Mortgage Lenders and Brokers in Watertown, 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
Watertown, Tennessee mortgage lenders include Wilson Bank and TrustWilson Bank and Trust402 Public Sq, Watertown, TN 37184A+5.0 ★Texas Ratio: 4.75%, FirstbankFirstbank8398 Us Highway 64, Bartlett, TN 38133A5.0 ★Texas Ratio: 7.51%, Ascend Federal Credit UnionAscend Federal Credit Union782 Old Hickory Blvd, Brentwood, TN 37027A+5.0 ★Texas Ratio: 2.35%, Bank of America NABank of America NA6186 Stage Rd, Bartlett, TN 38134A+5.0 ★Texas Ratio: 4.14%, First Community Mortgage, Inc.First Community Mortgage, Inc.2681 Boones Creek Rd, Johnson City, TN 37615A+5.0 ★Texas Ratio: 3.36%, Fifth Third Bank, National AssociationFifth Third Bank, National Association5000 Maryland Way, Brentwood, TN 37027A+5.0 ★Texas Ratio: 3.22%, Citizens BankCitizens Bank844 Volunteer Pkwy, Bristol, TN 37620A5.0 ★Texas Ratio: 6.25%, Southern Bank of TennesseeSouthern Bank of Tennessee5109 Peter Taylor Park Drive Ste 200, Brentwood, TN 37027A+5.0 ★Texas Ratio: 0.38%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA11849 Crawford Pines Dr, Arlington, TN 38002A+5.0 ★Texas Ratio: 3.68%, and First Farmers and Merchants BankFirst Farmers and Merchants Bank9512 Highway 46, Bon Aqua, TN 37025A+5.0 ★Texas Ratio: 0.81%. 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 Watertown, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Watertown 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 Watertown, Tennessee
Market share is the lender's share of all home loans closed in Watertown, 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 Watertown 402 Public Sq, Watertown, TN 37184 A+5.0 ★Texas Ratio: 4.75% |
Conventional, HELOC | 9 +10 HELOCs |
6.7% | 100% | $272,777 | View |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA | 4 | 3% | 71.4% | $317,500 | View |
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782 Old Hickory Blvd, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.35% |
Conventional, HELOC | 2 +3 HELOCs |
1.5% | 100% | $220,000 | View |
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6186 Stage Rd, Bartlett, TN 38134 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +1 HELOCs |
1.5% | 100% | $685,000 | View |
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2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA | 2 | 1.5% | 100% | $335,000 | View |
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5000 Maryland Way, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 2 | 1.5% | 100% | $770,000 | View |
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844 Volunteer Pkwy, Bristol, TN 37620 A5.0 ★Texas Ratio: 6.25% |
Conventional | 2 | 1.5% | 100% | $235,000 | View |
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5109 Peter Taylor Park Drive Ste 200, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 0.38% |
Conventional | 1 | 0.7% | 100% | $315,000 | View |
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11849 Crawford Pines Dr, Arlington, TN 38002 A+5.0 ★Texas Ratio: 3.68% |
VA | 1 | 0.7% | 100% | $365,000 | View |
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9512 Highway 46, Bon Aqua, TN 37025 A+5.0 ★Texas Ratio: 0.81% |
Conventional | 1 | 0.7% | 100% | $555,000 | View |
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5308 Mount View Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.7% | 100% | $285,000 | View |
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925 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 3.93% |
Conventional | 1 | 0.7% | 100% | $105,000 | View |
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★ 1 stars, 1 review 9005 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.7% | 100% | $315,000 | View |
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214 Centerview Dr, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 1 | 0.7% | 100% | $615,000 | View |
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100 N Public Sq, Alexandria, TN 37012 A5.0 ★Texas Ratio: 9.78% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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216 S Calderwood St, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 4.37% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | 0% | 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 | |
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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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11624 Highway 51 S, Atoka, TN 38004 A+5.0 ★Texas Ratio: 0.35% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
21St Mortgage
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Conventional | 3 | 2.2% | 75% | $178,333 | |
Legacy Home Loans, LLC
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Conventional | 2 | 1.5% | 100% | $300,000 | |
CedarStone Bank
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Conventional | 1 | 0.7% | 100% | $275,000 | |
Churchill Mortgage Corporation
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FHA | 1 | 0.7% | 100% | $755,000 | |
The Local Lender, LLC
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Conventional | 1 | 0.7% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, VA | 11 | 8.2% | 68.8% | $236,818 | View |
Farm Credit Mid-America, Aca
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Conventional, Jumbo | 10 | 7.5% | 83.3% | $641,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 8 | 6% | 100% | $487,500 | |
Cmg Mortgage Inc
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Conventional, FHA, VA | 7 | 5.2% | 100% | $492,142 | |
loanDepot.com LLC
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Conventional, FHA | 5 | 3.7% | 100% | $219,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 4 | 3% | 100% | $427,500 | |
Union Home Mortgage Corp.
