Mortgage Lenders and Brokers in Winchester, Tennessee
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Winchester, Tennessee mortgage lenders include Regions BankRegions Bank121 S College St, Winchester, TN 37398A+5.0 ★Texas Ratio: 4.37%, Ascend Federal Credit UnionAscend Federal Credit Union2459 Decherd Blvd, Winchester, TN 37398A+5.0 ★Texas Ratio: 2.35%, Citizens Tri County BankCitizens Tri County Bank1548 Main St, Altamont, TN 37301A5.0 ★Texas Ratio: 7.54%, 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%, FirstbankFirstbank8398 Us Highway 64, Bartlett, TN 38133A5.0 ★Texas Ratio: 7.51%, First Vision Bank of TennesseeFirst Vision Bank of Tennessee2165 Decherd Blvd, Decherd, TN 37324A5.0 ★Texas Ratio: 11.21%, Renasant BankRenasant Bank6671 Summer Ave, Bartlett, TN 38134A+5.0 ★Texas Ratio: 4.72%, Legends BankLegends Bank533 S Main St, Ashland City, TN 37015A+5.0 ★Texas Ratio: 0.00%, and Bank of TennesseeBank of Tennessee1917 Highway 394, Blountville, TN 37617A+5.0 ★Texas Ratio: 4.09%. 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 Winchester, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Winchester 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 Winchester, Tennessee
Market share is the lender's share of all home loans closed in Winchester, 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 |
|---|---|---|---|---|---|---|
|
1 office in Winchester 121 S College St, Winchester, TN 37398 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 4 +3 HELOCs |
2.4% | 71.4% | $260,000 | View |
|
2459 Decherd Blvd, Winchester, TN 37398 A+5.0 ★Texas Ratio: 2.35% |
Conventional, HELOC | 9 +6 HELOCs |
5.5% | 90% | $270,555 | View |
|
★ 5 stars, 1 review 1548 Main St, Altamont, TN 37301 A5.0 ★Texas Ratio: 7.54% |
Conventional | 9 | 5.5% | 81.8% | $269,444 | View |
|
2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA | 8 | 4.9% | 80% | $321,250 | View |
|
929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 5 | 3% | 71.4% | $191,000 | View |
|
8398 Us Highway 64, Bartlett, TN 38133 A5.0 ★Texas Ratio: 7.51% |
Conventional, VA, Jumbo, HELOC | 4 +2 HELOCs |
2.4% | 57.1% | $480,000 | View |
|
2165 Decherd Blvd, Decherd, TN 37324 A5.0 ★Texas Ratio: 11.21% |
Conventional | 2 | 1.2% | 66.7% | $180,000 | View |
|
6671 Summer Ave, Bartlett, TN 38134 A+5.0 ★Texas Ratio: 4.72% |
FHA | 1 | 0.6% | 100% | $185,000 | View |
|
533 S Main St, Ashland City, TN 37015 A+5.0 ★Texas Ratio: 0.00% |
VA | 1 | 0.6% | 100% | $185,000 | View |
|
1917 Highway 394, Blountville, TN 37617 A+5.0 ★Texas Ratio: 4.09% |
Conventional | 1 | 0.6% | 100% | $385,000 | View |
The Farmers Bank
7836 Highway 25 E, Cross Plains, TN 37049 |
FHA | 1 | 0.6% | 100% | $475,000 | |
|
2310 Highway 96, Burns, TN 37029 A+5.0 ★Texas Ratio: 3.11% |
Conventional | 1 | 0.6% | 100% | $125,000 | View |
|
2695 Decherd Blvd, Winchester, TN 37398 A5.0 ★Texas Ratio: 9.78% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
|
6186 Stage Rd, Bartlett, TN 38134 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
★ 1 stars, 1 review 9005 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
109 Associates Blvd, Alcoa, TN 37701 A+5.0 ★Texas Ratio: 1.74% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.6% | 100% | $255,000 | View |
The Local Lender, LLC
|
USDA | 1 | 0.6% | 100% | $215,000 | |
|
A5.0 ★Texas Ratio: 6.62% |
Conventional | 1 | 0.6% | 100% | $365,000 | View |
|
A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA, VA | 20 | 12.2% | 95.2% | $203,500 | View |
United Wholesale Mortgage
|
Conventional, FHA, VA | 10 | 6.1% | 83.3% | $330,000 | |
|
A5.0 ★Texas Ratio: 13.21% |
Conventional, FHA, USDA | 10 | 6.1% | 100% | $396,000 | View |
Mortgage Research Center
|
VA | 9 | 5.5% | 75% | $340,555 | |
Freedom Mortgage Corporation
|
FHA, VA | 5 | 3% | 100% | $347,000 | |
Cmg Mortgage Inc
|
Conventional, FHA, USDA | 5 | 3% | 100% | $215,000 | |
Pennymac Loan Services LLC
|
FHA, VA | 4 | 2.4% | 66.7% | $260,000 | |
CrossCountry Mortgage, LLC
|
Conventional, VA | 3 | 1.8% | 100% | $171,666 | |
loanDepot.com LLC
|
Conventional, VA | 3 | 1.8% | 100% | $255,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 3 | 1.8% | 100% | $415,000 | View |
|
A5.0 ★Texas Ratio: 8.17% |
