Mortgage Lenders and Brokers in Union City, 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
Union City, Tennessee mortgage lenders include Simmons BankSimmons Bank115 W Washington Ave, Union City, TN 38261A+5.0 ★Texas Ratio: 5.33%, Security Bank and Trust CompanySecurity Bank and Trust Company1491 S 1st St, Union City, TN 38261A+5.0 ★Texas Ratio: 0.12%, Regions BankRegions Bank1702 W Reelfoot Ave, Union City, TN 38261A+5.0 ★Texas Ratio: 4.37%, Commercial Bank & Trust CompanyCommercial Bank & Trust Company127 S 1st St, Union City, TN 38261A+5.0 ★Texas Ratio: 0.99%, Leaders Credit UnionLeaders Credit Union1500 S 1st St, Union City, TN 38261A+5.0 ★Texas Ratio: 4.77%, Bank3Bank3211 Bill Burnett Cir, Union City, TN 38261A+5.0 ★Texas Ratio: 0.42%, First Community Mortgage, Inc.First Community Mortgage, Inc.2681 Boones Creek Rd, Johnson City, TN 37615A+5.0 ★Texas Ratio: 3.36%, US Bank, N.A.US Bank, N.A.929 Bell Rd, Antioch, TN 37013A+5.0 ★Texas Ratio: 2.85%, Orion Federal Credit UnionOrion Federal Credit Union7845 US Highway 64, Bartlett, TN 38133 4007A+5.0 ★Texas Ratio: 2.54%, and Security BankSecurity Bank2175 Saint John Ave, Dyersburg, TN 38024A+5.0 ★Texas Ratio: 2.57%. 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 Union City, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Union City 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 Union City, Tennessee
Market share is the lender's share of all home loans closed in Union City, 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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1 office in Union City 115 W Washington Ave, Union City, TN 38261 A+5.0 ★Texas Ratio: 5.33% |
Conventional, FHA, VA, USDA, HELOC | 4 +6 HELOCs |
3% | 80% | $150,000 | View |
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1 office in Union City 1491 S 1st St, Union City, TN 38261 A+5.0 ★Texas Ratio: 0.12% |
Conventional | 4 | 3% | 100% | $107,500 | View |
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1 office in Union City 1702 W Reelfoot Ave, Union City, TN 38261 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 2 +7 HELOCs |
1.5% | 33.3% | $120,000 | View |
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127 S 1st St, Union City, TN 38261 A+5.0 ★Texas Ratio: 0.99% |
Conventional | 27 | 20.5% | 100% | $120,925 | View |
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1500 S 1st St, Union City, TN 38261 A+5.0 ★Texas Ratio: 4.77% |
Conventional, FHA, USDA, HELOC | 15 +4 HELOCs |
11.4% | 83.3% | $138,333 | View |
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211 Bill Burnett Cir, Union City, TN 38261 A+5.0 ★Texas Ratio: 0.42% |
Conventional, FHA | 6 | 4.5% | 100% | $173,333 | View |
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2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA, USDA | 4 | 3% | 100% | $170,000 | View |
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929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +1 HELOCs |
1.5% | 66.7% | $80,000 | View |
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7845 US Highway 64, Bartlett, TN 38133 4007 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 0.8% | 100% | $295,000 | View |
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2175 Saint John Ave, Dyersburg, TN 38024 A+5.0 ★Texas Ratio: 2.57% |
USDA | 1 | 0.8% | 100% | $185,000 | View |
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133 E Main St, Bradford, TN 38316 A5.0 ★Texas Ratio: 13.53% |
Conventional | 1 | 0.8% | 100% | $105,000 | View |
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108 Cumberland St, Ashland City, TN 37015 A+5.0 ★Texas Ratio: 4.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Churchill Mortgage Corporation
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Conventional, FHA | 3 | 2.3% | 100% | $261,666 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 1.5% | 21.4% | $145,000 | |
Ut Federal Credit Union
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Conventional | 1 | 0.8% | 100% | $25,000 | |
Mortgage Investors Group
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FHA | 1 | 0.8% | 100% | $175,000 | |
21St Mortgage
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Conventional | 1 | 0.8% | 25% | $155,000 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA, VA | 12 | 9.1% | 85.7% | $178,333 | View |
First Citizens National Bank
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Conventional, FHA, USDA, HELOC | 8 +7 HELOCs |
6.1% | 80% | $131,250 | |
Mortgage Research Center
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Conventional, VA | 7 | 5.3% | 100% | $223,571 | |
United Wholesale Mortgage
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FHA, VA | 6 | 4.5% | 85.7% | $201,666 | |
Cadence Bank
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FHA, VA | 2 | 1.5% | 100% | $390,000 | |
Freedom Mortgage Corporation
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FHA | 2 | 1.5% | 50% | $140,000 | |
Better Mortgage Corporation
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FHA | 2 | 1.5% | 100% | $170,000 | |
American Financial Resources LLC
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VA | 1 | 0.8% | 100% | $235,000 | |
Royal United Mortgage LLC
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FHA | 1 | 0.8% | 100% | $75,000 | |
Goodleap, LLC
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VA | 1 | 0.8% | 50% | $115,000 | |
Newrez LLC
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FHA | 1 | 0.8% | 100% | $105,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.8% | 100% | $85,000 | |
loanDepot.com LLC
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FHA | 1 | 0.8% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
FHA | 1 | 0.8% | 100% | $185,000 | View |
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A+5.0 ★Texas Ratio: 0.26% |
Conventional | 1 | 0.8% | 100% | $245,000 | View |
First Community Bank of the Heartland, Inc.
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Conventional | 1 | 0.8% | 100% | $85,000 | |
Oceanside Mortgage Company
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FHA | 1 | 0.8% | 100% | $115,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.8% | 100% | $215,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 0.8% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,205,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.8% | 100% | $75,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.8% | 100% | $265,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.8% | 100% | $255,000 | |
Southwest Stage Funding LLC
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VA | 1 | 0.8% | 100% | $165,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.8% | 100% | $85,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Union City 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 Union City, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Union City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Union City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Union City, TN
Use these to narrow the list above. Each category shows how many Union City, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Union City, TN
Independent mortgage companies closed 37.9 percent of home loans in Union City, Tennessee in 2025, banks 49.2 percent and credit unions 12.9 percent. Churchill Mortgage Corporation was the largest mortgage company, Simmons Bank the largest bank and Leaders Credit Union the largest credit union. Among lenders headquartered in Tennessee, Security Bank and Trust Company led with 4 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 Union City, TN
By home loans closed in 2025, Simmons Bank was the largest mortgage lender in Union City, Tennessee with 4 loans, about 3 percent of the market. The largest lender headquartered in Tennessee was Security Bank and Trust Company with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
21 lenders closed FHA loans in Union City, Tennessee in 2025, led by Leaders Credit Union with 4. 8 lenders closed VA loans, led by Mortgage Research Center, and 5 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 3 credit unions closed home loans in Union City, Tennessee in 2025, alongside 23 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 Union City, 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 Union City, 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 Union City. 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.
