Mortgage lending in Sumner County
6,454 mortgages were originated in Sumner County, Tennessee, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. 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
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $305,000
- Above the going rate (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
- Median home price
- $895,000
- That home, 20% down
- $716,000
A median-priced home with 20% down leaves $313,250 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
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
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Sumner County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 459 | $4,943 | 6.750% |
| United Shore Financial Services, LLC | 459 | $9,184 | 6.124% |
| 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% |
| Loandepot.Com, LLC | 117 | $7,786 | 6.125% |
| Firsttrust Home Loans, Inc. | 117 | $5,608 | 6.490% |
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, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers