Mortgage lending in Smith County
567 mortgages were originated in Smith 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
- 567
- Median rate
- 6.625%
- Median lender fees
- $6,293
- Median loan amount
- $245,000
- Median spread over APOR
- 0.375
- Paid discount points
- 42.3%
- Received lender credits
- 24.7%
- Purchases / refinances
- 48.7% / 35.4%
- Conventional / FHA / VA
- 65.4% / 19% / 12.9%
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 68.1% 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 Smith County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| CITIZENS BANK | 83 | — | — |
| WILSON BANK AND TRUST | 54 | — | 6.990% |
What lenders charged here
Lender fees on a $245,000 loan, based on what was actually charged in Smith County — not a rule of thumb.
From 386 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