Purchase Originations
207
Median Total Costs
$6,128
−8.3% vs national ($6,680)
↑ $345 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$3,310
Median Lender Credits
$21
Denial Rate
2.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 207 | 6.375% | $6,128 | $3,310 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Tennessee | 207 | 6.375% | $6,128 | #75 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,722 | 6.375% | — | 3 | −$1,406 | |
| 2 | $5,048 | 6.750% | — | 3 | −$1,080 | |
| 3 | $5,096 | 7.625% | — | 1 | −$1,032 | |
| 4 | $5,133 | 6.062% | — | 2 | −$995 | |
| 5 | $5,248 | 6.312% | — | 6 | −$880 | |
| 6 | $5,252 | 6.375% | — | 8 | −$876 | |
| 7 | $5,297 | 6.375% | — | 21 | −$831 | |
| 8 | $5,322 | 6.375% | — | 8 | −$806 | |
| 9 | $5,337 | 6.375% | — | 7 | −$791 | |
| 10 | $5,529 | 6.312% | — | 6 | −$599 | |
| 11 | $6,019 | 6.562% | — | 18 | −$109 | |
| 12 | $6,046 | 6.000% | — | 3 | −$82 | |
| 13 | $6,128 | 6.250% | — | 5 | +$0 | |
| 14 | $6,148 | 7.250% | — | 1 | +$20 | |
| 15 | $6,171 | 6.500% | — | 7 | +$43 | |
| 16 | $6,315 | 6.438% | — | 14 | +$187 | |
| 17 | $6,376 | 6.375% | — | 81 | +$248 | |
| 18 | $6,638 | 6.500% | — | 3 | +$510 | |
| 19 | $7,517 | 6.375% | — | 5 | +$1,389 | |
| 20 | $7,596 | 6.688% | — | 2 | +$1,468 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Knoxville Tva Employees Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $6,128 | $7,127 | −$999 (−14.0%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.