Mortgage lending in Bradley County
2,671 mortgages were originated in Bradley County, Tennessee, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,671
- Median rate
- 6.500%
- Median lender fees
- $5,851
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $225,000
- Above the going rate (spread over APOR)
- 0.270
- Paid discount points
- 36.6%
- Received lender credits
- 21.1%
- Purchases / refinances
- 51.7% / 32.2%
- Conventional / FHA / VA
- 68.5% / 19.8% / 10.9%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 69.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $280,000
- That home, 20% down
- $224,000
A median-priced home with 20% down leaves $608,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Bradley County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 193 | $6,634 | 6.625% |
| CMG Mortgage, Inc. | 132 | $7,240 | 6.625% |
| Regions Bank | 128 | — | 4.990% |
| Tennessee Valley FCU | 118 | $4,230 | 7.628% |
| Bank of Cleveland | 116 | — | — |
| First Citizens National Bank | 111 | $3,400 | 6.875% |
| United Shore Financial Services, LLC | 94 | $7,262 | 5.999% |
| DHI Mortgage Company, Ltd. | 94 | $2,961 | 5.500% |
| United Community Bank | 89 | $4,935 | 6.500% |
| FirstBank | 67 | $4,516 | 6.625% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Bradley County — not a rule of thumb.
From 1,850 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers