Mortgage lending in Robertson County
2,533 mortgages were originated in Robertson 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
- 2,533
- Median rate
- 6.500%
- Median lender fees
- $5,986
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
- $285,000
- Above the going rate (spread over APOR)
- 0.218
- Paid discount points
- 45%
- Received lender credits
- 24.5%
- Purchases / refinances
- 52.8% / 32.4%
- Conventional / FHA / VA
- 64.7% / 22% / 12.1%
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 77.9% 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 Robertson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 207 | $8,203 | 5.999% |
| Rocket Mortgage, LLC | 174 | $5,553 | 6.625% |
| DHI Mortgage Company, Ltd. | 112 | $2,286 | 5.375% |
| The Farmers Bank | 99 | $3,416 | 7.500% |
| NVR Mortgage Finance, Inc. | 95 | $8,654 | 5.990% |
| Heritage Mortgage, LLC | 86 | $576 | 6.500% |
| Firsttrust Home Loans, Inc. | 78 | $4,375 | 6.625% |
| Regions Bank | 68 | — | 4.990% |
| F&M Bank | 65 | — | 7.500% |
| CMG Mortgage, Inc. | 64 | $7,486 | 6.563% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Robertson County — not a rule of thumb.
From 1,974 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