Mortgage Lenders and Brokers in Monterey, 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
Monterey, Tennessee mortgage lenders include One Bank of TennesseeOne Bank of Tennessee408 E Stratton Ave, Monterey, TN 38574A+5.0 ★Texas Ratio: 0.10%, Wellworth BankWellworth Bank100 N Public Sq, Alexandria, TN 37012A5.0 ★Texas Ratio: 9.78%, First Community Mortgage, Inc.First Community Mortgage, Inc.2681 Boones Creek Rd, Johnson City, TN 37615A+5.0 ★Texas Ratio: 3.36%, Builtwell BankBuiltwell Bank210 E Commercial Ave, Monterey, TN 38574A+5.0 ★Texas Ratio: 2.72%, Bank of America NABank of America NA6186 Stage Rd, Bartlett, TN 38134A+5.0 ★Texas Ratio: 4.14%, First National Bank of Middle TennesseeFirst National Bank of Middle Tennessee1175 Meridian Blvd, Franklin, TN 37067A+5.0 ★Texas Ratio: 5.43%, CU Community, LLCCU Community, LLC1007 Us Highway 45 N, Henderson, TN 38340, Wilson Bank and TrustWilson Bank and Trust306 Brush Creek Rd, Alexandria, TN 37012A+5.0 ★Texas Ratio: 4.75%, Citizens BankCitizens Bank844 Volunteer Pkwy, Bristol, TN 37620A5.0 ★Texas Ratio: 6.25%, and SmartbankSmartbank109 Associates Blvd, Alcoa, TN 37701A+5.0 ★Texas Ratio: 1.74%. 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 Monterey, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Monterey 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 Monterey, Tennessee
Market share is the lender's share of all home loans closed in Monterey, 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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2 offices in Monterey 408 E Stratton Ave, Monterey, TN 38574 A+5.0 ★Texas Ratio: 0.10% |
Conventional | 30 | 31.2% | 96.8% | $129,666 | View |
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100 N Public Sq, Alexandria, TN 37012 A5.0 ★Texas Ratio: 9.78% |
Conventional, HELOC | 1 +1 HELOCs |
1% | 100% | $15,000 | View |
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2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 1% | 100% | $295,000 | View |
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210 E Commercial Ave, Monterey, TN 38574 A+5.0 ★Texas Ratio: 2.72% |
Conventional | 1 | 1% | 50% | $105,000 | View |
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6186 Stage Rd, Bartlett, TN 38134 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 1% | 100% | $445,000 | View |
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1175 Meridian Blvd, Franklin, TN 37067 A+5.0 ★Texas Ratio: 5.43% |
FHA | 1 | 1% | 100% | $125,000 | View |
CU Community, LLC
1007 Us Highway 45 N, Henderson, TN 38340 |
Conventional | 1 | 1% | 100% | $105,000 | |
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306 Brush Creek Rd, Alexandria, TN 37012 A+5.0 ★Texas Ratio: 4.75% |
Conventional | 1 | 1% | 100% | $165,000 | View |
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844 Volunteer Pkwy, Bristol, TN 37620 A5.0 ★Texas Ratio: 6.25% |
Conventional | 1 | 1% | 100% | $175,000 | View |
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109 Associates Blvd, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 1.74% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1087 Hunters Xing, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 2.97% |
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 | |
CedarStone Bank
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Conventional, Jumbo | 1 | 1% | 100% | $825,000 | |
21St Mortgage
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Conventional | 1 | 1% | 50% | $175,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 1% | 100% | $165,000 | |
United Wholesale Mortgage
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Conventional, VA | 6 | 6.2% | 100% | $303,333 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional | 5 | 5.2% | 75% | $183,000 | View |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 5 | 5.2% | 100% | $287,000 | |
Farm Credit Mid-America, Aca
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Conventional, Jumbo | 4 | 4.2% | 100% | $610,000 | |
Mortgage Research Center
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VA, Jumbo | 3 | 3.1% | 100% | $718,333 | |
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A+5.0 ★Texas Ratio: 3.97% |
Conventional, FHA | 2 | 2.1% | 100% | $295,000 | View |
Das Acquisition Company, LLC
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Conventional | 2 | 2.1% | 100% | $260,000 | |
VanDyk Mortgage Corporation
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FHA | 2 | 2.1% | 100% | $345,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 2 | 2.1% | 100% | $210,000 | |
Southwest Stage Funding LLC
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Conventional, FHA | 2 | 2.1% | 100% | $295,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 2 | 2.1% | 100% | $170,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 2 | 2.1% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 1% | 100% | $195,000 | View |
American Financial Resources LLC
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FHA | 1 | 1% | 100% | $125,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 1% | 100% | $505,000 | |
Freedom Mortgage Corporation
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VA | 1 | 1% | 100% | $385,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 1% | 100% | $245,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1% | 33.3% | $175,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 1% | 100% | $65,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 1% | 100% | $565,000 | |
Click n' Close, Inc.
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VA | 1 | 1% | 100% | $655,000 | |
Weichert Financial Services
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Conventional | 1 | 1% | 100% | $545,000 | |
Georgia United Credit Union
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Conventional | 1 | 1% | 100% | $235,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 1% | 100% | $85,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 1% | 100% | $255,000 | |
Iserve Residential Lending
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Conventional | 1 | 1% | 100% | $135,000 | |
New American Funding, LLC.
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FHA | 1 | 1% | 100% | $305,000 | |
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C-3.6 ★Texas Ratio: 31.27% |
FHA | 1 | 1% | 100% | $475,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 1% | 33.3% | $365,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1% | 100% | $125,000 | View |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Monterey 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 Monterey, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Monterey? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Monterey in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Monterey, TN
Use these to narrow the list above. Each category shows how many Monterey, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Monterey, TN
Independent mortgage companies closed 52.1 percent of home loans in Monterey, Tennessee in 2025, banks 42.7 percent and credit unions 5.2 percent. 21St Mortgage was the largest mortgage company, One Bank of Tennessee the largest bank and CU Community, LLC the largest credit union. Among lenders headquartered in Tennessee, One Bank of Tennessee led with 30 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 Monterey, TN
By home loans closed in 2025, One Bank of Tennessee was the largest mortgage lender in Monterey, Tennessee with 30 loans, about 31.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Monterey, Tennessee in 2025, led by VanDyk Mortgage Corporation with 2. 7 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.
Yes. 15 banks and 5 credit unions closed home loans in Monterey, Tennessee in 2025, alongside 26 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 Monterey, 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 Monterey, 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 Monterey. 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.
