Outside shot of a Bank of Bartlett location. There is a blue tiger sculpture in the foreground.

Mortgage Officers and Locations

Ignite your life goals with Bank of Bartlett.
Our home mortgage team looks forward to working with you!

Bartlett - Main Office
2860 Stage Village Cove
Bartlett, TN 38134
(901) 382-5999
photo of Vivian SmitheyThe Golden Rule guides Vivian's customer service philosophy, treating her clients as she would want to be treated. Her most prized awards are the collection of personal notes she has received from clients over her 36 year career in mortgage lending.
Loan Originator
NMLS# 479421

photo of Chao Lin
Chao has been a prolific producer in mortgage and banking loans for 12 years due in great part to referrals from pleased clients. A University of Memphis honors graduate, Chao guides his clients through the complicated maze of buying, financing and closing on their homes at the best rates and in the shortest time possible.
NMLS# 945237

photo of Austin Davis

Austin is a Flex Lender at our Main Office, Bartlett branch. A Memphian since 1995, he started his career with Bank of Bartlett as a consumer underwriter before transitioning to mortgage lending. Whether you are a 1st time homebuyer, investor, or a seasoned buyer, he has a product for you!

NMLS# 1513067

photo of Joseline Hoyt
Joseline is a University of Memphis alum and a Lakeland resident. She has been with Bank of Bartlett for 10 years. She specializes in mortgages, refinances, and home equity lines of credit. She also aids businesses obtain credit with her business banking background. Joseline is fluent in Spanish.
NMLS# 936737

officer headshot of Joseph Hunter
Joseph is a life-long Memphian, an alumnus of Germantown High School and Mississippi State University. Joseph's dedication to serving the Collierville market is evident in his focus on creating customer relationships.
NMLS# 2254091

photo of Nancy Krahl

Nancy is a Flex Lender at our Wolfchase Branch. She began her mortgage banking career with Bank of Bartlett in 2015. She has extensive knowledge and experience with mortgage loans for primary, secondary and investment properties as well as Home Equity Loans. Her goal is to provide an exceptional experience for all her customers.
Nancy Krahl
NMLS# 1433838