Mortgage lending in Macon County
812 mortgages were originated in Macon 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
- 812
- Median rate
- 6.690%
- Median lender fees
- $6,825
- Median loan amount
- $215,000
- Median spread over APOR
- 0.374
- Paid discount points
- 36.8%
- Received lender credits
- 21.3%
- Purchases / refinances
- 54.6% / 34.2%
- Conventional / FHA / VA
- 61.6% / 23% / 10.7%
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 66.3% 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 Macon County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Citizens Bank of Lafayette | 95 | — | 7.650% |
| Macon Bank and Trust Company | 93 | — | — |
| Rocket Mortgage, LLC | 76 | $6,395 | 6.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 54 | — | 6.499% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Macon County — not a rule of thumb.
From 538 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