FHA, VA | 3 | 1.8% | 80% | $218,333 | View |
Mutual of Omaha Mortgage
|
Conventional, VA | 3 | 1.8% | 100% | $391,666 | |
|
A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 2 +1 HELOCs |
1.2% | 100% | $370,000 | |
Residential Wholesale Mortgage
|
Conventional | 2 | 1.2% | 100% | $340,000 | |
Newrez LLC
|
VA | 2 | 1.2% | 100% | $285,000 | |
Planet Home Lending, LLC
|
FHA, VA | 2 | 1.2% | 100% | $285,000 | |
Nationstar Mortgage
|
Conventional | 2 | 1.2% | 100% | $65,000 | |
Metroplex Mortgage Services
|
USDA | 2 | 1.2% | 100% | $220,000 | |
Redstone Federal Credit Union
|
VA, HELOC | 1 +1 HELOCs |
0.6% | 100% | $265,000 | |
Alliant Credit Union
|
Conventional | 1 | 0.6% | 100% | $175,000 | |
Liberty Federal Credit Union
|
Conventional | 1 | 0.6% | 100% | $495,000 | |
|
B-4.3 ★Texas Ratio: 24.02% |
Conventional | 1 | 0.6% | 100% | $295,000 | View |
Kind Lending, LLC
|
USDA | 1 | 0.6% | 100% | $225,000 | |
PHH Mortgage Corporation
|
VA | 1 | 0.6% | 100% | $155,000 | |
|
A5.0 ★Texas Ratio: 13.85% |
Conventional | 1 | 0.6% | 100% | $305,000 | View |
Amerisave Mortgage Company
|
FHA | 1 | 0.6% | 100% | $165,000 | |
Guild Mortgage Company
|
Conventional | 1 | 0.6% | 100% | $325,000 | |
American Financial Network, Inc.
|
USDA | 1 | 0.6% | 100% | $265,000 | |
FirstTrust Home Loans
|
Conventional | 1 | 0.6% | 100% | $505,000 | |
Discover Bank
|
Conventional | 1 | 0.6% | 100% | $85,000 | |
Honor Credit Union
|
Conventional | 1 | 0.6% | 100% | $165,000 | |
Das Acquisition Company, LLC
|
Conventional | 1 | 0.6% | 100% | $465,000 | |
|
A+5.0 ★Texas Ratio: 3.45% |
Conventional | 1 | 0.6% | 100% | $305,000 | View |
American Security Mortgage Cor
|
Conventional | 1 | 0.6% | 100% | $225,000 | |
First Colony Mortgage Corporat
|
Conventional | 1 | 0.6% | 100% | $355,000 | |
Calcon Mutual Mortgage LLC
|
FHA | 1 | 0.6% | 100% | $265,000 | |
|
A+5.0 ★Texas Ratio: 1.41% |
Conventional | 1 | 0.6% | 100% | $255,000 | View |
American Pacific Mortgage Corporation
|
Conventional | 1 | 0.6% | 100% | $475,000 | |
|
A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.6% | 100% | $585,000 | View |
|
A+5.0 ★Texas Ratio: 4.01% |
Conventional | 1 | 0.6% | 100% | $215,000 | View |
New American Funding, LLC.
|
Conventional | 1 | 0.6% | 100% | $205,000 | |
|
A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.6% | 100% | $135,000 | View |
Southwest Funding LP
|
VA | 1 | 0.6% | 100% | $575,000 | |
|
A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Fourleaf Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Technology Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Winchester 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 Winchester, Tennessee
Looking for mortgage lenders near me or mortgage brokers near me in Winchester? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Winchester in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Winchester, TN
Use these to narrow the list above. Each category shows how many Winchester, TN lenders fit and what that kind of lender is usually best for.
Who Lends in Winchester, TN
Independent mortgage companies closed 54.3 percent of home loans in Winchester, Tennessee in 2025, banks 36 percent and credit unions 9.8 percent. The Local Lender, LLC was the largest mortgage company, Regions Bank the largest bank and Ascend Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, Ascend Federal Credit Union 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 Winchester, TN
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Winchester, Tennessee with 4 loans, about 2.4 percent of the market. The largest lender headquartered in Tennessee was Ascend Federal Credit Union with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Winchester, Tennessee in 2025, led by Primis Bank with 5. 18 lenders closed VA loans, led by Mortgage Research Center, and 6 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. 29 banks and 9 credit unions closed home loans in Winchester, Tennessee in 2025, alongside 32 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 Winchester, 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 Winchester, 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 Winchester. 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.
