Mortgage Lenders and Brokers in Lone Oak, 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
Lone Oak, Tennessee mortgage lenders include FirstbankFirstbank8398 Us Highway 64, Bartlett, TN 38133A5.0 ★Texas Ratio: 7.51%, Regions BankRegions Bank216 S Calderwood St, Alcoa, TN 37701A+5.0 ★Texas Ratio: 4.37%, Citizens Tri County BankCitizens Tri County Bank1548 Main St, Altamont, TN 37301A5.0 ★Texas Ratio: 7.54%, US Bank, N.A.US Bank, N.A.929 Bell Rd, Antioch, TN 37013A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA11849 Crawford Pines Dr, Arlington, TN 38002A+5.0 ★Texas Ratio: 3.68%, Builtwell BankBuiltwell Bank219 Ward St, Benton, TN 37307A+5.0 ★Texas Ratio: 2.72%, Trust Federal Credit UnionTrust Federal Credit Union2186 Northgate Park Ln, Chattanooga, TN 37415 6911B4.5 ★Texas Ratio: 20.70%, First Farmers and Commercial BankFirst Farmers and Commercial Bank1251 N Main St, Crossville, TN 38555A+5.0 ★Texas Ratio: 0.50%, Mountain Valley BankMountain Valley BankHighway 28 South At Cordell Lane, Dunlap, TN 37327A+5.0 ★Texas Ratio: 4.32%, 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 Lone Oak, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lone Oak 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 Lone Oak, Tennessee
Market share is the lender's share of all home loans closed in Lone Oak, 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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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA, HELOC | 5 +2 HELOCs |
4.5% | 100% | $381,000 | View |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 4 +1 HELOCs |
3.6% | 100% | $167,500 | View |
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★ 5 stars, 1 review 1548 Main St, Altamont, TN 37301 A5.0 ★Texas Ratio: 7.54% |
Conventional | 4 | 3.6% | 83.3% | $257,500 | View |
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929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $715,000 | View |
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11849 Crawford Pines Dr, Arlington, TN 38002 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.9% | 100% | $905,000 | View |
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219 Ward St, Benton, TN 37307 A+5.0 ★Texas Ratio: 2.72% |
Conventional | 1 | 0.9% | 100% | $35,000 | View |
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2186 Northgate Park Ln, Chattanooga, TN 37415 6911 B4.5 ★Texas Ratio: 20.70% |
Conventional | 1 | 0.9% | 100% | $285,000 | View |
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1251 N Main St, Crossville, TN 38555 A+5.0 ★Texas Ratio: 0.50% |
Conventional | 1 | 0.9% | 100% | $115,000 | View |
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Highway 28 South At Cordell Lane, Dunlap, TN 37327 A+5.0 ★Texas Ratio: 4.32% |
Conventional | 1 | 0.9% | 25% | $35,000 | 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 +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% | n/a | View | |
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6186 Stage Rd, Bartlett, TN 38134 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Tennessee Valley Federal C U
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Conventional, HELOC | 5 +4 HELOCs |
4.5% | 100% | $183,000 | |
Mortgage Investors Group
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Conventional, FHA | 3 | 2.7% | 100% | $581,666 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 1.8% | 25% | $180,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 15 | 13.5% | 93.8% | $324,333 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, HELOC | 8 +1 HELOCs |
7.2% | 57.1% | $238,750 | View |
Farm Credit Mid-America, Aca
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Conventional, Jumbo | 4 | 3.6% | 100% | $497,500 | |
Cmg Mortgage Inc
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Conventional, HELOC | 3 +1 HELOCs |
2.7% | 100% | $348,333 | |
Freedom Mortgage Corporation
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FHA, VA, Jumbo | 3 | 2.7% | 80% | $611,666 | |
Canopy Mortgage, LLC
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Conventional | 3 | 2.7% | 100% | $295,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 2.7% | 100% | $295,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 3 | 2.7% | 100% | $241,666 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 2.7% | 100% | $158,333 | |
loanDepot.com LLC
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FHA, VA | 2 | 1.8% | 66.7% | $215,000 | |
Pennymac Loan Services LLC
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FHA | 2 | 1.8% | 50% | $200,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional, FHA | 2 | 1.8% | 100% | $315,000 | |
Nfm, Inc
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FHA, VA | 2 | 1.8% | 100% | $330,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.8% | 100% | $75,000 | |
Mortgage Research Center
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VA | 2 | 1.8% | 100% | $385,000 | |
Tjc Mortgage Inc
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VA | 2 | 1.8% | 100% | $440,000 | |
Carrington Mortgage Services LLC
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FHA | 2 | 1.8% | 100% | $170,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $765,000 | |
Cadence Bank
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Conventional | 1 | 0.9% | 100% | $465,000 | |
American Financial Resources LLC
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FHA | 1 | 0.9% | 100% | $225,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 0.9% | 100% | $185,000 | |
Newrez LLC
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VA | 1 | 0.9% | 50% | $495,000 | |
Equity Prime Mortgage LLC
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USDA | 1 | 0.9% | 100% | $255,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.9% | 75% | $295,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
USDA | 1 | 0.9% | 100% | $85,000 | View |
Homestead Funding Corp.
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VA | 1 | 0.9% | 100% | $755,000 | |
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A+5.0 ★Texas Ratio: 3.97% |
FHA | 1 | 0.9% | 100% | $485,000 | View |
Calcon Mutual Mortgage LLC
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VA | 1 | 0.9% | 100% | $325,000 | |
Delta Community Credit Union
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Conventional | 1 | 0.9% | 100% | $595,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.9% | 100% | $475,000 | View |
First Citizens National Bank
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Conventional | 1 | 0.9% | 100% | $615,000 | |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $365,000 | |
Summit Funding.Inc
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VA | 1 | 0.9% | 100% | $285,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.9% | 100% | $105,000 | |
Ussfcu
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Conventional | 1 | 0.9% | 100% | $45,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.9% | 100% | $265,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.9% | 100% | $475,000 | View |
Village Capital & Investment
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VA | 1 | 0.9% | 100% | $455,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Citizens Equity First Credit U
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HELOC | 0 +1 HELOCs |
0% | n/a |
Lone Oak 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 Lone Oak, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Lone Oak? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lone Oak in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lone Oak, TN
Use these to narrow the list above. Each category shows how many Lone Oak, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Lone Oak, TN
Independent mortgage companies closed 71.2 percent of home loans in Lone Oak, Tennessee in 2025, banks 20.7 percent and credit unions 8.1 percent. Mortgage Investors Group was the largest mortgage company, Firstbank the largest bank and Trust Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, Firstbank led with 5 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 Lone Oak, TN
By home loans closed in 2025, Firstbank was the largest mortgage lender in Lone Oak, Tennessee with 5 loans, about 4.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Lone Oak, Tennessee in 2025, led by United Wholesale Mortgage with 7. 11 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. 17 banks and 6 credit unions closed home loans in Lone Oak, Tennessee in 2025, alongside 32 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 Lone Oak, 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 Lone Oak, 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 Lone Oak. 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.
