Top 3 Mortgage Lenders in Smithville

Upper Cumberland Credit Union stands as Smithville's premier local mortgage lender with deep community roots and exceptional member service. As a not-for-profit financial cooperative, they offer highly competitive rates and personalized mortgage solutions tailored to DeKalb County residents. Their mortgage specialists provide one-on-one guidance through the entire home financing process, with particular expertise in rural housing loans and first-time homebuyer programs. The credit union consistently receives outstanding reviews for their transparent pricing, local decision-making, and commitment to serving the specific needs of Smithville and surrounding communities.

Wilson Bank & Trust has established itself as a leading regional mortgage lender serving Smithville and Middle Tennessee with exceptional reliability and local expertise. While headquartered in nearby Lebanon, they maintain strong presence throughout DeKalb County with dedicated mortgage officers who understand the local real estate market. The bank receives consistently high marks for their competitive rates, efficient closing processes, and knowledgeable loan officers who provide personalized service. Their extensive experience with both urban and rural properties in the region makes them particularly well-suited for Smithville homebuyers seeking traditional banking relationships with modern mortgage solutions.

Churchill Mortgage brings nationally-recognized mortgage expertise with strong local service to Smithville homebuyers. Founded by industry expert Dave Ramsey's endorsed provider, this lender has built an outstanding reputation for ethical lending practices and exceptional customer education. Their Nashville regional office specifically serves Middle Tennessee communities including Smithville, with loan officers who regularly travel to meet clients locally. Churchill receives exceptional reviews for their transparent process, educational approach to home financing, and commitment to ensuring borrowers secure mortgages they can truly afford. Their specialization in all major loan types, particularly strong VA and conventional programs, makes them a top choice for Smithville residents seeking comprehensive mortgage services.