What people paid for mortgages in Davidson County, TN (2025)
Across 7,456 closed home-purchase loans in 2025, the median interest rate in Davidson was 6.375%, and the middle half of borrowers got between 6% and 6.75%. Median total loan costs ran $6,260 on a median loan of $405,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.375%
- Middle half of rates
- 6%–6.75%
- Median total loan costs
- $6,260
- Median loan amount
- $405,000
7,456 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $7,087
- Median loan amount
- $335,000
2,792 loans, 2025.
Lowest median rates in Davidson (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.Loandepot.Com, LLC4.99%184 loans, median costs $12,425
- 2.DHI MORTGAGE COMPANY, LTD.5.375%32 loans, median costs $3,170
- 3.ASCEND FEDERAL CREDIT UNION5.625%54 loans, median costs $2,718
- 4.Morgan Stanley Private Bank, National Association5.862%44 loans, median costs $2,537
- 5.NVR Mortgage Finance, Inc.5.99%183 loans, median costs $6,104
Among lenders with at least 30 closed purchase loans in Davidson County in 2025.
Refinance
- 1.Bank of America, National Association5.75%33 loans, median costs $3,986
- 2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.99%281 loans, median costs $10,081
- 3.PENNYMAC LOAN SERVICES, LLC5.99%114 loans, median costs $9,679
- 4.Loandepot.Com, LLC5.995%52 loans, median costs $8,244
- 5.AmeriSave Mortgage Corporation6.062%30 loans, median costs $12,656
Among lenders with at least 30 closed refinance loans in Davidson County in 2025.
Lender by lender in Davidson
Every lender that closed at least 5 qualifying loans in Davidson County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | CMG MORTGAGE, INC. | 407 | 6.49% | $11,624 | $5,416 | $4,655 |
| 2 | Legacy Home Loans, LLC | 399 | 6.5% | $4,047 | $1,195 | $3,172 |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 370 | 6.412% | $9,485 | $4,730 | $3,545 |
| 4 | Rocket Mortgage, LLC | 257 | 6.375% | $6,701 | $3,827 | $3,436 |
| 5 | FirstBank | 245 | 6.625% | $4,783 | $1,350 | $2,349 |
| 6 | Pinnacle Bank | 238 | 6.25% | $5,230 | $1,714 | $5,445 |
| 7 | GUARANTEED RATE, INC. | 218 | 6.5% | $7,041 | $3,445 | $3,705 |
| 8 | Old National Bank | 210 | 6.375% | $4,298 | $1,100 | $1,240 |
| 9 | CROSSCOUNTRY MORTGAGE, INC. | 188 | 6.625% | $8,604 | $4,984 | $4,811 |
| 10 | Loandepot.Com, LLC | 184 | 4.99% | $12,425 | $3,249 | $4,193 |
| 11 | NVR Mortgage Finance, Inc. | 183 | 5.99% | $6,104 | $2,457 | $11,501 |
| 12 | Cadence Bank | 171 | 6% | $5,209 | $1,370 | $3,640 |
| 13 | JPMorgan Chase Bank, National Association | 170 | 6.433% | $3,972 | $1,314 | $3,391 |
| 14 | SWBC MORTGAGE CORPORATION | 154 | 6.625% | $1,547 | $0 | $2,850 |
| 15 | Primis Mortgage Company | 142 | 6.375% | $6,572 | $1,677 | $4,049 |
| 16 | CHURCHILL MORTGAGE CORPORATION | 111 | 6.75% | $6,932 | $2,854 | $3,364 |
| 17 | Ameris Bank | 107 | 6.5% | $5,880 | $1,575 | $1,642 |
| 18 | First Horizon Bank | 106 | 6.375% | $4,815 | $1,250 | $3,165 |
| 19 | Bank of America, National Association | 102 | 6% | $3,765 | $1,478 | $2,359 |
| 20 | U.S. Bank National Association | 100 | 6.433% | $6,362 | $2,160 | $2,686 |
| 21 | Renasant Bank | 99 | 6.25% | $6,768 | $2,701 | $4,390 |
| 22 | MOVEMENT MORTGAGE, LLC | 96 | 6.5% | $8,056 | $2,810 | $2,549 |
| 23 | WILSON BANK AND TRUST | 91 | 6.5% | $5,913 | $3,184 | $7,118 |
| 24 | GUILD MORTGAGE COMPANY | 85 | 6.625% | $12,089 | $5,708 | $4,972 |
| 25 | FIRST COMMUNITY MORTGAGE, INC. | 74 | 6.5% | $8,699 | $4,569 | $3,739 |
| 26 | MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 6.125% | $6,605 | $1,932 | $3,144 |
| 27 | Regions Bank | 65 | 6.375% | $4,883 | $1,050 | $1,943 |
| 28 | Mortgage Research Center, LLC | 63 | 6.125% | $3,251 | $0 | $1,743 |
| 29 | Fairway Independent Mortgage Corporation | 62 | 6.625% | $7,518 | $3,195 | $4,424 |
| 30 | AMERICAN PACIFIC MORTGAGE CORPORATION | 58 | 6.75% | $8,121 | $5,025 | $3,666 |
| 31 | MORTGAGE INVESTORS GROUP, INC. | 55 | 6.625% | $5,704 | $1,470 | $1,938 |
| 32 | PENNYMAC LOAN SERVICES, LLC | 55 | 6.25% | $8,650 | $3,376 | $1,732 |
| 33 | ASCEND FEDERAL CREDIT UNION | 54 | 5.625% | $2,718 | $595 | $3,563 |
| 34 | VANDERBILT MORTGAGE AND FINANCE, INC. | 53 | 6.25% | $9,628 | $2,995 | $4,929 |
| 35 | Northpointe Bank | 52 | 6.5% | $7,109 | $2,668 | $2,398 |
| 36 | Studio Bank | 51 | 6.5% | $5,184 | $1,399 | $3,655 |
| 37 | Truist Bank | 49 | 6.115% | $4,219 | $1,250 | $1,036 |
| 38 | Ixonia Bank | 45 | 6.625% | $8,053 | $4,276 | $2,719 |
| 39 | United Community Bank | 45 | 6.375% | $7,719 | $3,169 | $4,008 |
| 40 | Morgan Stanley Private Bank, National Association | 44 | 5.862% | $2,537 | $815 | n/a |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Davidson figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Davidson County in 2025?
The median interest rate on closed home-purchase loans in Davidson County, Tennessee in 2025 was 6.375%, across 7,456 first-lien, owner-occupied loans. The middle half of borrowers got between 6% and 6.75%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.