Building Relationships
Building Futures

Purchasing a home is all about building relationships – for you, your future, and your family. We understand it’s far more than just a home, and we’re far more than just mortgage lenders. When you partner with Lineage, you get a dedicated team that makes your priorities our priorities, your problems our problems, and your needs our needs. We focus on building a relationship, so you can focus on building your future.

You Make it Happen. We Make it Possible.

Our team has decades of experience helping Middle Tennesseans achieve their home ownership goals, and we look forward to helping you achieve yours. Click any ‘apply with’ button below to submit your mortgage loan application in as little as 15 minutes.

Stephen Lewis

EVP, Mortgage Sales Manager

A past President of the Middle Tennessee Mortgage Bankers Association with 30 years of experience in residential lending, Stephen puts his experience and product knowledge to work for you by selecting the best products available to fit your needs. He specializes in all mortgage loans, including Conventional, FHA, VA, THDA, Rural Development, First Time Homebuyers, Construction/ Perm loans.

NMLS # 586737
Office: 615-349-1422
Cell: 615-289-7634

Bart Land

VP, Senior Mortgage Originator

With over 2 decades of mortgage lending experience and a lifelong Williamson County resident, Bart Land loves the community banking atmosphere where customer service is key and customers are known by name. He understands how exciting buying a home can be and will do everything he can to make sure it is a smooth transaction. You can contact Bart seven days a week with your mortgage questions.

NMLS # 590285
Office: 615-349-1423
Cell: 615-812-2796

Derrick Cozart

VP, Senior Mortgage Originator

Derrick Cozart has helped hundreds of first-time home buyers to private wealth clients achieve their goal of homeownership with a unique understanding of each individual’s specific financial needs. With over 20 years of experience originating residential purchase and refinance loans, Derrick has a vast array of knowledge and experience in this ever-changing mortgage environment.

NMLS # 659281
Office: 615-349-1425
Cell: 615-477-7259

Ted Witkus

Senior Mortgage Originator

Ted Witkus has over 25 years of experience originating residential mortgage loans. He specializes in purchases & refinancing FHA, VA, THDA, USDA, and construction/perm loans. Ted has operated his own mortgage company for over seven years. He has enjoyed helping hundreds of families achieve their financial goals through purchasing a home.

NMLS # 659281
Office: 615-349-1425
Cell: 615-477-7259

Our Customers’ Stories

“I have purchased two homes with Stephen. Each time, he made the daunting process so easy and convenient. I was able to get all my documents signed and sent over remotely. He had everything we needed completed ahead of schedule for closing. Stephen will be my first call when we decide to move again!”

Morgan C.

“Bart exceeded all my expectations when my wife and I purchased our home and moved to Tennessee. He is very knowledgeable and gave us loan options that best fit our financial situation. The communication was stellar, always prompted email responses and phone calls. We felt well taken care of and informed every step of the way. Our closing went smoothly, and we are so happy in our home. I would refer Bart to all my friends and not hesitate to call him again for any of our mortgage needs.”

David L.

“Working with Derrick and the team made our entire mortgage process worry-free and we couldn’t have asked for it to have gone any better! It can be one of the more stressful aspects of the home buying process, but the responsiveness and attention that we received made it be one thing that we never had to worry about. Derrick was super responsive to every question we had as we looked for our next home, and once we found it, the team made the rest of the process a breeze!”

Daniel C.

“As first-time homebuyers, we had no idea what we were doing. Thankfully, Stephen walked us through every step and helped us buy our first home. I would recommend Stephen to any first-time homebuyer.”

Reed B.

“Bart recently handled the refinance of our home. The process for submitting our documents and information was very user friendly. Bart and his team kept us informed personally as well. In a world full of technology, it was so nice to talk through things on the phone. He answered all of our questions and helped us pick the best loan product for the result we were looking for. He exceeded our expectations. I have recommended him to a few friends who had the same outstanding experience.”

Pam S.

“Derrick, Leigh, and the team are amazing! Great communication from start to finish throughout the home buying process. I would get check-in calls and emails before I even thought to ask if they needed anything else. Our rate was locked in at the exact right time, and underwriting could not have gone smoother with Leigh’s help. We highly recommend Derrick and the Lineage Bank team! A++ Service!”

Owen O.

Shop Local. Spend Local. Bank Local.

Get a glimpse into what it’s like to bank at Franklin’s only locally owned bank.

Downtown Branch:

120 5th Ave N, Franklin, TN 37064

Cool Springs Branch:

3359 Aspen Grove Dr, Franklin, TN 37067

Let’s Talk About Your Home Ownership Goals

We understand not everyone is ready to gather their documents and submit an application, and that’s perfectly fine with us.
Fill out the form below and a member of our team will contact you to discuss your needs and help you get on the road to home ownership.
No obligations. No strings attached.