Top 3 Mortgage Lenders in South Fulton

First South Credit Union stands as one of the highest-rated mortgage lenders serving the South Fulton area, with exceptional customer satisfaction ratings and deep roots in Northwest Tennessee. As a member-owned financial cooperative, they offer highly competitive rates and personalized service that larger institutions often can't match. Their mortgage team has extensive experience with rural housing loans, USDA programs, and first-time homebuyer assistance—particularly valuable for the South Fulton market. With multiple branches throughout the region and a reputation for local decision-making, they provide the combination of community knowledge and financial expertise that makes them a top choice for area homebuyers.

First Citizens National Bank has been serving Northwest Tennessee communities for over 130 years, making them one of the most established and trusted mortgage lenders in the region. Their experienced loan officers have deep knowledge of the local South Fulton real estate market and specialize in rural property financing. The bank consistently receives high marks for their responsive customer service, local underwriting, and competitive rate offerings. As a community bank with strong ties to the area, they understand the unique needs of South Fulton residents and offer flexible loan programs with personalized attention throughout the entire mortgage process.

Churchill Mortgage maintains an exceptional reputation across Tennessee with nearly perfect customer satisfaction ratings and extensive experience serving both urban and rural communities. While headquartered in Middle Tennessee, they actively serve clients throughout the state, including South Fulton, with their renowned customer-focused approach. They specialize in educating homebuyers through the mortgage process and are particularly strong with VA loans and first-time homebuyer programs. Their commitment to ethical lending practices, transparent communication, and competitive pricing has earned them numerous industry awards and makes them a top-tier option for South Fulton residents seeking reliable mortgage services.