21st Mortgage opened its doors in downtown Knoxville 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 grown to more than 800 team members on two campuses. 21st Mortgage has contributed to the revitalization of downtown Knoxville and continues to actively participate and support local organizations in and around Knoxville, TN.