Mortgage Lenders and Brokers in Ridgetop, 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
Ridgetop, Tennessee mortgage lenders include The Farmers BankThe Farmers Bank1765 Hwy 41 South, Ridgetop, TN 37152, Edmonton State BankEdmonton State Bank250 W Broadway, Gallatin, TN 37066A+5.0 ★Texas Ratio: 2.16%, Old National BankOld National Bank106 Washington Ave, Athens, TN 37303A+5.0 ★Texas Ratio: 4.98%, Volunteer BankVolunteer Bank214 Centerview Dr, Brentwood, TN 37027A+5.0 ★Texas Ratio: 3.34%, Regions BankRegions Bank216 S Calderwood St, Alcoa, TN 37701A+5.0 ★Texas Ratio: 4.37%, Pinnacle BankPinnacle Bank5308 Mount View Rd, Antioch, TN 37013A+5.0 ★Texas Ratio: 3.04%, US Bank, N.A.US Bank, N.A.929 Bell Rd, Antioch, TN 37013A+5.0 ★Texas Ratio: 2.85%, Truist BankTruist Bank9005 Us Highway 64, Arlington, TN 38002A+5.0 ★Texas Ratio: 2.87%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA11849 Crawford Pines Dr, Arlington, TN 38002A+5.0 ★Texas Ratio: 3.68%, and Legends BankLegends Bank533 S Main St, Ashland City, TN 37015A+5.0 ★Texas Ratio: 0.00%. 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 Ridgetop, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ridgetop 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 Ridgetop, Tennessee
Market share is the lender's share of all home loans closed in Ridgetop, 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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The Farmers Bank
1765 Hwy 41 South, Ridgetop, TN 37152 |
Conventional | 5 | 4.4% | 83.3% | $533,000 | |
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250 W Broadway, Gallatin, TN 37066 A+5.0 ★Texas Ratio: 2.16% |
Conventional | 4 | 3.5% | 100% | $535,000 | View |
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106 Washington Ave, Athens, TN 37303 A+5.0 ★Texas Ratio: 4.98% |
Conventional, VA, USDA | 3 | 2.7% | 100% | $488,333 | View |
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214 Centerview Dr, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 3 | 2.7% | 100% | $155,000 | View |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 2 +4 HELOCs |
1.8% | 100% | $215,000 | View |
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5308 Mount View Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 2 | 1.8% | 100% | $415,000 | 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% | $205,000 | View |
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★ 1 stars, 1 review 9005 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $325,000 | View |
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11849 Crawford Pines Dr, Arlington, TN 38002 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.9% | 100% | $355,000 | View |
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533 S Main St, Ashland City, TN 37015 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.9% | 100% | $345,000 | View |
CU Community, LLC
1007 Us Highway 45 N, Henderson, TN 38340 |
Conventional | 1 | 0.9% | 100% | $65,000 | |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
Conventional | 1 | 0.9% | 100% | $395,000 | View |
Cornerstone Financial Credit Union
2100 Trenton rd, Clarksville, TN 37040 1609 |
Conventional | 1 | 0.9% | 100% | $125,000 | |
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6186 Stage Rd, Bartlett, TN 38134 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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5810 Airline Rd, Arlington, TN 38002 A+5.0 ★Texas Ratio: 5.33% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1087 Hunters Xing, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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5000 Maryland Way, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 4216 Century Farms Ter, Antioch, TN 37013 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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782 Old Hickory Blvd, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.35% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Acopia, LLC
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Conventional, FHA | 2 | 1.8% | 100% | $315,000 | |
Legacy Home Loans, LLC
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Conventional | 2 | 1.8% | 100% | $300,000 | |
Tennessee Trust Mortgage, Inc.
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Conventional | 1 | 0.9% | 100% | $335,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $465,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional | 15 | 13.3% | 84.2% | $264,333 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 11 | 9.7% | 91.7% | $406,818 | |
FirstTrust Home Loans
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Conventional, FHA | 5 | 4.4% | 100% | $301,000 | |
Cmg Mortgage Inc
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Conventional, FHA, VA | 4 | 3.5% | 100% | $525,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 3 | 2.7% | 100% | $261,666 | |
Pennymac Loan Services LLC
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FHA | 3 | 2.7% | 75% | $341,666 | |
Mortgage Research Center
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VA | 3 | 2.7% | 75% | $345,000 | |
Primary Residential Mortgage, INC.
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Conventional | 2 | 1.8% | 100% | $300,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 1.8% | 50% | $300,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 1.8% | 100% | $350,000 | |
PHH Mortgage Corporation
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Conventional | 2 | 1.8% | 100% | $215,000 | |
SIRVA Mortgage, Inc.
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Conventional | 2 | 1.8% | 100% | $425,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 1.8% | 100% | $225,000 | View |
New American Funding, LLC.
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Conventional | 2 | 1.8% | 100% | $345,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 2 | 1.8% | 66.7% | $195,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.9% | 100% | $455,000 | View |
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A-4.9 ★Texas Ratio: 16.48% |
USDA | 1 | 0.9% | 100% | $285,000 | View |
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A+5.0 ★Texas Ratio: 4.27% |
Conventional | 1 | 0.9% | 100% | $335,000 | View |
Amerisave Mortgage Company
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Conventional | 1 | 0.9% | 33.3% | $45,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.9% | 100% | $505,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.9% | 100% | $265,000 | |
Eustis Mortgage Corp
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Conventional | 1 | 0.9% | 100% | $195,000 | |
Discover Bank
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Conventional | 1 | 0.9% | 100% | $205,000 | |
American Financing Corporation
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FHA | 1 | 0.9% | 100% | $355,000 | |
Nfm, Inc
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FHA | 1 | 0.9% | 100% | $385,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.9% | 100% | $585,000 | |
Altra Federal Credit Union
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Conventional | 1 | 0.9% | 100% | $225,000 | |
Nations Lending Corporation
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Conventional | 1 | 0.9% | 100% | $265,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $565,000 | |
Endeavor Capital, LLC
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FHA | 1 | 0.9% | 100% | $325,000 | |
Purdue Federal Cu
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Conventional | 1 | 0.9% | 100% | $315,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.9% | 100% | $435,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.9% | 100% | $455,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 0.9% | 100% | $305,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.9% | 100% | $75,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
FHA | 1 | 0.9% | 100% | $655,000 | View |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Liberty Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Ridgetop 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 Ridgetop, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Ridgetop? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ridgetop in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ridgetop, TN
Use these to narrow the list above. Each category shows how many Ridgetop, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Ridgetop, TN
Independent mortgage companies closed 68.1 percent of home loans in Ridgetop, Tennessee in 2025, banks 25.7 percent and credit unions 6.2 percent. Acopia, LLC was the largest mortgage company, The Farmers Bank the largest bank and CU Community, LLC the largest credit union. Among lenders headquartered in Tennessee, The Farmers Bank 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 Ridgetop, TN
By home loans closed in 2025, The Farmers Bank was the largest mortgage lender in Ridgetop, Tennessee with 5 loans, about 4.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Ridgetop, Tennessee in 2025, led by Pennymac Loan Services LLC with 3. 8 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. 23 banks and 9 credit unions closed home loans in Ridgetop, Tennessee in 2025, alongside 35 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 Ridgetop, 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 Ridgetop, 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 Ridgetop. 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.
