Mortgage lending in Rutherford County
9,517 mortgages were originated in Rutherford 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
- 9,517
- Median rate
- 6.500%
- Median lender fees
- $6,735
- Median loan amount
- $305,000
- Median spread over APOR
- 0.200
- Paid discount points
- 44.3%
- Received lender credits
- 23.1%
- Purchases / refinances
- 52.7% / 30.1%
- Conventional / FHA / VA
- 71.9% / 19.1% / 8.4%
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 75.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,029,250
- FHA limit
- $1,029,250
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
Who lent here
Lenders with at least 50 loans in Rutherford County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 662 | $5,604 | 6.625% |
| ASCEND FEDERAL CREDIT UNION | 478 | $1,398 | 7.500% |
| CMG MORTGAGE, INC. | 476 | $9,969 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 475 | $10,281 | 5.999% |
| FirstBank | 374 | $5,371 | 6.750% |
| Pinnacle Bank | 338 | $4,610 | 6.500% |
| FIRST COMMUNITY MORTGAGE, INC. | 287 | $13,327 | 6.250% |
| Primis Mortgage Company | 266 | $8,459 | 6.490% |
| Regions Bank | 253 | $2,345 | 4.990% |
| Loandepot.Com, LLC | 218 | $10,742 | 4.990% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Rutherford County — not a rule of thumb.
From 7,178 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