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Mortgage Lenders and Brokers in Memphis, Tennessee

Content reviewed by

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

Memphis, Tennessee mortgage lenders include Pinnacle BankPinnacle Bank2235 Whitten Rd, Memphis, TN 38133A+5.0 ★Texas Ratio: 3.04%, Regions BankRegions Bank2491 Winchester Rd Ste 226, Memphis, TN 38116A+5.0 ★Texas Ratio: 4.37%, Renasant BankRenasant Bank2046 Union Ave, Memphis, TN 38104A+5.0 ★Texas Ratio: 4.72%, Orion Federal Credit UnionOrion Federal Credit Union3155 Millbranch Rd, Memphis, TN 38116 1917A+5.0 ★Texas Ratio: 2.54%, First Horizon BankFirst Horizon Bank4990 Poplar Ave, Memphis, TN 38117A+5.0 ★Texas Ratio: 5.76%, Patriot BankPatriot Bank3535 Austin Peay Hwy, Memphis, TN 38128A5.0 ★Texas Ratio: 9.21%, Trustmark BankTrustmark Bank5350 Poplar Ave, Memphis, TN 38119A+5.0 ★Texas Ratio: 2.40%, Financial Federal BankFinancial Federal Bank1715 Aaron Brenner Dr, Memphis, TN 38120A+5.0 ★Texas Ratio: 0.53%, Paragon BankParagon Bank6300 Poplar Ave, Memphis, TN 38119A+5.0 ★Texas Ratio: 3.21%, and Evolve Bank & TrustEvolve Bank & Trust6000 Poplar Ave, Memphis, TN 38119. 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 Memphis, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Memphis 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 Memphis, Tennessee

