Mortgage lenders in Cumberland County
1,515 mortgages were made in Cumberland County, Tennessee, in 2025, by 262 lenders. The median rate their borrowers got was 6.625% on a median loan of $205,000. Of 2,044 decisions, 436 were denials — 21.3%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 158 | 6.625% | $175,000 | 13.9% |
| One Bank of Tennessee | 77 | 6.950% | $125,000 | 4.9% |
| Regions Bank | 74 | 6.000% | $65,000 | 31.9% |
| VAN DYK MORTGAGE CORPORATION | 72 | 6.688% | $235,000 | 4.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 65 | 6.124% | $245,000 | 10.4% |
| SmartBank | 54 | 7.500% | $125,000 | 13.9% |
| FirstBank | 48 | 7.500% | $145,000 | 17.4% |
| MORTGAGE INVESTORS GROUP, INC. | 47 | 6.625% | $265,000 | 5.7% |
| PENNYMAC LOAN SERVICES, LLC | 44 | 6.250% | $235,000 | 12.0% |
| Mortgage Research Center, LLC | 43 | 6.125% | $295,000 | 24.6% |
| U.S. Bank National Association | 28 | 7.125% | $180,000 | 40.0% |
| CMG MORTGAGE, INC. | 28 | 6.563% | $210,000 | 6.3% |
| DAS Acquisition Company, LLC | 28 | 6.990% | $195,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 27 | 6.990% | $125,000 | 18.2% |
| Navy Federal Credit Union | 26 | 6.188% | $165,000 | 10.3% |
| Farm Credit Mid-America | 23 | 7.000% | $325,000 | 14.8% |
| FREEDOM MORTGAGE CORPORATION | 21 | 6.250% | $275,000 | 7.7% |
| EMBRACE HOME LOANS, INC. | 20 | 6.313% | $195,000 | 4.6% |
| 21st Mortgage Corporation | 19 | 9.030% | $125,000 | 53.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 17 | 6.750% | $235,000 | 10.5% |
| AmeriSave Mortgage Corporation | 16 | 8.183% | $80,000 | 56.8% |
| Broker Solutions, Inc. | 16 | 6.990% | $275,000 | 5.9% |
| NEWREZ LLC | 14 | 5.870% | $245,000 | 21.1% |
| Loandepot.Com, LLC | 14 | 6.625% | $145,000 | 26.3% |
| A&D Mortgage LLC | 14 | 6.563% | $260,000 | 0.0% |
| First Farmers & Commercial Bank | 14 | Not published | $155,000 | 6.7% |
| Flagstar Bank, N.A. | 13 | 6.493% | $225,000 | 17.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 13 | 6.125% | $235,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 12 | 9.375% | $115,000 | 76.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.188% | $205,000 | 23.5% |
| GUARANTY MORTGAGE SERVICES, L.L.C. | 12 | 6.870% | $215,000 | 0.0% |
| FIGURE LENDING LLC | 12 | 9.350% | $80,000 | 11.8% |
| GUILD MORTGAGE COMPANY | 11 | 6.500% | $215,000 | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 10 | 6.563% | $215,000 | 9.1% |
| SPRING EQ, LLC | 9 | Under 10 loans | Under 10 loans | 37.5% |
| JPMorgan Chase Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Citizens Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Y-12 Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 50.0% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Truist Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| ORNL | 7 | Under 10 loans | Under 10 loans | 10.0% |
| WILSON BANK AND TRUST | 7 | Under 10 loans | Under 10 loans | 11.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Liberty | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank of Lafayette | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 22.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 23.1% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 58.3% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Tri-County Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Builtwell Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 63.6% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Gateway First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commercial Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 88.2% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 40.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 37.5% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ASCEND FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Renasant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENRICHMENT | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The First National Bank of Middle Tennessee | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TEN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home State Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Countybank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Orchard Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Apex Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 61.5% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 88.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Zippy Loans, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First American Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Hearthside Bank Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HomeTrust Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First South Financial Federally Insured State-Chartered Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CU COMMUNITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900HL2VMAYA3J5494 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TNBANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOX COMMUNITIES Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GMFS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Legends Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES' | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUPoint Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST SIGNATURE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Mid Bank & Trust, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 62 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Cumberland County
16 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| One Bank of Tennessee | 4 | $473.9 million |
| Regions Bank | 3 | $324.5 million |
| First National Bank of Tennessee | 2 | $398.7 million |
| Highland Federal Savings and Loan Association | 2 | $60.3 million |
| FirstBank | 1 | $220.1 million |
| SmartBank | 1 | $218.4 million |
| U.S. Bank National Association | 1 | $82.0 million |
| First Farmers & Commercial Bank | 1 | $41.0 million |
| FSNB, National Association | 1 | $1.8 million |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.