Mortgage lending in Dickson County
1,719 mortgages were originated in Dickson 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
- 1,719
- Median rate
- 6.500%
- Median lender fees
- $6,764
- Median loan amount
- $255,000
- Median spread over APOR
- 0.282
- Paid discount points
- 42.7%
- Received lender credits
- 24%
- Purchases / refinances
- 46.8% / 36.9%
- Conventional / FHA / VA
- 67.1% / 21.3% / 9.9%
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
- $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 Dickson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 137 | $6,064 | 6.375% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 119 | $9,016 | 6.026% |
| First Federal Bank | 98 | — | — |
| FirstBank | 94 | $4,904 | 6.750% |
| Bank of Dickson | 82 | — | — |
| TriStar Bank | 59 | — | — |
| Loandepot.Com, LLC | 58 | $10,078 | 5.990% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Dickson County — not a rule of thumb.
From 1,192 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