Market share is the lender's share of all home loans closed in Memphis, 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
Pinnacle Bank 4 offices in Memphis 2235 Whitten Rd, Memphis, TN 38133 A+5.0 ★Texas Ratio: 3.04%	Conventional, FHA, VA, Jumbo, HELOC	343 +80 HELOCs	5.8%	91.8%	$216,049	View
Regions Bank 20 offices in Memphis 2491 Winchester Rd Ste 226, Memphis, TN 38116 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, VA, Jumbo, HELOC	142 +179 HELOCs	2.4%	38.4%	$141,197	View
Renasant Bank 2 offices in Memphis 2046 Union Ave, Memphis, TN 38104 A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA, VA, HELOC	127 +29 HELOCs	2.1%	95.5%	$235,157	View
Orion Federal Credit Union 3155 Millbranch Rd, Memphis, TN 38116 1917 A+5.0 ★Texas Ratio: 2.54%	Conventional, FHA, Jumbo	125	2.1%	94%	$328,760	View
First Horizon Bank ★ 5 stars, 1 review 15 offices in Memphis 4990 Poplar Ave, Memphis, TN 38117 A+5.0 ★Texas Ratio: 5.76%	Conventional, FHA, Jumbo, HELOC	121 +121 HELOCs	2%	78.1%	$299,876	View
Patriot Bank 1 office in Memphis 3535 Austin Peay Hwy, Memphis, TN 38128 A5.0 ★Texas Ratio: 9.21%	Conventional, FHA, VA	115	1.9%	83.8%	$186,739	View
Trustmark Bank 3 offices in Memphis 5350 Poplar Ave, Memphis, TN 38119 A+5.0 ★Texas Ratio: 2.40%	Conventional, FHA, VA, HELOC	98 +49 HELOCs	1.7%	70%	$173,571	View
Financial Federal Bank 1715 Aaron Brenner Dr, Memphis, TN 38120 A+5.0 ★Texas Ratio: 0.53%	Conventional, FHA, VA, Jumbo	97	1.6%	99%	$177,268	View
Paragon Bank 4 offices in Memphis 6300 Poplar Ave, Memphis, TN 38119 A+5.0 ★Texas Ratio: 3.21%	Conventional	65	1.1%	97%	$240,076	View
Evolve Bank & Trust 6000 Poplar Ave, Memphis, TN 38119	Conventional, FHA, VA	65	1.1%	93%	$263,000
JPMorgan Chase Bank, NA 5 offices in Memphis 557 S Highland St, Memphis, TN 38111 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, HELOC	60 +1 HELOCs	1%	83.3%	$191,166	View
Simmons Bank 5 offices in Memphis 5880 Ridge Bend Rd, Memphis, TN 38120 A+5.0 ★Texas Ratio: 5.33%	Conventional, FHA, VA, Jumbo, HELOC	57 +24 HELOCs	1%	83.6%	$316,403	View
Independent Bank 1711 Union Ave, Memphis, TN 38104 A5.0 ★Texas Ratio: 10.91%	Conventional, FHA, VA, Jumbo	52	0.9%	92.9%	$337,307	View
Memphis City Employees Credit Union 2608 Avery Ave, Memphis, TN 38112 4821 A+5.0 ★Texas Ratio: 2.01%	Conventional	35	0.6%	63.6%	$123,000	View
Bank of America NA 8 offices in Memphis 3741 Winchester Rd, Memphis, TN 38118 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, HELOC	34 +52 HELOCs	0.6%	89.5%	$227,647	View
Bank3 5210 Poplar Ave, Memphis, TN 38119 A+5.0 ★Texas Ratio: 0.42%	Conventional, VA	33	0.6%	91.7%	$240,151	View
Wells Fargo Bank NA 4 offices in Memphis 3611 Hacks Cross Rd, Memphis, TN 38125 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, VA	31	0.5%	62%	$162,741	View
Truist Bank ★ 1 stars, 1 review 10 offices in Memphis 464 S Perkins Rd, Memphis, TN 38117 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, VA, HELOC	22 +59 HELOCs	0.4%	81.5%	$217,727	View
Fed Ex Employees Credit Association 3670 Hacks Cross Rd, Memphis, TN 38125 A+5.0 ★Texas Ratio: 3.13%	Conventional, HELOC	22 +20 HELOCs	0.4%	77.4%	$91,818	View
Bank of Bartlett 1 office in Memphis 3196 Austin Peay Hwy, Memphis, TN 38128 A-4.9 ★Texas Ratio: 16.60%	Conventional, HELOC	19 +54 HELOCs	0.3%	62.5%	$190,263	View
Firstbank 2 offices in Memphis 6482 Poplar Ave, Memphis, TN 38119 A5.0 ★Texas Ratio: 7.51%	Conventional, FHA	13	0.2%	86.7%	$208,846	View
Community Bank of Mississippi 1 office in Memphis 6525 N Quail Hollow Rd, Memphis, TN 38120 A+5.0 ★Texas Ratio: 3.09%	Conventional, FHA, HELOC	11 +2 HELOCs	0.2%	84.6%	$228,636	View
First National Bank of Eastern Arkansas 1 office in Memphis 775 Ridge Lake Blvd, Memphis, TN 38120 A+5.0 ★Texas Ratio: 3.75%	Conventional	11	0.2%	100%	$165,000	View
Guaranty Bank & Trust Company 2 offices in Memphis 4894 Poplar Avenue, Memphis, TN 38117 A-5.0 ★Texas Ratio: 14.15%	Conventional, FHA, Jumbo	10	0.2%	83.3%	$368,000	View
Story Bank DBA Story Financial Partners 1 office in Memphis 1661 Aaron Brenner Dr, Memphis, TN 38120 A+5.0 ★Texas Ratio: 0.03%	Conventional	6	0.1%	100%	$361,666	View
