David Umsted

Vice President/Mortgage Lending

David brings over 15 years of mortgage experience to our team. A known leader in the field, his in depth knowledge of the loan process and proven service record is what sets him apart from the competition. He understands how to navigate his clients through the mortgage process for smooth and accurate closings. With David, you get more than just a loan officer, you get a trusted mortgage professional that can help you build personal wealth, one month at a time. 

Welcome! Please browse my website, check out the different loan programs and terms we have available. If you have any questions or need advice about home financing, please contact me. Or, if you're ready to apply, use my secure, connected online application to get started. After you've applied, I'll call you to discuss the details of your loan, or you can click the "get assistance" button below to set up an appointment with me. As always, you may contact me anytime by phone or email for personalized service and expert advice. I look forward to working with you.

[David has a Bachelors in Business administration from Millsaps College and is also a graduate of Christian Brothers University’s Certificate in Financial Planning Program. He is a past president of the Memphis Mortgage Bankers Association and has served on the Board of Directors for the Tennessee Mortgage Bankers Association.]
NMLS ID 176276

Cell 901.746.5311

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"I have used David for two home purchases and two refinances. David and his staff at Triumph are a joy to work with"

- excerpted from reviews on 

Don't let rising interest rates spoil your home buying plans.
Lock in rates while home shopping for up to 30 days, plus get an additional 30 days of lock protection to close.
Interest rates have been on the increase lately and that trend could continue. For those shopping for a new home, its unsettling not to know what rates and monthly payments will be once you find one.
We are pleased to introduce more certainty to home buying with our RateShield+ program. You can now lock an interest up to a month before finding and contracting to buy a home. Once your purchase contract is accepted, we then extend the rate protection to allow time to close. 
RateShield+℠  is part of our comprehensive approach to offer the smoothest homebuying experience ever.
Step one is our online pre-approval process where you will receive a verified pre-approval letter.
Once pre-approved you can lock your rate for up to 30 days while you look for the perfect home. When you find a home, we extend the lock coverage up to an additional 30 days to close.

Terms and conditions apply. Interest rates are locked exclusively via written agreement only for approved and pre-approved applicants. Once an interest rate is locked, loan program changes are not permitted. Property must be acceptable for the financing guidelines of the applicable mortgage program. Owner-occupied residences only. Offer not available in all states.

Local mortgage service, no matter where you call home.

Triumph Bank is first and foremost a REAL community bank and a direct lender. We’re based in Tennessee and make home loans across much of the country (40 states).


We’re also approved with many governmental mortgage agencies and insurers including: Freddie Mac, the Federal Home Loan Bank, FHA, VA and USDA Rural Housing.


We have access to all the best loan programs just like the big banks with much less bureaucracy and overhead so we can deliver great rates AND great service.


Home loans are a big part of our business and although we make loans in many states, we still treat each and every customer like a neighbor - It's just how we do business and part of the culture of our bank.

Go ahead. Pack those boxes. Your closing date is guaranteed.

When closing on a new home, many pieces all come together at once. Moving trucks, school admissions, time off work, seller's schedules, etc. can all come to a grinding halt if the financing is not ready.

We understand how critical being able to close on time can be and decided to act boldly by guaranteeing a closing date for most purchase loans.

Simply put, we will issue a closing date guarantee certificate which states clearly when your loan can close. If we cannot deliver on that date, we will pay $1,000 toward your first monthly payment. (Subject to conditions.)

So go ahead, get ready to move. We'll hold up our end and ensure your home loan is ready.

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Triumph Bank Home Loans

1125 Schilling Blvd. East  |  Collierville, Tennessee 38017

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Interest rates and/or loan terms, when shown (or quoted via form submissions) on this site are not an approval or offer of credit - All loans are subject to qualification based on the applicable lending standards of Triumph Bank and/or private or governmental mortgage investors, issuers, guarantors and insurers. We do not lend in NY, CA, AZ, NM, NV, MT, ID, WA, OR, AK and HI. Property insurance required.


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