Mortgage lending in Macon County
812 mortgages were originated in Macon 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
- 812
- Median rate
- 6.690%
- Median lender fees
- $6,825
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
- $215,000
- Above the going rate (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
- 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 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, 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