Servisfirst Bank 1 office in Memphis 5384 Poplar Avenue, Memphis, TN 38119 A5.0 ★Texas Ratio: 8.75%	Conventional, HELOC	2 +1 HELOCs	0%	100%	$455,000	View
Huntington National Bank 5 offices in Memphis A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0%	50%	$95,000	View
Community Mortgage Corporation 1007 Us Highway 45 N, Henderson, TN 38340	Conventional, FHA, VA	299	5%	97.4%	$250,618
Bartlett Mortgage Inc. 3196 Austin Peay Hwy, Memphis, TN 38128 A-4.9 ★Texas Ratio: 16.60%	Conventional, FHA, VA	72	1.2%	96.2%	$221,388	View
Commercial Bank & Trust Company 2000 Union Ave, Memphis, TN 38104 A+5.0 ★Texas Ratio: 0.99%	Conventional, Jumbo	68	1.1%	89.5%	$210,588	View
Leaders Credit Union 5530 Airline Rd, Arlington, TN 38002 A+5.0 ★Texas Ratio: 4.77%	Conventional, FHA, VA, HELOC	50 +24 HELOCs	0.8%	83.3%	$256,800	View
First Community Mortgage, Inc. 2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36%	Conventional, FHA, VA	41	0.7%	78.8%	$236,463	View
The Bank of Fayette County 154 E Main St, Adamsville, TN 38310 A5.0 ★Texas Ratio: 10.25%	Conventional	41	0.7%	93.3%	$173,048	View
First South Financial Federal Credit Union 209 Rawlins Service Ct, Memphis, TN 38152 A+5.0 ★Texas Ratio: 0.35%	Conventional, FHA, VA, HELOC	30 +43 HELOCs	0.5%	93.8%	$277,666	View
Brighton Bank 6489 N Quail Hollow Rd, Memphis, TN 38120 A+5.0 ★Texas Ratio: 0.40%	Conventional, FHA, VA	19	0.3%	95.2%	$237,105	View
US Bank, N.A. 929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, HELOC	14 +3 HELOCs	0.2%	40%	$185,000	View
Insouth Bank 5299 Poplar Ave, Memphis, TN 38119 B-4.3 ★Texas Ratio: 24.02%	Conventional	12	0.2%	100%	$170,833	View
Fifth Third Bank, National Association 5000 Maryland Way, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 3.22%	Conventional, VA, HELOC	5 +1 HELOCs	0.1%	70%	$257,000	View
BankTennessee 5540 Poplar Ave, Memphis, TN 38119 A+5.0 ★Texas Ratio: 4.09%	Conventional	5	0.1%	100%	$115,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 4216 Century Farms Ter, Antioch, TN 37013 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	3 +6 HELOCs	0.1%	75%	$238,333	View
Ascend Federal Credit Union 782 Old Hickory Blvd, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.35%	Conventional, HELOC	3 +1 HELOCs	0.1%	60%	$115,000	View
Citizens Savings Bank & Trust Co 7444 Winchester Rd Ste 105, Memphis, TN 38125 D3.5 ★Texas Ratio: 32.54%	Conventional	3	0.1%	100%	$105,000	View
McKenzie Banking Company 1467 W Church St, Alamo, TN 38001 A5.0 ★Texas Ratio: 9.76%	Conventional	3	0.1%	75%	$208,333	View
First National Bank of Middle Tennessee 1175 Meridian Blvd, Franklin, TN 37067 A+5.0 ★Texas Ratio: 5.43%	FHA, VA	3	0.1%	100%	$265,000	View
Fortera Federal Credit Union 2050 Lowes Dr, Clarksville, TN 37040 1620 A+5.0 ★Texas Ratio: 3.76%	Conventional, HELOC	2 +3 HELOCs	0%	66.7%	$40,000	View
American Mortgage Services Inc 3741 Winchester Rd, Memphis, TN 38118 A+5.0 ★Texas Ratio: 4.14%	FHA	2	0%	100%	$240,000	View
First Ciitizens Bank and Trust 1611 Gunbarrel Rd, Chattanooga, TN 37421 A5.0 ★Texas Ratio: 7.72%	Conventional	2	0%	100%	$340,000	View
Old National Bank 106 Washington Ave, Athens, TN 37303 A+5.0 ★Texas Ratio: 4.98%	Conventional	1	0%	100%	$605,000	View
Southeast Financial Credit Union 1878 Congress Pkwy S, Athens, TN 37303 A+5.0 ★Texas Ratio: 0.98%	Conventional	1	0%	100%	$135,000	View
Eastman Credit Union 1911 Highway 394, Blountville, TN 37617 5349 A+5.0 ★Texas Ratio: 1.56%	Conventional	1	0%	100%	$215,000	View
TEN Credit Union 1281 S Walnut Ave, Cookeville, TN 38501 5963	Conventional	1	0%	100%	$125,000
First National Bank 150 W Main St, Gallatin, TN 37066 A+5.0 ★Texas Ratio: 1.33%	Conventional	1	0%	100%	$405,000	View
Community Bank 1007 Us Highway 45 N, Henderson, TN 38340 A+5.0 ★Texas Ratio: 5.60%	Conventional	1	0%	100%	$75,000	View
Security Bank and Trust Company 12625 Highway 79 N, Buchanan, TN 38222 A+5.0 ★Texas Ratio: 0.12%	Conventional	1	0%	100%	$175,000	View
United Community Bank 1087 Hunters Xing, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 2.97%	FHA	1	0%	100%	$175,000	View
Republic Bank & Trust 101 Creekside Xing, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.91%	Conventional	1	0%	100%	$175,000	View
