

Charles Ricketts
MORTGAGE MARKET PRESIDENT


University of Mississippi
My name is Charles Ricketts and I am a MORTGAGE MARKET PRESIDENT for First Horizon Bank in the Memphis area. First Horizon Bank is committed to making your banking experience the best it can be with innovative, convenient services and helpf...... Show More
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Yes I received your email about the survey. Three times you have emailed me about it. Please stop emailing me
Charles was excellent . I wouldnt have ended up with my dream home without his help. Extremely greatful.
Reply from Charles Ricketts
June 1st, 2026 04:07 PM
Kevin, I'm so pleased to hear that I could help you achieve your dream of owning a home. Your kind words truly mean a lot to me. Thank you for sharing your experience!
Charles has been great! He walked us through every step very patiently. Stacy has been great in her regular communications and follow ups . We feel blessed that we got this team in our first time house buying process.
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Reply from Charles Ricketts
June 1st, 2026 04:08 PM
Supreet, I'm glad to hear that you had a positive house buying experience with us. Your kind words about my assistance and Stacy's communication truly mean a lot. Thank you for trusting us with such an important step in your life.
Womderful service
Reply from Charles Ricketts
June 1st, 2026 04:08 PM
Kayla, I'm pleased to hear you experienced wonderful service. Your kind words mean a lot to me.
Easy and well laid out plan. Helped with acquiring grant money.
Reply from Charles Ricketts
June 1st, 2026 04:09 PM
Andrew, I'm grateful for your positive feedback. It's great to know that you found the plan easy and well-structured and that I could assist you in acquiring grant money. If you need further assistance, feel free to reach out.
Charles is the engine the drives the process. I have worked multiple times with him and he is great
Reply from Charles Ricketts
December 1st, 2025 08:09 PM
Howard and Laura,
Thanks for allowing First Horizon to handle your financing. I hope you enjoy your beautiful home.
We were able to reach someone quickly if we had questions or needed help. Everyone we spoke with was very friendly through the process.
For three different homes mortgages, over the years, our family has chosen Charles Ricketts every time. He is not only the most knowledgeable mortgage loan officer one could find, but he is also truly an amazing person who is patient, professional,...
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Reply from Charles Ricketts
December 1st, 2025 08:12 PM
Shirley , It was fun from my end on handling your loan. Enjoy your home and always feel free to call me with any questions.
Charles made the process easy. I am self employed which is usually a loan nightmare, but his team was great and everything went swimmingly.
Everything. Everyone was Extremely responsive and we were able to accomplish getting our house purchased in Knoxville on a short tome frame without any issues. Will always use Charles and his team for my mortgages and refinances.
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About
My name is Charles Ricketts and I am a MORTGAGE MARKET PRESIDENT for First Horizon Bank in the Memphis area. First Horizon Bank is committed to making your banking experience the best it can be with innovative, convenient services and helpful, knowledgeable people. From your first checking account to the loan you need to build a home or business, we are committed to helping you at every stage of your financial life. Contact me today!
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Medical Professional Mortgages
Fixed Rate Mortgages
DSCR Loans
Cash-Out Refinances
Bank Statement Mortgages
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Education
- University of MississippiBusiness AdministrationMastersAug 1986 -Dec 1987

- University of MississippiFinanceBachelor of Business Administration (BBA)Aug 1982 -May 1986

Positions
- First Horizon - Market PresidentNov 1st, 2015 - Current
Year Started
1988
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 484936
Disclaimer
Banking Products and Services provided by First Horizon Bank. Member FDIC. Equal Housing Lender.