Loan type × state · TN
CDFI mortgages in Tennessee
21 certified CDFIs that serve Tennessee describe mortgages on their own websites: 21 headquartered in Tennessee. 3 national lenders with the same product are listed separately. Lender websites read 29 Oct 2026–4 Nov 2026.
- Lenders
- 21
- Based in TN
- 21
- National
- 3
Counted from each lender's own website: a lender is listed when it describes mortgages on a page we read and is headquartered in Tennessee or names Tennessee, or a county or town in it, as its service area. 9 other verified lenders that serve Tennessee did not mention mortgages on the pages we read, and 13 lenders headquartered here have no verified data yet. Not mentioned does not mean not offered. A listing is not an offer: ask the lender.
What these 21 lenders say
Lender websites, 29 Oct 2026–4 Nov 2026| Lender types | 2 loan funds, 9 credit unions, 8 banks or thrifts, 2 bank holding companies |
|---|---|
| Largest amount stated | 2 lenders state a maximum: median $375,000, range $350,000 to $400,000 |
| Smallest amount stated | 1 lender state a minimum: median $50,000, lowest $50,000 |
| Borrower focus stated | First-time homebuyers (2), Low- and moderate-income / underserved (2), Veterans (2), Rural (1), Farmers / ranchers (1) |
| Online application link found | 14 of 21 |
| Service area stated on their site | 7 of 21 |
See also all 41 CDFIs headquartered in Tennessee, CDFI mortgages in every state, the guide CDFI mortgages and down-payment help.
Headquartered in Tennessee (21)
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgages
focusing on low income homeownership through our various mortgage lending, housing development, and education programs.
Verified - Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…
Our Home Mortgage Loans provide our customers advanced solutions so they can rest assured they are getting the best rates and affordable payments.
Verified - Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…
Offering home purchasing or refinancing for most any need
Verified - Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loans
In the market for a new home? Our mortgage team is ready to assist you and provide guidance every step of the way.
Verified - Copper Basin Federal Credit UnionCredit union · Copperhill, TNAuto / vehicle loans, Home mortgages, Personal / consumer loans
CBFCU offers in house – Adjustable Rate conventional mortgage loans up to a term of 30 years.
Verified - Decatur Bancshares, Inc.Bank holding company · Decaturville, TNAuto / vehicle loans, Home mortgages, SBA-backed loans (7(a)/504/Community Advantage), Small-business loans
We offer a variety of in-house and secondary market options such as Conventional, Jumbo, FHA, USDA Rural Development and VA loans.
Verified - Decatur County BankBank or thrift · Decaturville, TNAuto / vehicle loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…
We offer a variety of in-house and secondary market options such as Conventional, Jumbo, FHA, USDA Rural Development and VA loans.
Verified - Employee Resources Credit UnionCredit union · Lawrenceburg, TNAuto / vehicle loans, Home mortgages, Small-business loansup to $350,000
First Mortgage (maximum $350,000)
Verified - Fortera Credit UnionCredit union · Clarksville, TNAuto / vehicle loans, Home mortgages, Personal / consumer loans
We offer conventional, VA, construction and land loans.
Verified - Homeworks Community Lending LLCLoan fund · Johnson City, TNSmall-dollar / emergency loans, Home repair / improvement loans, Home mortgages, Personal / consumer loans
Conventional loans are often the best option for borrowers with strong credit who can contribute a down payment of at least 3%, or perhaps quite a bit more.
Verified - Horizon Credit UnionCredit union · Kingsport, TNAuto / vehicle loans, Home mortgages
a home equity loan or Horizon HELOC may just be a phone call away
Verified - Mountain Valley BankBank or thrift · Dunlap, TNAgriculture / farm loans, Auto / vehicle loans, Equipment loans, Home repair / improvement loans…
Conventional fixed rate mortgages
Verified - Orion Federal Credit UnionCredit union · Memphis, TNAuto / vehicle loans, Home mortgages, Personal / consumer loans
Whether you are purchasing a home or refinancing a property, find the perfect mortgage with competitive rates, flexible terms, and personalized support for every step of your homeownership journey.
Verified - Southern Security Federal Credit UnionCredit union · Collierville, TNAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…
10 – 30 year terms available, including Conventional and FHA
Verified - Tennessee Members 1st FCUCredit union · Oak Ridge, TNAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home mortgages…
Max Loan-to-Value (LTV) Purchase: 97% (First time home buyer)
Verified - The First National Bank of OneidaBank or thrift · Helenwood, TNCommercial real estate loans, Equipment loans, Home repair / improvement loans, Home mortgages…
Fixed and Adjustable Rate Home Loans
Verified - Trust Federal Credit UnionCredit union · Chattanooga, TNAuto / vehicle loans, Home mortgages, Personal / consumer loans
We offer a wide variety of Mortgage Loans. FHA, VA, USDA, Conventional, we do them all.
Verified - UNION BANKBank or thrift · Jamestown, TNHome mortgages, Personal / consumer loans, Small-business loans
Are you ready to build, buy, or refinance? See one of our local lenders to learn more about all of our mortgage lending options.
Verified - Wayne County Bancshares, Inc.Bank holding company · Waynesboro, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…
Competitive rates for home purchase or refinance
Verified - Wayne County BankBank or thrift · Waynesboro, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…
Competitive rates for home purchase or refinance
Verified - Y-12 Federal Credit UnionCredit union · Oak Ridge, TNAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Home mortgages…$50,000 to $400,000
Minimum loan amount $50,000, maximum loan amount $400,000
Verified
National lenders (3)
These lenders say they lend nationwide and do not exclude Tennessee. They are not counted above.
- Champions Funding, LLCLoan fund · Gilbert, AZHome mortgages
Financing for personal purposes. Owner-occupied and second homes.
Verified - Entertainment Industries FCUCredit union · Elizabeth, NJAuto / vehicle loans, Home mortgages
Whether you prefer the stability of a fixed-rate mortgage or the flexibility of an adjustable-rate mortgage, we have mortgage options to fit your budget
Verified - Springboard CDFILoan fund · National City, CAHome mortgages
Springboard Home Loans helps individuals find the best mortgage financing options available to them.
Verified
County pages in Tennessee with these lenders
Number of lenders above that name the county (or a town in it) on their website or are headquartered there.
Other loan types in Tennessee
CDFI mortgages in other states
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement. Disclaimer.
Source: CDFI Atlas, cdfiatlas.com/states/tn/mortgages/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).