Centennial Bank 119 Main Street, Adamsville, TN 38310 A+5.0 ★Texas Ratio: 3.14%	Conventional	1	0%	100%	$135,000	View
Mortgage Investors Group	Conventional, FHA	86	1.5%	95.6%	$281,162
Ut Federal Credit Union	Conventional	9	0.2%	90%	$162,777
Churchill Mortgage Corporation	Conventional, FHA	6	0.1%	100%	$265,000
Acopia, LLC	FHA	2	0%	100%	$235,000
Truxton Trust (fka Nashville B&T)	Conventional, Jumbo	1	0%	100%	$875,000
Tennessee Valley Federal C U	Conventional	1	0%	100%	$65,000
21St Mortgage	Conventional	1	0%	28.6%	$145,000
Rocket Mortgage A+5.0 ★Texas Ratio: 2.03%	Conventional, FHA, VA, Jumbo, HELOC	459 +1 HELOCs	7.7%	71.4%	$175,849	View
United Wholesale Mortgage	Conventional, FHA, VA	291	4.9%	75.4%	$259,123
Cadence Bank	Conventional, FHA, VA, Jumbo, HELOC	224 +53 HELOCs	3.8%	86.4%	$250,580
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	181 +4 HELOCs	3.1%	88.3%	$213,674
Mortgage Research Center	Conventional, FHA, VA	128	2.2%	65%	$255,937
Freedom Mortgage Corporation	Conventional, FHA, VA	122	2.1%	84.7%	$235,737
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	113 +36 HELOCs	1.9%	55.9%	$198,628
New American Funding, LLC.	Conventional, FHA, VA, Jumbo, HELOC	105 +1 HELOCs	1.8%	78.4%	$180,142
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	92 +3 HELOCs	1.6%	89.5%	$241,195
Pennymac Loan Services LLC	Conventional, FHA, VA	87	1.5%	83.5%	$240,172
loanDepot.com LLC	Conventional, FHA, VA, Jumbo	72	1.2%	62%	$195,277
Everett Financial, Inc.	Conventional, FHA, VA	62	1%	93.9%	$204,677
Newrez LLC	Conventional, FHA, VA	61	1%	36.7%	$176,147
Nationstar Mortgage	Conventional, FHA, VA	58	1%	78%	$123,103
Stockton Mortgage Corporation	Conventional, FHA, VA	46	0.8%	81.4%	$206,521
Amerisave Mortgage Company	Conventional, FHA, VA, HELOC	43 +1 HELOCs	0.7%	18.4%	$138,023
Primelending	Conventional, FHA, VA	39	0.7%	89.1%	$202,179
Nations Lending Corporation	Conventional, FHA, VA	38	0.6%	93%	$214,473
Carrington Mortgage Services LLC	Conventional, FHA, VA	36	0.6%	36.2%	$157,777
Equity Prime Mortgage LLC	FHA, VA	34	0.6%	70%	$210,882
Provident Funding Associates	Conventional	33	0.6%	97.4%	$267,727
Goodleap, LLC	Conventional, FHA, HELOC	32 +22 HELOCs	0.5%	66.1%	$147,500
Mutual of Omaha Mortgage	Conventional, FHA, VA, Jumbo	32	0.5%	71.4%	$255,312
Hope Federal Credit Union	Conventional, FHA, VA	32	0.5%	58.2%	$134,687
Mortgage Financial Services	Conventional, FHA	28	0.5%	100%	$223,928
American Pacific Mortgage Corporation	Conventional, FHA, VA	26	0.4%	75%	$180,000
Directions Equity, LLC	Conventional, FHA, VA	24	0.4%	96.3%	$239,583
Paramount Residential Mortgage	Conventional, FHA, VA	23	0.4%	88.5%	$182,391
Premier Mortgage Resources, LLC	Conventional, FHA, VA	22	0.4%	88%	$184,545
T2 Financial LLC	Conventional, FHA, VA	21	0.4%	91.3%	$266,428
Sun West Mortgage Company, Inc	Conventional, FHA, VA	20	0.3%	81.2%	$224,500
Southwest Funding LP	Conventional, FHA	20	0.3%	87.5%	$216,000
Cornerstone First Mortgage, LLC	Conventional, FHA, VA	19	0.3%	90.5%	$247,105
Click n' Close, Inc.	Conventional, FHA	18	0.3%	90%	$127,777
Cardinal Financial Company, Li	Conventional, FHA	18	0.3%	82.6%	$160,555
Union Home Mortgage Corp.	Conventional, FHA	17	0.3%	94.4%	$249,117
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	16	0.3%	41.5%	$254,375
Guild Mortgage Company	Conventional, FHA, VA	16	0.3%	84.2%	$170,625
Spring Eq, LLC	Conventional, HELOC	15 +6 HELOCs	0.3%	36.4%	$74,333
American Financial Resources LLC	Conventional, FHA	15	0.3%	83.3%	$250,333
Royal United Mortgage LLC	Conventional, FHA	15	0.3%	59.3%	$109,000
American Financial Network, Inc.	Conventional, FHA, VA	15	0.3%	75%	$243,000
Bank of Holly Springs C+4.2 ★Texas Ratio: 24.96%	Conventional	15	0.3%	100%	$188,333	View
Zillow Home Loans, LLC	Conventional, FHA	14	0.2%	93.3%	$220,714
Geneva Financial LLC	Conventional	13	0.2%	100%	$138,076
New Day Financial, LLC.	VA	13	0.2%	36.4%	$200,384
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	13	0.2%	56.5%	$255,769	View
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	12	0.2%	92.9%	$246,666	View
AmeriHome Mortgage Company, LLC	Conventional, FHA, VA	11	0.2%	73.3%	$230,454
