Mortgage lending in Roane County
1,729 mortgages were originated in Roane 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
- 1,729
- Median rate
- 6.625%
- Median lender fees
- $6,748
- Median loan amount
- $225,000
- Median spread over APOR
- 0.284
- Paid discount points
- 41.1%
- Received lender credits
- 23.2%
- Purchases / refinances
- 49.9% / 32.2%
- Conventional / FHA / VA
- 66.7% / 19.9% / 11.6%
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 73.5% 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 Roane County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 148 | $6,347 | 6.500% |
| MORTGAGE INVESTORS GROUP, INC. | 129 | $7,035 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 95 | $7,584 | 6.250% |
| ORNL | 84 | — | 7.000% |
| Y-12 Federal Credit Union | 66 | — | 7.250% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | 65 | — | 5.990% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Roane County — not a rule of thumb.
From 1,271 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