Mortgage lending in Wilson County
5,307 mortgages were originated in Wilson 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
- 5,307
- Median rate
- 6.490%
- Median lender fees
- $5,851
- Median loan amount
- $335,000
- Median spread over APOR
- 0.134
- Paid discount points
- 43.8%
- Received lender credits
- 26.4%
- Purchases / refinances
- 55.7% / 27.9%
- Conventional / FHA / VA
- 74.9% / 15.7% / 9.1%
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 76% 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 Wilson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| WILSON BANK AND TRUST | 366 | $3,260 | 7.245% |
| Rocket Mortgage, LLC | 327 | $5,462 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 269 | $8,850 | 6.099% |
| DHI MORTGAGE COMPANY, LTD. | 236 | $2,262 | 5.500% |
| FirstBank | 144 | $4,771 | 6.625% |
| CMG MORTGAGE, INC. | 127 | $9,083 | 6.563% |
| Regions Bank | 125 | — | 4.990% |
| INSPIRE HOME LOANS INC. | 122 | $4,955 | 5.375% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 117 | $7,610 | 6.490% |
| Loandepot.Com, LLC | 113 | $9,839 | 5.375% |
What lenders charged here
Lender fees on a $335,000 loan, based on what was actually charged in Wilson County — not a rule of thumb.
From 4,031 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