PHH Mortgage Corporation	Conventional, FHA, VA	11	0.2%	78.6%	$135,000
Securitynational Mortgage Company	Conventional, FHA, VA	11	0.2%	68.8%	$167,727
Hometown Equity Mortgage, LLC	Conventional, FHA, VA	11	0.2%	61.1%	$206,818
Towne Mortgage Company	Conventional, FHA, VA	11	0.2%	85.7%	$233,181
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	11	0.2%	73.3%	$125,909	View
Reliance First Capital, LLC	Conventional, FHA, VA	11	0.2%	100%	$163,181
Village Capital & Investment	FHA, VA	11	0.2%	54.3%	$252,272
Cmg Mortgage Inc	Conventional, FHA, VA, HELOC	10 +3 HELOCs	0.2%	100%	$286,000
First Citizens National Bank	Conventional, HELOC	10 +3 HELOCs	0.2%	85.7%	$232,000
FirstTrust Home Loans	Conventional, FHA	10	0.2%	100%	$124,000
Movement Mortgage, LLC	Conventional, FHA	9	0.2%	71.4%	$193,888
Discover Bank	Conventional	9	0.2%	14.8%	$86,111
Planet Home Lending, LLC	FHA, VA	9	0.2%	69.2%	$261,666
Mortgage Solutions of Colorado	FHA, VA	9	0.2%	84.6%	$239,444
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	9	0.2%	81.8%	$258,333
Bank of England A5.0 ★Texas Ratio: 6.45%	Conventional, FHA	8	0.1%	100%	$250,000	View
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, FHA, VA, Jumbo, HELOC	7 +23 HELOCs	0.1%	100%	$447,857	View
Acrisure Mortgage, LLC	FHA, VA	7	0.1%	100%	$335,000
AdvantageFirst Lending Inc	Conventional, FHA, VA	7	0.1%	87.5%	$279,285
Wolfe Financial Inc	Conventional, FHA, VA	7	0.1%	70%	$257,857
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, Jumbo	7	0.1%	77.8%	$379,285	View
Genway Home Mortgage, Inc.	Conventional, FHA	7	0.1%	100%	$145,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	7	0.1%	100%	$663,571	View
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	7	0.1%	100%	$167,857	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, FHA, VA	7	0.1%	77.8%	$265,000	View
Better Mortgage Corporation	Conventional, Jumbo, HELOC	5 +6 HELOCs	0.1%	29.4%	$425,000
Lower, LLC	Conventional, FHA, HELOC	5 +1 HELOCs	0.1%	100%	$135,000
Kind Lending, LLC	Conventional, FHA, VA	5	0.1%	62.5%	$285,000
United Trust Bank	FHA, VA	5	0.1%	100%	$191,000
Sierra Pacific Mortgage Co. Inc	Conventional	5	0.1%	100%	$135,000
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional, Jumbo	5	0.1%	83.3%	$455,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	5	0.1%	71.4%	$193,000	View
Eagle Bank and Trust Company A+5.0 ★Texas Ratio: 1.39%	Conventional	5	0.1%	100%	$293,000	View
EMM Loans LLC	FHA	4	0.1%	80%	$330,000
Alliant Credit Union	Conventional, FHA	4	0.1%	100%	$422,500
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, FHA	4	0.1%	66.7%	$207,500	View
TruHome Solutions, LLC	FHA	4	0.1%	80%	$215,000
Guidance Residential, LLC	Conventional	4	0.1%	100%	$217,500
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 0.86%	Conventional	4	0.1%	40%	$122,500	View
Southern Bancorp Bank A5.0 ★Texas Ratio: 8.01%	Conventional	4	0.1%	81.8%	$170,000	View
Synergy One Lending, Inc.	Conventional	4	0.1%	100%	$127,500
Oceanside Mortgage Company	FHA	4	0.1%	100%	$175,000
ClearPath Lending	VA	4	0.1%	66.7%	$232,500
SIRVA Mortgage, Inc.	Conventional	4	0.1%	88.9%	$325,000
Nfm, Inc	Conventional, FHA	4	0.1%	80%	$187,500
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	4	0.1%	66.7%	$292,500	View
Bankplus A+5.0 ★Texas Ratio: 4.80%	Conventional	4	0.1%	100%	$252,500	View
Pentagon Federal Credit Union	Conventional, FHA, HELOC	3 +3 HELOCs	0.1%	60%	$225,000
Liberty Federal Credit Union	Conventional	3	0.1%	100%	$218,333
Primary Residential Mortgage, INC.	Conventional, FHA	3	0.1%	50%	$131,666
Success Lending, LLC	Conventional, FHA	3	0.1%	100%	$141,666
Sage Home Loans Corporation	Conventional, FHA	3	0.1%	60%	$298,333
Envoy Mortgage, Ltd	Conventional, FHA	3	0.1%	100%	$235,000
All Credit Considered Mortgage, Inc.	Conventional	3	0.1%	100%	$225,000
Liberty Bank	Conventional, FHA	3	0.1%	42.9%	$108,333
Loanunited.Com, LLC	FHA, VA	3	0.1%	42.9%	$305,000
Filo Mortgage, LLC	Conventional, FHA	3	0.1%	100%	$298,333
AmWest Funding Corp	Conventional	3	0.1%	100%	$351,666
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional	3	0.1%	62.5%	$388,333	View
Obsidian Financial Services	FHA, VA	3	0.1%	100%	$215,000
