Mortgage lending in Sullivan County
4,205 mortgages were originated in Sullivan 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
- 4,205
- Median rate
- 6.750%
- Median lender fees
- $5,099
- Median loan amount
- $185,000
- Median spread over APOR
- 0.394
- Paid discount points
- 36.2%
- Received lender credits
- 23.9%
- Purchases / refinances
- 53.1% / 28%
- Conventional / FHA / VA
- 71.7% / 17.5% / 10.6%
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 71.6% 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 Sullivan County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| EASTMAN CREDIT UNION | 1,014 | $3,522 | 7.250% |
| Rocket Mortgage, LLC | 261 | $5,942 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 227 | $7,532 | 6.124% |
| MOVEMENT MORTGAGE, LLC | 192 | $5,223 | 6.750% |
| DHI MORTGAGE COMPANY, LTD. | 134 | $2,103 | 5.990% |
| Regions Bank | 101 | — | 4.990% |
| MORTGAGE INVESTORS GROUP, INC. | 96 | $6,058 | 6.495% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 91 | $7,891 | 6.750% |
| Mortgage Research Center, LLC | 87 | $3,832 | 6.250% |
| First Horizon Bank | 76 | — | 7.250% |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in Sullivan County — not a rule of thumb.
From 3,012 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