Mortgage lending in Johnson City, TN
4,895 mortgages were originated in the Johnson City, TN area in 2025, and here is what they cost.
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
- 4,895
- Median rate
- 6.750%
- Median lender fees
- $5,315
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
- $205,000
- Above the going rate (spread over APOR)
- 0.336
- Paid discount points
- 35.7%
- Received lender credits
- 23.9%
- Purchases / refinances
- 51.8% / 28.9%
- Conventional / FHA / VA
- 75.6% / 12.4% / 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 69.8% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Johnson City, TN area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Eastman Credit Union | 1,048 | $3,791 | 7.250% |
| Rocket Mortgage, LLC | 315 | $5,796 | 6.500% |
| Movement Mortgage, LLC | 279 | $5,394 | 6.625% |
| United Shore Financial Services, LLC | 258 | $6,399 | 6.125% |
| Cardinal Financial Company, Limited Partnership | 143 | $8,409 | 6.750% |
| DHI Mortgage Company, Ltd. | 117 | $2,087 | 6.250% |
| Bank of Tennessee | 116 | $5,110 | 6.875% |
| Regions Bank | 115 | $1,758 | 4.990% |
| First Horizon Bank | 106 | — | 7.072% |
| Elizabethton Federal Savings Bank | 101 | — | — |