First Alliance Home Mortgage, LLC	Conventional	3	0.1%	100%	$381,666
American Financing Corporation	Conventional	3	0.1%	21.1%	$225,000
First Colony Mortgage Corporat	Conventional, FHA	3	0.1%	80%	$181,666
Stg Mortgage Inc	Conventional	3	0.1%	100%	$288,333
Beeline Loans, Inc.	Conventional	3	0.1%	100%	$145,000
SouthStar Bank SSB ★ 5 stars, 1 review A5.0 ★Texas Ratio: 7.03%	Conventional	3	0.1%	100%	$98,333	View
Milend, Inc A5.0 ★Texas Ratio: 8.17%	FHA	3	0.1%	33.3%	$308,333	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	3	0.1%	100%	$201,666	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	3	0.1%	75%	$308,333	View
Top Flite Financial, Inc.	FHA	3	0.1%	100%	$158,333
HomeBridge Financial Services, Inc	FHA, VA, HELOC	2 +10 HELOCs	0%	42.9%	$200,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +5 HELOCs	0%	50%	$115,000	View
The Loan Store, Inc	Conventional, FHA, HELOC	2 +3 HELOCs	0%	66.7%	$205,000
Polaris Home Funding Corp.	FHA	2	0%	100%	$120,000
Guaranteed Rate Affinity, LLC	Conventional	2	0%	66.7%	$465,000
Keypoint Credit Union	Conventional	2	0%	100%	$105,000
MidFirst Bank A+5.0 ★Texas Ratio: 4.93%	FHA	2	0%	100%	$70,000	View
SWBC Mortgage Corporation	FHA	2	0%	100%	$375,000
MortgageOne, Inc	Conventional, FHA	2	0%	100%	$130,000
AAA Capital Investment, Inc	Conventional	2	0%	100%	$120,000
Nbkc Bank	Conventional, FHA	2	0%	100%	$305,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0%	33.3%	$150,000	View
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	2	0%	100%	$435,000	View
Capital City Home Loans, LLC	Conventional	2	0%	100%	$100,000
Home Mortgage Alliance Corp (Hmac)	Conventional	2	0%	100%	$600,000
General Mortgage Capital Corporation	Conventional	2	0%	100%	$155,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional, FHA	2	0%	100%	$180,000	View
Michigan Mutual, Inc	Conventional, FHA	2	0%	100%	$80,000
Nqm Funding, LLC	Conventional	2	0%	100%	$500,000
Das Acquisition Company, LLC	Conventional	2	0%	100%	$170,000
Flexpoint, Inc.	Conventional	2	0%	83.3%	$130,000
Flat Branch Mortgage, Inc.	Conventional, FHA	2	0%	100%	$120,000
Ony Glo, Inc.	FHA	2	0%	100%	$310,000
Hsbc Bank USA, NA A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo	2	0%	100%	$590,000	View
Southern Trust Mortgage, LLC A4.7 ★Texas Ratio: 0.83%	Conventional, FHA	2	0%	100%	$265,000	View
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	2	0%	100%	$200,000	View
Baxter Credit Union	Conventional	2	0%	100%	$205,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	2	0%	100%	$425,000	View
First Western Federal Savings Bank A+5.0 ★Texas Ratio: 5.16%	Conventional	2	0%	100%	$95,000	View
Mission Loans, LLC	Conventional	2	0%	100%	$170,000
Sente Mortgage, Inc.	FHA	2	0%	100%	$180,000
Geo-Corp, Inc.	FHA	2	0%	100%	$160,000
RoundPoint Mortgage Servicing LLC	Conventional	2	0%	100%	$135,000
Nations Direct Mortgage, LLC	FHA	2	0%	66.7%	$270,000
Summit Funding.Inc	Conventional, FHA	2	0%	66.7%	$115,000
First Security Bank A+5.0 ★Texas Ratio: 4.91%	Conventional	2	0%	100%	$100,000	View
Fairway Independent Mort Corp	Conventional, FHA	2	0%	100%	$245,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo	2	0%	100%	$915,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	2	0%	50%	$275,000	View
Plaza Home Mortgage, Inc	Conventional, VA	2	0%	40%	$280,000
Ark-La-Tex Financial Services LLC	Conventional, FHA	2	0%	100%	$305,000
Champions Funding, LLC	Conventional, Jumbo	2	0%	40%	$650,000
American Neighborhood Mortgage Acceptance Company	FHA, VA	2	0%	100%	$255,000
Redstone Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0%	100%	$275,000
American Airlines Federal Cred	Conventional, HELOC	1 +1 HELOCs	0%	100%	$565,000
Fourleaf Federal Credit Union	FHA, HELOC	1 +1 HELOCs	0%	100%	$115,000
Valon Mortgage	Conventional, HELOC	1 +1 HELOCs	0%	100%	$165,000
Umb Bank NA A+5.0 ★Texas Ratio: 1.78%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$725,000	View
State Employees' Credit Union	Conventional	1	0%	100%	$305,000
Genisys Credit Union	Conventional	1	0%	100%	$435,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0%	50%	$185,000	View
Devon Bank B+4.0 ★Texas Ratio: 2.09%	Conventional	1	0%	100%	$265,000	View
Msu Federal Credit Union	Conventional	1	0%	100%	$235,000
