0%	n/a		View
Geneva Financial LLC	HELOC	0 +1 HELOCs	0%	n/a
First American Bank A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Franklin Mortgage Rate Trends

Daily average mortgage rates for Tennessee compared with the national average, updated every evening.

30-Year Fixed TN Avg

7.337%

▲ 0.104 vs 7 days ago

15-Year Fixed TN Avg

6.671%

▲ 0.037 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Franklin, Tennessee

Looking for mortgage lenders near me or mortgage brokers near me in Franklin? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Franklin in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Franklin, TN

Use these to narrow the list above. Each category shows how many Franklin, TN lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 136 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 107 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 39 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 42 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 40 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 92 lenders. Loans above the conforming limit for higher priced homes Local lenders based in TN 38 lenders headquartered in Tennessee, the closest thing to a mortgage lender near you

Who Lends in Franklin, TN

Independent mortgage companies closed 59.9 percent of home loans in Franklin, Tennessee in 2025, banks 34.8 percent and credit unions 5.3 percent. Community Mortgage Corporation was the largest mortgage company, Firstbank the largest bank and Southeast Financial Credit Union the largest credit union. Among lenders headquartered in Tennessee, Firstbank led with 68 loans.

59.9%

Mortgage companies

34.8%

Banks

5.3%

Credit unions

FHA loans

VA 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

All Tennessee lenders 1,032 lenders Nashville-Davidson metropolitan government 520 lenders Clarksville 296 lenders Memphis 307 lenders Knoxville 334 lenders Murfreesboro 287 lenders Chattanooga 310 lenders Lebanon 220 lenders Johnson City 198 lenders Kingsport 178 lenders Maryville 182 lenders Smyrna 182 lenders Gallatin 212 lenders

Frequently Asked Questions About Mortgage Lenders in Franklin, TN

Who is the largest mortgage lender in Franklin, TN?

By home loans closed in 2025, Firstbank was the largest mortgage lender in Franklin, Tennessee with 68 loans, about 3.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Franklin, TN have the highest approval rates?

Among lenders with meaningful volume in Franklin, Tennessee, Legacy Home Loans, LLC approved the highest share of completed applications in 2025 at 98.4 percent, against a 88.9 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Franklin, TN mortgage lenders offer FHA, VA and USDA loans?

42 lenders closed FHA loans in Franklin, Tennessee in 2025, led by United Wholesale Mortgage with 10. 40 lenders closed VA loans, led by United Wholesale Mortgage, 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.

Are credit unions and local banks included in this Franklin, TN lender list?

Yes. 107 banks and 39 credit unions closed home loans in Franklin, Tennessee in 2025, alongside 136 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.

How are mortgage lenders in Franklin, TN ranked on this page?

Lenders are ranked only by the number of home loans they closed in Franklin, 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 Franklin, 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 Franklin. 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.