Mortgage Lenders and Brokers in Whitwell, 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
Whitwell, Tennessee mortgage lenders include Citizens Tri County BankCitizens Tri County Bank14087 Highway 28, Whitwell, TN 37397A5.0 ★Texas Ratio: 7.54%, Tower Community BankTower Community Bank13165 Highway 28, Whitwell, TN 37397A+5.0 ★Texas Ratio: 4.27%, FirstbankFirstbank8398 Us Highway 64, Bartlett, TN 38133A5.0 ★Texas Ratio: 7.51%, Builtwell BankBuiltwell Bank13108 Highway 28, Whitwell, TN 37397A+5.0 ★Texas Ratio: 2.72%, Renasant BankRenasant Bank6671 Summer Ave, Bartlett, TN 38134A+5.0 ★Texas Ratio: 4.72%, Chattanooga Area Schools Federal Credit UnionChattanooga Area Schools Federal Credit Union1201 Bailey Ave, Chattanooga, TN 37404 2806A+5.0 ★Texas Ratio: 0.99%, First Community Mortgage, Inc.First Community Mortgage, Inc.2681 Boones Creek Rd, Johnson City, TN 37615A+5.0 ★Texas Ratio: 3.36%, Pinnacle BankPinnacle Bank5308 Mount View Rd, Antioch, TN 37013A+5.0 ★Texas Ratio: 3.04%, First Farmers and Commercial BankFirst Farmers and Commercial Bank1251 N Main St, Crossville, TN 38555A+5.0 ★Texas Ratio: 0.50%, and Mountain Valley BankMountain Valley BankHighway 28 South At Cordell Lane, Dunlap, TN 37327A+5.0 ★Texas Ratio: 4.32%. 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 Whitwell, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Whitwell 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 Whitwell, Tennessee
Market share is the lender's share of all home loans closed in Whitwell, 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 Whitwell 14087 Highway 28, Whitwell, TN 37397 A5.0 ★Texas Ratio: 7.54% |
Conventional | 22 | 22.2% | 92.6% | $147,272 | View |
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1 office in Whitwell 13165 Highway 28, Whitwell, TN 37397 A+5.0 ★Texas Ratio: 4.27% |
Conventional | 4 | 4% | 100% | $27,500 | View |
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8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA | 4 | 4% | 80% | $277,500 | View |
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13108 Highway 28, Whitwell, TN 37397 A+5.0 ★Texas Ratio: 2.72% |
Conventional | 3 | 3% | 75% | $95,000 | View |
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6671 Summer Ave, Bartlett, TN 38134 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA | 2 | 2% | 100% | $180,000 | View |
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1201 Bailey Ave, Chattanooga, TN 37404 2806 A+5.0 ★Texas Ratio: 0.99% |
Conventional | 2 | 2% | 100% | $95,000 | View |
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2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 1% | 100% | $245,000 | View |
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5308 Mount View Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 3.04% |
FHA | 1 | 1% | 100% | $285,000 | View |
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1251 N Main St, Crossville, TN 38555 A+5.0 ★Texas Ratio: 0.50% |
Conventional | 1 | 1% | 100% | $55,000 | View |
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Highway 28 South At Cordell Lane, Dunlap, TN 37327 A+5.0 ★Texas Ratio: 4.32% |
Conventional | 1 | 1% | 100% | $35,000 | 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 +1 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 +1 HELOCs |
0% | 100% | 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 | |
Tennessee Valley Federal C U
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Conventional, HELOC | 4 +3 HELOCs |
4% | 80% | $117,500 | |
Mortgage Investors Group
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FHA | 1 | 1% | 100% | $155,000 | |
21St Mortgage
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Conventional | 1 | 1% | 66.7% | $155,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 1% | 22.2% | $145,000 | |
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A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA, VA | 13 | 13.1% | 72.2% | $220,384 | View |
Union Home Mortgage Corp.
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Conventional, USDA, HELOC | 5 +1 HELOCs |
5.1% | 100% | $201,000 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 3% | 100% | $131,666 | |
Summit Funding.Inc
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Conventional, FHA | 3 | 3% | 100% | $125,000 | |
Click n' Close, Inc.
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FHA | 2 | 2% | 100% | $240,000 | |
First Jackson Bank, Inc
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Conventional | 2 | 2% | 100% | $50,000 | |
Cadence Bank
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Conventional | 1 | 1% | 100% | $75,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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USDA | 1 | 1% | 100% | $115,000 | |
United Wholesale Mortgage
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VA | 1 | 1% | 50% | $235,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 1% | 100% | $505,000 | View |
Freedom Mortgage Corporation
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VA | 1 | 1% | 50% | $305,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 1% | 100% | $275,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 1% | 100% | $415,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 1 | 1% | 100% | $205,000 | View |
Pennymac Loan Services LLC
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FHA | 1 | 1% | 100% | $285,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1% | 20% | $125,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 1% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
FHA | 1 | 1% | 100% | $265,000 | View |
Highlands Residential Mortgage, Ltd.
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Conventional | 1 | 1% | 100% | $235,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 1% | 100% | $295,000 | View |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 1% | 100% | $235,000 | View |
Mortgage Research Center
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VA | 1 | 1% | 100% | $315,000 | |
Tjc Mortgage Inc
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USDA | 1 | 1% | 100% | $135,000 | |
Genway Home Mortgage, Inc.
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USDA | 1 | 1% | 100% | $205,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 1% | 100% | $355,000 | |
New American Funding, LLC.
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Conventional | 1 | 1% | 50% | $115,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
FHA | 1 | 1% | 100% | $275,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 1% | 100% | $425,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 1% | 100% | $315,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Synovus Bank
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HELOC | 0 +1 HELOCs |
0% | n/a |
Whitwell 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 Whitwell, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Whitwell? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Whitwell in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Whitwell, TN
Use these to narrow the list above. Each category shows how many Whitwell, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Whitwell, TN
Independent mortgage companies closed 46.5 percent of home loans in Whitwell, Tennessee in 2025, banks 47.5 percent and credit unions 6.1 percent. Mortgage Investors Group was the largest mortgage company, Citizens Tri County Bank the largest bank and Chattanooga Area Schools Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, Citizens Tri County Bank led with 22 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 Whitwell, TN
By home loans closed in 2025, Citizens Tri County Bank was the largest mortgage lender in Whitwell, Tennessee with 22 loans, about 22.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
12 lenders closed FHA loans in Whitwell, Tennessee in 2025, led by Firstbank with 3. 4 lenders closed VA loans, led by Rocket Mortgage, and 4 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. 21 banks and 2 credit unions closed home loans in Whitwell, Tennessee in 2025, alongside 25 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 Whitwell, 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 Whitwell, 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 Whitwell. 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.