HomePromise Corporation	VA	1	0%	50%	$285,000
Atlantic Coast Mortgage, LLC	Conventional	1	0%	100%	$445,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	1	0%	100%	$955,000	View
First Bank A+5.0 ★Texas Ratio: 2.49%	Conventional	1	0%	100%	$245,000	View
Contour Mortgage Corporation	FHA	1	0%	100%	$115,000
Canopy Mortgage, LLC	FHA	1	0%	100%	$335,000
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	FHA	1	0%	100%	$315,000	View
Citizens National Bank of Meridian	FHA	1	0%	100%	$135,000
Loansteady LLC	FHA	1	0%	100%	$265,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0%	100%	$205,000	View
Infinity Equity Group, Inc.	Conventional	1	0%	100%	$175,000
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0%	100%	$65,000	View
Deephaven Mortgage LLC	Conventional	1	0%	50%	$315,000
PriorityOne Bank A5.0 ★Texas Ratio: 12.03%	Conventional	1	0%	100%	$235,000	View
Southern Bank A5.0 ★Texas Ratio: 6.11%	Conventional	1	0%	100%	$125,000	View
Homestead Funding Corp.	Conventional	1	0%	100%	$295,000
Guaranty Mortgage Services, LLC A+5.0 ★Texas Ratio: 3.97%	Conventional	1	0%	100%	$195,000	View
Valley West Corporation	VA	1	0%	100%	$185,000
Bay-Valley Mortgage Group	Conventional	1	0%	100%	$295,000
Success Mortgage Partners, Inc	VA	1	0%	100%	$165,000
City 1st Mortgage Services, LC	VA	1	0%	100%	$395,000
First State Mortgage Services	Conventional	1	0%	100%	$175,000
Intercap Lending Inc	Conventional	1	0%	100%	$95,000
Credit Union Mortgage Associat A+5.0 ★Texas Ratio: 3.45%	Conventional	1	0%	100%	$275,000	View
New Wave Lending Group Inc	Conventional	1	0%	100%	$245,000
Bank Fund Staff Federal Credit	Conventional	1	0%	100%	$715,000
Ez Fundings Inc	FHA	1	0%	100%	$115,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	1	0%	100%	$205,000	View
Credit Union 1	Conventional	1	0%	50%	$295,000
Strong Home Mortgage, LLC	FHA	1	0%	100%	$385,000
Mid-Continent Funding, Inc.	VA	1	0%	66.7%	$215,000
American Heritage Lending, LLC	Conventional	1	0%	100%	$145,000
Chevron Federal Credit Union	Conventional	1	0%	100%	$155,000
Greenbox Loans	Conventional	1	0%	100%	$265,000
Ameritrust Mortgage Corporation	FHA	1	0%	100%	$225,000
American Internet Mortgage, Inc.	Conventional	1	0%	100%	$315,000
Servis One, Inc	FHA	1	0%	50%	$355,000
Premier Lending Inc.	Conventional	1	0%	100%	$165,000
Axos Bank A+5.0 ★Texas Ratio: 3.94%	Conventional	1	0%	100%	$105,000	View
Peoples Mortgage Company	VA	1	0%	100%	$695,000
Greenway Mortgage Funding Corp.	Conventional	1	0%	100%	$135,000
Warsaw Federal Savings and Loan Association A5.0 ★Texas Ratio: 10.25%	Conventional	1	0%	100%	$95,000	View
Nicolet National Bank A+5.0 ★Texas Ratio: 2.28%	Conventional	1	0%	100%	$345,000	View
Legacy National Bank A+5.0 ★Texas Ratio: 1.48%	Conventional, Jumbo	1	0%	100%	$1,245,000	View
Wright Patt Credit Union Inc	Conventional	1	0%	100%	$465,000
Community First National Bank A+5.0 ★Texas Ratio: 1.41%	Conventional	1	0%	100%	$135,000	View
Union Savings Bank	Conventional	1	0%	50%	$355,000
Peoples Bank B4.4 ★Texas Ratio: 21.68%	FHA	1	0%	100%	$435,000	View
Nasa Federal Credit Union	Conventional	1	0%	100%	$45,000
Midland States Bank A5.0 ★Texas Ratio: 9.50%	Conventional	1	0%	100%	$75,000	View
First Federal Bank A+5.0 ★Texas Ratio: 2.80%	Conventional	1	0%	100%	$555,000	View
Southstate Bank, National Association ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 2.27%	Conventional	1	0%	100%	$315,000	View
Tjc Mortgage Inc	VA	1	0%	100%	$405,000
Uif Corporation	Conventional	1	0%	100%	$345,000
Amres Corporation ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0%	100%	$135,000	View
V.I.P. Mortgage, Inc.	FHA	1	0%	50%	$145,000
Endeavor Capital, LLC	FHA	1	0%	50%	$135,000
Citadel Servicing Corporation	Conventional	1	0%	100%	$375,000
WSFS bank A+5.0 ★Texas Ratio: 3.10%	Conventional	1	0%	100%	$395,000	View
Merchants Bank of Indiana A5.0 ★Texas Ratio: 11.97%	Conventional	1	0%	100%	$325,000	View
Gmfs, LLC	Conventional	1	0%	100%	$385,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	1	0%	100%	$1,075,000	View
State Departmenet Federal Credit Union	Conventional	1	0%	100%	$25,000
Toyota Financial Savings Bank	Conventional	1	0%	100%	$205,000

