Mortgage lending in Washington County
3,415 mortgages were originated in Washington 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
- 3,415
- Median rate
- 6.750%
- Median lender fees
- $5,296
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
- $215,000
- Above the going rate (spread over APOR)
- 0.284
- Paid discount points
- 36%
- Received lender credits
- 24.3%
- Purchases / refinances
- 51.9% / 28.8%
- Conventional / FHA / VA
- 77.2% / 11.4% / 11%
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 70% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $285,000
- That home, 20% down
- $228,000
A median-priced home with 20% down leaves $604,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. 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 Washington County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Eastman Credit Union | 769 | $3,873 | 7.250% |
| Rocket Mortgage, LLC | 211 | $5,691 | 6.500% |
| United Shore Financial Services, LLC | 177 | $6,221 | 6.125% |
| Movement Mortgage, LLC | 171 | $5,211 | 6.500% |
| DHI Mortgage Company, Ltd. | 116 | $2,079 | 6.188% |
| Cardinal Financial Company, Limited Partnership | 96 | $8,410 | 6.750% |
| First Horizon Bank | 90 | — | 7.250% |
| Regions Bank | 75 | — | 4.990% |
| Sierra Pacific Mortgage Company, Inc. | 60 | $8,630 | 6.500% |
| Freedom Mortgage Corporation | 60 | $6,005 | 6.188% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Washington County — not a rule of thumb.
From 2,392 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