Mortgage lending in Davidson County
16,327 mortgages were originated in Davidson 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
- 16,327
- Median rate
- 6.575%
- Median lender fees
- $5,944
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
- $325,000
- Above the going rate (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
- Median home price
- $895,000
- That home, 20% down
- $716,000
A median-priced home with 20% down leaves $313,250 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
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
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 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, 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