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.

Memphis 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 Memphis, Tennessee

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

Types of Mortgage Lenders in Memphis, TN

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

Mortgage companies and brokers 159 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 109 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 32 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 147 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 90 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 28 lenders. Loans above the conforming limit for higher priced homes Local lenders based in TN 41 lenders headquartered in Tennessee, the closest thing to a mortgage lender near you

Who Lends in Memphis, TN

Independent mortgage companies closed 53.5 percent of home loans in Memphis, Tennessee in 2025, banks 38.9 percent and credit unions 7.6 percent. Community Mortgage Corporation was the largest mortgage company, Pinnacle Bank the largest bank and Orion Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, Pinnacle Bank led with 343 loans.

53.5%

Mortgage companies

38.9%

Banks

7.6%

Credit unions

29%

FHA loans

10%

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 Knoxville 334 lenders Murfreesboro 287 lenders Chattanooga 310 lenders Franklin 258 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 Memphis, TN

Who is the largest mortgage lender in Memphis, TN?

By home loans closed in 2025, Pinnacle Bank was the largest mortgage lender in Memphis, Tennessee with 343 loans, about 5.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Memphis, Tennessee, Financial Federal Bank approved the highest share of completed applications in 2025 at 99 percent, against a 74.2 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 Memphis, TN mortgage lenders offer FHA, VA and USDA loans?

147 lenders closed FHA loans in Memphis, Tennessee in 2025, led by United Wholesale Mortgage with 139. 90 lenders closed VA loans, led by Mortgage Research Center. 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 Memphis, TN lender list?

Yes. 109 banks and 32 credit unions closed home loans in Memphis, Tennessee in 2025, alongside 159 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 Memphis, TN ranked on this page?

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