Mortgage lenders in Putnam County
1,842 mortgages were made in Putnam County, Tennessee, in 2025, by 260 lenders. The median rate their borrowers got was 6.750% on a median loan of $235,000. Of 2,312 decisions, 380 were denials — 16.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| One Bank of Tennessee | 234 | 6.950% | $185,000 | 2.9% |
| Rocket Mortgage, LLC | 124 | 6.375% | $205,000 | 18.8% |
| Citizens Bank of Lafayette | 107 | 7.500% | $155,000 | 0.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 95 | 6.125% | $295,000 | 8.3% |
| UNION HOME MORTGAGE CORP. | 88 | 6.563% | $290,000 | 6.4% |
| Regions Bank | 72 | 4.990% | $75,000 | 37.4% |
| DHI MORTGAGE COMPANY, LTD. | 56 | 4.990% | $295,000 | 6.7% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 54 | 6.625% | $240,000 | 3.6% |
| FirstBank | 47 | 6.750% | $275,000 | 21.5% |
| WILSON BANK AND TRUST | 46 | 7.220% | $210,000 | 15.0% |
| Mortgage Research Center, LLC | 42 | 6.188% | $330,000 | 19.2% |
| First Horizon Bank | 42 | 7.250% | $180,000 | 23.6% |
| U.S. Bank National Association | 38 | 7.625% | $155,000 | 30.9% |
| MORTGAGE INVESTORS GROUP, INC. | 32 | 6.495% | $315,000 | 8.3% |
| PENNYMAC LOAN SERVICES, LLC | 28 | 6.000% | $275,000 | 9.7% |
| CMG MORTGAGE, INC. | 26 | 6.313% | $325,000 | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 22 | 6.125% | $235,000 | 0.0% |
| ASCEND FEDERAL CREDIT UNION | 21 | 7.250% | $105,000 | 33.3% |
| FREEDOM MORTGAGE CORPORATION | 20 | 6.250% | $255,000 | 6.9% |
| SmartBank | 20 | 7.438% | $170,000 | 11.5% |
| SouthEast Bank | 20 | 7.500% | $105,000 | 8.0% |
| NATIONSTAR MORTGAGE LLC | 18 | 6.875% | $100,000 | 14.3% |
| CITIZENS BANK | 18 | Not published | $130,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 17 | 6.500% | $275,000 | 15.0% |
| GUARANTY MORTGAGE SERVICES, L.L.C. | 17 | 6.750% | $365,000 | 0.0% |
| Broker Solutions, Inc. | 16 | 6.562% | $300,000 | 5.9% |
| Fairway Independent Mortgage Corporation | 16 | 6.500% | $265,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 15 | 6.875% | $215,000 | 16.7% |
| Loandepot.Com, LLC | 13 | 6.250% | $215,000 | 27.8% |
| Builtwell Bank | 13 | Not published | $105,000 | 23.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | 6.500% | $355,000 | 0.0% |
| SPRING EQ, LLC | 11 | 8.950% | $55,000 | 57.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 11 | 6.250% | $245,000 | 15.4% |
| United Community Bank | 11 | 6.312% | $295,000 | 8.3% |
| CU COMMUNITY, LLC | 10 | 10.000% | $50,000 | 7.7% |
| Farm Credit Mid-America | 10 | 7.000% | $440,000 | 16.7% |
| JPMorgan Chase Bank, National Association | 10 | 6.558% | $295,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 9 | Under 10 loans | Under 10 loans | 57.1% |
| NEWREZ LLC | 9 | Under 10 loans | Under 10 loans | 35.7% |
| FIGURE LENDING LLC | 9 | Under 10 loans | Under 10 loans | 42.9% |
| ISERVE RESIDENTIAL LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 69.2% |
| Coastal Community Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 46.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AmeriSave Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 63.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 50.0% |
| VAN DYK MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy Home Loans, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 10.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EMBRACE HOME LOANS, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Middle Tennessee | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Freedom Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 84.6% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Y-12 Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TEN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leaders Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 25.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Southern Bank of Tennessee | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TENNESSEE VALLEY FCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 33.3% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmRes Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First South Financial Federally Insured State-Chartered Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| US COMMUNITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Tri-County Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRESTON HOME LOANS INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Decatur County Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMERCE 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% |
| Macon Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELCO COMMUNITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CedarStone Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5493004T38NMC864VL66 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5493005QMX3SJKDTQZ62 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U. T. Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JONES LANG LASALLE MULTIFAMILY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GMFS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Legends Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES' | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA UNITED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IncredibleBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE ANDERSON FINANCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYPLUS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Crockett | 1 | Under 10 loans | Under 10 loans | 0.0% |
| F&M Bank | 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 60 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Putnam County
31 FDIC-insured branches from 15 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| One Bank of Tennessee | 6 | $546.1 million |
| Regions Bank | 3 | $388.1 million |
| Putnam 1st Mercantile Bank | 3 | $159.8 million |
| SouthEast Bank | 2 | $449.3 million |
| Wilson Bank and Trust | 2 | $366.8 million |
| First Horizon Bank | 2 | $361.7 million |
| First National Bank of Tennessee | 2 | $338.6 million |
| Wellworth Bank | 2 | $168.0 million |
| First Freedom Bank | 2 | $139.4 million |
| Builtwell Bank | 2 | $64.3 million |
| U.S. Bank National Association | 1 | $120.9 million |
| FirstBank | 1 | $106.6 million |
| SmartBank | 1 | $97.4 million |
| Citizens Bank | 1 | $74.5 million |
| FSNB, National Association | 1 | $2.5 million |
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When the next year’s lending figures are out for Putnam County, or a lender arrives or leaves.
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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.