Mortgage lending in Montgomery County
8,303 mortgages were originated in Montgomery 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
- 8,303
- Median rate
- 6.250%
- Median lender fees
- $6,333
- Median loan amount
- $275,000
- Median spread over APOR
- -0.059
- Paid discount points
- 52.1%
- Received lender credits
- 27.4%
- Purchases / refinances
- 55.1% / 32.3%
- Conventional / FHA / VA
- 42.1% / 13.6% / 44.1%
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 80.2% 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 Montgomery County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Mortgage Research Center, LLC | 793 | $5,066 | 6.125% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 622 | $6,432 | 5.750% |
| Fortera Federal Credit Union | 515 | $395 | 7.500% |
| GUARANTEED RATE, INC. | 455 | $6,567 | 6.225% |
| Rocket Mortgage, LLC | 434 | $6,007 | 6.313% |
| Navy Federal Credit Union | 254 | $3,172 | 7.545% |
| FREEDOM MORTGAGE CORPORATION | 249 | $4,539 | 6.000% |
| ALTRA Federal Credit Union | 204 | $3,689 | 6.683% |
| PENNYMAC LOAN SERVICES, LLC | 204 | $7,620 | 5.750% |
| Broker Solutions, Inc. | 187 | $9,407 | 6.375% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Montgomery County — not a rule of thumb.
From 6,660 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