Mortgage lending in Knoxville, TN
25,969 mortgages were originated in the Knoxville, 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
- 25,969
- Median rate
- 6.515%
- Median lender fees
- $6,416
- Median loan amount
- $255,000
- Median spread over APOR
- 0.232
- Paid discount points
- 39.7%
- Received lender credits
- 21.2%
- Purchases / refinances
- 50.9% / 31%
- Conventional / FHA / VA
- 75% / 14.7% / 9.4%
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 Knoxville, TN area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 1,882 | $6,006 | 6.625% |
| MORTGAGE INVESTORS GROUP, INC. | 1,580 | $6,645 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,347 | $8,844 | 6.125% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | 1,136 | $5,330 | 5.990% |
| ORNL | 912 | $6,574 | 7.460% |
| Y-12 Federal Credit Union | 838 | $5,120 | 7.250% |
| Home Federal Bank of Tennessee | 753 | $6,075 | 5.990% |
| Regions Bank | 734 | $2,062 | 4.990% |
| Fairway Independent Mortgage Corporation | 495 | $6,993 | 6.625% |
| First Horizon Bank | 489 | $4,793 | 7.250% |