Mortgage lenders in Cheatham County
1,295 mortgages were made in Cheatham County, Tennessee, in 2025, by 252 lenders. The median rate their borrowers got was 6.495% on a median loan of $285,000. Of 1,787 decisions, 396 were denials — 22.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 98 | 6.000% | $345,000 | 14.0% |
| Rocket Mortgage, LLC | 79 | 6.375% | $265,000 | 25.7% |
| United Community Bank | 53 | 6.500% | $105,000 | 34.2% |
| CMG MORTGAGE, INC. | 48 | 6.313% | $355,000 | 3.5% |
| INSPIRE HOME LOANS INC. | 47 | 4.875% | $415,000 | 0.0% |
| FirstBank | 39 | 6.625% | $305,000 | 4.7% |
| Pinnacle Bank | 38 | 6.813% | $125,000 | 18.4% |
| Mortgage Research Center, LLC | 36 | 6.058% | $400,000 | 14.3% |
| First Financial Bank, National Association | 28 | 6.500% | $105,000 | 18.4% |
| U.S. Bank National Association | 26 | 8.000% | $170,000 | 62.1% |
| PENNYMAC LOAN SERVICES, LLC | 26 | 5.990% | $310,000 | 7.1% |
| FIRST COMMUNITY MORTGAGE, INC. | 23 | 5.990% | $285,000 | 7.4% |
| Regions Bank | 22 | 4.990% | $105,000 | 39.6% |
| Navy Federal Credit Union | 21 | 7.340% | $165,000 | 30.0% |
| NEWREZ LLC | 19 | 6.125% | $365,000 | 17.4% |
| Broker Solutions, Inc. | 19 | 6.500% | $355,000 | 5.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 19 | 6.740% | $385,000 | 0.0% |
| Old National Bank | 19 | 6.375% | $305,000 | 16.7% |
| F&M Bank | 17 | 7.050% | $155,000 | 10.5% |
| ALTRA Federal Credit Union | 16 | 5.990% | $390,000 | 5.9% |
| GUARANTEED RATE, INC. | 15 | 6.325% | $315,000 | 11.8% |
| ASCEND FEDERAL CREDIT UNION | 15 | 7.500% | $85,000 | 20.0% |
| Fortera Federal Credit Union | 15 | 7.750% | $75,000 | 20.0% |
| Legacy Home Loans, LLC | 15 | 6.250% | $385,000 | 6.3% |
| Fairway Independent Mortgage Corporation | 14 | 6.490% | $295,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 13 | 9.000% | $45,000 | 12.5% |
| TENNESSEE TRUST MORTGAGE, INC | 13 | 6.490% | $255,000 | 13.3% |
| FIRSTTRUST HOME LOANS, INC. | 13 | 6.624% | $285,000 | 0.0% |
| Truist Bank | 12 | 7.075% | $135,000 | 35.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.375% | $255,000 | 31.3% |
| Loandepot.Com, LLC | 11 | 6.125% | $285,000 | 25.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 11 | 6.625% | $395,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 10 | 6.250% | $280,000 | 27.8% |
| AmeriSave Mortgage Corporation | 10 | 6.688% | $175,000 | 56.5% |
| Fifth Third Bank, National Association | 10 | 8.025% | $140,000 | 25.0% |
| SPRING EQ, LLC | 9 | Under 10 loans | Under 10 loans | 52.6% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 40.0% |
| CHURCHILL MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Legends Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| The Farmers Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GUILD MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 66.7% |
| First Horizon Bank | 6 | Under 10 loans | Under 10 loans | 46.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 5 | Under 10 loans | Under 10 loans | 63.2% |
| Liberty | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 76.5% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| WILSON BANK AND TRUST | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 3 | Under 10 loans | Under 10 loans | 5.6% |
| US COMMUNITY | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TEN CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CORNERSTONE FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 40.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 50.0% |
| REDSTONE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GERSHMAN INVESTMENT CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Republic Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Studio Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Planters Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Dickson | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TriStar Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 71.4% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CASTLE & COOKE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES' | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Traditions First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| COMMUNITY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| COMPASS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS SAVINGS BANK AND TRUST COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Farmers and Merchants Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BankTennessee | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lineage Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MCKENZIE BANKING COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texas National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Grand Bank for Savings, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Volunteer State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Middle Tennessee | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| first vision bank of tennessee | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank of Lafayette | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 85.7% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 52 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Cheatham County
11 FDIC-insured branches from 5 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| United Community Bank | 3 | $200.7 million |
| First Financial Bank, National Association | 3 | $121.2 million |
| U.S. Bank National Association | 2 | $172.2 million |
| Legends Bank | 2 | $48.2 million |
| Pinnacle Bank | 1 | $243.3 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.