Mortgage lending in Knox County
13,458 mortgages were originated in Knox 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
- 13,458
- Median rate
- 6.500%
- Median lender fees
- $6,373
- Median loan amount
- $255,000
- Median spread over APOR
- 0.202
- Paid discount points
- 39.2%
- Received lender credits
- 20.3%
- Purchases / refinances
- 51.3% / 29.9%
- Conventional / FHA / VA
- 78.3% / 13.4% / 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 69.5% 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 Knox County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 948 | $6,013 | 6.625% |
| MORTGAGE INVESTORS GROUP, INC. | 822 | $6,650 | 6.500% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | 699 | $5,422 | 5.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 691 | $8,430 | 6.125% |
| Home Federal Bank of Tennessee | 571 | $6,169 | 5.990% |
| ORNL | 450 | $6,503 | 7.500% |
| Regions Bank | 431 | $3,367 | 4.990% |
| First Horizon Bank | 336 | $4,999 | 7.250% |
| Y-12 Federal Credit Union | 330 | $5,667 | 7.250% |
| Fairway Independent Mortgage Corporation | 326 | $6,993 | 6.625% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Knox County — not a rule of thumb.
From 9,360 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