Mortgage lending in Shelby County
14,545 mortgages were originated in Shelby 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
- 14,545
- Median rate
- 6.625%
- Median lender fees
- $5,852
- Median loan amount
- $195,000
- Median spread over APOR
- 0.200
- Paid discount points
- 34%
- Received lender credits
- 21%
- Purchases / refinances
- 53.6% / 31.2%
- Conventional / FHA / VA
- 73.9% / 17.4% / 8.7%
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 64.1% 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 Shelby County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 838 | $5,499 | 6.688% |
| Pinnacle Bank | 767 | $4,844 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 640 | $8,857 | 6.125% |
| COMMUNITY MORTGAGE CORPORATION | 563 | $6,821 | 6.375% |
| Regions Bank | 546 | — | 4.990% |
| Cadence Bank | 537 | $5,333 | 6.500% |
| First Horizon Bank | 463 | $4,685 | 7.130% |
| GUARANTEED RATE, INC. | 331 | $8,850 | 6.375% |
| CROSSCOUNTRY MORTGAGE, INC. | 296 | $9,465 | 6.600% |
| Patriot Bank | 287 | $5,134 | 6.250% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Shelby County — not a rule of thumb.
From 9,319 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