Mortgage lending in Hamilton County
9,713 mortgages were originated in Hamilton 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
- 9,713
- Median rate
- 6.625%
- Median lender fees
- $5,654
- Median loan amount
- $255,000
- Median spread over APOR
- 0.234
- Paid discount points
- 37.4%
- Received lender credits
- 20.8%
- Purchases / refinances
- 51.9% / 29.9%
- Conventional / FHA / VA
- 79.6% / 12.4% / 7.8%
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 68.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Hamilton County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| TENNESSEE VALLEY FCU | 678 | $5,127 | 6.627% |
| Rocket Mortgage, LLC | 644 | $5,332 | 6.625% |
| Regions Bank | 473 | — | 4.990% |
| FirstBank | 470 | $5,665 | 6.750% |
| MOVEMENT MORTGAGE, LLC | 354 | $5,592 | 6.625% |
| UNION HOME MORTGAGE CORP. | 341 | $6,899 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 322 | $8,993 | 6.003% |
| CMG MORTGAGE, INC. | 317 | $5,798 | 6.625% |
| Truist Bank | 292 | $4,741 | 6.612% |
| First Horizon Bank | 195 | $4,711 | 7.250% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Hamilton County — not a rule of thumb.
From 6,692 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