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Conventional, FHA | 4 | 3% | 66.7% | $220,000 | |
Success Mortgage Partners, Inc
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Conventional, FHA, VA | 3 | 2.2% | 100% | $358,333 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 1.5% | 100% | $270,000 | |
SWBC Mortgage Corporation
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Conventional | 2 | 1.5% | 100% | $275,000 | |
Newrez LLC
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Conventional | 2 | 1.5% | 66.7% | $690,000 | |
CrossCountry Mortgage, LLC
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FHA, VA | 2 | 1.5% | 100% | $335,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 2 | 1.5% | 66.7% | $545,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional, FHA | 2 | 1.5% | 100% | $280,000 | View |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 2 | 1.5% | 100% | $410,000 | View |
New Day Financial, LLC.
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VA | 2 | 1.5% | 100% | $375,000 | |
American Pacific Mortgage Corporation
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FHA, VA | 2 | 1.5% | 66.7% | $340,000 | |
Nationstar Mortgage
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Conventional, FHA | 2 | 1.5% | 100% | $55,000 | |
Spring Eq, LLC
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Conventional | 2 | 1.5% | 100% | $65,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.7% | 100% | $365,000 | View |
Liberty Federal Credit Union
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Conventional | 1 | 0.7% | 100% | $335,000 | |
American Financial Resources LLC
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FHA | 1 | 0.7% | 100% | $255,000 | |
Primelending
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VA | 1 | 0.7% | 100% | $415,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.7% | 66.7% | $455,000 | |
Equity Prime Mortgage LLC
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USDA | 1 | 0.7% | 100% | $325,000 | |
AmeriHome Mortgage Company, LLC
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VA | 1 | 0.7% | 100% | $475,000 | |
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A+5.0 ★Texas Ratio: 0.86% |
Conventional | 1 | 0.7% | 50% | $95,000 | View |
Deephaven Mortgage LLC
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Conventional | 1 | 0.7% | 100% | $505,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.7% | 16.7% | $405,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.7% | 100% | $525,000 | |
Quorum Federal Credit Union
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Conventional | 1 | 0.7% | 100% | $225,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 0.7% | 100% | $465,000 | |
Intercoastal Mortgage, LLC
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VA | 1 | 0.7% | 100% | $385,000 | |
Altra Federal Credit Union
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VA | 1 | 0.7% | 100% | $555,000 | |
Baxter Credit Union
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Conventional | 1 | 0.7% | 100% | $475,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.7% | 100% | $805,000 | View |
Mortgage Research Center
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VA | 1 | 0.7% | 50% | $145,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.7% | 100% | $335,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.7% | 100% | $355,000 | |
Ark-La-Tex Financial Services LLC
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VA | 1 | 0.7% | 100% | $415,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.7% | 100% | $695,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | 100% | ||
Movement Mortgage, LLC
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HELOC | 0 +1 HELOCs |
0% | 100% | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Watertown 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 Watertown, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Watertown? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Watertown in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Watertown, TN
Use these to narrow the list above. Each category shows how many Watertown, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Watertown, TN
Independent mortgage companies closed 68.7 percent of home loans in Watertown, Tennessee in 2025, banks 26.1 percent and credit unions 5.2 percent. 21St Mortgage was the largest mortgage company, Wilson Bank and Trust the largest bank and Ascend Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, Wilson Bank and Trust led with 9 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 Watertown, TN
By home loans closed in 2025, Wilson Bank and Trust was the largest mortgage lender in Watertown, Tennessee with 9 loans, about 6.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Watertown, Tennessee in 2025, led by United Wholesale Mortgage with 5. 16 lenders closed VA loans, led by Cmg Mortgage Inc, and 1 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. 24 banks and 8 credit unions closed home loans in Watertown, Tennessee in 2025, alongside 38 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 Watertown, 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 Watertown, 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 Watertown. 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.
