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Learn About Us and Our Company History

Proudly Part
of the Local Community

21st Mortgage opened its doors in 1995 with a staff of four, which included two of the company's founders; CEO Tim Williams and CFO Rich Ray. Today, the company has more than 800 team members.. 21st Mortgage has contributed to the revitalization of downtown Knoxville and continues to actively participate and support local organizations in and around Tennessee.

Since 2006, 21st Mortgage has been the largest employer of graduates from the University of Tennessee, Maryville College and East Tennessee State University. 21st Mortgage has had a consistent record of operating profitably since opening ... including the challenging recession years from 2008 - 2011.

In December 2003, Clayton Homes acquired 21st Mortgage. 21st Mortgage has become the nation’s largest manufactured home lender originating more than $1.3billion of loans for new and previously owned homes. The company owns and services more than 180,000 mortgages with a value exceeding $9 billion.

Since its beginning, 21st Mortgage has been a market leader in providing innovative loan programs for affordable housing.It offers a variety of finance programs for homebuyers interested in purchasing a manufactured home. It offers its loan programs in meeting the needs of home buyers in forty-six states across America.

Since 2011 the company has won the prestigious National Lender of the Year award by the Manufactured Housing Institute (MHI) a record nine straight years. Simply put, the company has been recognized in each of the last nine years as the best lender in the industry.

Tim Williams, President and CEO, previously served as the Executive Vice President of Clayton Homes and the President of Vanderbilt Mortgage from 1974 until 1995.

Richard B. Ray, CFO, previously served as the Executive Vice President, CFO and Director of Clayton Homes from 1983 to 1994.

Join Our Team

Considering 21st Mortgage as a possible next step in your career? Submit an application today! We are always looking for motivated, dynamic professionals who look to advance in the finance industry.

Frequently Asked Questions


Q. How does 21st Mortgage protect my personal information?
A. 21st Mortgage takes stringent measures to protect your personal information because we know privacy is a concern for all consumers. Once you complete your application it is encrypted for transmission and then kept secure with industry-leading security servers.


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