Mortgage lending in Davidson County
16,327 mortgages were originated in Davidson County, Tennessee, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 16,327
- Median rate
- 6.575%
- Median lender fees
- $5,944
- Median loan amount
- $325,000
- Median spread over APOR
- 0.139
- Paid discount points
- 37.4%
- Received lender credits
- 23.5%
- Purchases / refinances
- 55.6% / 28.4%
- Conventional / FHA / VA
- 84.5% / 11.3% / 4.2%
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 69.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,029,250
- FHA limit
- $1,029,250
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. How limits work
Who lent here
Lenders with at least 50 loans in Davidson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 904 | $6,095 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 729 | $9,610 | 6.125% |
| Regions Bank | 640 | $2,444 | 4.990% |
| Pinnacle Bank | 601 | $3,620 | 6.375% |
| CMG MORTGAGE, INC. | 579 | $11,047 | 6.625% |
| Legacy Home Loans, LLC | 484 | $3,698 | 6.500% |
| FirstBank | 458 | $4,683 | 6.750% |
| Old National Bank | 352 | $4,304 | 6.375% |
| Bank of America, National Association | 333 | $3,986 | 5.990% |
| CROSSCOUNTRY MORTGAGE, INC. | 303 | $8,063 | 6.750% |
What lenders charged here
Lender fees on a $325,000 loan, based on what was actually charged in Davidson County — not a rule of thumb.
From 11,402 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers