First Horizon Bank
8,447 mortgages originated in 2025 across 12 states, and what they cost borrowers.
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
- 8,447
- Median rate
- 6.750%
- Median lender fees
- $5,371
- Median loan amount
- $275,000
- Median spread over APOR
- 0.076
- Paid discount points
- 20.9%
- Received lender credits
- 17.6%
- Purchases / refinances
- 53.2% / 21%
- Conventional / FHA / VA
- 93.6% / 3.8% / 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 60.2% of loans here — see methodology.
Where First Horizon Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Tennessee | 2,513 | $4,529 | 7.250% |
| Louisiana | 1,305 | $5,303 | 6.625% |
| Florida | 1,045 | $7,760 | 6.625% |
| Texas | 905 | $7,259 | 6.375% |
| North Carolina | 690 | $4,229 | 7.250% |
| Arkansas | 628 | $3,969 | 6.500% |
| Georgia | 426 | $5,839 | 6.625% |
| Alabama | 320 | $4,457 | 6.750% |
| Mississippi | 167 | $4,119 | 6.750% |
| Missouri | 110 | $3,677 | 6.625% |
| South Carolina | 108 | $5,284 | 6.625% |
| Virginia | 89 | — | 7.250% |