Tonya Kirkwood

Tonya Kirkwood

Mortgage Loan Officer

NMLS #450313

1000 Union University Dr
Jackson, TN 38305
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Finding the right home loan can be tough. It’s important to work with a mortgage officer who understands the Jackson, Tennessee market. Tonya Kirkwood is a mortgage lender in the Jackson area. Let Tonya and her BancorpSouth team help you select the right mortgage for you.

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19 years in the financial industry with 15 years in mortgage lending specifically. Great knowledge with all types of loans and Management and Operational Experience in Mortgage Lending.

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BancorpSouth was named as one of America's Top Companies by Forbes in 2009.

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Nationwide Mortgage Licensing System & Registry (NMLS) certified in Tennessee.


"Very detail-oriented. The best in the business." -Karen Down, Finance Professional

"Tonya is a detailed oriented professional with a passion to serve her customers. Tonya is very smart and works hard to create value for her customers, clients, business partners and her company." -David Crockett, Finance Professional

"Tonya sent me updates on the loan at least once a week. If I had questions she made sure I had answers." -Andrea Goolsby, REALTOR RE/MAX Unlimited Northwest

"Tonya worked hard to get the deal done under a difficult scenario." -Joshua Arnold, Realtor/Broker/Prop. Mngr./Ins. Producer at LA REALTY LLC.

"Tonya was the ultimate professional at all times. She was always updating me on the status of my loan and always seemed 2 steps ahead of the process. She was excellent to work with and talk to, very personable and kind in her dealings with me. I couldn't have asked for a better/smoother refinance." -Todd Jarman

"Tonya has closed numerous loans for many of my clients. She is a get it done type, who works hard and is there when you need her. She is also very knowledgeable of the different loan products offered and she keeps up with the changing times." -Winnie Ingram, Century 21 Realtor

“If you want a Reputable Lender, someone that will take care of your clients and get the loan closed on time. Just call Tonya. She is the best. Tonya is on every lender referal that i give to my clients and i am extremely particular about whom I refer. She has never let me of my clients down... not even once.... There is none better. Stop wasting time and call her." -Randall Renfroe, Realtor

"Tonya is very dedicated to her clients and she works so hard to successfully close any and all transactions. I have contacted Tonya on weekends and holidays and she has always been there for me. Her knowledge goes above and beyond in the mortgage market. She informs me of anything that is related to my clients. I would recommend tonya for any and all mortgage deals." -Sandra Carter, Broker at Century 21 Action Realty

"I have known Tonya for many years both personally and professionally. She has always been straightforward and truthful in whatever she does. She is to the point and takes care of her customers." -Tami Reid, Hickman Realty Group Inc.