Mortgage lending in Jackson, TN
4,049 mortgages were originated in the Jackson, TN area in 2025, and here is what they cost.
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
- 4,049
- Median rate
- 6.500%
- Median lender fees
- $5,147
- Median loan amount
- $165,000
- Median spread over APOR
- 0.245
- Paid discount points
- 30.3%
- Received lender credits
- 21.1%
- Purchases / refinances
- 48.6% / 30.8%
- Conventional / FHA / VA
- 68.9% / 19.1% / 9.2%
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 58.2% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Jackson, TN area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Leaders Credit Union | 777 | $1,576 | 6.500% |
| Regions Bank | 256 | $4,100 | 4.990% |
| Rocket Mortgage, LLC | 232 | $5,864 | 6.500% |
| Cadence Bank | 223 | $4,283 | 7.360% |
| Centennial Bank | 163 | — | — |
| FirstBank | 146 | $4,696 | 6.875% |
| FIRST COMMUNITY MORTGAGE, INC. | 144 | $8,837 | 6.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 127 | $8,960 | 6.125% |
| MORTGAGE INVESTORS GROUP, INC. | 118 | $6,490 | 6.490% |
| Simmons Bank | 116 | $4,712 | 6.125% |