Mortgage Lenders and Brokers in Spencer, 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
Spencer, Tennessee mortgage lenders include Citizens Tri County BankCitizens Tri County Bank489 Spring St, Spencer, TN 38585A5.0 ★Texas Ratio: 7.54%, FirstbankFirstbank8398 Us Highway 64, Bartlett, TN 38133A5.0 ★Texas Ratio: 7.51%, US Bank, N.A.US Bank, N.A.929 Bell Rd, Antioch, TN 37013A+5.0 ★Texas Ratio: 2.85%, Renasant BankRenasant Bank6671 Summer Ave, Bartlett, TN 38134A+5.0 ★Texas Ratio: 4.72%, Regions BankRegions Bank216 S Calderwood St, Alcoa, TN 37701A+5.0 ★Texas Ratio: 4.37%, BankTennesseeBankTennessee1917 Highway 394, Blountville, TN 37617A+5.0 ★Texas Ratio: 4.09%, One Bank of TennesseeOne Bank of Tennessee404 Main St, Baxter, TN 38544A+5.0 ★Texas Ratio: 0.10%, First National Bank of Middle TennesseeFirst National Bank of Middle Tennessee1175 Meridian Blvd, Franklin, TN 37067A+5.0 ★Texas Ratio: 5.43%, Wilson Bank and TrustWilson Bank and Trust306 Brush Creek Rd, Alexandria, TN 37012A+5.0 ★Texas Ratio: 4.75%, and Homeland Community BankHomeland Community Bank807 Beersheba Hwy, Mc Minnville, TN 37110B3.8 ★Texas Ratio: 4.23%. 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 Spencer, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Spencer 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 Spencer, Tennessee
Market share is the lender's share of all home loans closed in Spencer, 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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★ 5 stars, 1 review 1 office in Spencer 489 Spring St, Spencer, TN 38585 A5.0 ★Texas Ratio: 7.54% |
Conventional | 8 | 11.3% | 100% | $81,250 | View |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
Conventional, HELOC | 5 +1 HELOCs |
7% | 100% | $287,000 | View |
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929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 2.8% | 100% | $90,000 | View |
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6671 Summer Ave, Bartlett, TN 38134 A+5.0 ★Texas Ratio: 4.72% |
Conventional, Jumbo | 2 | 2.8% | 100% | $1,085,000 | View |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 1.4% | 50% | $25,000 | View |
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1917 Highway 394, Blountville, TN 37617 A+5.0 ★Texas Ratio: 4.09% |
Conventional, Jumbo | 1 | 1.4% | 100% | $1,205,000 | View |
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404 Main St, Baxter, TN 38544 A+5.0 ★Texas Ratio: 0.10% |
Conventional | 1 | 1.4% | 100% | $195,000 | View |
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1175 Meridian Blvd, Franklin, TN 37067 A+5.0 ★Texas Ratio: 5.43% |
Conventional | 1 | 1.4% | 100% | $205,000 | View |
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306 Brush Creek Rd, Alexandria, TN 37012 A+5.0 ★Texas Ratio: 4.75% |
Conventional | 1 | 1.4% | 100% | $325,000 | View |
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807 Beersheba Hwy, Mc Minnville, TN 37110 B3.8 ★Texas Ratio: 4.23% |
Conventional | 1 | 1.4% | 100% | $165,000 | View |
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844 Volunteer Pkwy, Bristol, TN 37620 A5.0 ★Texas Ratio: 6.25% |
Conventional | 1 | 1.4% | 100% | $25,000 | 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 +3 HELOCs |
0% | n/a | View | |
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100 N Public Sq, Alexandria, TN 37012 A5.0 ★Texas Ratio: 9.78% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
21St Mortgage
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Conventional | 1 | 1.4% | 20% | $105,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 1.4% | 100% | $95,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 7 | 9.9% | 87.5% | $219,285 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA | 7 | 9.9% | 77.8% | $185,000 | View |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA | 5 | 7% | 100% | $231,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA, USDA | 5 | 7% | 100% | $201,000 | |
Mortgage Research Center
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VA | 5 | 7% | 100% | $291,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 2.8% | 66.7% | $165,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 2 | 2.8% | 100% | $260,000 | |
VanDyk Mortgage Corporation
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Conventional | 2 | 2.8% | 100% | $140,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.4% | 33.3% | $25,000 | |
Valon Mortgage
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Conventional | 1 | 1.4% | 100% | $275,000 | |
Discover Bank
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Conventional | 1 | 1.4% | 100% | $85,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 1.4% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
VA | 1 | 1.4% | 100% | $435,000 | View |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 1.4% | 100% | $175,000 | |
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A5.0 ★Texas Ratio: 8.25% |
Conventional | 1 | 1.4% | 100% | $305,000 | View |
Farm Credit Mid-America, Aca
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Conventional | 1 | 1.4% | 100% | $55,000 | |
Southwest Stage Funding LLC
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FHA | 1 | 1.4% | 50% | $205,000 | |
Spring Eq, LLC
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Conventional | 1 | 1.4% | 100% | $65,000 |
Spencer 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 Spencer, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Spencer? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Spencer in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Spencer, TN
Use these to narrow the list above. Each category shows how many Spencer, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Spencer, TN
Independent mortgage companies closed 63.4 percent of home loans in Spencer, Tennessee in 2025, banks 36.6 percent and credit unions 0 percent. 21St Mortgage was the largest mortgage company, Citizens Tri County Bank the largest bank. Among lenders headquartered in Tennessee, Citizens Tri County Bank led with 8 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 Spencer, TN
By home loans closed in 2025, Citizens Tri County Bank was the largest mortgage lender in Spencer, Tennessee with 8 loans, about 11.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Spencer, Tennessee in 2025, led by United Wholesale Mortgage with 2. 6 lenders closed VA loans, led by Mortgage Research Center, 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. 15 banks and 0 credit unions closed home loans in Spencer, Tennessee in 2025, alongside 18 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 Spencer, 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 Spencer, 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 Spencer. 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.
