Mortgage lending in Sumner County
6,454 mortgages were originated in Sumner 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
- 6,454
- Median rate
- 6.500%
- Median lender fees
- $6,496
- Median loan amount
- $305,000
- Median spread over APOR
- 0.176
- Paid discount points
- 44.8%
- Received lender credits
- 25.1%
- Purchases / refinances
- 53.7% / 30.2%
- Conventional / FHA / VA
- 72.6% / 17.3% / 9.3%
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 74.5% 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 Sumner County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 459 | $9,184 | 6.124% |
| Rocket Mortgage, LLC | 459 | $4,943 | 6.750% |
| CMG MORTGAGE, INC. | 290 | $9,908 | 6.500% |
| Regions Bank | 162 | — | 4.990% |
| The Farmers Bank | 142 | $3,207 | 7.750% |
| NVR Mortgage Finance, Inc. | 129 | $6,982 | 6.000% |
| Volunteer State Bank | 122 | — | — |
| CROSSCOUNTRY MORTGAGE, INC. | 120 | $8,247 | 6.625% |
| FIRSTTRUST HOME LOANS, INC. | 117 | $5,608 | 6.490% |
| Loandepot.Com, LLC | 117 | $7,786 | 6.125% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Sumner County — not a rule of thumb.
From 4,806 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