Mortgage lenders in Tipton County
1,405 mortgages were made in Tipton County, Tennessee, in 2025, by 209 lenders. The median rate their borrowers got was 6.500% on a median loan of $215,000. Of 1,907 decisions, 424 were denials — 22.2%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 104 | 6.625% | $205,000 | 16.3% |
| Patriot Bank | 101 | 6.250% | $225,000 | 8.0% |
| Leaders Credit Union | 96 | 6.313% | $235,000 | 7.7% |
| Cadence Bank | 77 | 6.750% | $65,000 | 16.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 56 | 6.125% | $300,000 | 15.2% |
| Navy Federal Credit Union | 55 | 7.340% | $75,000 | 30.4% |
| Regions Bank | 46 | 6.500% | $75,000 | 44.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 46 | 6.250% | $235,000 | 2.0% |
| COMMUNITY MORTGAGE CORPORATION | 45 | 6.125% | $265,000 | 6.3% |
| Mortgage Research Center, LLC | 34 | 6.250% | $315,000 | 27.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 32 | 6.575% | $250,000 | 8.6% |
| First Citizens National Bank | 29 | 7.500% | $135,000 | 42.6% |
| First South Financial Federally Insured State-Chartered Credit Union | 27 | 1.990% | $85,000 | 34.9% |
| FREEDOM MORTGAGE CORPORATION | 25 | 5.750% | $295,000 | 15.6% |
| LOWER, LLC | 24 | 6.495% | $155,000 | 14.3% |
| PENNYMAC LOAN SERVICES, LLC | 20 | 5.990% | $245,000 | 28.6% |
| Bank3 | 20 | Not published | $230,000 | 0.0% |
| AmeriSave Mortgage Corporation | 16 | 7.438% | $130,000 | 57.9% |
| GUARANTEED RATE, INC. | 15 | 5.990% | $355,000 | 6.3% |
| NEWREZ LLC | 14 | 6.313% | $300,000 | 26.3% |
| NATIONSTAR MORTGAGE LLC | 14 | 8.120% | $105,000 | 6.3% |
| STOCKTON MORTGAGE CORPORATION | 14 | 6.750% | $260,000 | 0.0% |
| GoodLeap, LLC | 12 | 6.933% | $125,000 | 16.7% |
| MORTGAGE INVESTORS GROUP, INC. | 12 | 6.433% | $255,000 | 7.1% |
| Simmons Bank | 12 | 6.688% | $95,000 | 0.0% |
| 21st Mortgage Corporation | 11 | 9.920% | $145,000 | 61.3% |
| Broker Solutions, Inc. | 11 | 6.625% | $235,000 | 7.7% |
| SPRING EQ, LLC | 11 | 9.250% | $75,000 | 56.0% |
| Fairway Independent Mortgage Corporation | 11 | 6.808% | $155,000 | 0.0% |
| INSOUTH Bank | 11 | Not published | $105,000 | 8.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 6.313% | $155,000 | 52.2% |
| Coastal Community Bank | 10 | 10.365% | $45,000 | 10.5% |
| Loandepot.Com, LLC | 10 | 6.120% | $185,000 | 16.7% |
| Pinnacle Bank | 10 | 6.375% | $235,000 | 23.1% |
| AMERICAN MORTGAGE SERVICES INCORPORATED | 10 | 6.563% | $225,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 47.1% |
| JPMorgan Chase Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 46.7% |
| Evolve Bank & Trust | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY BANK AND TRUST COMPANY | 8 | Under 10 loans | Under 10 loans | 18.2% |
| BARTLETT MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 7 | Under 10 loans | Under 10 loans | 43.8% |
| Bank of Bartlett | 7 | Under 10 loans | Under 10 loans | 33.3% |
| Farm Credit Mid-America | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Trustmark National Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Brighton Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Memphis City Employees Credit Union | 6 | Under 10 loans | Under 10 loans | 33.3% |
| The Bank of Fayette County | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 5 | Under 10 loans | Under 10 loans | 76.9% |
| FIGURE LENDING LLC | 5 | Under 10 loans | Under 10 loans | 40.0% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Wolfe Financial, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| TOWNE MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BankTennessee | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 26.7% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 66.7% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SOUTHWEST STAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| MICHIGAN MUTUAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| RUOFF MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 22.2% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Planters Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CB&S Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 83.3% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Orion Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900HL2VMAYA3J5494 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOPE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 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% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTIONS EQUITY, 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% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRSTTRUST HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Community Bank of the Heartland, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fortera Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, 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% |
| First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U. T. Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Willamette Valley Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JONES LANG LASALLE MULTIFAMILY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community National Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paragon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Crockett | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CLEARPATH LENDING | 0 | Under 10 loans | Under 10 loans | Not published |
| Magnolia Bank, Incorporated | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Empeople Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Service Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| STG MORTGAGE INC | 0 | Under 10 loans | Under 10 loans | Not published |
| HomePromise Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TOP FLITE FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT UNION 1 | 0 | Under 10 loans | Under 10 loans | Not published |
| Luminate Home Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Central Bank & Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EMM LOANS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALL IN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Home Loan Investment Bank, F.S.B. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Independent Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Orchard Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Ixonia Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| First PREMIER Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Arvest Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 9 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Tipton County
16 FDIC-insured branches from 11 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Patriot Bank | 3 | $163.2 million |
| INSOUTH Bank | 2 | $173.2 million |
| The Park National Bank | 2 | $162.4 million |
| Regions Bank | 2 | $143.9 million |
| The Huntington National Bank | 1 | $110.5 million |
| Simmons Bank | 1 | $67.3 million |
| Brighton Bank | 1 | $45.5 million |
| BankTennessee | 1 | $39.6 million |
| The Bank of Fayette County | 1 | $34.3 million |
| Security Bank and Trust Company | 1 | $34.0 million |
| FSNB, National Association | 1 | $1.2 million |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 815 Highway 51 N, Covington
- First Citizens National Bank, 123 Atoka Munford Ave, Atoka
- First Citizens National Bank, 1426 Munford Ave, Munford
Get told when this changes
When the next year’s lending figures are out for Tipton 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.