Top 3 Mortgage Lenders in Cumberland City

Upper Cumberland Credit Union stands as the premier local mortgage lender serving Cumberland City and surrounding areas, with deep roots in the Upper Cumberland region since 1954. As a community-focused credit union, they offer personalized service and competitive rates that often outperform larger national banks. Their mortgage team has extensive experience with rural housing loans including USDA programs that are particularly relevant for the Cumberland City area. Members consistently praise their transparent process, local decision-making, and exceptional customer service throughout the home buying journey.

First National Bank of Tennessee has been serving the Cumberland Plateau region for over a century, making them one of the most established and trusted mortgage lenders for Cumberland City residents. Their local branch presence in Crossville ensures personalized service and understanding of the unique real estate market in the area. The bank excels in construction and land loans, which are popular in the rural Cumberland County market. Customers consistently highlight their competitive rates, local underwriting, and the expertise of their loan officers in navigating rural property financing.

Churchill Mortgage, while headquartered in Brentwood, has an extensive service area that includes Cumberland City and has earned exceptional ratings for their mortgage services across Tennessee. Founded by industry veteran Mike Hardwick, the company has built a reputation for ethical lending practices and educational approach to home financing. They are particularly strong in VA and FHA lending, with specialized programs for military families and first-time homebuyers. Their high volume of positive reviews highlights their commitment to customer education, competitive rates, and smooth closing processes, making them a top choice for Cumberland City residents seeking reliable mortgage services.