# Tennessee Service Areas Canonical URL: https://valor.mortgage/tennessee-service-areas/ Page title: Tennessee Service Areas: All 95 Counties | Valor Mortgage Valor Mortgage is licensed across the State of Tennessee and lends in all 95 counties, from the Mississippi River to the Great Smoky Mountains. Tennessee is split into three Grand Divisions — **West**, **Middle** and **East**. Hover over a division on the map below (or tap it on a phone) to see every county we serve there. Hover a Grand Division to highlight it — the county under your pointer turns gold, and that division’s county list appears below. Counties outlined in gold have a full mortgage guide: click the county on the map, or its name in the list, to open it. Choose a Grand Division above to list its counties. ## West Tennessee · 21 Counties Between the Tennessee and Mississippi Rivers, anchored by Memphis and Jackson. 21 counties. - Benton County - Carroll County - Chester County - Crockett County - Decatur County - Dyer County - Fayette County - Gibson County - Hardeman County - Hardin County - Haywood County - Henderson County - Henry County - Lake County - Lauderdale County - [Madison County](https://valor.mortgage/mortgage-loans-madison-county-tn/) - McNairy County - Obion County - [Shelby County](https://valor.mortgage/mortgage-loans-shelby-county-tn/) - Tipton County - Weakley County ## Middle Tennessee · 41 Counties The rolling hills and river valleys around Nashville, Clarksville, Murfreesboro and our home office in Springfield. 41 counties. - Bedford County - Cannon County - [Cheatham County](https://valor.mortgage/mortgage-loans-cheatham-county-tn/) - [Ashland City](https://valor.mortgage/mortgage-loans-ashland-city-tn/) - [Kingston Springs](https://valor.mortgage/mortgage-loans-kingston-springs-tn/) - [Pegram](https://valor.mortgage/mortgage-loans-pegram-tn/) - [Pleasant View](https://valor.mortgage/mortgage-loans-pleasant-view-tn/) - Clay County - Coffee County - [Davidson County](https://valor.mortgage/mortgage-loans-davidson-county-tn/) - [Goodlettsville](https://valor.mortgage/mortgage-loans-goodlettsville-tn/) - DeKalb County - Dickson County - Fentress County - Franklin County - Giles County - Grundy County - Hickman County - Houston County - Humphreys County - Jackson County - Lawrence County - Lewis County - Lincoln County - Macon County - Marshall County - Maury County - [Montgomery County](https://valor.mortgage/mortgage-loans-montgomery-county-tn/) - [Clarksville](https://valor.mortgage/mortgage-loans-clarksville-tn/) - [Clarksville mortgage broker](https://valor.mortgage/clarksville-mortgage-broker/) - Moore County - Overton County - Perry County - Pickett County - Putnam County - [Robertson County](https://valor.mortgage/mortgage-loans-robertson-county-tn/) - [Adams](https://valor.mortgage/mortgage-loans-adams-tn/) - [Cedar Hill](https://valor.mortgage/mortgage-loans-cedar-hill-tn/) - [Coopertown](https://valor.mortgage/mortgage-loans-coopertown-tn/) - [Cross Plains](https://valor.mortgage/mortgage-loans-cross-plains-tn/) - [Greenbrier](https://valor.mortgage/mortgage-loans-greenbrier-tn/) - [Millersville](https://valor.mortgage/mortgage-loans-millersville-tn/) - [Orlinda](https://valor.mortgage/mortgage-loans-orlinda-tn/) - [Ridgetop](https://valor.mortgage/mortgage-loans-ridgetop-tn/) - [Springfield](https://valor.mortgage/mortgage-loans-springfield-tn/) - [White House](https://valor.mortgage/mortgage-loans-white-house-tn/) - [Rutherford County](https://valor.mortgage/mortgage-loans-rutherford-county-tn/) - Sequatchie County - Smith County - Stewart County - [Sumner County](https://valor.mortgage/mortgage-loans-sumner-county-tn/) - [Cottontown](https://valor.mortgage/mortgage-loans-cottontown-tn/) - [Gallatin](https://valor.mortgage/mortgage-loans-gallatin-tn/) - [Hendersonville](https://valor.mortgage/mortgage-loans-hendersonville-tn/) - [Portland](https://valor.mortgage/mortgage-loans-portland-tn/) - [Westmoreland](https://valor.mortgage/mortgage-loans-westmoreland-tn/) - Trousdale County - Van Buren County - Warren County - Wayne County - White County - [Williamson County](https://valor.mortgage/mortgage-loans-williamson-county-tn/) - [Wilson County](https://valor.mortgage/mortgage-loans-wilson-county-tn/) ## East Tennessee · 33 Counties The Appalachian ridge-and-valley and Cumberland Mountains, anchored by Knoxville, Chattanooga and the Tri-Cities. 33 counties. - Anderson County - Bledsoe County - Blount County - Bradley County - Campbell County - Carter County - Claiborne County - Cocke County - Cumberland County - Grainger County - Greene County - Hamblen County - [Hamilton County](https://valor.mortgage/mortgage-loans-hamilton-county-tn/) - Hancock County - Hawkins County - Jefferson County - Johnson County - [Knox County](https://valor.mortgage/mortgage-loans-knox-county-tn/) - Loudon County - Marion County - McMinn County - Meigs County - Monroe County - Morgan County - Polk County - Rhea County - Roane County - Scott County - Sevier County - Sullivan County - Unicoi County - Union County - Washington County Do not see your county called out yet? We still lend there. Call [(615) 671-9178](tel:+16156719178), email [christopher@valor.mortgage](mailto:christopher@valor.mortgage), or [book an appointment](https://valor.mortgage/book-your-appointment/) and we will walk you through your options. --- ## Contact Valor Mortgage - Christopher Armantrout, Senior Loan Officer, NMLS #1210804 - Phone: [(615) 671-9178](tel:+16156719178) - Email: [christopher@valor.mortgage](mailto:christopher@valor.mortgage) - Office: 724 S Main St, Springfield, TN 37172 - [Book an appointment](https://valor.mortgage/book-your-appointment/) · [Apply online](https://valor.mortgage/home-application/) · [Contact page](https://valor.mortgage/contact-us/) Valor Mortgage, LLC is powered by Encore Lending Group, LLC, NMLS #1249911 ([NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1249911)). Christopher Armantrout, Loan Officer, NMLS #1210804. Licensed in Tennessee. Equal Housing Opportunity. All loan programs, rates, terms, and conditions are subject to change without notice. Loan approval is based on borrower qualification, credit review, income verification, and property eligibility. Not all applicants will qualify. Not a commitment to lend.