Mortgage lending in Putnam County
1,842 mortgages were originated in Putnam 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
- 1,842
- Median rate
- 6.750%
- Median lender fees
- $5,414
- Median loan amount
- $235,000
- Median spread over APOR
- 0.310
- Paid discount points
- 35.8%
- Received lender credits
- 19.2%
- Purchases / refinances
- 49% / 34.7%
- Conventional / FHA / VA
- 73.9% / 15.1% / 9.9%
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 Putnam County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| One Bank of Tennessee | 234 | $1,087 | 6.950% |
| Rocket Mortgage, LLC | 124 | $6,305 | 6.375% |
| Citizens Bank of Lafayette | 107 | — | 7.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 95 | $9,414 | 6.125% |
| UNION HOME MORTGAGE CORP. | 88 | $6,039 | 6.563% |
| Regions Bank | 72 | — | 4.990% |
| DHI MORTGAGE COMPANY, LTD. | 56 | $5,982 | 4.990% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 54 | $5,410 | 6.625% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Putnam County — not a rule of thumb.
From 1,269 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