Click to Home
Go To Search
Becoming a THDA-Approved Lender (Originating Agent)

Basic Requirements to becoming a THDA Originating Agent
A THDA-Approved Lender is an independent contractor authorized to originate THDA Mortgage Loans. To become a THDA-Approved Lender, you must complete and submit the entire Application to Become an Originating Agent and submit with required documents listed on the Application Submission Checklist.

Prior to your company’s eligibility to become an authorized THDA Originating Agent (“approved lender”), you will need to enter into a contract with an approved THDA Servicer to service the THDA loans for which you will originate. Currently there is one approved THDA servicer that is purchasing servicing rights to THDA loans from new Originating Agents. You will need to contact the servicer listed below and execute a servicing agreement. When you submit your Application to become a THDA Originating Agent, it must include a copy of a servicing agreement, signed by both your company and the servicer.
U S Bank Home Mortgage 
4801 Frederica St. 
Owensboro, KY 42301 
Attn: Dodie Conder

A THDA-Approved Lender:
  • Must have a physical brick & mortar building in the State of Tennessee.
  • Must have a minimum net worth of $1,000,000.
  • Must be able to originate, process, underwrite and fund their own loans at closing.

A THDA-Approved Lender can expect to perform the following duties and responsibilities: 
  • Establish and maintain eligibility to act as an originating agent for THDA.
  • Originate, process and close THDA Mortgage Loans.
  • Protect THDA's interests with respect to each THDA Mortgage Loan.
  • Insure that all personnel with any responsibility for THDA Mortgage Loans are familiar with and comply, in all respects, with all THDA Requirements and Procedures.
  • Hold all funds or documents received in connection with THDA Mortgage Loans in trust for the sole benefit of THDA and release or disburse such funds or documents.
  • Deliver all required documents after THDA Mortgage Loans are closed.
  • Insure proper and efficient originating, processing and closing of THDA Mortgage Loans and delivery of all required documents and all other services necessary.
  • Assist unsuccessful applicants for THDA funding in identifying other potential sources for mortgage financing.

A THDA-Approved Lender may charge the following fees in connection with a THDA Mortgage Loan:
  • An application fee in an amount not to exceed the amount set forth in the OA Guide.
  • An originating fee to be imposed at the closing of a THDA Mortgage Loan in an amount not to exceed the amount set forth in the OA Guide.
  • Other fees only as expressly authorized in the OA Guide.

For more information , please call 615-815-2100 or contact our mortgage specialists at